1326807--8/29/2007--Investors_Bancorp

related topics

{loan, real, estate}

{stock, price, share}

{loss, insurance, financial}

{competitive, industry, competition}

{cost, operation, labor}

{provision, law, control}

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. Because We Intend to Continue to Increase Our Commercial Real Estate Originations, Our Lending Risk Will Increase. A Downturn in the New Jersey Economy or a Decline in Real Estate Values Could Reduce Our Profits. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease. 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. Investors Bancorp MHC Exercises Voting Control Over Investors Bancorp; Public Stockholders Own a Minority Interest

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1326807--8/29/2007--Investors_Bancorp_Inc