842518--3/5/2010--EVANS_BANCORP_INC

related topics
{loan, real, estate}
{personnel, key, retain}
{competitive, industry, competition}
{financial, litigation, operation}
{regulation, government, change}
{loss, insurance, financial}
{condition, economic, financial}
{system, service, information}
{acquisition, growth, future}
Commercial Real Estate and Commercial Business Loans Expose the Company to Increased Credit Risks. Continuing Concentration of Loans in the Company s Primary Market Area May Increase the Company s Risk. In the Event the Company s Allowance for Loan and Lease Losses is Not Sufficient to Cover Actual Loan and Lease Losses, the Company s Earnings Could Decrease. Changes in Interest Rates Could Adversely Affect the Company s Business, Results of Operations and Financial Condition. The Company May Be Adversely Affected by the Soundness of Other Financial Institutions Strong Competition Within the Company s Market Area May Limit its Growth and Profitability. Expansion of the Company s Branch Network May Adversely Affect its Financial Results. The Company Operates in a Highly Regulated Environment and May Be Adversely Affected By Changes in Laws and Regulations. Lack of System Integrity or Credit Quality Related to Funds Settlement could Result in a Financial Loss. Financial Services Companies Depend on the Accuracy and Completeness of Information about Customers and Counterparties. The Company May Not be Able to Attract and Retain Skilled Personnel. Loss of Key Employees May Disrupt Relationships with Certain Customers.

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