1284506--3/17/2009--INTERMOUNTAIN_COMMUNITY

related topics

{loan, real, estate}

{loss, insurance, financial}

{acquisition, growth, future}

{tax, income, asset}

{regulation, change, law}

{personnel, key, retain}

{regulation, government, change}

{stock, price, share}

{capital, credit, financial}

{condition, economic, financial}

The allowance for loan losses may be inadequate. Additional market concern over investment securities backed by mortgage loans could create losses in the Company s investment portfolio We cannot predict the effect of the recently enacted federal rescue plans. Changes in market interest rates could adversely affect our earnings. We may experience future goodwill impairment. We may not be able to successfully implement our internal growth strategy. There are risks associated with potential acquisitions. We may not be able to replace key members of management or attract and retain qualified relationship managers in the future. We are expanding our lending activities in riskier areas. Our stock price can be volatile; we cannot predict how the national economic situation will affect our stock price. Current volatility in the subprime and prime mortgage markets could have additional negative impacts on the Company s lending operations. A continued tightening of the credit markets may make it difficult to obtain adequate funding for loan growth, which could adversely affect our earnings. We operate in a highly regulated environment and may be adversely affected by changes in federal state and local laws and regulations. The FDIC has increased insurance premiums to rebuild and maintain the federal deposit insurance fund and we may separately incur state statutory assessments in the future.

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1284506--3/17/2009--INTERMOUNTAIN_COMMUNITY_BANCORP