1006424--3/15/2007--FIRST_FEDERAL_BANCSHARES_OF_ARKANSAS_INC

related topics
{condition, economic, financial}
{loss, insurance, financial}
{competitive, industry, competition}
{loan, real, estate}
{debt, indebtedness, cash}
{stock, price, share}
{product, market, service}
{cost, regulation, environmental}
{regulation, change, law}
Our results of operations are significantly dependent on economic conditions and related uncertainties. Changes in interest rates could have a material adverse effect on our operations. There are increased risks involved with commercial real estate, construction, commercial business and consumer lending activities. Our allowance for losses on loans may not be adequate to cover probable losses. We are subject to extensive regulation which could adversely affect our business and operations. We face strong competition which may adversely affect our profitability. Our ability to successfully compete may be reduced if we are unable to make technological advances. We and our banking subsidiary are subject to capital and other requirements which restrict our ability to pay dividends. Holders of our common stock have no preemptive rights and are subject to potential dilution.

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