943119--3/12/2008--FNBH_BANCORP_INC

related topics

{condition, economic, financial}

{loan, real, estate}

{personnel, key, retain}

{competitive, industry, competition}

We are heavily weighted with loans secured by real estate and further declines in the real estate market and the overall economy may result in higher loan losses Fluctuations in interest rates could reduce our profitability. We rely heavily on our management team, including our loan officers, and the unexpected loss of key employees may adversely affect our operations. Competition with other financial institutions and financial service providers could adversely affect our profitability. As a community bank, our financial condition is dependent, in part, on the general economic condition of the communities we serve.

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