722256--3/16/2010--HUDSON_VALLEY_HOLDING

related topics

{stock, price, share}

{loan, real, estate}

{condition, economic, financial}

{loss, insurance, financial}

{tax, income, asset}

{regulation, change, law}

{cost, regulation, environmental}

{competitive, industry, competition}

{provision, law, control}

{regulation, government, change}

{product, market, service}

{financial, litigation, operation}

{acquisition, growth, future}

{stock, price, operating}

{cost, operation, labor}

Further increases to the allowance for loan losses may cause our earnings to decrease. Our concentration of commercial real estate loans has resulted in increased loan losses and could result in further increases in future periods. Declines in value may adversely impact the carrying amount of our investment portfolio and result in other-than-temporary impairment charges. A prolonged or worsened downturn in the economy in general and the real estate market in our key market areas in particular would adversely affect our loan portfolio and our growth potential. Difficult market conditions have adversely affected our industry. Higher FDIC deposit insurance premiums and assessments could adversely affect our financial condition. A substantial decline in the value of our Federal Home Loan Bank of New York common stock may adversely affect our financial condition. Certain of our goodwill and intangible assets may become impaired in the future. The opening of new branches could reduce our profitability. Our income is sensitive to changes in interest rates. We may need to raise additional capital in the future and such capital may not be available when needed or at all. Our markets are intensely competitive, and our principal competitors are larger than us. Impact of inflation and changing prices Market reform efforts may result in our businesses becoming subject to extensive and pervasive additional regulations. We may incur liabilities under federal and state environmental laws with respect to foreclosed properties. Technological change may affect our ability to compete. Changes in Accounting Policies or Accounting Standards. We Are Subject to Environmental Liability Risk Associated With Lending Activities. Actions in connection with stockholder preemptive rights may subject us to litigation and related costs. Risks Relating to Our Common Stock Market conditions and other factors may affect the value of our common stock. There may be future dilution of our common stock. Future offerings of debt, which would be senior to our common stock upon liquidation, or preferred equity securities that may be senior to our common stock for purposes of dividend distributions or upon liquidation, may adversely affect the market price of our common stock. We may further reduce or eliminate the cash dividend on our common stock. Government regulation restricts our ability to pay cash dividends. Our common stock price may fluctuate due to the potential sale of stock by our existing stockholders. Our earnings may be subject to increased volatility. Our certificate of incorporation, the New York Business Corporation Law and federal banking laws and regulations may prevent a takeover of our company.

Full 10-K form ▸

722256--3/16/2010--HUDSON_VALLEY_HOLDING_CORP