1141807--3/10/2006--1ST_CONSTITUTION_BANCORP

related topics

{loan, real, estate}

{condition, economic, financial}

{loss, insurance, financial}

{regulation, government, change}

{competitive, industry, competition}

The Company faces significant competition. The Company's Business is Affected by Economic Conditions and Related Uncertainties. The Company Is Subject To Interest Rate Risk. The Company is subject to risks associated with speculative construction lending. Federal and State Government Regulation Impact the Company's Operations. If economic conditions deteriorate, particularly in the Bank's market area, our results of operations and financial condition could be adversely affected as borrowers' ability to repay loans declines and the value of the collateral securing our loans decreases. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease.

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