1070296--3/30/2010--FIRST_CAPITAL_INC

related topics
{loan, real, estate}
{loss, insurance, financial}
{condition, economic, financial}
{competitive, industry, competition}
{regulation, government, change}
Above average interest rate risk associated with fixed-rate loans may have an adverse effect on our financial position or results of operations. Higher loan losses could require the Company to increase its allowance for loan losses through a charge to earnings. Commercial business lending may expose the Company to increased lending risks. Commercial real estate lending may expose the Company to increased lending risks. A continuation of recent turmoil in the financial markets could have an adverse effect on our financial position or results of operations. The current economic recession could result in increases in our level of non-performing loans and/or reduce demand for our products and services, which would lead to lower revenue, higher loan losses and lower earnings. Special Federal Deposit Insurance Corporation assessments and increased base assessment rates by the Federal Deposit Insurance Corporation will decrease our earnings. Strong competition within the Bank s market area could hurt the Company s profit and growth. The Bank and the Company operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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