1051379--3/14/2008--MIDWEST_BANC_HOLDINGS

related topics

{acquisition, growth, future}

{stock, price, share}

{loss, insurance, financial}

{system, service, information}

{debt, indebtedness, cash}

{competitive, industry, competition}

{regulation, change, law}

The Company s allowance for loan losses may not be sufficient to cover actual loan losses, including losses associated with the Large Problem Credit, which could adversely affect its results of operations or its financial condition. Future impairment losses could be required on the Federal National Mortgage Association, FNMA, and Federal Home Loan Mortgage Corporation, FHLMC, preferred equity securities that the Company owns. The Company s effective tax rates may be adversely affected by changes in federal and state tax laws. The Company may not be able to successfully implement its growth strategy and may encounter difficulties or unexpected developments in connection with the integration of its acquisitions. The Company s continued pace of growth may require it to increase its regulatory capital in the future, but that capital may not be available when it is needed. An interruption in or breach in security of the Company s information systems may result in a loss of customer business. The Company s ability to pay dividends and make payment on its debt securities and on its outstanding debt is dependent on the earnings of its subsidiaries and is subject to other restrictions. The Company s business may be adversely affected by the highly regulated environment in which it operates.

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1051379--3/14/2008--MIDWEST_BANC_HOLDINGS_INC