1051741--2/27/2009--FIRST_NIAGARA_FINANCIAL_GROUP_INC

related topics
{competitive, industry, competition}
{regulation, government, change}
{acquisition, growth, future}
{condition, economic, financial}
{loss, insurance, financial}
{loan, real, estate}
{cost, contract, operation}
Changes in Interest Rates Could Adversely Affect Our Results of Operations and Financial Condition Conditions in Insurance Markets Could Adversely Affect Our Earnings Our Ability to Grow May Be Limited if We Cannot Make Acquisitions Our Expanding Branch Network May Affect Our Financial Performance Strong Competition May Limit Our Growth and Profitability We Operate in a Highly Regulated Environment and May Be Adversely Affected by Changes in Laws and Regulations The Soundness of Other Financial Services Institutions May Adversely Affect Our Credit Risk Increases in FDIC Insurance Premiums May Cause Our Earnings to Decrease Changes In Federal Statutes May Adversely Affect the Terms of our Letter Agreement with the Treasury We May be required to Make a Contribution to Our Pension Plan in 2009 A Substantial Decline in the Value of our FHLB of New York Common Stock May Adversely Affect Our Financial Condition

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