93451--3/16/2009--STERLING

related topics

{stock, price, share}

{condition, economic, financial}

{loan, real, estate}

{competitive, industry, competition}

{acquisition, growth, future}

{debt, indebtedness, cash}

{product, market, service}

{product, liability, claim}

{tax, income, asset}

{loss, insurance, financial}

{financial, litigation, operation}

{personnel, key, retain}

{operation, natural, condition}

{control, financial, internal}

{system, service, information}

{provision, law, control}

{regulation, change, law}

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 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 Sterling Bancorp Relies on Dividends from Its Subsidiaries Our Agreements with the Treasury Impose Restrictions and Obligations on Us that Limit Our Ability to Increase Dividends, Repurchase Our Common Shares or Preferred Shares and Access the Equity Capital Markets 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 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 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 RISKS ASSOCIATED WITH THE COMPANY S COMMON STOCK The Company s Stock Price Can Be Volatile The Trading Volume in the Company s Common Stock Is Less Than That of Other Larger Financial Services Companies An Investment in the Company s Common Stock Is Not an Insured Deposit The Company s Certificate of Incorporation, By-Laws and Shareholders Rights Plan as Well as Certain Banking Laws May Have an Anti-Takeover Effect 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--3/16/2009--STERLING_BANCORP