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| related topics |
| {capital, credit, financial} |
| {competitive, industry, competition} |
| {stock, price, share} |
| {product, market, service} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {provision, law, control} |
| {acquisition, growth, future} |
| {regulation, change, law} |
|
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The soundness of other financial institutions could adversely affect us.
There can be no assurance that recently enacted legislation will stabilize the U.S. financial system.
The impact on us of recently enacted legislation, in particular the Emergency Economic Stabilization Act of 2008 and its implementing regulations, and actions by the FDIC, cannot be predicted at this time.
Our credit losses could increase and our allowance for loan and lease losses may not be adequate to cover actual loan losses.
We rely heavily on our management and other key personnel, and the loss of any of them may adversely affect our operations.
Decline in the availability of out-of-area deposits could cause liquidity or interest rate margin concerns, or limit our growth.
Future sales of our common stock or other securities may dilute the value of our common stock.
Our growth and expansion may be limited by many factors.
Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
We are subject to significant government regulation, and any regulatory changes may adversely affect us.
We continually encounter technological change, and we may have fewer resources than our competitors to continue to invest in technological improvements.
Our Articles of Incorporation and By-laws and the laws of Michigan contain provisions that may discourage or prevent a takeover of our company and reduce any takeover premium.
There is a limited trading market for our common stock.
Full 10-K form ▸
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