1303942--3/12/2008--BankFinancial_CORP

related topics
{competitive, industry, competition}
{stock, price, share}
{loan, real, estate}
{condition, economic, financial}
{loss, insurance, financial}
{regulation, change, law}
{provision, law, control}
{product, market, service}
Changes in Market Interest Rates Could Adversely Affect Our Financial Condition and Results of Operations Our Return on Stockholders Equity Will Continue to Be Low In the Near Future as a Result of the 2005 Subscription Offering Our Nonresidential Real Estate Loans, Multi-family Mortgage Loans, Construction and Land Loans, Commercial Loans and Commercial Leases Expose Us to Increased Credit Risks Our Concentration of Loans within Certain Segments of the Healthcare Industry Exposes Us to Increased Credit Risk We Could Record Future Losses on Our Holdings of Freddie Mac Preferred Stock If Our Allowance for Loan Losses is Not Sufficient to Cover Actual Loan Losses, Our Earnings Could Decrease Our Ability to Successfully Conduct Acquisitions Will Affect Our Ability to Grow Our Franchise and Compete Effectively in Our Marketplace The Risks Presented by the Acquisition of Other Institutions Could Adversely Affect Our Financial Condition and Results of Operations Since Our Business is Concentrated in the Chicago Metropolitan Area, a Downturn in the Economy of This Area May Adversely Affect Our Business Non-Compliance with USA PATRIOT Act, Bank Secrecy Act, or Other Laws and Regulations Could Result in Fines or Sanctions, and Curtail Expansion Opportunities The Bank s Ability to Pay Dividends is Subject to Regulatory Limitations Which, to the Extent the Company Requires Such Dividends in the Future, May Affect its Ability to Pay Dividends Our Future Success Is Dependent On Our Ability To Compete Effectively In The Highly Competitive Banking Industry Various Factors May Make Takeover Attempts That You Want to Succeed More Difficult to Achieve, Which May Affect the Value of Shares of Our Common Stock We Continually Encounter Technological Change, and May Have Fewer Resources Than Many of Our Competitors to Continue to Invest In Technological Improvements Our Business May Be Adversely Affected by the Highly Regulated Environment In Which We Operate Trading Activity in the Company s Common Stock Could Result in Material Price Fluctuations

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