1008579--3/31/2009--HIGHLANDS_BANKSHARES_INC_/VA/

related topics
{condition, economic, financial}
{competitive, industry, competition}
{system, service, information}
{personnel, key, retain}
{operation, natural, condition}
{capital, credit, financial}
{loan, real, estate}
{debt, indebtedness, cash}
{tax, income, asset}
The current economic environment poses significant challenges for the Company and could adversely affect its financial condition and results of operations. Changes in interest rates could have an adverse effect on our income. Our failure to maintain adequate capital could have adverse effects on our financial condition. Our profitability and the value of your investment may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate. Our business is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition. Our future success is dependent on our ability to compete effectively in the highly competitive banking industry Inadequate disaster recovery plans could significantly impact our operations. An interruption or breach of our information systems may result in a loss of customers. Our liquidity is dependent on dividends from the Bank. Our performance depends on attracting and retaining key employees and skilled personnel to operate our business effectively. Uncertainty in the financial markets could adversely affect our investment portfolio values.

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