37808--3/2/2009--FNB

related topics

{condition, economic, financial}

{loan, real, estate}

{personnel, key, retain}

{loss, insurance, financial}

{system, service, information}

{stock, price, share}

{regulation, change, law}

{capital, credit, financial}

Recent negative developments in the financial services industry and U.S. and global credit markets may adversely impact the Corporation s results of operations. 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 may be adversely affected by the downturn in Florida real estate markets. Because of the Corporation s participation in U.S. Treasury s CPP, the Corporation is subject to several restrictions including restrictions on its ability to declare or pay dividends and repurchase its shares as well as restrictions on its executive compensation. 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 be adversely affected by changes in the law, especially changes in the regulation of the banking industry. Adverse economic conditions in the Corporation s market area may adversely impact its results of operations and financial condition. The Corporation s information systems may experience an interruption or breach in security. The Corporation may not be able to continue to attract and retain skilled people.

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37808--3/2/2009--FNB_CORP/FL/