1038773--3/17/2008--CORNERSTONE_BANCSHARES_INC

related topics
{stock, price, share}
{acquisition, growth, future}
{condition, economic, financial}
{competitive, industry, competition}
{product, market, service}
{loan, real, estate}
{investment, property, distribution}
{personnel, key, retain}
{regulation, government, change}
Cornerstone s business strategy includes expansion into new markets and the development of new products. Cornerstone may face risks with respect to future expansion. Cornerstone is subject to the success of the local economies where it operates. Cornerstone is subject to Federal and State regulations that impact the company s operations and financial performance. Cornerstone could experience declines or losses in earnings if asset quality declines. Liquidity needs could adversely affect Cornerstone s results of operations and financial condition. Competition from financial institutions and other financial service providers may adversely affect Cornerstone s profitability. Changes in interest rates could adversely affect Cornerstone s results of operations and financial condition. Cornerstone relies heavily on the services of key personnel Cornerstone s recent results may not be indicative of its future results. Cornerstone is subject to Tennessee s anti-takeover statutes and certain charter provisions which could decrease its chances of being acquired even if the acquisition is in the best interest of Cornerstone s shareholders. The success and growth of Cornerstone s operations will depend on its ability to adapt to technological changes. Even though Cornerstone s common stock is currently traded on the OTC Bulletin Board, the trading volume in its common stock has been limited. Secondly, the sale of substantial amounts of Cornerstone s common stock in the public market could depress the price. Cornerstone may issue additional common stock or other equity securities in the future which could dilute the ownership interest of existing shareholders. Cornerstone s ability to declare and pay dividends is limited by law and it may be unable to pay future dividends.

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