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| related topics |
| {investment, property, distribution} |
| {stock, price, share} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {product, market, service} |
| {capital, credit, financial} |
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Risks Relating to Our Proposed Merger with Chemical Financial Corporation
Our proposed merger with Chemical Financial Corporation ("Chemical") may be delayed or may not occur at all for a variety of reasons.
Even if our proposed merger with Chemical is completed, our stockholders may receive less consideration than 1.306 shares of Chemical common stock for each share of our common stock, depending on certain adjustment provisions in the Merger Agreement.
During the pendency of the merger with Chemical, we may not be able to enter into a business combination with another party because of restrictions in the merger agreement.
Risks Relating to Our Business
The Company has credit risk inherent in its asset portfolio, and its allowance for loan losses may not be sufficient to cover actual loan losses.
Fluctuations in interest rates and economic conditions could reduce the Company's profitability and negatively affect its capital and liquidity.
The Company relies heavily on its management team. The loss of key managers may adversely affect its operations.
Competition with other financial institutions could adversely affect the Company's profitability.
The Company's operations may be affected by its ability to adapt to and take advantage of technological changes.
Changes in economic conditions could adversely affect the Company's loan portfolio.
The Company operates in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.
The Company's ability to pay dividends on its common stock is limited not only by its profitability, but also by bank regulation and by contract.
There is a limited trading market for the Company's common stock.
The value of certain securities in our investment portfolio may be negatively affected by disruptions in the market for those securities and future declines or other-than-temporary impairments could materially adversely affect our future earnings and regulatory capital.
The state of financial markets and the economy may adversely affect our sources of liquidity and capital.
Full 10-K form ▸
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