NAL » Topics » Forward-Looking Statements

This excerpt taken from the NAL 10-Q filed May 8, 2009.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

  Changes in the interest rate environment may reduce the net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
  General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
  Adverse changes may occur in the securities markets impacting the value of NewAlliance’s investments;
  Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
  Recent government initiatives including the Emergency Economic Stabilization Act of 2008 (“EESA”) are expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the Company;
  Other legislative or regulatory changes, including those related to residential mortgages and changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
  Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
  Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
  Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
  Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance; and
  Costs or difficulties related to the integration of acquired businesses may be greater than expected.
  Unfavorable changes related to economic stress and dislocation may impact the Company’s vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

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

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Adverse changes may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
 
The recently enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the Company;
 
Other legislative or regulatory changes, including those related to residential mortgages and changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance; and
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected.
 
Unfavorable changes related to economic stress and dislocation may impact the Company’s vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Adverse changes may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
 
The recently enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the Company;
 
Other legislative or regulatory changes, including those related to residential mortgages and changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance; and
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected.
 
Unfavorable changes related to economic stress and dislocation may impact the Company’s vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Adverse changes may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
 
The recently enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the Company;
 
Other legislative or regulatory changes, including those related to residential mortgages and changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance; and
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected.
 
Unfavorable changes related to economic stress and dislocation may impact the Company’s vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Adverse changes may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
 
The recently enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the Company;
 
Other legislative or regulatory changes, including those related to residential mortgages and changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance; and
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected.
 
Unfavorable changes related to economic stress and dislocation may impact the Company’s vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Forward-Looking Statements


This report may contain certain forward-looking
statements as that term is defined in the U.S. federal securities laws.


Forward-looking statements are based on
certain assumptions and describe future plans, strategies, and expectations of Management
and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to
predict results or the actual effects of its plans or strategies is inherently uncertain.
Accordingly, actual results may differ materially from anticipated results.


Factors that could have a material adverse effect on the operations of NewAlliance
Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries
include, but are not limited to:































































 
Changes in
the interest rate environment may reduce net interest margin and/or the volumes
and values of loans made or held as well as the value of other financial assets
held;
 
General economic
or business conditions, either nationally or regionally, may be less favorable than
expected, resulting in, among other things, a deterioration in credit quality and/or
a reduced demand for credit or other services;
 
Adverse changes
may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive
pressures among depository and other financial institutions may increase significantly
and may decrease the profit margin associated with its business;
 
The recently
enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected
to have a profound effect on the financial services industry and could dramatically
change the competitive environment of the Company;
 
Other legislative
or regulatory changes, including those related to residential mortgages and changes
in accounting standards, may adversely affect the businesses in which NewAlliance
is engaged;
 
Local, state
or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost
savings associated with completed mergers may not fully be realized or realized
within expected time frames;
 
Deposit attrition,
customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors
of NewAlliance may have greater financial resources and develop products that enable
them to compete more successfully than NewAlliance; and
 
Costs or difficulties
related to the integration of acquired businesses may be greater than expected.
 
Unfavorable
changes related to economic stress and dislocation may impact the Company’s
vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue
reliance on these forward-looking statements, which speak only as of the date of
this report. Except as required by applicable law or regulation, Management undertakes
no obligation to update these forward-looking statements to reflect events or circumstances
that occur after the date on which such statements were made.


Forward-Looking Statements


This report may contain certain forward-looking
statements as that term is defined in the U.S. federal securities laws.


Forward-looking statements are based on
certain assumptions and describe future plans, strategies, and expectations of Management
and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to
predict results or the actual effects of its plans or strategies is inherently uncertain.
Accordingly, actual results may differ materially from anticipated results.


Factors that could have a material adverse effect on the operations of NewAlliance
Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries
include, but are not limited to:































































 
Changes in
the interest rate environment may reduce net interest margin and/or the volumes
and values of loans made or held as well as the value of other financial assets
held;
 
General economic
or business conditions, either nationally or regionally, may be less favorable than
expected, resulting in, among other things, a deterioration in credit quality and/or
a reduced demand for credit or other services;
 
Adverse changes
may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive
pressures among depository and other financial institutions may increase significantly
and may decrease the profit margin associated with its business;
 
The recently
enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected
to have a profound effect on the financial services industry and could dramatically
change the competitive environment of the Company;
 
Other legislative
or regulatory changes, including those related to residential mortgages and changes
in accounting standards, may adversely affect the businesses in which NewAlliance
is engaged;
 
Local, state
or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost
savings associated with completed mergers may not fully be realized or realized
within expected time frames;
 
Deposit attrition,
customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors
of NewAlliance may have greater financial resources and develop products that enable
them to compete more successfully than NewAlliance; and
 
Costs or difficulties
related to the integration of acquired businesses may be greater than expected.
 
Unfavorable
changes related to economic stress and dislocation may impact the Company’s
vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue
reliance on these forward-looking statements, which speak only as of the date of
this report. Except as required by applicable law or regulation, Management undertakes
no obligation to update these forward-looking statements to reflect events or circumstances
that occur after the date on which such statements were made.


Forward-Looking Statements


This report may contain certain forward-looking
statements as that term is defined in the U.S. federal securities laws.


