887149--3/26/2010--CROGHAN_BANCSHARES

related topics

{loss, insurance, financial}

{financial, litigation, operation}

{stock, price, share}

{regulation, change, law}

{condition, economic, financial}

{system, service, information}

{personnel, key, retain}

{competitive, industry, competition}

{loan, real, estate}

Current levels of market volatility are unprecedented and may adversely affect our financial condition and results of operations. Recent developments in the residential mortgage and related markets and the economy may adversely affect our business. 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. Our credit standards and on-going process of credit assessment might not protect us from significant credit losses. 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 the 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. Changes in accounting standards could impact our results of operations. Our continued success depends upon our ability to attract and retain key personnel. We may be a defendant from time to time in a variety of litigation and other actions, which could have a material adverse effect on our financial condition and results of operations. Unauthorized disclosure of sensitive or confidential client or customer information, whether through a breach of our computer systems or otherwise, could severely harm our business.

Full 10-K form ▸

887149--3/26/2010--CROGHAN_BANCSHARES_INC