Jefferies Financial Group
JEF
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Jefferies Financial Group - 10-Q quarterly report FY


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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
----------

FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934

For the quarterly period ended September 30, 2005

OR

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the transition period from to

Commission File Number 1-5721

LEUCADIA NATIONAL CORPORATION
(Exact name of registrant as specified in its Charter)

New York 13-2615557
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)

315 Park Avenue South, New York, New York 10010-3607
(Address of principal executive offices) (Zip Code)

(212) 460-1900
(Registrant's telephone number, including area code)

N/A
(Former name, former address and former fiscal year,
if changed since last report)

----------------------

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
YES X NO
------- ------

Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Act).

YES X NO
------- -------


Indicate by check mark whether the registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act).

YES NO X
------- -------

APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding
of each of the issuer's classes of common stock, at October 28, 2005:
108,084,282.
PART I - FINANCIAL INFORMATION

Item 1. Financial Statements.

LEUCADIA NATIONAL CORPORATION AND SUBSIDIARIES
Consolidated Balance Sheets
September 30, 2005 and December 31, 2004
(Dollars in thousands, except par value)
<TABLE>
<CAPTION>

September 30, December 31,
2005 2004
-------------- ------------
(Unaudited)
<S> <C> <C>
ASSETS
- ------
Current assets:
Cash and cash equivalents $ 567,876 $ 486,948
Investments 992,027 1,106,322
Trade, notes and other receivables, net 472,173 414,552
Prepaids and other current assets 165,288 52,127
----------- -----------
Total current assets 2,197,364 2,059,949
Non-current investments 801,611 726,782
Notes and other receivables, net 10,883 16,906
Intangible assets, net and goodwill 83,698 1,472
Deferred tax asset, net 1,097,351 --
Other assets 207,759 201,624
Property, equipment and leasehold improvements, net 1,238,674 1,332,876
Investments in associated companies 424,478 460,794
----------- -----------

Total $ 6,061,818 $ 4,800,403
=========== ===========

LIABILITIES
- -----------
Current liabilities:
Trade payables and expense accruals $ 413,110 $ 407,350
Deferred revenue 58,248 52,632
Other current liabilities 76,312 94,956
Customer banking deposits due within one year -- 18,472
Debt due within one year 185,410 68,237
Income taxes payable 16,039 17,690
----------- -----------
Total current liabilities 749,119 659,337
Long-term deferred revenue 190,051 161,206
Other non-current liabilities 187,272 213,309
Non-current customer banking deposits -- 6,119
Long-term debt 1,380,219 1,483,504
----------- -----------
Total liabilities 2,506,661 2,523,475
----------- -----------

Commitments and contingencies

Minority interest 12,448 18,275
----------- -----------

SHAREHOLDERS' EQUITY
- --------------------
Common shares, par value $1 per share, authorized 300,000,000 shares;
108,030,282 and 107,600,403 shares issued and outstanding, after deducting
42,374,172 and 42,399,597 shares held in treasury 108,030 107,600
Additional paid-in capital 612,517 598,504
Accumulated other comprehensive income 27,913 136,138
Retained earnings 2,794,249 1,416,411
----------- -----------
Total shareholders' equity 3,542,709 2,258,653
----------- -----------

Total $ 6,061,818 $ 4,800,403
=========== ===========
</TABLE>


See notes to interim consolidated financial statements.

2
LEUCADIA NATIONAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Operations
For the periods ended September 30, 2005 and 2004
(In thousands,except per share amounts)
(Unaudited)
<TABLE>
<CAPTION>


For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
---------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
<S> <C> <C> <C> <C>
Revenues and Other Income:
Telecommunications $488,730 $ 401,759 $ 1,368,867 $ 1,178,152
Healthcare 54,376 63,102 182,791 190,373
Manufacturing 115,066 18,742 223,991 48,807
Investment and other income 90,711 94,167 187,527 178,097
Net securities gains 88,005 55,823 135,009 117,441
-------- --------- ----------- -----------
836,888 633,593 2,098,185 1,712,870
-------- --------- ----------- -----------
Expenses:
Cost of sales:
Telecommunications 336,367 276,390 963,094 848,681
Healthcare 46,308 54,351 154,100 158,418
Manufacturing 98,019 12,532 189,140 34,059
Interest 25,324 26,874 75,166 72,356
Salaries and incentive compensation 58,646 47,714 158,146 136,438
Depreciation and amortization 43,804 55,114 138,987 176,311
Selling, general and other expenses 83,184 79,824 240,499 210,051
-------- --------- ----------- -----------
691,652 552,799 1,919,132 1,636,314
-------- --------- ----------- -----------
Income from continuing operations before income taxes
and equity in income (losses) of associated companies 145,236 80,794 179,053 76,556
Income taxes (24,883) 1,978 (1,131,719) 972
-------- --------- ----------- -----------

