1248124--3/25/2008--CHEVIOT_FINANCIAL_CORP

related topics

{loss, insurance, financial}

{loan, real, estate}

{stock, price, operating}

{competitive, industry, competition}

{regulation, government, change}

{condition, economic, financial}

Changing Interest Rates May Cause Net Earnings to Decline. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease. If Economic Conditions Deteriorate, Our Earnings Could be Adversely Impacted as Borrowers Ability to Repay Loans Declines and the Value of the Collateral Securing Our Loans Decreases. Our Public Shareholders Do Not Exercise Voting Control Over Cheviot Financial Corp. Strong Competition Within Our Market Area May Limit Our Growth and Profitability. We Operate in a Highly Regulated Environment and May be Adversely Affected by Changes in Laws and Regulations.

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