1051379--3/15/2006--MIDWEST_BANC_HOLDINGS_INC

related topics
{system, service, information}
{loss, insurance, financial}
{provision, law, control}
{debt, indebtedness, cash}
{competitive, industry, competition}
{acquisition, growth, future}
The Company s allowance for loan losses may not be sufficient to cover actual loan losses, which could adversely affect its results of operations. 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 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. The Company could encounter difficulties or unexpected developments related to any future acquisitions. Provisions in the Company s amended and restated certificate of incorporation and its amended and restated by-laws may delay or prevent an acquisition of the Company by a third party.

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