700863--3/1/2010--SUSQUEHANNA_BANCSHARES

related topics

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{competitive, industry, competition}

{acquisition, growth, future}

{personnel, key, retain}

{cost, contract, operation}

{product, market, service}

{product, liability, claim}

{stock, price, share}

{provision, law, control}

{regulation, government, change}

{regulation, change, law}

Recent Market, Legislative and Regulatory Events Difficult conditions in the capital markets and the economy generally may materially adversely affect our business and results of operations, and we do not expect these conditions to improve in the near future. There can be no assurance that actions of the U.S. government, Federal Reserve and other governmental and regulatory bodies for the purpose of stabilizing the financial markets will achieve the intended effect. The soundness of other financial institutions could adversely affect us. We may be required to pay significantly higher Federal Deposit Insurance Corporation (FDIC) premiums in the future. Recent legislative and regulatory initiatives to support the financial services industry have been coupled with numerous restrictions and requirements that could detrimentally affect the Company s business and require us to raise additional capital. Recent negative developments in the financial industry and the credit markets may subject us to additional regulation. Our regulators or business plans may cause us to raise additional capital, but that capital may be expensive or may not be available when it is needed. Geographic concentration in one market may unfavorably impact our operations. A prolonged recession, especially one affecting our geographic market areas, could reduce our customer base, our level of deposits and demand for financial products, such as loans. We may not be able to continue to grow our business, which may adversely impact our results of operations. Our issuance of securities to the U.S. Treasury may limit our ability to return capital to our shareholders and is dilutive to the holders of our common stock. Loss of certain key officers would adversely affect our business. Our exposure to credit risk, because we focus on commercial lending, could adversely affect our earnings and financial condition. If our allowance for loan and lease losses is not sufficient to cover actual loan and lease losses, our earnings would decrease. Changes in interest rates may adversely affect our earnings and financial condition. Adverse business conditions in our vehicle leasing subsidiary could adversely affect our financial performance. Competition from other financial institutions in originating loans, attracting deposits and providing various financial services may adversely affect our profitability. We continually encounter technological change, and we may have fewer resources than many of our competitors to continue to invest in technological improvements, which could reduce our ability to effectively compete. Government regulation significantly affects our business. The Pennsylvania business corporation law and various anti-takeover provisions under our articles of incorporation could impede the takeover of the company.

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700863--3/1/2010--SUSQUEHANNA_BANCSHARES_INC