1025877--3/17/2008--DCB_FINANCIAL_CORP

related topics

{loss, insurance, financial}

{tax, income, asset}

{capital, credit, financial}

{acquisition, growth, future}

{stock, price, share}

{regulation, government, change}

{financial, litigation, operation}

Asset and Liability Management and Market Risk Our ability to pay cash dividends is limited. Legislative or regulatory changes or actions could adversely impact the financial services industry. We face risks with respect to future expansion. Discussion of Assets, Liabilities and Shareholders Equity; Interest Rates and Interest Differential Nonaccrual and Past Due Loans Summary of Loan Loss Experience Analysis of the Allowance for Loan Losses Allocation of the Allowance for Loan Losses Schedule of Average Deposit Amounts and Rates Maturity Analysis of Time Deposits Greater than $100,000 Return on Equity and Assets

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