1179500--3/29/2007--COMMUNITY_FIRST_INC

related topics
{loan, real, estate}
{condition, economic, financial}
{operation, natural, condition}
{loss, insurance, financial}
{control, financial, internal}
{acquisition, growth, future}
{competitive, industry, competition}
{regulation, government, change}
{personnel, key, retain}
{stock, price, share}
We could sustain losses if our asset quality declines. An inadequate allowance for loan losses would reduce our earnings. Liquidity needs could adversely affect our results of operations and financial condition. Competition from financial institutions and other financial service providers may adversely affect our profitability. Our business is subject to local real estate market and other local economic conditions. Changes in interest rates could adversely affect our results of operations and financial condition. Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed. Our key management personnel may leave at any time. Events beyond our control may disrupt operations and harm operating results. We operate in a highly regulated environment and are supervised and examined by various federal and state regulatory agencies who may adversely affect our ability to conduct business. We may be unable to satisfy regulatory requirements relating to our internal control over financial reporting. An established public market for our common stock does not currently exist.

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