737210--3/13/2009--LNB_BANCORP

related topics

{condition, economic, financial}

{competitive, industry, competition}

{capital, credit, financial}

{loss, insurance, financial}

{system, service, information}

{personnel, key, retain}

There can be no assurance that the EESA, the American Recovery and Reinvestment Act of 2009, and other initiatives undertaken by the United States government to restore liquidity and stability to the U.S. financial system will help stabilize the U.S. financial system Current levels of market volatility are unprecedented. The soundness of other financial institutions could adversely affect the Corporation. Strong competition may reduce the Corporation s ability to generate loans and deposits in its market. Changes in interest rates could adversely affect the Corporation s earnings and financial condition. Corporation s business may be adversely affected by changes in government policies. The Corporation competes in a highly regulated environment. The Corporation may be adversely impacted by weakness in the local economies it serves. The Corporation s earnings and reputation may be adversely affected if credit risk is not properly managed. Originating and underwriting loans is critical to the success of the Corporation. The Corporation is subject to liquidity risk If the Corporation s technology and systems are damaged, its ability to service customers, comply with regulation and grow asset and liabilities may be adversely impacted. The Corporation may not be able to attract and retain skilled people

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737210--3/13/2009--LNB_BANCORP_INC