1366367--3/31/2008--YADKIN_VALLEY_FINANCIAL

related topics

{loan, real, estate}

{capital, credit, financial}

{stock, price, share}

{personnel, key, retain}

{loss, insurance, financial}

{debt, indebtedness, cash}

{condition, economic, financial}

If the value of real estate in our core market areas were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us. Interest rate volatility could significantly harm our business. We may have higher loan losses than our allowance for loan losses. The building of market share through our de novo branching strategy could cause our expenses to increase faster than our revenues. If we lose key employees with significant business contacts in our market area, our business may suffer. Government regulations may prevent or impair our ability to pay dividends, engage in acquisitions, or operate in other ways. Our trading volume has been low compared with larger banks and bank holding companies and the sale of substantial amounts of our common stock in the public market could depress the price of our common stock.

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1366367--3/31/2008--YADKIN_VALLEY_FINANCIAL_CORP