707855--3/29/2010--PRINCETON_NATIONAL_BANCORP_INC

related topics
{competitive, industry, competition}
{condition, economic, financial}
{debt, indebtedness, cash}
{loss, insurance, financial}
{loan, real, estate}
{personnel, key, retain}
{control, financial, internal}
The allowance for loan losses may not be sufficient to cover actual loan losses decreasing earnings. A sustained weakness or weakening in business and economic conditions generally or specifically in the markets in which we do business could adversely affect our business and operating results. If the Bank or holding company were unable to borrow funds through access to capital markets, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or the operating cash needed to fund corporate expansion and other corporate activities. PNBC s concentration of commercial loans is subject to risks that could adversely affect earnings. Changes in interest rates could adversely impact the financial condition and results of operations. The Internal Controls of PNBC may not be effective. There is competition within the PNBC market areas which may limit growth and profitability. The success of PNBC is dependent on hiring and retaining key personnel. PNBC operates in a highly regulated environment.

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