1367859--12/21/2007--Citizens_Community_Bancorp_Inc.

related topics
{loan, real, estate}
{condition, economic, financial}
{loss, insurance, financial}
{competitive, industry, competition}
{regulation, government, change}
Our loan portfolio possesses increased risk due to our substantial number of consumer loans. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease. Rising interest rates may hurt our profits. If economic conditions deteriorate, our results of operations and financial condition could be adversely impacted as borrowers' ability to repay loans declines and the value of the collateral securing our loans decreases. We operate in a highly regulated environment and may be affected adversely by negative examination results and changes in laws and regulations. Strong competition within our market areas may limit our growth and profitability. Our business is geographically concentrated in Wisconsin, Minnesota and Michigan and a downturn in economic conditions in these states could reduce our profits.

Full 10-K form ▸
related documents
1141807--3/10/2006--1ST_CONSTITUTION_BANCORP
796534--3/16/2009--NATIONAL_BANKSHARES_INC
850606--6/28/2007--COMMUNITY_FINANCIAL_CORP_/VA/
1169770--3/10/2008--FIRST_PACTRUST_BANCORP_INC
1171017--4/29/2008--SOUTHERN_COMMUNITY_BANCSHARES_INC_/GA
74208--3/1/2007--UNITED_DOMINION_REALTY_TRUST_INC
919865--3/23/2009--FENTURA_FINANCIAL_INC
850626--3/22/2006--FULTON_BANCSHARES_CORP
1130144--3/15/2006--SIERRA_BANCORP
1177070--3/31/2009--MOUNTAIN_NATIONAL_BANCSHARES_INC
913072--2/26/2007--MERRILL_MERCHANTS_BANCSHARES_INC
846931--3/30/2006--NEW_HAMPSHIRE_THRIFT_BANCSHARES_INC
1179500--3/29/2007--COMMUNITY_FIRST_INC
1389772--3/24/2009--FIRST_PRIORITY_FINANCIAL_CORP.
1094810--3/13/2008--MUTUALFIRST_FINANCIAL_INC
850606--6/26/2006--COMMUNITY_FINANCIAL_CORP_/VA/
1005188--3/28/2008--NORTH_CENTRAL_BANCSHARES_INC
1005188--3/30/2007--NORTH_CENTRAL_BANCSHARES_INC
731122--3/27/2009--CCFNB_BANCORP_INC
1042064--3/4/2009--NORTHWEST_BANCORP_INC
1356628--3/30/2007--ViewPoint_Financial_Group
1169770--2/28/2007--FIRST_PACTRUST_BANCORP_INC
1115568--3/31/2008--WGNB_CORP
1115568--2/16/2007--WGNB_CORP
1115568--3/20/2006--WGNB_CORP
1069157--3/1/2007--EAST_WEST_BANCORP_INC
943119--3/12/2008--FNBH_BANCORP_INC
1308017--3/16/2009--FedFirst_Financial_CORP
719220--2/29/2008--S&T_BANCORP_INC
846931--3/20/2007--NEW_HAMPSHIRE_THRIFT_BANCSHARES_INC