858800--3/27/2009--EMCLAIRE_FINANCIAL_CORP

related topics

{condition, economic, financial}

{loan, real, estate}

{capital, credit, financial}

{acquisition, growth, future}

The current economic environment poses significant challenges for the Corporation and could adversely affect its financial condition and results of operations. The Corporation s business is subject to various lending and other economic risks that could adversely impact the Corporation s financial condition and results of operations. The declining real estate market could impact the Corporation s business. The building of market share through our branching strategy could cause our expenses to increase faster than revenues. If external funds are not available, this could adversely impact our growth and future prospects.

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