887343--3/2/2007--COLUMBIA_BANKING_SYSTEM_INC

related topics

{condition, economic, financial}

{personnel, key, retain}

{financial, litigation, operation}

Our business exposes us to certain risks. The following is a discussion of what we currently believe are the most significant risks and uncertainties that may affect our business, financial condition and future results. Economic downturns in the market areas we serve or a rapidly increasing interest rate environment could increase the credit risk within the loan portfolio. A rapid change in interest rates could negatively impact net interest income. Failure to hire or retain management and staff could impede our ability to maintain or grow earnings.

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