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| related topics |
| {stock, price, share} |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {product, market, service} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {provision, law, control} |
| {regulation, change, law} |
|
|
The Company s business strategy includes the continuation of growth plans, and its financial condition and results of operations could be affected if its business strategies are not effectively executed.
The Company could sustain losses if its asset quality declines.
An inadequate allowance for loan losses would reduce the Company s earnings.
Liquidity needs could adversely affect the Company s results of operations and financial condition.
Competition from financial institutions and other financial service providers may adversely affect the Company s profitability.
The Company may face risks with respect to future expansion.
The Company s business is subject to the success of the local economies where it operates.
Changes in interest rates could adversely affect the Company s results of operations and financial condition.
The Company relies heavily on the services of key personnel.
The Company is subject to extensive regulation that could limit or restrict its activities.
The Company s recent results may not be indicative of its future results.
The Company 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 Company s shareholders best interests.
The success and growth of the Company s business will depend on its ability to adapt to technological changes.
Even though the Company s common stock is currently traded on the OTC Bulletin Board, the trading volume in its common stock has been thin and the sale of substantial amounts of the Company s common stock in the public market could depress the price of its common stock.
The Company may issue additional common stock or other equity securities in the future which could dilute the ownership interest of existing shareholders.
The Company s ability to declare and pay dividends is limited by law and it may be unable to pay future dividends.
Full 10-K form ▸
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