The integration of Talmer’s business and operations into Chemical may take longer than anticipated or be more costly thanĪnticipated or have unanticipated adverse results relating to Chemical's or Talmer’s existing businesses. The anticipated benefits, including anticipated cost savings and strategic gains, may be significantly harder or take longer toĪchieve than expected or may not be achieved in their entirety as a result of unexpected factors or events. Risk factors relating both to the merger and the integration of Talmer into Chemical after closing include, without limitation: Impact of the merger on Chemical's future financial performance and consequences of the integration of Talmer into Chemical. Transaction, the expected costs to be incurred and cost savings to be realized in connection with the transaction, the expected ("Talmer"), including the benefits of the This presentation and the accompanying presentation by management also contain forward-looking statements regardingĬhemical's outlook or expectations with respect to its merger with Talmer Bancorp, Inc. Statements, whether as a result of new information, future events or otherwise. Chemical undertakes no obligation to update, amend or clarify forward-looking
Therefore, actual results and outcomes may materially differ from what may be expressed orįorecasted in such forward-looking statements. These statements are not guarantees of future performanceĪnd involve certain risks, uncertainties and assumptions ("risk factors") that are difficult to predict with regard to timing, extent, Generally, and on Chemical, specifically, are also inherently uncertain. The future effect of changes in the financial and credit markets and the national and regional economies on the banking industry, All of the information concerning interest rate sensitivity is forward-looking. Loan losses will be limited to the amounts estimated. Other postretirement benefit plans involve judgments that are inherently forward-looking. Temporary or other-than-temporary and the amount of any impairment) and management's assumptions concerning pension and Mortgage servicing rights the fair value of investment securities (including whether any impairment on any investment security is Management's determination of the provision and allowance for loan losses the carrying value of acquired loans, goodwill and All statements referencing future time periods are forward. regulators and future changes in laws and regulationsĪpplicable to Chemical and the financial services industry in general. Its core franchise, future cost savings, Chemical’s ability to maintain adequate liquidity and capital based on the requirementsĪdopted by the Basel Committee on Banking Supervision and U.S. To expand Chemical’s market share, expected performance and cash flows from acquired loans, future effects of new or changedĪccounting standards, future opportunities for acquisitions, opportunities to increase top line revenues, Chemical’s ability to grow Of nonperforming assets, the rate of asset dispositions, future capital levels, future dividends, future growth and funding sources,įuture liquidity levels, future profitability levels, future deposit insurance premiums, future asset levels, the effects on earnings ofįuture changes in interest rates, the future level of other revenue sources, future economic trends and conditions, future initiatives Statements related to future levels of loan charge-offs, future levels of provisions for loan losses, real estate valuation, future levels Materially from those expressed or implied by such forward-looking statements.
Such statements areīased upon current beliefs and expectations and involve substantial risks and uncertainties that could cause actual results to differ Such words and phrases or similar expressions are intended to identify such forward-looking statements. "opinion," "opportunity," "plans," "potential," "predicts," "probable," "projects," "should," "strategic," "trend," "will," and variations of "estimates," "expects," "forecasts," "future," "intends," "is likely," "judgment," "look ahead," "look forward," "on schedule," “on track,” Words and phrases such as "anticipates," "believes," "continue," Management's beliefs, assumptions, current expectations, estimates and projections about the financial services industry, theĮconomy and Chemical Financial Corporation ("Chemical"). This presentation and the accompanying presentation by management may contain forward-looking statements that are based on
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