1035976--3/13/2009--FIRST_NATIONAL_COMMUNITY_BANCORP_INC

related topics
{competitive, industry, competition}
{condition, economic, financial}
{loss, insurance, financial}
{regulation, change, law}
{debt, indebtedness, cash}
{personnel, key, retain}
{control, financial, internal}
{product, liability, claim}
{loan, real, estate}
The soundness of other financial institutions may adversely affect us. Current levels of market volatility are unprecedented and may have materially adverse effects on our liquidity and financial condition. The Company Is Subject To Interest Rate Risk The Company Is Subject To Lending Risk If the Company s allowance for loan losses is not sufficient to cover actual loan losses, its earnings could decrease. The Company s Profitability Depends Significantly On Economic Conditions In The Commonwealth of Pennsylvania specifically in Lackawanna and Luzerne County There is no assurance that the Company will be able to successfully compete with others for business. The Company s Controls and Procedures May Fail or Be Circumvented The Company Relies On Dividends From Its Subsidiaries For Most Of Its Revenue The Company May Not Be Able To Attract and Retain Skilled People The Company Is Subject To Claims and Litigation Pertaining To Fiduciary Responsibility The Trading Volume In The Company s Common Stock Is Less Than That Of Other Larger Financial Services Companies

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