1391137--12/29/2008--BCSB_Bancorp_Inc.

related topics
{loan, real, estate}
{tax, income, asset}
{condition, economic, financial}
{loss, insurance, financial}
{product, market, service}
{capital, credit, financial}
{regulation, government, change}
The Bank s increased emphasis on commercial real estate and commercial lending may expose it to increased lending risks. Our portfolio of residential mortgage loans exposes us to a risk of loss due to a decline in property values. Higher loan losses could require us to increase our allowance for loan losses through a charge to earnings. Changes in interest rates could reduce the Bank s net interest income and earnings. An economic recession or even a modest slowdown could reduce demand for our products and services and lead to lower revenue and lower earnings. If we conclude that the decline in value of any of our investment securities is other than temporary, we are required to write down the value of those securities through a charge to earnings. The Bank does not expect to recover all of its losses from a check-kiting scheme perpetrated against it in 2006, and its recovery efforts are expected to take a long period of time and may result in further expenses or litigation. Strong competition within Baltimore County Savings Bank s market area could adversely affect profits and slow growth. The Bank and Company operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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