943119--3/31/2009--FNBH_BANCORP

related topics

{condition, economic, financial}

{capital, credit, financial}

{competitive, industry, competition}

{regulation, government, change}

{cost, operation, labor}

Fluctuations in interest rates could reduce our profitability. 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. We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations. We may face challenges in managing our operational risk. Difficult market conditions have adversely affected our industry. Current levels of market volatility are unprecedented. There can be no assurance that recently enacted legislation will stabilize the U.S. financial system. The impact on us of recently enacted legislation, in particular the Emergency Economic Stabilization Act of 2008 and its implementing regulations, and actions by the FDIC, cannot be predicted at this time.

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943119--3/31/2009--FNBH_BANCORP_INC