1319572--3/30/2006--United_Financial_Bancorp_Inc

related topics
{loan, real, estate}
{provision, law, control}
{loss, insurance, financial}
{stock, price, operating}
{competitive, industry, competition}
{tax, income, asset}
Future Changes in Interest Rates Could Reduce Our Profits Because We Intend to Increase Our Commercial Real Estate and Commercial and Industrial Loan Originations, Our Lending Risk Will Increase and Downturns in the Real Estate Market or Local Economy Could Adversely Affect Our Earnings. If Economic Conditions Deteriorate, Our Results of Operations and Financial Condition Could Be Adversely Affected as Borrowers Ability to Repay Loans Declines and the Value of the Collateral Securing Our Loans Decreases. Strong Competition Within Our Market Area May Limit Our Growth and Profitability. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease. The Implementation of Stock-Based Incentive Plans May Dilute Your Ownership Interest. Public Stockholders Own a Minority of United Financial Bancorp, Inc. s Common Stock and Are Not Able to Exercise Voting Control Over Most Matters Put to a Vote of Stockholders. Office of Thrift Supervision Policy on Remutualization Transactions Could Prohibit Acquisition of United Financial Bancorp, Inc., Which May Lower Our Stock Price.

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