John Allison

A lot of it is the seat-of-your-pants-type thing and a lot of faith and trust in people.

A lot of it is the seat-of-your-pants-type thing and a lot of faith and trust in people.

We're pretty much on schedule, ... We are talking to some people right now, but mergers are unpredictable. ... We'd read more

We're pretty much on schedule, ... We are talking to some people right now, but mergers are unpredictable. ... We'd like to see a transaction in the early part of 2006, but whether we will or not, frankly, depends on the sellers.

This merger accelerates our long-term earnings growth potential by expanding our Tennessee market. It will allow us to extend our read more

This merger accelerates our long-term earnings growth potential by expanding our Tennessee market. It will allow us to extend our growing Knoxville-based presence toward Chattanooga and on to our existing north Georgia franchise.

We grew up competing with much larger institutions. They are very good at what they do and we knew that read more

We grew up competing with much larger institutions. They are very good at what they do and we knew that we couldn't beat them at their game.

Given that our first quarter is usually negatively affected by a number of seasonal factors, I am encouraged that these read more

Given that our first quarter is usually negatively affected by a number of seasonal factors, I am encouraged that these positive results reflect a very good start to 2006.