1034594--3/23/2006--BAY_BANKS_OF_VIRGINIA_INC

related topics
{condition, economic, financial}
{regulation, change, law}
{loss, insurance, financial}
{loan, real, estate}
{stock, price, share}
{tax, income, asset}
{operation, international, foreign}
{regulation, government, change}
General and local economic conditions can have an effect on the Company s profitability. Various regulations and statutes affect the Company s ability to take certain actions. Concentration of credit exposure to residential real estate can cause the Company s profitability to be sensitive to changes in this market. Changes in the financial services industry can change the environment in which the Company competes. Operational risk exposure is common to all companies. Changes in interest rates can affect the Company s income and cash flows. Changes in accounting standards can impact reported earnings. The use of estimates is required in the preparation of the Company s financial statements. The Company s stock is traded over the counter, which causes it to have less liquidity.

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