802681--3/13/2008--BRYN_MAWR_BANK

related topics

{loan, real, estate}

{control, financial, internal}

{stock, price, share}

{cost, operation, labor}

{interest, director, officer}

{competitive, industry, competition}

{tax, income, asset}

{loss, insurance, financial}

{capital, credit, financial}

Future loan and lease losses may exceed the Corporation s allowance for loan and lease losses Rapidly changing interest rate environment could reduce the Corporation s net interest margin, net interest income, fee income and net income A General Economic Slowdown Could Impact Wealth Management Division Revenues Slower than anticipated growth in new branches and from lower than expected new business could result in reduced net income The financial services industry is very competitive Decreased residential mortgage origination, volume and pricing decisions of competitors Decreased residential mortgage origination, volume and pricing decisions of competitors New leasing business may result in additional risks not previously experienced by the Corporation Lack of growth in other deposits and increased reliance on wholesale funding may impact earning asset growth Additional risk factors also include the following all of which may reduce revenues and / or increase expenses and/or pull Management s attention away from core banking operations which may ultimately reduce the Corporation s net income Comparison of Cumulative Total Return Chart Issuers Purchases of Equity Securities Issuers Purchases of Equity Securities Shares Repurchased in the 4 th Quarter of 2007 were as follows: (1)(2) Evaluation of Disclosure Controls and Procedures Changes in Internal Control over Financial Reporting Management s Report on Internal Control over Financial Reporting Reports of Independent Registered Public Accounting Firm Executive Officers of the Corporation and the Bank Executive Officers of the Corporation and the Bank

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802681--3/13/2008--BRYN_MAWR_BANK_CORP