1324410--2/12/2010--Guaranty

related topics

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{debt, indebtedness, cash}

{competitive, industry, competition}

{acquisition, growth, future}

{capital, credit, financial}

{operation, natural, condition}

{system, service, information}

{provision, law, control}

{product, market, service}

{control, financial, internal}

{product, liability, claim}

{personnel, key, retain}

{regulation, change, law}

Our Business Has Been and May Continue to be Adversely Affected by Current Conditions in the Financial Markets And Economic Conditions Generally We are Subject to Credit Risk We Are Subject to Interest Rate Risk We are Subject to a Regulatory Written Agreement that Restricts Us from Taking Certain Actions The Level of our Commercial Real Estate Loan Portfolio Subjects us to Additional Regulatory Scrutiny Further Downturn in Our Real Estate Markets Could Hurt Our Business We May be Required to Make Further Increases in Our Provisions for Loan Losses and to Charge Off Additional Loans in the Future, Which Could Adversely Affect Our Results of Operations Our Small to Medium-sized Business Target Markets may have Fewer Financial Resources to Weather a Downturn in the Economy Liquidity Risk Could Impair Our Ability to Fund Operations and Jeopardize Our Financial Condition Concern of Customers Over Deposit Insurance May Cause a Decrease in Deposits Our Deposit Insurance Premiums have Increased and Could Increase Further in the Future, Which Could Have a Material Adverse Effect on our Future Earnings We May Elect or be Compelled to Seek Additional Capital in the Future, But Capital May not be Available When it is Needed The Value of Securities in Our Investment Securities Portfolio May be Negatively Affected by Continued Disruptions In Securities Markets The Soundness of Other Financial Institutions Could Adversely Affect Us We Are Subject to Extensive Government Regulation and Supervision There can be no Assurance That the Emergency Economic Stabilization Act of 2008 (the "EESA") and Other Government Programs Will Stabilize the U.S. Financial System Our Profitability Depends Significantly on Economic Conditions in the Colorado Front Range We Operate in a Highly Competitive Industry and Market Area We Rely on Dividends from Our Subsidiary for Most of Our Revenue We are Dependent on Key Personnel and the Loss of One or More of Those Key Personnel Could Harm Our Business Our Controls and Procedures May Fail or Be Circumvented We are Subject to Security and Operational Risks Relating to Our Use of Technology That Could Damage Our Reputation and Our Business We Continually Encounter Technological Change We Are Subject to Claims and Litigation Pertaining to Fiduciary Responsibility Concentrated Ownership of our Stock May Discourage a Change in Control and Have an Adverse Effect on the Share Price of our Common Stock We Face Risks Associated With Acquisitions or Mergers We are Exposed to Risk of Environmental Liabilities with Respect to Properties to Which We Take Title Severe Weather, Natural Disasters, Acts of War or Terrorism and Other External Events Could Significantly Impact Our Business

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1324410--2/12/2010--Guaranty_Bancorp