910322--3/1/2007--ASTORIA_FINANCIAL_CORP

related topics
{competitive, industry, competition}
{tax, income, asset}
{loan, real, estate}
{condition, economic, financial}
{debt, indebtedness, cash}
{regulation, change, law}
Changes in interest rates may reduce our net income. Changes in interest rates may reduce our stockholders equity. Our results of operations are affected by economic conditions in the New York metropolitan area and other areas. Strong competition within our market areas could hurt our profits and slow growth. Our continued emphasis on multi-family and commercial real estate lending may expose us to increased lending risks. Astoria Federal s ability to pay dividends or lend funds to us is subject to regulatory limitations which, to the extent we need but are not able to access such funds, may prevent us from making future dividend payments or principal and interest payments due on our debt obligations. We operate in a highly regulated industry, which limits the manner and scope of our business activities. Changes in laws, government regulation and monetary policy may have a material effect on our results of operations.

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