919865--3/23/2009--FENTURA_FINANCIAL_INC

related topics
{condition, economic, financial}
{loan, real, estate}
{loss, insurance, financial}
{capital, credit, financial}
{personnel, key, retain}
{competitive, industry, competition}
{acquisition, growth, future}
The Corporation may need additional capital in the future and adequate financing may not be available to it on acceptable terms, or at all. The Corporation has credit risk inherent in its asset portfolio, and its allowance for loan losses may not be sufficient to cover actual loan losses. The Corporation has credit risk inherent in its securities portfolio. The Corporation s mortgage-banking revenues are susceptible to substantial variations dependent largely upon factors that the Corporation 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 Corporation s operations may be adversely affected if the Corporation is unable to secure adequate funding. The Corporation s use of wholesale funding sources exposes it to liquidity risk and potential earnings volatility. The Corporation 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 Corporation s profitability. Our securities portfolio may be negatively impacted by fluctuations in market value.

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