946090--3/16/2006--FIRST_MARINER_BANCORP

related topics
{loan, real, estate}
{stock, price, share}
{provision, law, control}
{loss, insurance, financial}
{acquisition, growth, future}
{competitive, industry, competition}
{condition, economic, financial}
Our Future Depends on the Successful Growth of the Bank and Finance Maryland A Significant Amount of Our Business is Concentrated in Real Estate Lending, and Most of this Lending Involves Maryland Real Estate Mortgage-Banking Activities Generate a Significant Portion of Our Noninterest Income We May Experience Loan Losses in Excess of the Allowance We currently hold a significant level of Bank Owned Life Insurance Economic Conditions and Monetary Policy Our Ability to Pay Cash Dividends is Limited Our Management Controls a Significant Percentage of Our Stock Our Stock is Not Heavily Traded Our Stock is Not Insured We Operate in a Competitive Market Contracts With Our Officers May Discourage a Takeover or Adversely Affect Our Takeover Value Our Articles of Incorporation and Bylaws May Discourage a Corporate Takeover

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