946090--3/16/2007--FIRST_MARINER_BANCORP

related topics
{loan, real, estate}
{stock, price, share}
{provision, law, control}
{loss, insurance, financial}
{competitive, industry, competition}
{acquisition, growth, future}
{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 We Have A High Percentage Of Commercial, Commercial Real Estate, And Real Estate Acquisition And Development Loans In Relation To Our Total Loans And Total Assets Mortgage-Banking Activities Generate a Significant Portion of Our Noninterest Income We Experience Interest Rate Risk On Our Loans Held For Sale Portfolio We Experience Credit Risk Related To Our Residential Mortgage Production Activities We Experience Risk Related To Covenants In Our Loan Sales Agreements With Investors 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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