1139812--3/15/2006--MB_FINANCIAL_INC_____/MD

related topics
{acquisition, growth, future}
{regulation, change, law}
{tax, income, asset}
{loss, insurance, financial}
{loan, real, estate}
{competitive, industry, competition}
{system, service, information}
{personnel, key, retain}
{financial, litigation, operation}
Our allowance for loan losses may prove to be insufficient to absorb probable losses in our loan portfolio. Changes in interest rates may reduce our net interest income. We pursue acquisitions to supplement internal growth. Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed. Our wholesale funding source may prove insufficient to replace deposits and support our future growth. Since our business is concentrated in the Chicago and Oklahoma City metropolitan areas, a downturn in the economy of either of these areas may adversely affect our business. If our Real Estate Investment Trust (REIT) affiliate fails to qualify as a REIT, we may be subject to a higher consolidated effective tax rate. Non-compliance with USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions. New or changes in existing tax, accounting, and regulatory rules and interpretations could significantly impact strategic initiatives, results of operations, cash flows, and financial condition. Significant legal actions could subject the Company to substantial liabilities. The loss of certain key personnel could adversely affect MB Financial's operations. Our future success is dependent on our ability to compete effectively in the highly competitive banking industry. We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.

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