1253317--3/26/2010--OLD_LINE_BANCSHARES_INC

related topics
{loan, real, estate}
{acquisition, growth, future}
{loss, insurance, financial}
{personnel, key, retain}
{regulation, government, change}
{condition, economic, financial}
{competitive, industry, competition}
{stock, price, share}
Our need to comply with extensive and complex governmental regulation could have an adverse effect on our business and our growth strategy. Because Old Line Bank serves a limited market area in Maryland, economic downturn in our market area could more adversely affect us than it affects our larger competitors that are more geographically diverse We depend on the services of key personnel. The loss of any of these personnel could disrupt our operations and our business could suffer. Our growth and expansion strategy may not be successful. Our focus on commercial and real estate loans may increase the risk of credit losses. Our concentrations of loans in various categories may also increase the risk of credit losses. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings will decrease. Our profitability depends on interest rates and changes in monetary policy may impact us The market value of our investments could negatively impact stockholders equity. Old Line Bank faces substantial competition which could adversely affect our growth and operating results. We face limits on our ability to lend.

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