1330039--12/14/2006--AMERICAN_BANCORP_OF_NEW_JERSEY_INC

related topics

{loan, real, estate}

{competitive, industry, competition}

{regulation, government, change}

{acquisition, growth, future}

{tax, income, asset}

Our strategic plan calls for us to diversify our loan portfolio with increased emphasis on commercial lending. Our strategic plan calls for us to expand our franchise through de novo branching. We expect that changes in interest rates may have a significant, adverse impact on our net interest income. Our business is geographically concentrated in New Jersey and the New York metropolitan area. A downturn in economic conditions in the state and/or the surrounding region could have an adverse impact on our profitability. Strong competition within our market area may limit our growth and profitability. We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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