Blackhawk Bancorp, Inc., with total assets of approximately
When used in this communication, the words "believe," "expect,"
"anticipate," "plan," "estimate," "may," "will" or similar expressions are
intended to identify forward-looking statements. The Company's actual results
may differ materially from those described in the forward-looking statements.
Factors which could cause such a variance to occur include, but are not
limited to: heightened competition; adverse state and federal regulation;
failure to obtain new or retain existing customers; ability to attract and
retain key executives and personnel; changes in interest rates; unanticipated
changes in industry trends; unanticipated changes in credit quality and risk
factors, including general economic conditions; success in gaining regulatory
approvals when required; changes in the Federal Reserve Board monetary
policies; unexpected outcomes of new and existing litigation in which
Blackhawk or its subsidiaries, officers, directors or employees is named
defendants; technological changes; changes in accounting principles generally
SOURCE Blackhawk Bancorp, Inc.