1128361--3/15/2007--NARA_BANCORP

related topics

{condition, economic, financial}

{stock, price, share}

{loan, real, estate}

{cost, regulation, environmental}

{loss, insurance, financial}

{control, financial, internal}

{operation, natural, condition}

{personnel, key, retain}

{tax, income, asset}

{regulation, government, change}

{stock, price, operating}

{financial, litigation, operation}

{regulation, change, law}

We face risks related to recent regulatory actions. If we fail to maintain an effective system of internal and disclosure controls, we may not be able to accurately report our financial results or prevent fraud. Deterioration of economic conditions in California, New York or South Korea could adversely affect our loan portfolio and reduce the demand for our services. Our allowance for loan losses may not cover actual loan losses A downturn in the real estate market could seriously impair our loan portfolio Changes in interest rates affect our profitability If we lose key employees, our business may suffer Environmental laws could force us to pay for environmental problems We are exposed to the risks of natural disasters An increase in non-performing assets would reduce our income and increase our expenses Changes in governmental regulation may impair our operations or restrict our growth Our stock price may be volatile, which could result in substantial losses for our stockholders Future offerings of debt securities, which would be senior to our common stock upon liquidation, or equity securities, which would dilute our existing stockholders and may be senior to our common stock for the purposes of dividend distributions, may adversely affect the market price of our common stock

Full 10-K form ▸

1128361--3/15/2007--NARA_BANCORP_INC