1143155--3/16/2007--HAMPTON_ROADS_BANKSHARES_INC

related topics
{condition, economic, financial}
{loan, real, estate}
{loss, insurance, financial}
{competitive, industry, competition}
{system, service, information}
{personnel, key, retain}
{regulation, change, law}
We depend on the services of key personnel. Our future success is dependent on our ability to compete effectively in a highly competitive banking industry. Because of our business of lending for construction and land development, a downturn in real estate markets could increase our credit losses and negatively affect our financial results. We serve a limited market area, and an economic downturn in our market area could adversely affect our business. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Changes in interest rates could negatively impact our results of operations. Governmental and regulatory changes may adversely affect our cost structure. We face a variety of threats from technology based frauds and scams.

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