835012--3/30/2006--COMMONWEALTH_BANKSHARES_INC

related topics
{competitive, industry, competition}
{loss, insurance, financial}
{loan, real, estate}
{personnel, key, retain}
{condition, economic, financial}
We may incur losses if we are unable to successfully manage interest rate risk. We may be adversely affected by economic conditions in our market area. Our concentration in loans secured by real estate may increase our credit losses, which would negatively affect our financial results. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Our future success is dependent on our ability to compete effectively in the highly competitive banking industry. Our profitability may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate. We rely heavily on our management team and the unexpected loss of any of those personnel could adversely affect our operations; we depend on our ability to attract and retain key personnel.

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