1311131--3/17/2008--Rockville_Financial

related topics

{provision, law, control}

{loan, real, estate}

{stock, price, share}

{loss, insurance, financial}

{stock, price, operating}

{competitive, industry, competition}

{cost, operation, labor}

We Are Subject to Lending Risk and Could Incur Losses In Our Loan Portfolio Despite Our Underwriting Practices. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease. Our Stock Value May be Negatively Affected by Federal Regulations Restricting Takeovers and our Mutual Holding Company Structure. Federal and Connecticut Regulations Restricting Takeovers: The Mutual Holding Company Structure May Impede Takeovers: Persons Who Purchase Our Stock Will Own a Minority of Rockville Financial, Inc. s Common Stock and Will Not Be Able to Exercise Voting Control Over Most Matters Put to a Vote of Stockholders. When We Declare Dividends on Our Common Stock, Rockville Financial MHC, Inc. Will be Prohibited From Waiving the Receipt of Dividends by Current Federal Reserve Board Policy. We Have Opened New Branches and Expect to Open Additional New Branches Which May Incur Losses During Their Initial Years of Operation as They Generate New Deposit and Loan Portfolios. Further Implementation of Our Stock Benefit Plans Will Increase Our Costs, Which Will Reduce Our Income. Strong Competition Within Our Market Area May Limit Our Growth and Profitability. Because We Intend to Continue to Increase Our Commercial Real Estate and Commercial Business Loan Originations, Our Lending Risk Will Increase, and Downturns in the Real Estate Market or Local Economy Could Adversely Affect Our Earnings. The Trading Volume in our Stock Is Less Than in Larger Publicly Traded Companies Which Can Cause Price Volatility, Hinder Your Ability to Sell Our Common Stock and May Lower the Market Price of the Stock.

Full 10-K form ▸

1311131--3/17/2008--Rockville_Financial_Inc.