887149--3/25/2009--CROGHAN_BANCSHARES_INC

related topics
{loss, insurance, financial}
{stock, price, share}
{regulation, government, change}
{financial, litigation, operation}
{competitive, industry, competition}
{loan, real, estate}
{regulation, change, law}
Recent developments in the residential mortgage and related markets and the economy may adversely affect our business. Federal or state governments may adopt laws responsive to the current credit conditions that would affect our ability to collect on loans. If our actual loan losses exceed our allowance for loan losses, our net income will decrease. FDIC insurance premiums may increase materially, which would negatively affect our net income. We may not be able to pay dividends in the future in accordance with past practice. We depend upon the accuracy and completeness of information about customers. Government regulation can result in limitations on our operations. We operate in an extremely competitive market, and we will suffer if we are unable to compete effectively. There is a limited trading market for our common shares, and thus your ability to sell or purchase our common shares may be limited. The preparation of our financial statements requires the use of estimates that may vary from actual results.

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