722256--3/14/2008--HUDSON_VALLEY_HOLDING_CORP

related topics

{loan, real, estate}

{loss, insurance, financial}

{cost, regulation, environmental}

{product, market, service}

{condition, economic, financial}

{stock, price, share}

Our income is sensitive to changes in interest rates. We may incur liabilities under federal and state environmental laws with respect to foreclosed properties. A downturn in the economy in our market area would adversely affect our loan portfolio and our growth potential. A downturn in the real estate market could negatively affect our business. Technological change may affect our ability to compete. Our profitability depends on our customers ability to repay their loans and our ability to make sound judgments concerning credit risk. Risks Related to Our Common Stock

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