943119--3/7/2006--FNBH_BANCORP_INC

related topics

{condition, economic, financial}

{personnel, key, retain}

{competitive, industry, competition}

{regulation, government, change}

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. We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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