1169769--3/30/2009--MONARCH_COMMUNITY_BANCORP_INC

related topics

{loan, real, estate}

{provision, law, control}

{personnel, key, retain}

{capital, credit, financial}

{acquisition, growth, future}

Our future profits may be affected by our inability to grow core deposits We are making commercial real estate loans outside of our normal market area Our loan portfolio possesses increased risk due to our subprime residential lending If we lose our executive officers, it could adversely affect our operations The amount of common stock controlled by insiders, our articles of incorporation and bylaws and state and federal statutory and regulatory provisions could discourage hostile acquisitions of control

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