706129--3/24/2006--HORIZON_BANCORP_/IN/

related topics
{loan, real, estate}
{debt, indebtedness, cash}
{stock, price, share}
{loss, insurance, financial}
{condition, economic, financial}
{cost, contract, operation}
Our commercial and consumer loans expose us to increased credit risks. Changes in market interest rates could adversely affect our financial condition and results of operations. An economic slowdown in Northwestern Indiana and Southwestern Michigan could affect our business. We are subject to increased regulatory capital requirements. If we are required to change the classification of our mortgage warehouse loans for capital purposes, this could restrict the capital we have available for further growth. Because our stock is thinly traded, it may be more difficult for you to sell your shares or buy additional shares when you desire to do so and the price may be volatile. The preparation of our financial statements requires the use of estimates that may vary from actual results. Our mortgage warehouse and indirect lending operations are subject to a higher fraud risk than our other lending operations.

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