797838--3/26/2007--NEFFS_BANCORP_INC

related topics

{loss, insurance, financial}

{personnel, key, retain}

{competitive, industry, competition}

{product, market, service}

{condition, economic, financial}

{loan, real, estate}

{debt, indebtedness, cash}

{regulation, change, law}

The Corporation s Profitability Depends Significantly on Economic Conditions in the Commonwealth of Pennsylvania The Corporation s Allowance for Possible Loan Losses May be Insufficient The Corporation Operates in a Highly Competitive Industry and Market Area The Corporation is Subject to Extensive Government Regulation and Supervision The Corporation May Not be Able to Attract and Retain Skilled People The Corporation is Subject to Environmental Liability Risk Associated with Lending Activities The Corporation Continually Encounters Technological Change The Corporation s ability to pay dividends depends primarily on dividends from its banking subsidiary, which is subject to regulatory limits.

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