1381668--11/24/2010--TFS_Financial_CORP

related topics
{regulation, change, law}
{condition, economic, financial}
{competitive, industry, competition}
{loss, insurance, financial}
{loan, real, estate}
{operation, natural, condition}
{investment, property, distribution}
{tax, income, asset}
Future Changes in Interest Rates Could Reduce Our Net Income. The Association has entered into a memorandum of understanding with the OTS that will entail compliance costs. Failure to comply with the memorandum of understanding could result in formal enforcement action or additional regulatory constraints on the Association. Negative Developments in the Financial Industry and the Domestic and International Credit Markets May Adversely Affect Our Operations and Results. Difficult Market Conditions Have Already Affected Us and Our Industry and May Continue to Do So. Financial reform legislation recently enacted by Congress will, among other things, eliminate the Office of Thrift Supervision, tighten capital standards, create a new Consumer Financial Protection Bureau and result in new laws and regulations that are expected to increase our costs of operations. Recently enacted financial reform legislation may have an adverse effect on our ability to pay dividends, which would adversely affect the value of our common stock. Changes in laws and regulations and the cost of compliance with new laws and regulations may adversely affect our operations and our income. Loans Originated Through Our Home Today Program Have Higher Delinquency Rates than the Remainder of Our Loan Portfolio. Any Future Increases in FDIC Insurance Premiums or FDIC Special Assessments Will Adversely Impact Our Earnings. Hurricanes or Other Adverse Weather Events Could Negatively Affect the Economy in Our Florida Market Area or Cause Disruptions to Our Branch Office Locations, Which Could Have an Adverse Effect on Our Business or Results of Operations. Strong Competition Within Our Market Areas May Limit Our Growth and Profitability.

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