928592--9/28/2009--PVF_CAPITAL_CORP

related topics
{regulation, government, change}
{loan, real, estate}
{competitive, industry, competition}
{provision, law, control}
{loss, insurance, financial}
{condition, economic, financial}
{tax, income, asset}
{regulation, change, law}
We have a relatively high percentage of non-performing loans and classified assets relative to our total assets. If our allowance for loan losses is not sufficient to cover our actual loan losses, our ability to become profitable will be adversely affected. Certain interest rate movements may hurt earnings and asset value. Proposed regulatory reform may have a material impact on our operations. Strong competition within the Bank s market area could hurt profits and slow growth. The Company and the Bank operate in a highly regulated environment and may be adversely affected by changes in laws and regulations. Our emphasis on construction and commercial real estate lending and land loans may expose us to increased lending risks. The Company s financial condition and results of operations are dependant on the economy in the Bank s market area. Provisions in the Company s Certificate of Incorporation and Bylaws and statutory provisions could discourage a hostile acquisition of control.

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