Income from continuing operations before equity in
income (losses) of associated companies 170,119 78,816 1,310,772 75,584
Equity in income (losses) of associated companies, net of taxes (66,531) (3,919) 11,962 24,213
-------- --------- ----------- -----------

Income from continuing operations 103,588 74,897 1,322,734 99,797
Income (loss) from discontinued operations, net of taxes 396 (333) 396 (5,447)
Gain on disposal of discontinued operations, net of taxes 130 -- 54,708 2,237
-------- --------- ----------- -----------

Net income $104,114 $ 74,564 $ 1,377,838 $ 96,587
======== ========= =========== ===========

Basic earnings (loss) per common share:
Income from continuing operations $ .96 $ .70 $12.28 $ .94
Income (loss) from discontinued operations -- -- -- (.05)
Gain on disposal of discontinued operations -- -- .51 .02
------ ------ ------ -----
Net income $ .96 $ .70 $12.79 $ .91
====== ====== ====== =====

Diluted earnings (loss) per common share:
Income from continuing operations $ .93 $ .67 $11.54 $ .93
Income (loss) from discontinued operations -- -- -- (.05)
Gain on disposal of discontinued operations -- -- .47 .02
------ ------ ------ -----
Net income $ .93 $ .67 $12.01 $ .90
====== ====== ====== =====


</TABLE>



See notes to interim consolidated financial statements.


3
LEUCADIA NATIONAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Cash Flows
For the nine months ended September 30, 2005 and 2004
(In thousands)
(Unaudited)
<TABLE>
<CAPTION>
2005 2004
---- ----
<S> <C> <C>
Net cash flows from operating activities:
Net income $ 1,377,838 $ 96,587
Adjustments to reconcile net income to net cash provided by operations:
Deferred income tax provision (benefit) (1,135,100) 36,576
Depreciation and amortization of property, equipment and leasehold improvements 142,374 181,253
Other amortization 2,132 2,262
Provision for doubtful accounts 3,951 (7,128)
Net securities gains (135,009) (117,441)
Equity in income of associated companies (12,692) (37,251)
Distributions from associated companies 89,293 22,757
Gain on disposal of real estate, property and equipment, loan receivables and other assets (36,968) (63,047)
Gain on disposal of discontinued operations (56,708) (2,237)
Investments classified as trading, net 19,472 (46,739)
Net change in:
Trade, notes and other receivables 31,860 37,272
Prepaids and other assets (26,310) (31,032)
Trade payables and expense accruals (17,133) 11,263
Other liabilities (25,113) (49,644)
Deferred revenue (3,710) 1,219
Income taxes payable (1,634) 1,494
Other (1,337) 1,795
Net change in net assets of discontinued operations -- 7,026
----------- ----------
Net cash provided by operating activities 215,206 44,985
----------- ----------

Net cash flows from investing activities:
Acquisition of property, equipment and leasehold improvements (109,559) (65,720)
Acquisitions of and capital expenditures for real estate investments (20,353) (20,034)
Proceeds from disposals of real estate, property and equipment, and other assets 27,579 119,154
Proceeds from sale of discontinued operations 101,360 --
Principal collections on loan receivables 1,294 40,870
Proceeds from sale of loan receivables -- 157,171
Acquisitions, net of cash acquired (172,622) --
Advances on notes receivables (100) (400)
Collections on notes receivables 1,721 27,414
Investments in associated companies (6,241) (69,148)
Distributions from associated companies 2,619 --
Purchases of investments (other than short-term) (2,342,929) (2,032,747)
Proceeds from maturities of investments 977,805 655,333
Proceeds from sales of investments 1,417,222 1,141,228
----------- ----------
Net cash used for investing activities (122,204) (46,879)
----------- ----------

