726990--3/15/2007--AMERICANWEST_BANCORPORATION

related topics
{loan, real, estate}
{condition, economic, financial}
{loss, insurance, financial}
{system, service, information}
{personnel, key, retain}
{competitive, industry, competition}
{cost, regulation, environmental}
{regulation, change, law}
The Company s business is subject to interest rate risk, and variations in interest rates may harm financial performance. The Company faces strong competition from financial services companies and other companies that offer banking services, which could harm business. Changes in economic conditions, in particular an economic slowdown in the Company s market area, could harm business. A downturn in the real estate market could harm business. A substantial amount of the Bank s real property collateral is located in Central and Eastern Washington. The Company is dependent on key personnel and the loss of one or more of those key personnel may harm prospects. The Company is subject to extensive regulation which could harm business. The Company is exposed to risk of environmental liabilities with respect to properties to which it takes title. The allowance for credit losses may not be adequate to cover actual losses. If the Company is unable to consummate the pending merger transaction with Far West Bancorporation (FWB) or successfully integrate FWB s operations, its business and earnings may be negatively affected.

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