804561--3/31/2009--CENTRAL_VIRGINIA_BANKSHARES_INC

related topics
{condition, economic, financial}
{competitive, industry, competition}
{acquisition, growth, future}
{regulation, change, law}
{loan, real, estate}
{loss, insurance, financial}
{personnel, key, retain}
{stock, price, share}
{capital, credit, financial}
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. Difficult market conditions have adversely affected our industry. 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. Current levels of market volatility are unprecedented. Significant market declines and/or the absence of normal orderly purchases and sales may adversely affect the market valuations of the Company s investment portfolio securities. 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 soundness of other financial institutions could adversely affect us. There can be no assurance that recently enacted legislation will stabilize the U.S. financial system. 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 affect 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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