16614--3/18/2009--CAMCO_FINANCIAL

related topics

{condition, economic, financial}

{loss, insurance, financial}

{debt, indebtedness, cash}

{financial, litigation, operation}

{competitive, industry, competition}

{provision, law, control}

{acquisition, growth, future}

Difficult economic conditions and market volatility have adversely impacted the banking industry and financial markets generally and may significantly affect our business, financial condition, or results of operation. Changes in interest rates could adversely affect our financial condition and results of operations. Credit risks could adversely affect our results of operations. We operate in an extremely competitive market, and our business will suffer if we are unable to compete effectively. Our ability to pay cash dividends is subject to prior FRB approval. The preparation of financial statements requires management to make estimates about matters that are inherently uncertain. Our organizational documents may have the effect of discouraging a third party from acquiring us. Consumers may decide not to use banks to complete their financial transactions. Camco may be named as a defendant from time to time in a variety of litigation and other actions. Camco s allowance for loan losses may be insufficient to cover future losses.

Full 10-K form ▸

16614--3/18/2009--CAMCO_FINANCIAL_CORP