HBHC » Topics » We may be vulnerable to certain sectors of the economy .

These excerpts taken from the HBHC 10-K filed Feb 27, 2009.

We may be vulnerable to certain sectors of the economy.

          A portion of our loan portfolio is secured by real estate. If the economy deteriorated and depressed real estate values beyond a certain point, that collateral value of the portfolio and the revenue stream from those loans could come under stress and possibly require additional provision to the allowance for loan losses. Our ability to dispose of foreclosed real estate at prices above the respective carrying values could also be impinged, causing additional losses.

We may be vulnerable to certain sectors of the economy.

          A portion of our loan portfolio is secured by real estate. If the economy deteriorated and depressed real estate values beyond a certain point, that collateral value of the portfolio and the revenue stream from those loans could come under stress and possibly require additional provision to the allowance for loan losses. Our ability to dispose of foreclosed real estate at prices above the respective carrying values could also be impinged, causing additional losses.

We may be vulnerable to certain sectors of the economy.

          A portion of our loan portfolio is secured by real estate. If the economy deteriorated and depressed real estate values beyond a certain point, that collateral value of the portfolio and the revenue stream from those loans could come under stress and possibly require additional provision to the allowance for loan losses. Our ability to dispose of foreclosed real estate at prices above the respective carrying values could also be impinged, causing additional losses.

We may be vulnerable to certain sectors of the economy.



          A portion of our loan portfolio is secured by real estate. If the economy deteriorated and depressed real estate values beyond a certain point, that collateral value of the portfolio and the revenue stream from those loans could come under stress and possibly require additional provision to the allowance for loan losses. Our ability to dispose of
foreclosed real estate at prices above the respective carrying values could also be impinged, causing additional losses.



These excerpts taken from the HBHC 10-K filed Feb 27, 2008.

We may be vulnerable to certain sectors of the economy.

          A portion of our loan portfolio is secured by real estate. If the economy deteriorated and depressed real estate values beyond a certain point, that collateral value of the portfolio and the revenue stream from those loans could come under stress and possibly require additional provision to the allowance for loan losses. Our ability to dispose of foreclosed real estate at prices above the respective carrying values could also be impinged, causing additional losses.

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We may be
vulnerable to certain sectors of the economy.




          A
portion of our loan portfolio is secured by real estate. If the economy deteriorated
and depressed real estate values beyond a certain point, that collateral value of the
portfolio and the revenue stream from those loans could come under stress and possibly
require additional provision to the allowance for loan losses. Our ability to dispose
of foreclosed real estate at prices above the respective carrying values could also be
impinged, causing additional losses.



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