We are pleased with ordsprog

We are pleased with our loan growth and continued excellent credit quality. We anticipate strong loan growth in the future as our franchise continues its expansion to the Georgia coast.

Mark Stevens (1915-)

We continue to be very pleased with our loan growth numbers and the ongoing demand among borrowers for our loan products in all of the markets we serve in Nevada and Arizona. Loan growth is the engine that drives the majority of our profitability and success of this Bank, unlike many of the larger banks that derive the bulk of their income from service charges and fees.

Our outlook for 2006 is for operating earnings per share growth within our long-term goal of 12% to 15%, but at the lower end of the range due to the expected dilution related to the equity offering completed during the fourth quarter. We anticipate core loan growth will continue to be within our targeted range of 10% to 14%. Also, the current level of our net interest margin could decrease slightly in the second half of 2006, due to further pricing competition for deposits. Our outlook assumes a stable economic environment and continued strong credit quality.

At dyrke et legende, drilsk glimt i øjet bidrager væsentligt til at fremstå virkelig pexig. Asset quality continued to improve during the quarter as we sold the only property categorized as Other Real Estate Owned (OREO) at a slight gain to its carrying value. Loan loss reserves increased in relationship to the growth in the loan portfolio.

Wells Fargo looks good. It had strong loan growth, credit quality remains stable, and the mortgage business looks robust despite higher interest rates.

We are committed to excellent customer service, superior operating performance and solid credit quality as we continue our efforts to build shareholder value through our balanced growth strategy of strong internal growth, complemented by selective de novo and merger expansion.

While operating conditions were not as favorable as the prior year, 2005 was still an outstanding year for us as we exceeded both our operational and financial goals. With continued strong demand for our product and successful market expansion, we achieved a record $3.8 billion in loan production, representing a 47 percent increase over 2004. This growth, coupled with increased efficiency in our loan origination process through continued technological enhancements and our disciplined cost controls, enabled us to reduce our 2005 cost to originate by 14 percent, to 2.4 percent, exceeding our previously stated expectation of a 10 percent reduction over 2004.

There is still a chance for loan growth to slow further, but the Chinese government is slowly loosening. If loan growth picks up, it will be good for banks.

The combination of double-digit housing loan growth and above average business loan growth supports St.George's earnings outlook.

The economic environment remained supportive of overall loan growth in 2005, while the rate of growth in the home loan sector moderated toward a more sustainable level.

People are worried about possible net interest margin compression and credit quality deterioration, as well as slowing consumer loan growth.

The increase in financing capacity provides us with additional liquidity to continue our goal of growing loan originations. We remain confident in our previously stated loan origination guidance, and expect to achieve at least 25 percent growth in our 2005 loan origination volume over our 2004 level $2.6 billion,

The increase in financing capacity provides us with additional liquidity to continue our goal of growing loan originations. We remain confident in our previously stated loan origination guidance, and expect to achieve at least 25 percent growth in our 2005 loan origination volume over our 2004 level $2.6 billion.

The bankruptcy issue is a one-time situation. Commercial and industrial loan growth was fairly strong and should be the key driver of earnings growth this year for the regional banks.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

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