861955--11/7/2007--CIB_MARINE_BANCSHARES_INC

related topics
{loan, real, estate}
{competitive, industry, competition}
{regulation, government, change}
CIB Marine operates in a highly regulated environment and is subject to supervision and examination by various federal and state regulatory agencies. CIB Marine is subject to litigation. CIB Marine competes for key personnel. CIB Marine s future success depends upon its ability to compete effectively in the highly competitive banking industry. CIB Marine s loan portfolio contains concentrations of credit to one borrower, related borrowers or borrowers in the same industry, which creates special credit risks. CIB Marine is subject to certain risks in connection with its use of technology. CIB Marine s profitability is dependent upon its ability to manage net interest income. CIB Marine is subject to credit risk.

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