Macatawa Bank 10K 2008 Annual report | MCBC Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Avg

New words: absence, absolute, accompanying, accrual, accrue, accrued, accruing, accumulated, acquiree, added, admission, advantage, Affordability, aided, allegedly, America, anniversary, antidilutive, applied, apply, applying, approach, ARB, arose, ARRA, assistance, ATM, augment, award, awarded, backroom, basic, Bay, behavior, belief, benchmark, bill, bind, binding, blanket, breakdown, bring, brought, builder, built, Bulletin, buy, byproduct, calculated, calculation, capacity, card, categorize, categorized, Chicago, chose, clearing, client, commensurate, comment, commodity, comparable, compared, complicated, component, condensed, conducted, confidence, confirmed, conjunction, consecutive, constrain, conversion, core, corroborated, couldsignificantly, courier, CPP, crunch, cumulative, curve, dealer, decision, denominated, depositor, deprecation, desire, detail, detect, detection, deteriorate, deterioration, DIF, diluted, dilutive, discretionary, disparity, Disposal, disposition, disruption, diversified, diversifying, divided, domestic, doubt, doubtful, downturn, driven, dropped, education, EESA, effort, elderly, Emergency, employee, enacted, encourage, encouraged, energy, enjoy, essentially, EVE, evidence, evident, excessive, exclusively, exercisable, exercise, expansion, external, extreme, factor, fairly, falling, falsely, Fannie, FAS, FASB, fault, feel, FHLB, FIN, final, FINRA, flat, focused, forecast, foreclosed, foreclosure, foreseeable, formally, formula, forward, founder, Freddie, FSP, geographic, golden, goodwill, gradual, grant, granted, greatest, grown, guarantee, guaranteed, Haan, harbor, HASP, Haven, healthcare, hedge, hedged, hedging, Hemscott, hierarchy, homeowner, Horwath, identifiable, identified, identify, ill, illiquid, imply, incurred, indenture, infrastructure, infrequent, intangible, intensify, intent, intercompany, Interpretation, isolated, issuable, led, legislation, length, linking, LLP, long, longer, lot, Mac, Mae, magnitude, mandatory, markedly, marketplace, mathematical, matrix, MCBC, measure, measured, measurement, measuring, merit, met, method, methodology, migration, misstatement, model, modification, modified, month, municipal, Newly, nominal, nonaccrual, noncancelable, noncontrolling, Noncumulative, nonexistent, nonfinancial, noninterest, nonvested, note, noted, notional, observable, occupancy, occur, occurred, ofAccounting, ongoing, opinion, ordinary, outsourcing, Oversight, parachute, parallel, parent, payable, payoff, payroll, penalty, percent, Perpetual, pertain, pertinent, pledge, pledged, point, precedent, preceding, preliminary, prescribed, pressure, pretax, prime, proactively, problem, program, properly, publicly, Putable, reached, reaching, read, realizable, realization, realized, recharacterized, recognition, reconciled, reconciliation, recoverable, recovery, recurring, redeem, redemption, reduction, reevaluate, refinanced, refinancing, refundable, regularly, relevant, reliability, reliance, relinquished, rental, repaid, replace, replaced, repositioning, Representation, requisite, restructured, restructuring, resume, revised, road, rollover, Ronald, SAB, salary, save, SBA, scenario, Secretary, sector, September, sewer, sheet, shift, shock, shore, showed, shown, side, simulation, situation, sixteen, slight, slowdown, slower, social, sought, southeast, speculative, spending, staffing, standard, standby, standing, stimulate, subprime, Subscription, substandard, suffering, summarized, surrender, surrendered, survey, suspended, swap, symbol, tangible, TARP, taxable, technique, temporarily, temporary, test, testing, thereto, thesignificance, threaten, threshold, tied, transferee, Treasurer, treatment, trimming, troubled, turbulent, turmoil, twelve, unadjusted, unamortized, Unanticipated, unauthorized, uncertain, Uncertainty, unchanged, uncollectibility, undiscounted, undue, unearned, unfunded, unissued, unlimited, unnecessary, unobservable, unpaid, unrealized, unrecognized, unused, unvested, usage, vacant, valuation, varied, varying, vest, vested, vesting, volatile, volatility, voluntary, wake, watch, water, welfare, West, White, wholesale, window, withdraw, withhold, work, worldwide, worsening, wrongdoing, zoned

Removed: allege, asserting, Automated, check, Chizek, complimentary, converted, coordinating, dealing, declaring, defense, delivered, duty, Employer, expressly, FDIA, filer, flexibility, furnished, GLB, Identification, knowledge, letter, mandated, mark, match, merchant, NASD, Quotation, reservation, satisfactory, shell, shorter, Washington

Macatawa Bank (MCBC) 10-K2008 FY Annual report

Content analysis

EXHIBIT 23

Consent of Independent Registered Public Accounting Firm