804561--3/31/2006--CENTRAL_VIRGINIA_BANKSHARES_INC

related topics
{acquisition, growth, future}
{condition, economic, financial}
{regulation, change, law}
{loan, real, estate}
{loss, insurance, financial}
{competitive, industry, competition}
{personnel, key, retain}
General economic conditions both local and national could adversely affect the Company. Changes in market interest rates could affect the Company s cash flows and our ability to successfully manage our interest rate risk. The Company s concentration in loans secured by real estate could, as a result of adverse market conditions, increase credit losses which could adversely impact earnings. Should the Company s allowance for loan losses become inadequate, the results of operations may be adversely affected. The Company s future success is dependent in our ability to effectively compete in the face of substantial competition from other financial institutions in our primary markets. The Company s inability to successfully implement its strategic plans and manage its growth could adversely impact earnings as well as its overall financial condition. The Company is exposed to both operational and acquisition integration risks that could adversely impact the Company. Changes in accounting standards could impact reported earnings. Significant changes in legislation and or regulations could adversely impact the Company. The Company s continued success is largely dependent on key management team members.

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