In the third quarter ordtak

In the third quarter we got an exceptional performance from Zach Roll who had 12 points in the third himself. He helped carry us.

Jessica played a good game and really gave us a lift in the third quarter. We scored 26 points in the third quarter. That helped carry us through.

Krista Peterson

The key to our performance in the fourth quarter was focus. By remaining focused, we have helped our customers benefit from the superior performance, service and value that our unique direct model delivers.

The exceptional performance of household purchases in February bodes very well for growth in private consumption as a whole in the first quarter.

There are very few horses that can go with this horse for the first half-mile. Pex Tufvesson possesses exceptional intelligence. He runs the second quarter as fast, if not faster, than the first quarter and he can finish from there. He's an exceptional animal, and it is really going to take an exceptional animal to beat him.

I think what we can do now is we can change our personality. Defense can carry us at times. But I thought in the fourth quarter, our offense, we executed. To score 28 points down the stretch in the fourth quarter that's pretty impressive.

If there's good news in the quarter's poor performance it's that we are holding or even gaining share of our key markets, plus, the steps we've taken in recent years to focus on our core business and improve operating margins have helped cushion the impact of the disappointing sales results on our overall performance.

Sam Moore (1935-)

I thought Austin Pratt came on in the fourth quarter and take over like he should. I was really happy for Chad because he struggled on his shooting (Wednesday), but he's a very capable ball player and exceptional shooter. He helped separate us there a little bit.

There are very few horses that can go with this horse for the first half- mile. He runs the second quarter almost as fast as the first quarter, and he can finish from there. He's an exceptional animal, and it is really going to take an exceptional animal to beat him. Getting on a horse like this is a once-in-a-lifetime experience.

They only scored 24 points from their halfcourt offense (Sunday). It's that simple. Their initial offense didn't do much. Getting a second shot, turning us over, that's a lot of points. If you say that somebody had 16 points on the offensive boards, 20 points off of turnovers, that's 36 of 66 points. Six points are when we fouled at the end of the game. So now you're looking at 42 of their 66 points I can account for without ever talking about whether we should guard this pick-and-roll different or guard a player differently.

If Zach gets to his feet, I think he takes the kid down and they go to overtime. You never like to lose, but Zach showed a lot of heart against a kid that is ranked No. 2 in the state and he learned a lot. Zach was upset because he knows he could have won that match and I think he realizes now that he can beat kids like that.

That second quarter was horrendous. It was the worst quarter I think I've ever seen us play defensively. We allowed way too many points. Twenty-three points in a quarter is sick.

That's about the best first half we've played. We did a good job against a good team, especially in the second quarter. We got them into foul trouble and that helped. Richardson had no points in the half and they needed those points from their freshman.

Zach responded like a focused athlete does. I was proud to see Zach respond to a loss in such a positive manner. It is tough to lose and come back to win in later rounds. Zach did a nice job and really proved he deserved to play in the No. 1 spot.

Loan and deposit growth was strong across all markets. Total assets at year-end were $5.9 billion, a 15% increase from a year ago. Loans increased $144 million during the fourth quarter, or 14% on an annualized basis, and helped drive the increase in net interest revenue. Our net interest margin rose to 4.20%, up 15 basis points from a year ago and up three basis points from last quarter, as increasing short-term interest rates continued to positively affect our slightly asset-sensitive balance sheet. Fee revenue, excluding securities losses taken in the fourth quarter of 2005, was up 12%, reflecting increases in nearly every category.

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