Net cash flows from financing activities:
Net change in customer banking deposits (24,565) (108,937)
Issuance of debt 70,765 444,477
Reduction of debt (58,978) (82,363)
Issuance of common shares 1,584 15,705
----------- ----------
Net cash provided by (used for) financing activities (11,194) 268,882
----------- ----------
Effect of foreign exchange rate changes on cash (880) (101)
----------- ----------
Net increase in cash and cash equivalents 80,928 266,887
Cash and cash equivalents at January 1, 486,948 213,848
----------- ----------
Cash and cash equivalents at September 30, $ 567,876 $ 480,735
=========== ==========

See notes to interim consolidated financial statements.
</TABLE>

4
LEUCADIA NATIONAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Changes in Shareholders' Equity
For the nine months ended September 30, 2005 and 2004
(In thousands, except par value)
(Unaudited)
<TABLE>
<CAPTION>


Common Accumulated
Shares Additional Other
$1 Par Paid-In Comprehensive Retained
Value Capital Income (Loss) Earnings Total
----- ------- ------------- -------- -----

<S> <C> <C> <C> <C> <C>

Balance, January 1, 2004 $106,235 $577,863 $152,251 $ 1,297,812 $2,134,161
----------
Comprehensive income:
Net change in unrealized gain (loss) on
investments, net of taxes of $18,233 (34,415) (34,415)
Net change in unrealized foreign exchange
gain (loss), net of taxes of $32 (547) (547)
Net change in unrealized gain (loss) on
derivative instruments, net of taxes of $282 525 525
Net income 96,587 96,587
----------
Comprehensive income 62,150
----------
Exercise of warrants to purchase common shares 839 12,549 13,388
Exercise of options to purchase common shares 135 2,182 2,317
-------- -------- -------- ----------- ----------

Balance, September 30, 2004 $107,209 $592,594 $117,814 $ 1,394,399 $2,212,016
======== ======== ======== =========== ==========

Balance, January 1, 2005 $107,600 $598,504 $136,138 $ 1,416,411 $2,258,653
----------
Comprehensive income:
Net change in unrealized gain (loss) on
investments, net of taxes of $0 (95,818) (95,818)
Net change in unrealized foreign exchange
gain (loss), net of taxes of $0 (14,802) (14,802)
Net change in unrealized gain (loss) on
derivative instruments, net of taxes of $0 2,395 2,395
Net income 1,377,838 1,377,838
----------
Comprehensive income 1,269,613
----------
Issuance of common shares on acquisition of
minority interest in MK Resources Company 334 12,525 12,859
Exercise of options to purchase common shares 96 1,488 1,584
-------- -------- -------- ----------- ----------

Balance, September 30, 2005 $108,030 $612,517 $ 27,913 $ 2,794,249 $3,542,709
======== ======== ======== =========== ==========


</TABLE>







See notes to interim consolidated financial statements.

5
LEUCADIA NATIONAL CORPORATION AND SUBSIDIARIES
Notes to Interim Consolidated Financial Statements

1. The unaudited interim consolidated financial statements, which reflect all
adjustments (consisting of normal recurring items or items discussed
herein) that management believes necessary to present fairly results of
interim operations, should be read in conjunction with the Notes to
Consolidated Financial Statements (including the Summary of Significant
Accounting Policies) included in the Company's audited consolidated
financial statements for the year ended December 31, 2004, which are
included in the Company's Annual Report filed on Form 10-K, as amended by
Form 10-K/A, for such year (the "2004 10-K"). Results of operations for
interim periods are not necessarily indicative of annual results of
operations. The consolidated balance sheet at December 31, 2004 was
extracted from the audited annual financial statements and does not include
all disclosures required by accounting principles generally accepted in the
United States of America ("GAAP") for annual financial statements.

Statement of Financial Accounting Standards No. 123, "Accounting for
Stock-Based Compensation" ("SFAS 123"), establishes a fair value method for
accounting for stock-based compensation plans, either through recognition
in the statements of operations or disclosure. As permitted, the Company
applies APB Opinion No. 25 and related Interpretations in accounting for
its plans. Accordingly, no compensation cost has been recognized in the
statements of operations for its stock-based compensation plans. Had
compensation cost for the Company's stock option plans been recorded in the
statements of operations consistent with the provisions of SFAS 123, the
Company's results of operations would not have been materially different
from that reported. In April 2005, the Securities and Exchange Commission
amended the effective date of Statement of Financial Accounting Standards
No. 123R, "Share-Based Payment" ("SFAS 123R"), from the first interim or
annual period after June 15, 2005 to the beginning of the next fiscal year
that begins after June 15, 2005. The Company has not determined whether
SFAS 123R will have a material impact on its consolidated financial
statements.

