912382--3/13/2009--NATIONAL_BANK_OF_INDIANAPOLIS

related topics

{condition, economic, financial}

{loss, insurance, financial}

{loan, real, estate}

{competitive, industry, competition}

{regulation, change, law}

{acquisition, growth, future}

{product, liability, claim}

{system, service, information}

{personnel, key, retain}

{control, financial, internal}

There can be no assurance that actions of the U.S. government, Federal Reserve and other governmental and regulatory bodies for the purpose of stabilizing the financial markets will achieve the intended effect We may be required to pay significantly higher Federal Deposit Insurance Corporation (FDIC) premiums in the future Recent negative developments in the financial industry and the credit markets may subject us to additional regulation The Corporation Is Subject To Interest Rate Risk The Corporation Is Subject To Lending Risk The Corporation s Allowance for Loan Losses May Be Insufficient The Corporation Operates In A Highly Competitive Industry And Market Area The Corporation Is Subject To Extensive Government Regulation And Supervision The Corporation s Controls And Procedures May Fail Or Be Circumvented The Corporation Is Dependent On Certain Key Management And Staff The Corporation s Information Systems May Experience An Interruption Or Breach In Security The Corporation Has Opened New Offices The geographic concentration of our markets makes our business highly susceptible to local economic conditions Future growth or operating results may require the Corporation to raise additional capital but that capital may not be available or it may be dilutive

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912382--3/13/2009--NATIONAL_BANK_OF_INDIANAPOLIS_CORP