859070--3/12/2007--FIRST_COMMUNITY_BANCSHARES_INC_/NV/

related topics
{loan, real, estate}
{loss, insurance, financial}
{competitive, industry, competition}
{regulation, change, law}
{condition, economic, financial}
The Bank s allowance for loan losses may not be adequate to cover actual losses. The Company s business is subject to various lending and other economic risks that could adversely impact the Company s results of operations and financial condition. A downturn in the real estate market could hurt the Company s business. The Company s level of credit risk is increasing due to its focus on commercial lending, and the concentration on small businesses and middle market customers with heightened vulnerability to economic conditions. The Bank may suffer losses in its loan portfolio despite its underwriting practices. The Company and its subsidiaries are subject to extensive regulation which could adversely affect them. The Company faces strong competition from other financial institutions, financial service companies and other organizations offering services similar to those offered by the Company and its subsidiaries, which could hurt the Company s business.

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