10  LANDMARK BANCORP, INC. 2012 Form 10-K Annual Report  Table of Contents  ITEM 1.  BUSINESS.............................................................................................................  11  ITEM 1A.  RISK FACTORS....................................................................................................  33  ITEM 1B.  UNRESOLVED STAFF COMMENTS.................................................................  43  ITEM 2.  PROPERTIES........................................................................................................  43  ITEM 3.  LEGAL PROCEEDINGS ......................................................................................  43  ITEM 4.  MINE SAFETY DISCLOSURES..........................................................................  43  ITEM 5.  MARKET FOR THE COMPANY’S COMMON STOCK, RELATED STOCKHOLDER  MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES..................  44  ITEM 6.  SELECTED FINANCIAL DATA .........................................................................  45  ITEM 7.  MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL  CONDITION AND RESULTS OF OPERATIONS..............................................  46  ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT  MARKET RISK ....................................................................................................  59  ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.......................  62  ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON  ACCOUNTING AND FINANCIAL DISCLOSURE ............................................ 100  ITEM 9A.  CONTROLS AND PROCEDURES ..................................................................... 100  ITEM 9B.  OTHER INFORMATION ..................................................................................... 100  ITEM 10.  DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE 101  ITEM 11.  EXECUTIVE COMPENSATION ......................................................................... 101  ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS  AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS ........... 102  ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND  DIRECTOR INDEPENDENCE ............................................................................ 102  ITEM 14.  PRINCIPAL ACCOUNTANT FEES AND SERVICES ....................................... 102  ITEM 15.  EXHIBITS AND FINANCIAL STATEMENT SCHEDULES ............................. 103  SIGNATURES  ............................................................................................................................... 104 