Changes in accounting policies and practices and the use of estimates in determining fair value of certain of our assets,.Within the expected time frames or at all, and costs or difficulties relating to integration matters, including but not limited to,Ĭustomer and employee retention might be greater than expected The expected revenues, cost savings, synergies and other benefits from the Puget Sound Bank merger might not be realized.The inability of key third-party providers to perform their obligations to us.Adverse changes in the securities markets.

Stability of funding sources and continued availability of borrowings.Risks associated with our ability to implement our expansion strategy and merger integration.The ability to recruit and retain key management and staff.Changes in legislative or regulatory requirements or the results of regulatory examinations.Fluctuations in demand for loans and other financial services in our market areas.Balance sheet (for example, loan) concentrations.Competitive market pricing factors and interest rate risks.Changes in general economic conditions, either nationally or in our market areas.The credit and concentration risks of lending activities.Not limited to, customer and employee retention, might be greater than expected The expected revenues, cost savings, synergies and other benefits from our other merger and acquisition activities might notīe realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but.This presentation contains forward-looking statements that are subject to risks and uncertainties, including, but not limited to:

Sas jmp job 16272