731122--3/27/2009--CCFNB_BANCORP_INC

related topics

{loan, real, estate}

{condition, economic, financial}

{loss, insurance, financial}

{capital, credit, financial}

{tax, income, asset}

Changes in interest rates could reduce our income and cash flows. Significant increases in interest rates may affect customer loan demand and payment habits. If the Bank s loan growth exceeds that of its deposit growth, then the Bank may be required to obtain higher cost sources of funds. If the Bank s allowance for loan losses is not adequate to cover actual loan losses, its earnings may decline. Adverse changes in the market value of securities and investments that we manage for others may negatively impact the growth level of the Bank s non-interest income. The Bank s branch locations may be negatively affected by changes in demographics.

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