1326807--8/22/2008--Investors_Bancorp

related topics

{loan, real, estate}

{stock, price, share}

{loss, insurance, financial}

{competitive, industry, competition}

{cost, operation, labor}

The Financial Sector Is Experiencing An Economic Downturn. A Deterioration of Our Current Non-performing Loans or An Increase In The Number of Non-performing Loans Will Have An Adverse Effect On Our Operations. Further Decline In Value In Certain Investment Securities Held By The Company Could Require Write-Downs, Which Would Reduce Our Earnings. Our FDIC Premium Could Be Substantially Higher In The Future Which Would Have An Adverse Effect On Our Future Earnings. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease. There Is No Assurance That Our Strategy to Change the Mix of Our Assets and Liabilities Will Succeed. Our Inability to Achieve Profitability on New Branches May Negatively Affect Our Earnings. Our Return on Equity Has Been Low Compared to Other Financial Institutions. This Could Negatively Affect the Price of Our Common Stock. Strong Competition Within Our Market Area May Limit Our Growth and Profitability. If We Declare Dividends on Our Common Stock, Investors Bancorp, MHC Will be Prohibited From Waiving the Receipt of Dividends by Current Federal Reserve Board Policy, Which May Result in Lower Dividends for All Other Stockholders.

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1326807--8/22/2008--Investors_Bancorp_Inc