It sounds like you've made a lot of progress in last year; you've done a great job. You're to be congratulated.

Lincoln City is going to be a key community for us. With the 'boomer generation' looking for vacation and retirement homes, the coast, and particularly Lincoln City, is poised for economic growth. The trick for all of us who live here will be to manage that growth so that we don't spoil the unique elements of coastal living that are important to all of us.

From a financial point of view, this is a healthy development for the communities we serve and our shareholders. The bank will be able to continue to grow and expand, which allows us to continue to lend more money to families and businesses in our local areas. Our shareholders' investments should continue to increase in value in addition to providing a cash dividend.

Substantial progress was made today. We feel that a deal is within reach.

I think it's progress. I'm not sure success is unless you are in the playoffs.

He's getting better. He's a work in progress, and he's coming through with more confidence about what he's doing. Obviously he's in better shape. He's going to be good.