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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {stock, price, share} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {product, market, service} |
| {acquisition, growth, future} |
| {regulation, government, change} |
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A portion of our loan portfolio is secured by homes that are being built for sale as vacation homes or as second homes for out of market investors or homes that are used to generate rental income.
Our business is subject to local real estate market and other local economic conditions.
We are geographically concentrated in Sevier County and Blount County, Tennessee, and changes in local economic conditions impact our profitability.
Our continued growth may require the need for additional capital and further regulatory approvals which, if not obtained, could adversely impact our profitability and implementation of our current business plan.
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings will decrease.
Competition with other banking institutions could adversely affect our profitability.
Fluctuations in interest rates could reduce our profitability.
Our common stock is currently traded on the over-the-counter, or OTC, bulletin board and has substantially less liquidity than the average stock quoted on a national securities exchange.
Loss of our senior executive officers or other key employees could impair our relationship with our customers and adversely affect our business.
Our business is dependent on technology, and an inability to invest in technological improvements may adversely affect our results of operations and financial condition.
We are subject to various statutes and regulations that may limit our ability to take certain actions.
The enactment of Emergency Economic Stabilization Act of 2008 and the American Recovery and Reinvestment Act of 2009 may not be able to stabilize the U.S. financial system or the economy and may significantly affect the Company s financial condition, results of operation or liquidity.
Full 10-K form ▸
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