1483195--9/13/2010--Oritani_Financial_Corp

related topics
{loan, real, estate}
{loss, insurance, financial}
{tax, income, asset}
{condition, economic, financial}
{cost, operation, labor}
Our Continued Emphasis On Multi-Family, and Commercial Real Estate Lending Could Expose Us To Increased Lending Risks. If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Will Decrease. Current Market and Economics Conditions May Significantly Affect Our Operations and Financial Condition. Our Deposit Growth Has Been A Primary Funding Source. If Deposit Growth Slows, It May Be More Expensive For Us To Fund Loan Originations. Higher Federal Deposit Insurance Corporation insurance premiums have increased our expenses and any future insurance premium increases will adversely affect our earnings. If Our Investment in the Federal Home Loan Bank of New York is Classified as Other-Than-Temporarily Impaired or as Permanently Impaired, Our Earnings Could Decrease. Our Inability to Achieve Profitability on New Branches May Negatively Affect Our Earnings.

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