93451--2/25/2010--STERLING

related topics

{stock, price, share}

{condition, economic, financial}

{regulation, change, law}

{acquisition, growth, future}

{loan, real, estate}

{financial, litigation, operation}

{loss, insurance, financial}

{competitive, industry, competition}

{debt, indebtedness, cash}

{system, service, information}

{product, market, service}

{product, liability, claim}

{tax, income, asset}

{personnel, key, retain}

{capital, credit, financial}

{operation, natural, condition}

{provision, law, control}

{control, financial, internal}

RISKS RELATED TO THE COMPANY S BUSINESS The Company s Business May Be Adversely Affected by Conditions in the Financial Markets and Economic Conditions Generally Improvements in Economic Indicators Disproportionately Affecting the Financial Services Industry May Lag Improvements in the General Economy The Company Is Subject to Interest Rate Risk The Company Is Subject to Lending Risk The Company s Allowance for Loan Losses May Be Insufficient The Company May Not Be Able to Meet the Cash Flow Requirements of Its Depositors and Borrowers or Meet Its Operating Cash Needs to Fund Corporate Expansion and Other Activities The Parent Company Relies on Dividends from Its Subsidiaries The Company May Need to Raise Additional Capital in the Future and Such Capital May Not Be Available When Needed or at All The Parent Company s Agreements with the U.S. Treasury Impose Restrictions and Obligations on Us that Limits Our ability to Increase Dividends, Repurchase the Parent Company s Common Stock or Preferred Shares and Access the Equity Capital Markets Negative Perceptions Associated with the Company s Continued Participation in the U.S. Treasury s Capital Purchase Program May Adversely Affect Its Ability to Retain Customers, Attract Investors and Compete for New Business Opportunities The Company Is Subject to a Variety of Operational Risks, Including Reputational Risk, Legal and Compliance Risk, the Risk of Fraud or Theft by Employees or Outsiders The Company Relies on Other Companies to Provide Key Components of Its Business Infrastructure. The Company Is Subject to Environmental Liability Risk Associated with Lending Activities The Company s Profitability Depends Significantly on Local and Overall Economic Conditions The Company May Be Adversely Affected by the Soundness of Other Financial Institutions Severe Weather, Natural Disasters or Other Acts of God, Acts of War or Terrorism and Other External Events Could Significantly Impact the Company s Business The Company Operates in a Highly Competitive Industry and Market Area The Company Is Subject to Extensive Government Regulation and Supervision Increases in FDIC Insurance Premiums May Adversely Affect the Company s Earnings Legislative and Regulatory Actions Taken Now or in the Future May Have a Significant Adverse Effect on the Company s Operations The Company s Controls and Procedures May Fail or Be Circumvented The Company May Be Subject to a Higher Effective Tax Rate if Sterling Real Estate Holding Company, Inc. Fails to Qualify as a Real Estate Investment Trust ( REIT ) The Company Would Be Subject to a Higher Effective Tax Rate if Sterling Real Estate Holding Company, Inc. Is Required to Be Included in a NYS Combined Return Possible New York State Legislative Changes May Negatively Affect the Amount of Taxes We Pay in Future Years New Lines of Business or New Products and Services May Subject the Company to Additional Risks Potential Acquisitions May Disrupt the Company s Business and Dilute Shareholder Value The Company May Not Be Able to Attract and Retain Skilled People The Company s Information Systems May Experience an Interruption or Breach in Security The Company Continually Encounters Technological Change The Company Is Subject to Claims and Litigation Pertaining to Fiduciary Responsibility and Lender Liability The Company s Reported Financial Results Depend on Management s Selection of Accounting Methods and Certain Assumptions and Estimates Changes in the Company s Accounting Policies or in Accounting Standards Could Materially Affect How the Company Reports Its Financial Results and Condition RISKS ASSOCIATED WITH THE PARENT COMPANY S COMMON STOCK The Parent Company s Stock Price Can Be Volatile The Trading Volume in the Parent Company s Common Stock Is Less Than That of Other Larger Financial Services Companies An Investment in the Parent Company s Common Stock Is Not an Insured Deposit The Parent Company s Certificate of Incorporation and By-Laws as Well as Certain Banking Laws May Have an Anti-Takeover Effect The Parent Company May Not Pay Dividends on Its Common Stock Future Issuances of Additional Equity Securities Could Result in Dilution of Ownership of the Parent Company s Existing Stockholders RISKS ASSOCIATED WITH THE COMPANY S INDUSTRY The Earnings of Financial Services Companies Are Significantly Affected by General Business and Economic Conditions Financial Services Companies Depend on the Accuracy and Completeness of Information About Customers and Counterparties Consumers May Decide Not to Use Banks to Complete Their Financial Transactions

Full 10-K form ▸

93451--2/25/2010--STERLING_BANCORP