927807--3/2/2010--INTERVEST_BANCSHARES

related topics

{loan, real, estate}

{regulation, change, law}

{condition, economic, financial}

{control, financial, internal}

{debt, indebtedness, cash}

{loss, insurance, financial}

{tax, income, asset}

{personnel, key, retain}

{regulation, government, change}

{competitive, industry, competition}

{stock, price, share}

{system, service, information}

{financial, litigation, operation}

{acquisition, growth, future}

Risks Related to Our Business Additional increases in our level of nonperforming assets could have an adverse effect on our financial condition and operating results. We may have higher loan and real estate losses than we have allowed for which could adversely affect our financial condition and operating results. We are subject to the risks and costs associated with the ownership of real estate, which could adversely affect our operating results and financial condition. Weak economic conditions in our New York and Florida markets could continue to negatively impact our asset quality, financial condition and operating results. Our loan portfolio is concentrated in commercial and multifamily real estate mortgage loans, which increases the risk associated with our loan portfolio. The properties securing our loans are concentrated in New York and Florida, which increases the risk associated with our loan portfolio. We may be required to recognize additional impairment charges on our investment in trust preferred securities, which would adversely affect our operating results and financial condition. Our business strategy may not be successful. We depend on a small number of executive officers and other key employees to implement our business strategy and our business may suffer if we lose their services. We face strong competition in our market areas. We depend on brokers for our loan originations and any reduction in referrals could limit our ability to grow or maintain the size of our loan portfolio. Liquidity risks could negatively affect our operations and business. Volatility in the capital and credit markets may negatively impact our business Changes in interest rates could adversely impact our earnings and we must continually identify and invest in mortgage loans or other instruments with rates of return above our cost of funds. Our level of indebtedness may adversely affect our financial condition and our business. Reputational risk and social factors may negatively impact us. We operate in a highly regulated industry and government regulations significantly affect our business. Our current operations and activities are subject to heightened regulatory oversight which increases our operating expenses and may negatively impact our business. FDIC deposit insurance premiums have increased substantially and may increase further, which will adversely affect our results of operations We rely on the dividends we receive from our subsidiaries. Accounting, Systems and Internal Control Risks Changes in accounting standards may affect our performance. The accuracy of our judgments and estimates about financial and accounting matters will impact operating results and financial condition. Failure to maintain an effective system of internal control over financial reporting may not allow us to be able to accurately report our financial condition, operating results or prevent fraud. A breach of information security could negatively affect our business. We are subject to various restrictions as a result of our participation in the U.S Treasury s Capital Purchase Program.

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927807--3/2/2010--INTERVEST_BANCSHARES_CORP