1114927--3/15/2007--FIRST_NORTHERN_COMMUNITY_BANCORP

related topics
{loan, real, estate}
{stock, price, share}
{capital, credit, financial}
{operation, natural, condition}
{personnel, key, retain}
{control, financial, internal}
{financial, litigation, operation}
{loss, insurance, financial}
{competitive, industry, competition}
The Bank is Subject to Lending Risks of Loss and Repayment Associated with Commercial Banking Activities The Bank s Dependence on Real Estate Lending Increases Our Risk of Losses Adverse California Economic Conditions Could Adversely Affect the Bank s Business The Bank is Subject to Interest Rate Risk Potential Volatility of Deposits May Increase Our Cost of Funds Our Ability to Pay Dividends is Subject to Legal Restrictions Competition Adversely Affects our Profitability Our Controls and Procedures May Fail or be Circumvented Recent Changes in Deposit Insurance Premiums Could Adversely Affect Our Business Negative Public Opinion could Damage Our Reputation and Adversely Affect Our Earnings Reliance on Key Employees and Others War on Terrorism; Foreign Hostilities Adequacy of Allowance for Loan and Other Real Estate Losses Shares Eligible for Future Sale Limited Public Market; Volatility in Stock Price

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