1387632--3/21/2008--Manhattan_Bancorp

related topics
{competitive, industry, competition}
{control, financial, internal}
{loan, real, estate}
{product, market, service}
{system, service, information}
{personnel, key, retain}
{condition, economic, financial}
{debt, indebtedness, cash}
WE DO NOT HAVE A HISTORY OF PROFITABILITY. WE MAY SUFFER LOSSES IN OUR LOAN PORTFOLIO DESPITE ADHERENCE TO PRUDENT UNDERWRITING PRACTICES. WE COULD BE AT A DISADVANTAGE WHEN COMPETING FOR DEPOSITS AND LOANS WITH LARGER INSTITUTIONS THAT HAVE LARGER LENDING LIMITS AND ESTABLISHED CUSTOMER CONTACTS. WE ARE DEPENDENT ON KEY PERSONNEL AND THE LOSS OF ONE OR MORE OF THOSE KEY PERSONNEL MAY MATERIALLY AND ADVERSELY AFFECT OUR PROSPECTS. WE FACE LIMITS ON OUR ABILITY TO LEND. POOR ECONOMIC CONDITIONS IN SOUTHERN CALIFORNIA, PARTICULARLY IN THE REAL ESTATE MARKET, MAY CAUSE US TO SUFFER HIGHER DEFAULT RATES ON OUR LOANS AND DECREASED VALUE OF THE ASSETS WE WILL HOLD AS COLLATERAL. INTEREST RATE FLUCTUATIONS AND OTHER CONDITIONS WHICH ARE OUT OF OUR CONTROL COULD HARM PROFITABILITY. OUR BUSINESS MAY BE ADVERSELY AFFECTED BY THE HIGHLY REGULATED ENVIRONMENT IN WHICH WE OPERATE. WE RELY ON COMMUNICATIONS, INFORMATION, OPERATING AND FINANCIAL CONTROL SYSTEMS TECHNOLOGY FROM THIRD-PARTY SERVICE PROVIDERS. WE WILL BE REQUIRED TO COMPLY WITH THE SARBANES-OXLEY ACT ("S0X") OF 2002-SECTION 404.

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