201461--3/1/2010--CITY_NATIONAL

related topics

{condition, economic, financial}

{tax, income, asset}

{loss, insurance, financial}

{competitive, industry, competition}

{regulation, change, law}

{control, financial, internal}

{loan, real, estate}

{financial, litigation, operation}

{cost, contract, operation}

Factors That May Affect Future Results General business and economic conditions may significantly affect our earnings. Current levels of market volatility are unprecedented. Significant changes in banking laws or regulations and federal monetary policy could materially affect our business. Increases in FDIC insurance assessments may have a material adverse effect on our earnings. Changes in interest rates affect our profitability. Our results may be adversely affected if we continue to suffer higher than expected losses on our loans due to a slow economy, real estate cycles or other economic events which could require us to increase our allowance for loan and lease losses. A portion of the income generated by our wealth management division and asset management affiliates is subject to market valuation risks. We may experience further write downs of our financial instruments and other losses related to volatile and illiquid market conditions. Bank clients could move their money to alternative investments causing us to lose a lower cost source of funding. Increased competition from financial service companies and other companies that offer banking and wealth management services could negatively impact our business. Our controls and procedures could fail or be circumvented. Changes in accounting standards or tax legislation. Impairment of goodwill or amortizable intangible assets associated with acquisitions would result in a charge to earnings. Negative public opinion could damage our reputation and adversely affect our earnings. The soundness of other financial institutions could adversely affect us.

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201461--3/1/2010--CITY_NATIONAL_CORP