1492915--12/23/2010--Standard_Financial

related topics

{tax, income, asset}

{condition, economic, financial}

{regulation, change, law}

{loan, real, estate}

{loss, insurance, financial}

If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings will decrease. Future changes in interest rates could reduce our profits. Concentration of loans in our primary market area, which has experienced an economic downturn, may increase the risk of increased nonperforming assets. Continued and sustained deterioration in the housing sector and related markets and prolonged elevated unemployment levels may adversely affect our business and financial results. If our investment in the common stock of the Federal Home Loan Bank of Pittsburgh is classified as other-than-temporarily impaired or as permanently impaired, our earnings and stockholders equity could decrease. Continued or further declines in the value of certain investment securities could require write-downs, which would reduce our earnings. The requirement to account for certain assets at estimated fair value, and a proposal to account for additional financial assets and liabilities at estimated fair value, may adversely affect our stockholders equity and results of operations. Government responses to economic conditions may adversely affect our operations, financial condition and earnings. Recently enacted financial reform legislation will, among other things, create a new Consumer Financial Protection Bureau, tighten capital standards and result in new laws and regulations that are expected to increase our costs of operations. We are subject to extensive regulatory oversight.

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1492915--12/23/2010--Standard_Financial_Corp.