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| related topics |
| {regulation, change, law} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {stock, price, share} |
| {product, market, service} |
| {capital, credit, financial} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {tax, income, asset} |
| {system, service, information} |
| {operation, natural, condition} |
|
|
Changes in interest rates and spreads could have a negative impact on earnings and results of operations, which could have a negative impact on the value of NewAlliance stock.
Credit market conditions may impact NewAlliance s investments.
Weakness in the markets for residential or commercial real estate, including the secondary residential mortgage loan markets, could reduce NewAlliance s net income and profitability.
NewAlliance may experience higher levels of loan losses due to current economic conditions.
If the goodwill that the Company has recorded in connection with its acquisitions becomes impaired, it could have a negative impact on the Company s profitability.
NewAlliance s business strategy of growth through acquisitions could have an impact on earnings and results of operations that may negatively impact the value of NewAlliance stock.
The impact on the Company and the Bank of enacted legislation, in particular the Emergency Economic Stabilization Act of 2008 and its implementing regulations cannot be predicted at this time.
Strong competition within NewAlliance s market areas may limit growth and profitability.
NewAlliance is subject to extensive government regulation and supervision
NewAlliance may not pay you dividends if NewAlliance is not able to receive dividends from its subsidiary, NewAlliance Bank.
NewAlliance s stock price can be volatile.
NewAlliance may not be able to attract and retain skilled people.
NewAlliance continually encounters technological change.
NewAlliance s controls and procedures may fail or be circumvented.
Customer information may be obtained and used fraudulently.
Changes in accounting standards can materially impact NewAlliance s financial statements.
Changes and interpretations of tax laws and regulations may adversely impact NewAlliance s financial statements.
Unpredictable catastrophic events could have a material adverse effect on NewAlliance Bank.
Unprecedented disruption and significantly increased risk in the financial markets.
Full 10-K form ▸
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