1108236--3/6/2008--AMERICAN_RIVER

related topics

{capital, credit, financial}

{system, service, information}

{regulation, change, law}

{loan, real, estate}

{loss, insurance, financial}

{condition, economic, financial}

American River Bankshares business is subject to interest rate risk, and variations in interest rates may negatively affect its financial performance. Governmental monetary policies affect American River Bankshares business and are beyond the control of the Company. American River Bankshares subsidiary, American River Bank, faces strong competition from banks, financial service companies and other companies that offer banking services, which can hurt American River Bankshares business. Worsening economic conditions in Northern California could adversely affect American River Bankshares business. American River Bankshares has a concentration risk in real estate related loans. American River Bankshares is subject to extensive regulation, which could adversely affect its business. American River Bank s allowance for loan and lease losses may not be adequate to cover actual losses. American River Bankshares and American River Bank s operations are dependent upon key personnel. Technology implementation problems or computer system failures could adversely affect American River Bankshares and American River Bank. Information security breach or other technology difficulties could adversely affect American River Bankshares and American River Bank.

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1108236--3/6/2008--AMERICAN_RIVER_BANKSHARES