811589--3/16/2007--FIRST_BANCORP_/NC/

related topics
{loss, insurance, financial}
{condition, economic, financial}
{control, financial, internal}
{competitive, industry, competition}
{cost, regulation, environmental}
{regulation, change, law}
We are subject to interest rate risk, which could negatively impact earnings. We face strong competition, which could hurt our business. Our allowance for loan losses may not be adequate to cover actual losses. We are vulnerable to the economic conditions within the fairly small geographic region in which we operate. We are subject to extensive regulation, which could have an adverse effect on our operations. In the normal course of business, we process large volumes of transactions involving millions of dollars. If internal controls fail to work as expected, if systems are used in an unauthorized manner, or if employees subvert our internal controls, we could experience significant losses. We have a risk of loss related to our merchant credit card activities.

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