801122--3/17/2008--IBT_BANCORP_INC

related topics

{loan, real, estate}

{provision, law, control}

{loss, insurance, financial}

{personnel, key, retain}

{stock, price, share}

{tax, income, asset}

The price of our common stock is dependent on our proposed merger with S T Bancorp, Inc. Our loan portfolio includes a substantial amount of commercial and commercial real estate loans. Our concentration of loans in the Pittsburgh area exposes us to the risk of a possible economic downturn affecting that area. If we have failed to provide an adequate allowance for loan losses, there could be a significant negative impact on our earnings. Future changes in interest rates may reduce our profits. The loss of any of our executive officers could hurt our operations Our shareholder rights plan could have the effect of deterring accumulations of our common stock. Various other provisions in our governing documents could have the effect on insulating management from a hostile takeover.

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