Forward-looking statements are based on
certain assumptions and describe future plans, strategies, and expectations of Management
and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to
predict results or the actual effects of its plans or strategies is inherently uncertain.
Accordingly, actual results may differ materially from anticipated results.


Factors that could have a material adverse effect on the operations of NewAlliance
Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries
include, but are not limited to:































































 
Changes in
the interest rate environment may reduce net interest margin and/or the volumes
and values of loans made or held as well as the value of other financial assets
held;
 
General economic
or business conditions, either nationally or regionally, may be less favorable than
expected, resulting in, among other things, a deterioration in credit quality and/or
a reduced demand for credit or other services;
 
Adverse changes
may occur in the securities markets impacting the value of NewAlliance’s investments;
 
Competitive
pressures among depository and other financial institutions may increase significantly
and may decrease the profit margin associated with its business;
 
The recently
enacted Emergency Economic Stabilization Act of 2008 (“EESA”) is expected
to have a profound effect on the financial services industry and could dramatically
change the competitive environment of the Company;
 
Other legislative
or regulatory changes, including those related to residential mortgages and changes
in accounting standards, may adversely affect the businesses in which NewAlliance
is engaged;
 
Local, state
or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Expected cost
savings associated with completed mergers may not fully be realized or realized
within expected time frames;
 
Deposit attrition,
customer loss or revenue loss following completed mergers may be greater than expected;
 
Competitors
of NewAlliance may have greater financial resources and develop products that enable
them to compete more successfully than NewAlliance; and
 
Costs or difficulties
related to the integration of acquired businesses may be greater than expected.
 
Unfavorable
changes related to economic stress and dislocation may impact the Company’s
vendors, counter-parties, and other entities on which the company has a dependence.

Readers are cautioned not to place undue
reliance on these forward-looking statements, which speak only as of the date of
this report. Except as required by applicable law or regulation, Management undertakes
no obligation to update these forward-looking statements to reflect events or circumstances
that occur after the date on which such statements were made.


These excerpts taken from the NAL 10-K filed Feb 29, 2008.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to:

 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the profit margin associated with its business;
 
Legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses in which NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Adverse changes may occur in the securities markets; and
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more successfully than NewAlliance.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Forward-Looking Statements


This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.


Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management
and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar
expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly,
actual results may differ materially from anticipated results.


Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the
“Company”) and its subsidiaries include, but are not limited to:





















































 
Changes in the interest rate environment may reduce net interest margin and/or the volumes and values of loans made or held
as well as the value of other financial assets held;
 
General economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in,
among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 
Competitive pressures among depository and other financial institutions may increase significantly and may decrease the
profit margin associated with its business;
 
Legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses in which
NewAlliance is engaged;
 
Local, state or federal taxing authorities may take tax positions that are adverse to NewAlliance;
 
Costs or difficulties related to the integration of acquired businesses may be greater than expected;
 
Expected cost savings associated with completed mergers may not fully be realized or realized within expected time frames;
 
Deposit attrition, customer loss or revenue loss following completed mergers may be greater than expected;
 
Adverse changes may occur in the securities markets; and
 
Competitors of NewAlliance may have greater financial resources and develop products that enable them to compete more
successfully than NewAlliance.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report.
Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements
to reflect events or circumstances that occur after the date on which such statements were made.


This excerpt taken from the NAL 10-Q filed Nov 8, 2007.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of Management, are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. and its subsidiaries (the “Company”) include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation, and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s markets; the ability of the Company to successfully integrate the operations of recent or future acquisitions; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-K filed Mar 1, 2007.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s markets; the ability of the Company to successfully integrate the operations of acquired companies, changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-Q filed Nov 6, 2006.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of Management, are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. and its subsidiaries (the “Company”) include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation, and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s markets; the ability of the Company to successfully integrate the operations of recent or future acquisitions; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-Q filed May 8, 2006.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of Management, are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. and its subsidiaries (the “Company”) include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation, and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s markets; the ability of the Company to successfully integrate the operations of recent or future acquisitions; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-K filed Feb 28, 2006.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions and describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“NewAlliance” or the “Company”) and its subsidiaries include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s markets; the ability of the Company to successfully integrate the operations of acquired companies, changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-Q filed Aug 9, 2005.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Management, are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. and its subsidiaries (the “Company”) include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation, and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s local markets; the ability of the Company to successfully integrate the operations of pending acquisitions; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-Q filed May 10, 2005.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“the Company”) and its subsidiaries include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation, and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s local markets; the ability of the Company to successfully integrate the operations of pending acquisitions; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

This excerpt taken from the NAL 10-K filed Mar 21, 2005.

Forward-Looking Statements

This report may contain certain forward-looking statements as that term is defined in the U.S. federal securities laws.

Forward-looking statements are based on certain assumptions, describe future plans, strategies, and expectations of Management and are generally identified by use of the word “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, or similar expressions. Management’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of NewAlliance Bancshares, Inc. (“the Company”) and its subsidiaries include, but are not limited to, changes in market interest rates, loan prepayment rates and delinquencies, general economic conditions, legislation and regulation; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; changes in the quality or composition of the loan or investment portfolios; changes in deposit flows, competition, and demand for financial services, and loan, deposit and investment products in the Company’s local markets; changes in accounting principles and guidelines; war or terrorist activities; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the Company’s operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by applicable law or regulation, Management undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

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