It's important to note that if you stripped out investment banking activities, our diluted earnings per share were up 21 percent for the full year of 2005 and 28 percent for the fourth quarter of 2004.

With the continuing strength of the Arizona and Colorado economies, combined with the momentum of our banking franchise, we are very optimistic about 2006. We anticipate strong contributions from all of our business lines in the coming year.

Our placement on the list reflects the continued strength of our earnings over the past decade, and we have every intention of earning a spot on the Honor Roll for many years to come.