In May 2005, the Financial Accounting Standards Board ("FASB") issued
Statement of Financial Accounting Standards No. 154, "Accounting Changes
and Error Corrections-a replacement of APB Opinion No. 20 and FASB
Statement No. 3" ("SFAS 154"), which is effective for accounting changes
and corrections of errors made in fiscal years beginning after December 15,
2005. SFAS 154 applies to all voluntary changes in accounting principles,
and changes the accounting and reporting requirements for a change in
accounting principle. SFAS 154 requires retrospective application to prior
periods' financial statements of a voluntary change in accounting principle
unless doing so is impracticable. APB 20 previously required that most
voluntary changes in accounting principle be recognized by including in net
income of the period in which the change occurred the cumulative effect of
changing to the new accounting principle. SFAS 154 also requires that a
change in depreciation, amortization, or depletion method for long-lived,
nonfinancial assets be accounted for as a change in accounting estimate
effected by a change in accounting principle. SFAS 154 carries forward
without change the guidance in APB 20 for reporting the correction of an
error in previously issued financial statements, a change in accounting
estimate and a change in reporting entity, as well as the provisions of
SFAS 3 that govern reporting accounting changes in interim financial
statements. The Company does not expect that SFAS 154 will have a material
impact on its consolidated financial statements.

In March 2005, the FASB issued FASB Interpretation No. 47, "Accounting for
Conditional Asset Retirement Obligations" ("FIN 47"), which is effective
for fiscal years ending after December 15, 2005. FIN 47 clarifies that the
term conditional asset retirement obligation as used in FASB Statement No.
143, "Accounting for Asset Retirement Obligations", refers to a legal
obligation to perform an asset retirement activity in which the timing
and/or method of settlement are conditional on a future event that may or
may not be within the control of the entity. Under FIN 47, an entity is
required to recognize a liability for the fair value of a conditional asset
retirement obligation if the fair value of the liability can be reasonably
estimated. The fair value of a liability for the conditional asset
retirement obligation should be recognized when incurred -- generally upon
acquisition, construction, or development and/or through the normal
operation of the asset. The Company does not expect that FIN 47 will have a
material impact on its consolidated financial statements.

6
Notes to Interim Consolidated Financial Statements, continued

Certain amounts for prior periods have been reclassified to reflect as
discontinued operations a commercial real estate property and the Company's
geothermal power business, which were sold during the fourth quarter of
2004, and to be consistent with the 2005 presentation.

2. In accordance with Financial Accounting Standards No. 144, "Accounting for
the Impairment or Disposal of Long-Lived Assets" ("SFAS 144"), the Company
evaluates its long-lived assets for impairment whenever events or changes
in circumstances indicate, in management's judgment, that the carrying
value of such assets may not be recoverable. When testing for impairment,
the Company groups its long-lived assets with other assets and liabilities
at the lowest level for which identifiable cash flows are largely
independent of the cash flows of other assets and liabilities (or asset
group). The determination of whether an asset group is recoverable is based
on management's estimate of undiscounted future cash flows directly
attributable to the asset group as compared to its carrying value. If the
carrying amount of the asset group is greater than the undiscounted cash
flows, an impairment loss would be recognized for the amount by which the
carrying amount of the asset group exceeds its estimated fair value.

As more fully described in the 2004 10-K, on January 31, 2005, SBC
Communications Inc. ("SBC") announced that it would buy AT&T Corp., and
announced its intention to migrate the services provided by WilTel to the
AT&T network. Since SBC is WilTel's largest customer, accounting for 70% of
the Network segment's 2005 telecommunications revenues, the Company
concluded that the SBC announcement is an event which requires the Company
to assess the carrying value of WilTel's long-lived assets for impairment,
principally property and equipment. Since the event which gave rise to the
impairment review occurred on January 31, 2005, and is not reflective of a
condition that existed as of December 31, 2004, the assessment of
impairment was performed as part of the preparation of the Company's
financial statements for the first quarter of 2005. Based on the
assumptions described below, the Company concluded that an impairment
charge was not required.

