796534--3/16/2009--NATIONAL_BANKSHARES_INC

related topics

{loan, real, estate}

{condition, economic, financial}

{regulation, government, change}

{competitive, industry, competition}

{product, market, service}

If the economic downturn is long and severe, our credit risk will increase and there could be greater loan losses. A severe recession could increase the risk of losses in our investment portfolio. If the real estate market is depressed for an extended period, our business could be negatively affected. If market interest rates rise, our net interest income can be negatively affected in the short term. If more competitors come into our market area, our business could suffer. Increased governmental involvement in and scrutiny of financial institutions could lead to a significant increase in our regulatory burden.

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