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(From Fair Disclosure Wire) Q4. (Connie Maneaty, Prudential Equity Group, LLC) So is it like a foot, maybe more? A. (Jim Craigie) It would be more. More like I would [...]

(From Fair Disclosure Wire) A. (Clive Standish) On the risk-weighted assets, which are up 16% in 2Q05, about 8% of that is, and this is across the group, related to [...]

(From Fair Disclosure Wire) SAM HOFFMAN: My other question is can you give us some more details on the timing for the integration and the achievements of the synergies, and [...]

(From Fair Disclosure Wire) Q31. Just rewinding one more time back on to the sweep, my understanding is that Harris has offered a sweep account for sometime. They are apparently [...]

(From Fair Disclosure Wire) JOHN VARLEY: Next question. NICK LORD: Sorry. JOHN VARLEY: Nick, yes? NICK LORD: Just going back to that, just specifically on the card balances though, at [...]

(From Fair Disclosure Wire) That to me is the key. It's not the facility where they are. We can paint them, we can make them look good, close the eight [...]

(From Fair Disclosure Wire) A. (Neil DeFeo) I'm not going to give you particulars on where the spending is going to be concentrated. Let me just say this. We believe [...]

(From Fair Disclosure Wire) Byline: Lis Claman A. (Steven Roth) On segmentation, when you break it down, we had about 44% metals, 21% inspection, 15% transparent, and the remaining was [...]

(From Fair Disclosure Wire) A. (Mike Morris) Actually there's a couple of issues here. The way that we go through our project analysis in the forecast of environmental spend between [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Carrie Long, Viad Corp, IR . Bob Bohannon, Viad Corp, Chairman, President, and CEO . Paul Dykstra, Viad Corp, President and CEO - [...]

(From Fair Disclosure Wire) A. (Dan Welch) I really can't say. I will provide more data in the year, when we've spoken with the FDA. Q16. (Tom Shrader, Harris Nesbitt [...]

(From Fair Disclosure Wire) SCOTT KRASIK: This is my last question, but are you spending in a material way on this product where you're not getting the sales return and [...]

(From Fair Disclosure Wire) A. (John Friedery) Well, I'd say that in terms of price, they were not (Phonetic) negative, and with our improved mix, it was a little bit [...]

(From Fair Disclosure Wire) A. (Steve Alesio) Let me just get the questions correct. So the first one is anything else we can provide on insight relative to revenue growth [...]

(From Fair Disclosure Wire) A. (LeAnne Zumwalt) We would expect to open, in total this year, 40-45 de novo centers, and we've done, what, 25 so far - so it [...]

(From Fair Disclosure Wire) Q14. I'm just curious, there was a sequential increase of like `7m` from 1Q05. I guess you were spending a lot more with customers. (Yue-Shun Ho [...]

(From Fair Disclosure Wire) Q21. (David Pescherine, Smith Barney) Can you tell us a little bit about the profitability in your China facility? I think last quarter you indicated still [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Greg Parker, Cullen/Frost Bankers, Inc., EVP, Director IR . Dick Evans, Cullen/Frost Bankers, Inc., Chairman & CEO . Phil Green, Cullen/Frost Bankers, Inc., [...]

(From Fair Disclosure Wire) OPERATOR: Good morning and welcome to Susquehanna's Bancshares second quarter 2005 earnings conference call. Today's call is being recorded. At this time participants are in a [...]

(From Fair Disclosure Wire) OPERATOR: Ladies and gentlemen, thank you for standing by. Welcome to the Heritage Financial Corporation earnings conference call. [OPERATOR INSTRUCTIONS] I would like to turn the [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Scott Doescher, Wausau Paper Corp., CFO . Tom Howatt, Wausau Paper Corp., President, CEO OVERVIEW The Company reported 2Q05 net loss of $2.7m [...]

(From Fair Disclosure Wire) OPERATOR: Good morning everyone. Thank you for holding and welcome to the Community Bank System call. Today's call will begin with a presentation followed by a [...]

(From Fair Disclosure Wire) ALVARO RODRIGUEZ: Thank you. OPERATOR: Thank you. [Rafael Elias], Deutsche Bank. RAFAEL ELIAS, ANALYST, DEUTSCHE BANK: Good morning Alvaro. Thank you for the call. You said [...]

(From Fair Disclosure Wire) OPERATOR: Welcome to the Bank of Hawaii Corporation second quarter 2005 earnings conference call. [OPERATOR INSTRUCTIONS] A coordinator will be happy to assist you. I would [...]

(From Fair Disclosure Wire) KENNETH JAMES: Okay. Second question is in relation to the guidance if you exclude the securities from this quarter that implies something like a 56 or [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Cindy Wyrick, Bank of Hawaii Corporation, SVP & Head of IR . Al Landon, Bank of Hawaii Corporation, President & CEO . Rick [...]