The Company determined that WilTel's fiber optic communications network is
the lowest level for which identifiable cash flows are largely independent
of the cash flows of other assets and liabilities. The asset group is
primarily composed of fiber optic cable, conduit, rights of way, optronics
and certain buildings and related improvements. These assets are used
together to generate joint cash flows. The Company has determined that the
primary asset of the group is fiber optic cable, which has a remaining
weighted average useful life of 16 years. The fiber optic cable is
considered to be the primary asset of the group as it is the most
significant component of the group, the principal asset from which the
asset group derives its cash flow generating capacity, would cost the most
to replace and without which most of the assets in the group would not have
been acquired. The determination of the primary asset of the asset group is
significant because estimated cash flows used to test for recoverability
are based on the estimated remaining useful life of the primary asset. The
carrying value of the asset group that was tested for impairment was
approximately $920,000,000.

The Company utilized WilTel's internal estimates of future cash flows from
all of its customers over the remaining useful life of the primary asset.
These assumptions reflected estimated future operating results and
considered all relevant facts and circumstances. The economics and term of
WilTel's future relationship with SBC were the most significant assumptions
in the analysis. The agreements entered into between WilTel and SBC during
the second quarter of 2005 (discussed below) have confirmed the validity of
the assumptions. The analysis did not assume that the Company would enter
into the agreement to sell WilTel described in Note 20, which if
consummated is expected to result in a gain on the assets sold. However, if
that transaction is not consummated, and if WilTel's actual cash flows in
the future are materially less than the amounts used for its impairment
analysis, or other events occur which have a material adverse affect on
WilTel's business or ability to generate future cash flows, the Company
would have to prepare a new impairment analysis and may conclude that this
asset group is impaired.

7
Notes to Interim Consolidated Financial Statements, continued

3. On June 15, 2005, WilTel and SBC reached an agreement, pursuant to which
the existing alliance agreements between WilTel and SBC were terminated and
a new Master Services Agreement and a Termination, Mutual Release and
Settlement Agreement were entered into. In exchange for the termination of
the existing alliance agreements and the exchange of mutual releases,
WilTel will receive aggregate cash payments from SBC of $236,000,000. Of
this amount, $11,000,000 is payable on January 3, 2006, and the balance is
payable in twelve equal monthly installments beginning on the earlier of
April 30, 2006 or the closing or termination of SBC's agreement to acquire
AT&T.

Under the new Master Services Agreement, SBC agreed to purchase WilTel
services at the fixed prices that had been in effect on June 15, 2005, with
minimum purchase commitments for on-net services of $600,000,000 for the
period from January 1, 2005 through December 31, 2007, and $75,000,000 for
the period from January 1, 2008 through December 31, 2009. If SBC fails to
spend the required $600,000,000 or $75,000,000 during the respective
designated periods, SBC will pay the amount of any deficiency and receive a
credit equal to such amount to be used for future services. If SBC spends
more than $600,000,000 during the initial three-year period, any excess
will be credited toward the $75,000,000 commitment in the second period.
SBC's minimum purchase commitments exclude access and off-net costs.
However, for financial reporting purposes these costs are included as
revenues, with offsetting amounts reported in telecommunications cost of
sales, on the Company's consolidated statements of operations. As of
September 30, 2005, approximately $192,000,000 of minimum purchase
commitments have been satisfied. Minimum purchase commitments are
considered satisfied only when SBC has paid for the service provided, not
when the service is recognized as revenue for financial reporting purposes.

WilTel will also have the opportunity to earn up to an additional
$50,000,000 by meeting quality of service performance criteria in 2006 and
2007. These amounts will be recognized as operating revenue when they are
earned. In addition, the Master Services Agreement provides that
$18,000,000 of the $25,000,000 that SBC paid to WilTel in 2004 to pre-fund
capital expenditures will be applied as a credit against amounts that would
otherwise be payable for services during the second half of 2005, with the
balance to be retained by WilTel. The amount received during 2004 was not
recognized as income and has been reflected as a liability on the Company's
consolidated balance sheet. During the third quarter of 2005, $10,800,000
of credits was applied to reduce amounts otherwise due from SBC; as of
September 30, 2005, $7,200,000 of the credit remains outstanding.

