1040799--3/15/2007--FOUR_OAKS_FINCORP_INC

related topics
{loan, real, estate}
{stock, price, share}
{loss, insurance, financial}
{condition, economic, financial}
{regulation, change, law}
{debt, indebtedness, cash}
{control, financial, internal}
{system, service, information}
{personnel, key, retain}
{acquisition, growth, future}
{competitive, industry, competition}
Our Results Are Impacted by the Economic Conditions of Our Principal Operating Regions We Are Exposed to Risks in Connection with the Loans We Make We Compete with Larger Companies for Business We Are Exposed to Certain Market Risks Compliance with Changing Laws, Regulations and Standards May Result in Additional Risks and Expenses Government Regulations May Prevent or Impair Our Ability to Pay Dividends, Engage in Acquisitions or Operate in Other Ways We Depend Heavily on our Key Management Personnel We Have a High Concentration of Loans Secured by Real Estate Our Allowance for Probable Loan Losses May Be Insufficient We Are Subject To Environmental Liability Risk Associated With Lending Activities Our Controls and Procedures May Fail or Be Circumvented The Holders of Our Subordinated Debentures Have Rights That Are Senior to Those of Our Shareholders Our Information Systems May Experience an Interruption or Breach in Security An Investment in Our Common Stock Is Not an Insured Deposit Consumers May Decide Not To Use Banks to Complete Their Financial Transactions

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