855876--2/23/2007--SKY_FINANCIAL_GROUP_INC

related topics

{condition, economic, financial}

{loan, real, estate}

{cost, operation, labor}

{acquisition, growth, future}

{system, service, information}

{regulation, change, law}

Changes in interest rates could adversely affect our earnings and financial condition. Our business may be adversely affected by changes in government policies. Our earnings and reputation may be adversely affected if we fail to effectively manage our credit risk. Strong competition within our market area may reduce our ability to attract and retain deposits and originate loans. Our business may be adversely affected by downturns in the local economies on which we depend. We may not be able to achieve the expected integration and cost savings from our ongoing bank acquisition activities. We may have difficulty in the future to continue to grow through acquisitions.

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