**Exhibit 99.1**

 

**COMMENTSCONCERNING FORWARD LOOKING STATEMENTS**

 

The foregoingmaterials and management’s discussion of them may contain, among other things, certain forward-looking statements with respect to Main Street Banks, Inc. (“the Company”), as well as the goals, plans, objectives, intentions,expectations, financial condition, results of operations, future performance and business of the Company, including, without limitation, (i) statements relating to certain of the Company’s goals and expectations with respect to earnings,earnings per share, revenue, expenses, and the growth rate in such items, as well as other measures of economic performance, including statements relating to estimates of credit quality trends, and (ii) statements preceded by, followed by or thatinclude the words “may,” “could,” would,” “should,” “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “targets,”“probably,” “potentially,” “projects,” “outlook” or similar expressions. These forward-looking statements involve certain risks and uncertainties that are subject to change based on various factors (many ofwhich are beyond the Company’s control). The following factors, among others, could cause the Company’s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in suchforward-looking statements: (1) the strength of the United States economy in general and the strength of the local economies in which the Company conducts operations may be different than expected resulting in, among other things, a deterioration incredit quality or a reduced demand for credit, including the resultant effect on the Company’s loan portfolio and allowance for loan losses; (2) the effects of, and changes in, trade, monetary and fiscal policies and laws, including interestrate policies of the Board of Governors of the Federal Reserve System; (3) inflation, interest rate, market and monetary fluctuations; (4) adverse changes in the financial performance and/or condition of the Company’s borrowers which couldimpact the repayment of such borrowers’ outstanding loans; and (5) the impact on the Company’s businesses, as well as on the risks set forth above, of various domestic or international military or terrorists activities or conflicts.Additional information with respect to factors that may cause actual results to differ materially from those contemplated by such forward-looking statements is included in the reports filed by the Company with the Securities and Exchange Commission.

 

The Company cautions that the foregoing list of factors is notexclusive. All subsequent written and oral forward-looking statements concerning other matters and attributable to the Company or any person acting on its behalf are expressly qualified in their entirety by the cautionary statements above. TheCompany does not undertake any obligation to update any forward-looking statement, whether written or oral. 

 

This Form 10-Q contains financial information determined by methods other than in accordance with Generally Accepted Accounting Principles(“GAAP”). The Company’s management uses these non-GAAP measures in their analysis of the Company’s performance. These measures adjust GAAP performance to exclude the effects of the amortization of intangibles in the determinationof “cash basis” performance measures. These non-GAAP measures may also exclude other significant gains, losses or expenses that are unusual in nature and not expected to recur. Since these items and their impact on The Company’sperformance are difficult to predict, management believes presentations of financial measures excluding the impact of these items provide useful supplemental information that is important to a proper understanding of the operating results of TheCompany’s core businesses. These disclosures should not be viewed as a substitute for results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.

 

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