1354772--3/30/2007--NORTHEAST_COMMUNITY_BANCORP_INC

related topics
{loan, real, estate}
{provision, law, control}
{personnel, key, retain}
{competitive, industry, competition}
{regulation, government, change}
{acquisition, growth, future}
{tax, income, asset}
Rising interest rates may hurt our earnings and asset value. Our emphasis on multi-family residential, mixed-use and non-residential real estate lending and our plans to expand into commercial lending could expose us to increased lending risks. Our recent expansion of our lending territory could expose us to increased lending risks. We may not be able to successfully implement our plans for growth. If we do not achieve profitability on new branches and loan production offices, the new branches and loan production offices may hurt our earnings. We are expanding our branch and lending network into geographic markets in which we have limited experience. Strong competition within our primary market area and our lending territory could hurt our profits and slow growth. Changes in economic conditions could cause an increase in delinquencies and non-performing assets, including loan charge-offs, which could hurt our income and growth. The loss of our President and Chief Executive Officer could hurt our operations. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. Northeast Community Bancorp, MHC s majority control of our common stock will enable it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may like. The Office of Thrift Supervision policy on remutualization transactions could prohibit acquisition of Northeast Community Bancorp, which may adversely affect our stock price.

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