1157647--3/13/2009--WESTFIELD_FINANCIAL_INC

related topics
{condition, economic, financial}
{loan, real, estate}
{loss, insurance, financial}
{personnel, key, retain}
{regulation, government, change}
Our loan portfolio includes loans with a higher risk of loss. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease. Changes in interest rates could adversely affect our results of operations and financial condition. Changes in the national and local economy may affect our future growth possibilities. We depend on our executive officers and key personnel to continue the implementation of our long-term business strategy and could be harmed by the loss of their services. We operate in a highly regulated environment, and changes in laws and regulations to which we are subject may adversely affect our results of operations. Competition in our primary market area may reduce our ability to attract and retain deposits and originate loans. Recent legislative and regulatory initiatives to address these difficult market and economic conditions may not stabilize the U.S. banking system. FDIC deposit insurance premiums have increased and may increase further in the future.

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