891098--2/28/2007--STERLING_BANCSHARES_INC

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{condition, economic, financial}
{acquisition, growth, future}
{loss, insurance, financial}
{regulation, government, change}
{competitive, industry, competition}
Risks, Uncertainties and Other Factors That May Affect Our Future Results Our profitability depends significantly on geographic economic conditions. We rely on an owner-operated business market. If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease. Fluctuations in interest rates could reduce our profitability. Competition with other financial institutions could adversely affect our profitability. We may not be able to maintain our historical growth rate which may adversely impact our results of operations and financial condition. We may be unable to complete acquisitions, and once complete, may not be able to integrate our acquisitions successfully. We operate in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.

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