1355823--3/9/2009--ROMA_FINANCIAL

related topics

{condition, economic, financial}

{loan, real, estate}

{tax, income, asset}

{acquisition, growth, future}

{loss, insurance, financial}

{competitive, industry, competition}

{regulation, government, change}

Difficult market conditions and economic trends have adversely affected our industry and our business. Recent legislative and regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. economy or the U.S. banking system. Current levels of market volatility are unprecedented. We realize income primarily from the difference between interest earned on loans and investments and interest paid on deposits and borrowings, and changes in interest rates may adversely affect our net interest rate spread and net interest margin, which will hurt our earnings. If we experience loan losses in excess of our allowance, our earnings will be adversely affected. A portion of our total loan portfolio consists of commercial real estate loans, commercial business loans and construction loans, and we intend to grow this part of the loan portfolio. The repayment risk related to these types of loans is considered to be greater than the risk related to one- to four-family residential loans. Strong competition within our market area may limit our growth and profitability. Our business is geographically concentrated in New Jersey, and a downturn in conditions in the state could have an adverse impact on our profitability. We intend to actively consider opportunities for de novo branching. Costs related to expansion plans may negatively impact earnings in future periods. We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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1355823--3/9/2009--ROMA_FINANCIAL_CORP