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| related topics |
| {condition, economic, financial} |
| {stock, price, share} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {provision, law, control} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {product, market, service} |
| {regulation, change, law} |
| {tax, income, asset} |
|
|
Changes in economic conditions or interest rates may negatively affect the Company s earnings, capital, and liquidity.
The Bank s allowance for loan and lease losses may not be adequate to cover actual losses.
The Company continues to be subject to increased regulatory requirements imposed by the Sarbanes-Oxley Act of 2002, including a requirement that management attest to the Company s internal controls over financial reporting, which attestation will be reviewed by the Company s external auditors. These requirements represent increased costs to the Company over past periods.
The Company s financial condition and profitability is subject to various lending risks.
The Company relies heavily on its management and other key personnel, and the loss of any of them may adversely effect its operations.
The future success of the Company is dependent on its ability to compete effectively in the highly competitive banking industry.
The Company s business is subject to significant government regulation, and any regulatory changes may adversely affect the Company and its operations.
The Company s operations may be affected by its ability to adapt to and take advantage of technological changes.
The Company s ability to pay dividends is limited by law and contract.
An investment in the Company s common stock is relatively illiquid.
The Company s Articles of Incorporation and Bylaws and Michigan laws contain certain provisions that could make a takeover of the Company more difficult.
Full 10-K form ▸
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