919865--3/19/2007--FENTURA_FINANCIAL

related topics

{condition, economic, financial}

{loan, real, estate}

{capital, credit, financial}

{regulation, government, change}

{personnel, key, retain}

{competitive, industry, competition}

The Company has credit risk inherent in its securities portfolio. The Company s mortgage-banking revenues are susceptible to substantial variations dependent largely upon factors that the Company does not control, such as market interest rates. Fluctuations in interest rates and economic conditions could reduce the Company s profitability and negatively affect its capital and liquidity. The Company s operations may be adversely affected if the Company is unable to secure adequate funding. The Company s use of wholesale funding sources exposes it to liquidity risk and potential earnings volatility. The Company relies heavily on its management team, and the unexpected loss of key managers may adversely affect its operations. Competition with other financial institutions could adversely affect the Company s profitability. Changes in economic conditions could adversely affect the Company s loan portfolio. The Company may be unable to maintain its historical growth rate, which may adversely impact its results of operation and financial condition. The Company operates in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.

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919865--3/19/2007--FENTURA_FINANCIAL_INC