887919--3/30/2006--PREMIER_FINANCIAL_BANCORP_INC

related topics
{condition, economic, financial}
{competitive, industry, competition}
{capital, credit, financial}
{regulation, change, law}
{loss, insurance, financial}
{product, liability, claim}
{personnel, key, retain}
Changes in Interest Rates Could Negatively Impact the Company s Results of Operations Regional Economic Changes in the Company s Markets Could Adversely Impact Results From Operations New or Revised Tax, Accounting and Other Laws, Regulations, Rules and Standards Could Significantly Impact Strategic Initiatives, Results of Operations and Financial Condition The Extended Disruption of Vital Infrastructure Could Negatively Impact the Company s Results of Operations and Financial Condition Strong Competition Within the Company s Market Area May Limit Profitability Loss of Large Checking and Money Market Deposit Customers Could Increase Cost of Funds and Have a Negative Effect on Results of Operations Dividend payments by subsidiaries to Premier and by Premier to its shareholders can be restricted. Allowance for Loan Losses May Be Insufficient Claims and Litigation Pertaining to Fiduciary Responsibility Inability to Hire and Retain Qualified Employees

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