1356628--3/30/2009--ViewPoint_Financial_Group

related topics
{condition, economic, financial}
{loan, real, estate}
{acquisition, growth, future}
{loss, insurance, financial}
{regulation, change, law}
If economic conditions deteriorate in our primary market, our results of operations and financial condition could be adversely impacted as borrowers ability to repay loans declines and the value of the collateral securing loans decreases. Negative developments in the financial industry and credit markets may adversely impact our financial condition and results of operations. Recent legislative and regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. banking system. Liquidity risk could impair our ability to fund operations and jeopardize our financial condition. We may elect or be compelled to seek additional capital in the future, but that capital may not be available when it is needed. Our loan portfolio possesses increased risk due to our increasing percentage of commercial real estate and commercial non-mortgage loans. Our consumer loan portfolio possesses increased risk. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease. Our securities portfolio may be negatively impacted by fluctuations in market value and interest rates, potentially having an adverse effect on our financial condition. Our strategies to modify our interest rate risk profile may be difficult to implement. Changes in laws, government regulation, and monetary policy may have a material effect on our results of operations.

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