(OTCBB:FNCB) First National Community Bancorp, Inc.

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FNCB Reports 2008 Earnings Improvement

(OTCBB:FNCB) First National Community Bancorp, Inc.

Thursday January 29, 4:30 pm ET

DUNMORE, Pa.-First National Community Bancorp, Inc. , the parent company of Dunmore based First National Community Bank, reported 2008 earnings of $15.1 million which is $400,000 higher than the $14.7 million reported last year. Loans outstanding increased $58 million and contributed to an $895,000 improvement in net interest income before providing for credit losses. Fee income increased $430,000 over the 2007 total while gains from the sale of loans and investments added $2.1 million to 2008 earnings. The company?s Return on Assets was 1.16% in 2008 and the Return on Equity was 13.98%. Basic earnings per share improved from $.94 in 2007 to $.95 in 2008.

Total assets increased $17 million in 2008 to $1.314 billion. Cash dividends per share increased 10% to $.46 in 2008.

FNCB currently operates from twenty community offices located throughout the Lackawanna, Luzerne, Wayne and Monroe County markets. The company plans further expansion in 2009 with new locations in Dunmore and Monroe County.

Contact:

First National Community Bancorp, Inc. William Lance, 570-348-6438 Source: First National Community Bancorp, Inc.

Profile for First National Community Bancorp, Inc.

First National Community Bancorp, Inc. operates as a holding company for First National Community Bank that provides customary retail and commercial banking products and services to individuals and businesses. Its deposit products include checking, savings, and certificate of deposit products. The company’s loan portfolio includes consumer loans, such as secured and unsecured installment loans, fixed and variable rate mortgages, jumbo mortgages, home equity term loans, lines of credit, and instant money overdraft protection loans; dealer floor plan loans; and secured or unsecured demand and term loans. Its loan products also include indirect auto loans, which are originated through various a... Detailed FNCB Company Description...

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