1356628--3/30/2007--ViewPoint_Financial_Group

related topics
{loan, real, estate}
{regulation, government, change}
{condition, economic, financial}
{loss, insurance, financial}
{control, financial, internal}
{personnel, key, retain}
{competitive, industry, competition}
Electronic fraud may affect our earnings. Our loan portfolio possesses increased risk due to our number of consumer loans. Our loan portfolio possesses increased risk due to our increasing percentage of commercial real estate and commercial business loans. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease. Rising interest rates may hurt our profits. We operate in a highly regulated environment and we may be adversely affected by negative examination results and changes in laws and regulations. The loss of key employees could negatively affect us from a production standpoint. We had material weaknesses in our internal control over financial reporting during the period when we were a credit union, which could affect our ability to provide accurate financial statements. Strong competition within our market area may limit our growth and profitability. Our business is geographically concentrated in Texas and a downturn in conditions in the state could reduce our profits.

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