1163370--3/15/2010--NORTHRIM_BANCORP_INC

related topics
{loan, real, estate}
{loss, insurance, financial}
{condition, economic, financial}
{regulation, change, law}
{product, candidate, development}
{acquisition, growth, future}
We may be Adversely Impacted by the Unprecedented Volatility in the Financial Markets. Further Declines in the Residential Housing Market would have a Negative Impact on Our Residential Housing Market Income. Our Loan Loss Allowance may not be Adequate to Cover Future Loan Losses, which may Adversely affect Our Earnings. We have a Significant Concentration in Real Estate Lending. The Sustained Downturn in Real Estate Within Our Markets has had and is Expected to Continue to have a Negative Impact on Our Results of Operations. Real Estate Values may Continue to Decrease Leading to Additional and Greater than Anticipated Loan Charge-Offs and Valuation Write Downs on Our other Real Estate Owned ( OREO ) Properties. Our Deposit Insurance Premium could be Substantially Higher in the Future, which could have a Material Adverse Effect on Our Future Earnings. Changes in Market Interest Rates could Adversely Impact the Company. Our Financial Performance Depends on our Ability to Manage Recent and Possible Future Growth. Our Concentration of Operations in the Anchorage, Matanuska Valley, and Fairbanks, Areas of Alaska Makes US More Sensitive to Downturns in Those Areas. We are Subject to Extensive Regulation, which Undergoes Frequent and Often Significant Changes.

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