1127442--4/15/2009--CITIZENS_FIRST_BANCORP

related topics

{stock, price, share}

{tax, income, asset}

{capital, credit, financial}

{regulation, change, law}

{loss, insurance, financial}

{personnel, key, retain}

{competitive, industry, competition}

{acquisition, growth, future}

If Investment Securities we Own Suffer a Decline in Value Considered to be Other Than Temporary, we May be Required to Record a Significant Charge to Earnings. Failure to Maintain Compliance with Regulatory Standards and Mandates Could Result in Adverse Regulatory Action Against Us and Restrict Certain Activities. We will Likely Need to Raise Additional Capital in the Near Future There Can be no Assurance That Recently Enacted Legislation Will Stabilize the U.S. Financial System. The Impact of Recently Enacted Legislation, in Particular the Emergency Economic Stabilization Act Of 2008 and it s Implementing Regulations, and Actions by the FDIC, Cannot be Predicted at This Time. FDIC Deposit Insurance Assessments Will Increase, Possibly Materially, in the Future Our Ability to Attract and Retain Deposits and Other Funding Sources External Events Affect on Goodwill and Intangible Assets The Company May Not Realize Its Deferred Income Tax Assets. The Company s Stock Price Can Be Volatile. Our Common Stock May Not Continue To Be Listed On An Exchange. Our Common Stock Is Not An Insured Deposit. We May Be Adversely Affected By The Soundness Of Other Financial Institutions. Critical Tax and Accounting Policies Attraction and Retention of Key Personnel

Full 10-K form ▸

1127442--4/15/2009--CITIZENS_FIRST_BANCORP_INC