702325--2/27/2009--FIRST_MIDWEST_BANCORP

related topics

{stock, price, share}

{loan, real, estate}

{regulation, change, law}

{acquisition, growth, future}

{competitive, industry, competition}

{system, service, information}

{product, market, service}

{condition, economic, financial}

{capital, credit, financial}

{loss, insurance, financial}

{product, liability, claim}

{personnel, key, retain}

{financial, litigation, operation}

{control, financial, internal}

{operation, natural, condition}

{provision, law, control}

{debt, indebtedness, cash}

Risks Related to the Company s Business The Company s Business May Be Adversely Affected by Conditions in the Financial Markets and Economic Conditions Generally The Company Is Subject To Interest Rate Risk The Company Is Subject To Lending Risk The Company s Reserve For Loan Losses May Be Insufficient The Company s Estimate of Fair Values for Its Investments May Not Be Realizable If It Were to Sell These Securities Today Turmoil in the Financial Markets Could Result in Lower Fair Values for the Company s Investment Securities The Company Is Subject To Environmental Liability Risk Associated With Lending Activities The Company s Profitability Depends Significantly On Economic Conditions in the Suburban Metropolitan Chicago Market The Company s Investment in Bank Owned Life Insurance May Decline in Value The Company May Be Adversely Affected By the Soundness Of Other Financial Institutions The Company Operates In A Highly Competitive Industry and Market Area New Lines of Business or New Products and Services May Subject the Company to Additional Risks The Company Is Subject To Extensive Government Regulation and Supervision Recent Legislative and Regulatory Actions Taken to Stabilize the U.S. Banking System and Additional Actions Being Considered May Not Succeed Or May Disadvantage the Company The Company s Information Systems May Experience an Interruption or Breach in Security The Company Is Dependent Upon Outside Third Parties for Processing and Handling of Company Records and Data The Company Continually Encounters Technological Change The Company Is Subject to Claims and Litigation Pertaining to Fiduciary Responsibility Consumers and Businesses May Decide Not to Use Banks to Complete Their Financial Transactions The Company s Controls and Procedures May Fail or Be Circumvented Financial Services Companies Depend Upon the Accuracy and Completeness of Information About Customers and Counterparties The Company and Its Subsidiaries Are Subject to Examinations and Challenges by Taxing Authorities The Company and Its Subsidiaries Are Subject to Changes in Federal and State Tax Laws and Changes in Interpretation of Existing Laws The Company and Its Subsidiaries Are Subject to Changes in Accounting Principles, Policies, or Guidelines The Company May Not Be Able to Attract and Retain Skilled People The Company Is a Bank Holding Company and Its Sources of Funds Are Limited The Company Could Experience an Unexpected Inability to Obtain Needed Liquidity Severe Weather, Natural Disasters, Acts of War or Terrorism and Other External Events Could Significantly Impact the Company s Business Future Acquisitions May Disrupt the Company s Business and Dilute Stockholder Value Competition for Acquisition Candidates Is Intense Decline In the Company s Stock Price Below Tangible Book Value Could Require a Write-down of Some Portion or All of the Company s Goodwill Future Growth or Operating Results May Require the Company to Raise Additional Capital But that Capital May Not Be Available or It May Be Dilutive Any Reduction in the Company s Credit Ratings Could Increase Its Financing Costs Risks Associated With the Company s Common Stock The Company s Stock Price Can Be Volatile The Trading Volume In the Company s Common Stock Is Less Than That Of Other Larger Financial Services Institutions An Investment In the Company s Common Stock Is Not An Insured Deposit The Company s Restated Certificate of Incorporation, Amended and Restated By-Laws, and Amended and Restated Rights Agreement As Well As Certain Banking Laws May Have An Anti-Takeover Effect The Company May Issue Additional Securities, Which Could Dilute the Ownership Percentage of Holders of the Company s Common Stock The Company s Participation in the CPP May Adversely Affect the Value of its Common Stock and the Rights of its Common Stockholders The Company has not established a minimum dividend payment level, and it cannot assure you of its ability to pay dividends in future.

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702325--2/27/2009--FIRST_MIDWEST_BANCORP_INC