(From Fair Disclosure Wire) OPERATOR: Greetings, ladies and gentlemen and welcome to the Yardville National Bancorp second quarter 2005 earnings conference call. [OPERATOR INSTRUCTIONS] It is now my pleasure to [...]

(From Fair Disclosure Wire) K.C, HAMBRECHT (ph): Sure. No, Tommy, I understand that. But what if there was, how would that impact your bank? DENNIS WU: It shouldn't be much. [...]

(From Fair Disclosure Wire) OPERATOR: Ladies and gentlemen, thank you for standing by and welcome to the Provident Financial Holdings fourth quarter earnings release conference call. At this time all [...]

(From Fair Disclosure Wire) OPERATOR: Ladies and gentlemen, thank you for standing by. Welcome to the Valley National Bank's second-quarter 2005 earnings release. At this point, all the participant lines [...]

(From Fair Disclosure Wire) OPERATOR: Ladies and gentlemen, thank you for standing by and welcome to the second quarter 2005 earnings call for UnionBanCal Corporation. [Operator Instructions] I would now [...]

(From Fair Disclosure Wire) OPERATOR: Thank you for standing by, everyone, and welcome to NBC Capital Corporation's second quarter conference call. Today's call is being recorded. Before we begin today's [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Jack Carsky, Providian Financial Corporation, SVP, IR . Joe Saunders, Providian Financial Corporation, Chairman, President & CEO . Tony Vuoto, Providian Financial Corporation, [...]

(From Fair Disclosure Wire) OPERATOR: Welcome to the Providian Financial Corporation second quarter 2005 earnings conference call. At the request of Providian Financial, this conference is being recorded for instant [...]

(From Fair Disclosure Wire) OPERATOR: Good day, ladies and gentlemen, and welcome to the quarter 2 2005 Washington Trust Bancorp, Inc. earnings conference call. My name is Audrey, and I [...]

(From Fair Disclosure Wire) A. (Steve Delaney) I expect to grow again. Q26. So, you think the end markets will start -- (Paras Bhargava - BMO Nesbitt Burns) A. (Steve [...]

(From Fair Disclosure Wire) OPERATOR: Good afternoon, ladies and gentlemen, and welcome to the Horizon Financial Corporation first fiscal quarter of 2006 conference call. At this time, all participants are [...]

(From Fair Disclosure Wire) OPERATOR: Welcome to the Simmons First National Corporation Second Quarter Earnings Release Conference Call. [OPERATOR INSTRUCTIONS] I will now turn the call over the Bob Fehlman, [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Dan Healy, North Fork Bancorporation Inc., EVP & CFO . John Kanas, North Fork Bancorporation Inc., Chairman, President, & CEO OVERVIEW The Co. [...]

(From Fair Disclosure Wire) GUY MOSZOWSKI: Thanks. Just wanted to follow up on the bankruptcy comments that Mike made. Why would the change in the bankruptcy law -- if it's [...]

(From Fair Disclosure Wire) KEVIN SHIELDS: So, from the top-down view on Ryan Beck, would you guys anticipate the employee count going about up? Or would you just enhance the [...]

(From Fair Disclosure Wire) OPERATOR: Good afternoon, my name is Lisa, and I will be your conference facilitator today. At this time, I would like to welcome everyone to the [...]

(From Fair Disclosure Wire) OPERATOR: Good day, everyone, and welcome to KeyCorp's second quarter 2005 earnings results conference call. This call is being recorded. At this time, I'd like to [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Bob Strickland, Wells Fargo & Company, Director, IR . Howard Atkins, Wells Fargo & Company, EVP & CFO OVERVIEW Management reported that EPS [...]

(From Fair Disclosure Wire) OPERATOR: The Sun Bancorp Second Quarter Earnings Conference Call will now begin. On the line this time is Tom Bracken, CEO and President of Sun National [...]

(From Fair Disclosure Wire) OPERATOR: Good day. All sites are now on the conference line in a listen-only mode. At this time, I would like to turn the call over [...]

(From Fair Disclosure Wire) CORPORATE PARTICIPANTS . Jim Lestelle, Hibernia Corp., SVP, Corporate Communications . Herb Boydstun, Hibernia Corp., President, CEO, Director . Bob Kottler, Hibernia Corp., SVP; Chief Sales [...]

(From Fair Disclosure Wire) OPERATOR: Thank you for standing by, and welcome to Hibernia's second quarter 2005 earnings release conference call. This conference is being recorded. Following an introductory section [...]

(From Fair Disclosure Wire) JIM BANTIS: And actually just a last question and a little bit more for color; the regulatory issue that the company is dealing with, could you [...]

(From Fair Disclosure Wire) OPERATOR: We'll go next to Sterling Auty with J.P. Morgan. STERLING AUTY, ANALYST, JP MORGAN: Thanks. Can you give us an update in terms of in [...]