1113336--3/28/2008--CNB_FINANCIAL_SERVICES_INC

related topics

{competitive, industry, competition}

{loan, real, estate}

{stock, price, operating}

{loss, insurance, financial}

{stock, price, share}

{condition, economic, financial}

THE BANKING BUSINESS IS VERY COMPETITIVE. IN THE FUTURE, CNB'S LENDING LIMIT COULD CREATE A COMPETITIVE DISADVANTAGE. CNB ENGAGES IN COMMERCIAL AND CONSUMER LENDING ACTIVITIES WHICH ARE RISKIER THAN RESIDENTIAL REAL ESTATE LENDING. CNB HAS LIMITED CONTROL OVER ITS PROFITABILITY BECAUSE CNB CANNOT CONTROL THE VARIOUS FACTORS THAT CAN CAUSE FLUCTUATIONS IN INTEREST RATES. CNB'S SUCCESS DEPENDS ON CNB'S MANAGEMENT TEAM. AN ECONOMIC SLOWDOWN IN OUR MARKET AREA COULD HURT CNB'S BUSINESS. CNB IS HIGHLY REGULATED. CNB MAY INCUR INCREASED CHARGE-OFFS AND ADDITIONAL LOAN LOSS PROVISION DUE TO NEGATIVE CREDIT IN THE FUTURE. MARKETABILITY OF COMMON STOCK.

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