|
| related topics |
| {loan, real, estate} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {provision, law, control} |
| {cost, operation, labor} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {product, market, service} |
| {regulation, change, law} |
| {stock, price, operating} |
| {tax, income, asset} |
| {acquisition, growth, future} |
|
|
Changes in economic conditions or interest rates may negatively affect our earnings, capital and liquidity.
The value of certain securities in our investment portfolio may be negatively affected by disruptions in the market for those securities and future declines or other-than-temporary impairments could materially adversely affect our future earnings and regulatory capital.
The state of financial markets and the economy may adversely affect our sources of liquidity and capital.
There Can Be No Assurance that the Emergency Economic Stabilization Act of 2008 and the American Recovery and Reinvestment Act Will Stabilize the U.S. Economy and Financial System
Our credit losses could increase and our allowance for loan losses may not be adequate to cover actual loan losses.
Our business is subject to various lending risks depending on the nature of the borrower's business, its cash flow and our collateral.
We may experience difficulties in managing our growth.
We rely heavily on our management and other key personnel, and the loss of any of them may adversely affect our operations.
Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
We are subject to significant government regulation, and any regulatory changes may adversely affect us.
We continually encounter technological change, and we may have fewer resources than our competitors to continue to invest in technological improvements.
Our articles of incorporation and by-laws and Michigan laws contain certain provisions that could make a takeover more difficult.
Our ability to pay dividends is limited by law and contract.
Acquisitions may affect our results.
The market price for our common stock fluctuates.
Full 10-K form ▸
|
|
| related documents |
| 763901--2/29/2008--POPULAR_INC |
| 1177070--3/31/2009--MOUNTAIN_NATIONAL_BANCSHARES_INC |
| 859139--3/2/2009--DELPHI_FINANCIAL_GROUP_INC/DE |
| 859139--3/1/2010--DELPHI_FINANCIAL_GROUP_INC/DE |
| 731122--3/27/2009--CCFNB_BANCORP_INC |
| 1130144--3/15/2006--SIERRA_BANCORP |
| 919865--3/23/2009--FENTURA_FINANCIAL_INC |
| 1014133--3/31/2008--COMMUNITY_CENTRAL_BANK_CORP |
| 1118148--3/14/2006--AMERICAN_PHYSICIANS_CAPITAL_INC |
| 921590--3/27/2009--VALLEY_FINANCIAL_CORP_/VA/ |
| 885275--3/13/2009--WILSON_BANK_HOLDING_CO |
| 1109525--3/16/2010--BANCORP_RHODE_ISLAND_INC |
| 714712--3/13/2009--JUNIATA_VALLEY_FINANCIAL_CORP |
| 1169769--3/30/2009--MONARCH_COMMUNITY_BANCORP_INC |
| 52617--3/9/2007--IRWIN_FINANCIAL_CORP |
| 707605--3/6/2008--AMERISERV_FINANCIAL_INC_/PA/ |
| 1391137--1/7/2008--BCSB_Bancorp_Inc. |
| 1052101--12/28/2007--BCSB_BANKCORP_INC |
| 1143566--3/17/2008--EVERGREENBANCORP_INC |
| 946842--4/15/2009--AMBASSADORS_INTERNATIONAL_INC |
| 1171017--4/29/2008--SOUTHERN_COMMUNITY_BANCSHARES_INC_/GA |
| 1389772--3/24/2009--FIRST_PRIORITY_FINANCIAL_CORP. |
| 1094810--3/13/2008--MUTUALFIRST_FINANCIAL_INC |
| 1319572--3/30/2006--United_Financial_Bancorp_Inc |
| 1005188--3/28/2008--NORTH_CENTRAL_BANCSHARES_INC |
| 1005188--3/30/2007--NORTH_CENTRAL_BANCSHARES_INC |
| 1308017--3/16/2009--FedFirst_Financial_CORP |
| 52617--3/6/2006--IRWIN_FINANCIAL_CORP |
| 850606--6/28/2007--COMMUNITY_FINANCIAL_CORP_/VA/ |
| 885708--3/13/2006--NUVEEN_INVESTMENTS_INC |
|