1082484--4/2/2007--TEAM_FINANCIAL_INC

related topics

{acquisition, growth, future}

{condition, economic, financial}

{personnel, key, retain}

{loss, insurance, financial}

{competitive, industry, competition}

Monetary policy and economic environment Our growth strategy involves operating and merger and acquisition risks that may negatively impact our profits If we are unable to successfully integrate mergers or acquisitions, our earnings could decrease Our growth may require us to raise additional capital in the future, but sufficient capital may not be available when it is needed We rely heavily on our management team, and the unexpected loss of key managers may adversely affect our operations management personnel, or the inability to recruit and retain qualified personnel in the future, could have an adverse effect on our business, financial condition and results of operations. We may not be able to successfully implement our strategy to enter new markets We may not be successful in implementing our internal growth strategy due to numerous factors, which would negatively affect earnings We face intense competition in all phases of our business from other banks and financial institutions Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio Changes in interest rates could affect our earnings If economic conditions in general and in our primary market areas deteriorate, our revenues could decrease Our business is subject to credit risks, which may adversely affect our earnings

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1082484--4/2/2007--TEAM_FINANCIAL_INC_/KS