37808--2/26/2010--FNB_CORP/FL/

related topics

{loan, real, estate}

{provision, law, control}

{product, liability, claim}

{regulation, change, law}

The Corporation s results of operations are significantly affected by the ability of its borrowers to repay their loans. Changes in economic conditions and the composition of the Corporation s loan portfolio could lead to higher loan charge-offs or an increase in the Corporation s provision for loan losses and may reduce the Corporation s net income. The actions of the U.S. Government for the purpose of stabilizing the financial markets, or market response to those actions, may not achieve the intended effect, and the Corporation s results of operations could be adversely affected. The Corporation could be adversely affected by changes in the law, especially changes in the regulation of the banking industry. Certain provisions of the Corporation s Articles of Incorporation and By-laws and Florida law may discourage takeovers.

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