742054--3/12/2009--CADENCE_FINANCIAL_CORP

related topics
{condition, economic, financial}
{acquisition, growth, future}
{loan, real, estate}
{competitive, industry, competition}
{loss, insurance, financial}
{financial, litigation, operation}
{regulation, government, change}
{stock, price, share}
The current economic environment poses significant challenges for us and could adversely affect our financial condition and results of operations. The real estate market has experienced dramatic declines which may adversely affect our financial situation due to our concentration of credit exposure in commercial real estate. Competition in the banking industry is intense and may adversely affect our profitability. Changes in local economic conditions where we operate could have a negative effect on us. Our allowance for loan losses may not be adequate to cover actual losses. We could suffer loan losses from a decline in credit quality and support. The banking industry is heavily regulated and such regulation could limit or restrict our activities and adversely affect our earnings. The financial services industry faces substantial litigation and legal liability risks. The financial services industry faces increased regulatory risks in this economic environment. Changes in monetary policy and interest rates could adversely affect our profitability. Liquidity needs could adversely affect our results of operations and financial condition. We may face risks with respect to future de novo branch expansion and acquisitions or mergers. Expanding or combining with acquired companies may be more difficult, costly, or time-consuming than we expect. Our ability to pay dividends is strictly limited under TARP and we may be unable to pay future dividends.

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