835324--3/12/2010--S_Y_BANCORP

related topics

{condition, economic, financial}

{loss, insurance, financial}

{regulation, change, law}

{regulation, government, change}

{competitive, industry, competition}

{system, service, information}

Investments in Bancorp s common stock or trust preferred securities involve risk, and Bancorp s profitability and success may be affected by a number of factors including those discussed below. Our financial condition and profitability depend significantly on local and national economic conditions. Significant stock market volatility could negatively affect our financial results. If our actual loan losses are greater than our allowance assumption for loan losses, our earnings could decrease. Fluctuations in interest rates could reduce our profitability. Competition with other financial institutions could adversely affect our profitability. Our accounting policies and methods are critical to how we report our financial condition and results of operations. They require management to make estimates about matters that are uncertain. An extended disruption of vital infrastructure or a security breach could negatively impact our business, results of operations, and financial condition. We operate in a highly regulated environment and may be adversely affected by changes in federal, state and local laws and regulations.

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835324--3/12/2010--S_Y_BANCORP_INC