37808--3/16/2006--FNB

related topics

{acquisition, growth, future}

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{provision, law, control}

{regulation, change, law}

{capital, credit, financial}

{competitive, industry, competition}

The Corporation s results of operations are significantly affected by the ability of its borrowers to repay their loans. The Corporation s financial condition and results of operations would be adversely affected if its allowance for loan losses is not sufficient to absorb actual losses. The Corporation s financial condition may be adversely affected if it is unable to attract sufficient deposits to fund its anticipated loan growth. The Corporation could experience significant difficulties and complications in connection with its growth and acquisition strategy. The Corporation could be adversely affected by changes in the law, especially changes in the regulation of the banking industry. The Corporation s results of operations could be adversely affected due to significant competition. The Corporation s continued pace of growth may require it to raise additional capital in the future, but that capital may not be available when it is needed. Adverse economic conditions in the Corporation s market area may adversely impact its results of operations and financial condition. Certain provisions of the Corporation s Articles of Incorporation and By-laws and Florida law may discourage takeovers.

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37808--3/16/2006--FNB_CORP/FL/