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| HTBK > SEC Filings for HTBK > Form 8-K on 7-Aug-2009 | All Recent SEC Filings |
7-Aug-2009
Regulation FD Disclosure, Financial Statements and Exhibits
Heritage Bank of Commerce executive management will conduct a 30 minute
presentation about the bank at two locations next week: San Jose office on
August 12, 2009 at 4:00 p.m. PST and Danville office on August 13, 2009 at 5:30
p.m. PST. A question and answer session will follow the presentation.
Shareholders are invited to attend and should RSVP by Monday August 10, 2009 by
calling 408.494.4515 or emailing rsvp@herbank.com.
Danville Presentation August 13, 2009 at 5:30 p.m. PST 387 Diablo Road, Danville, CA 94526
A copy of the slide presentation to shareholders to be presented on August 12, 2009 and August 13, 2009 by the registrant's executive management is attached as Exhibit 99.1.
Forward-looking statements are based on management's knowledge and belief as of
today and include information concerning the Company's possible or assumed
future financial condition, and its results of operations, business and earnings
outlook. These forward-looking statements are subject to risks and
uncertainties. A number of factors, some of which are beyond the Company's
ability to control or predict, could cause future results to differ materially
from those contemplated by such forward-looking statements. These factors
include (1) difficult and adverse conditions in the global and domestic capital
and credit markets, (2) continued volatility and further deterioration of the
capital and credit markets, (3) significant changes in banking laws or
regulations, including, without limitation, as a result of the Emergency
Economic Stabilization Act and the creation of and possible amendments to the
Troubled Asset Relief Program (TARP), including the Capital Purchase Program and
related executive compensation requirements, (4) continued uncertainty about the
impact of TARP and other recent federal programs on the financial markets
including levels of volatility and credit availability, (5) a more adverse than
expected decline or continued weakness in general business and economic
conditions, either nationally, regionally or locally in areas where the Company
conducts its business, which may affect, among other things, the level of
nonperforming assets, charge-offs and provision expense, (6) changes in interest
rates, reducing interest rate margins or increasing interest rate risks, (7)
changes in market liquidity which may reduce interest margins and impact
funding sources, (8) increased competition in the Company's markets, (9) changes
in the financial performance and/or condition of the Company's borrowers,
(10) current and further deterioration in the housing and commercial real estate
markets particularly in California and (11) increases in Federal Deposit
Insurance Corporation premiums due to market developments and regulatory
changes. For a discussion of factors which could cause results to differ, please
see the Company's reports on Forms 10-K and 10-Q as filed with the Securities
and Exchange Commission and the Company's press releases. Readers should not
place undue reliance on the forward-looking statements, which reflect
management's view only as of the date hereof. The Company undertakes no
obligation to publicly revise these forward-looking statements to reflect
subsequent events or circumstances.
(D) Exhibits.
99.1 Slide presentation to shareholders to be presented on August 12, 2009 and August 13, 2009 by the registrant's executive management.
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