WilTel is recognizing the $236,000,000 of cash payments and the pre-funded
capital expenditures that were not credited to SBC ($7,000,000) as other
non-operating income, which is not a component of segment profit from
operations. These amounts are being recognized as other income over time
proportionally with the ratio of the minimum purchase commitments that have
been satisfied subsequent to entering into the agreements with SBC, to the
remaining minimum purchase commitment at June 15, 2005. For the three and
nine month periods ended September 30, 2005, $31,500,000 and $32,600,000,
respectively, of this amount was reflected in other income. If the sale
transaction discussed in Note 20 is consummated, recognition in income of
any remaining amounts will be accelerated.

4. The Company records a valuation allowance to reduce its deferred tax asset
to the amount that is more likely than not to be realized. If the Company
were to determine that it would be able to realize its deferred tax asset
in the future in excess of its net recorded amount, an adjustment would
increase income in such period. Similarly, if the Company were to determine
that it would not be able to realize all or part of its deferred tax asset
in the future, an adjustment would be charged to income in such period. The
Company also records reserves for contingent tax liabilities based on the
Company's assessment of the probability of successfully sustaining its tax
filing positions.

8
Notes to Interim Consolidated Financial Statements, continued

As more fully discussed in the 2004 10-K, at acquisition the Company
established a valuation allowance that reserved for substantially all of
WilTel's net deferred tax asset, because the Company could not demonstrate
it would have the future taxable income necessary to realize that asset.
The Company's projections of consolidated taxable income and its assessment
of the need for a full valuation allowance for the deferred tax asset had
been significantly influenced by the fact that it had not yet generated
positive cumulative pre-tax income over a period of years on a pro forma
combined basis with WilTel, and the uncertainty of WilTel's relationship
with SBC in the future. During the second quarter of 2005, WilTel entered
into new agreements with SBC that significantly reduced uncertainty
surrounding WilTel's future profitability. Additionally, taxable income
from the Company's other operations and investments, when added to WilTel's
on a pro forma combined basis, have now achieved positive cumulative
pre-tax income for the Company. The Company has prepared updated
projections of future taxable income and has concluded that it is more
likely than not that it will have future taxable income sufficient to
realize a portion of the Company's net deferred tax asset, and in June 2005
reversed $1,110,000,000 of the valuation allowance as a credit to income
tax expense.

The Company's conclusion that a portion of the deferred tax asset was more
likely than not to be realizable was strongly influenced by its historical
ability to generate significant amounts of taxable income. The Company's
estimate of future taxable income considered all available evidence, both
positive and negative, about its current operations and investments,
included an aggregation of individual projections for each material
operation and investment, incorporated the assumptions used by WilTel for
its impairment analysis (updated for the new SBC agreements) and included
all future years (through 2024) that the Company estimated it would have
available net operating loss carryforwards. Over the projection period, the
Company assumed that its readily available cash, cash equivalents and
marketable securities would provide returns equivalent to the returns
expected to be provided by the Company's existing operations and
investments, except for certain amounts assumed to be invested on a
short-term basis to meet the Company's liquidity needs. The Company
believes that its estimate of future taxable income is reasonable but
inherently uncertain, and if its current or future operations and
investments generate taxable income greater than the projected amounts,
further adjustments to reduce the valuation allowance are possible.
Conversely, if the Company realizes unforeseen material losses in the
future, or its ability to generate future taxable income necessary to
realize a portion of the deferred tax asset is materially reduced,
additions to the valuation allowance could be recorded.

During the third quarter of 2005, the Company further reduced its deferred
tax valuation allowance by approximately $25,100,000. The amount credited
to income tax expense during the third quarter resulted from a reduction of
the Company's estimate of taxable income for the remainder of 2005;
however, the Company has not changed its estimate of future taxable income
for all future periods in the aggregate. Except for a similar type of
adjustment, the Company does not expect to record any material federal
income tax provision during the fourth quarter of 2005. In future years the
Company will record income tax provisions equal to its effective income tax
rate, unless there is a further adjustment to the valuation allowance. As
of September 30, 2005, the remaining balance in the valuation allowance is
approximately $930,000,000.

For the nine month period ended September 30, 2004, the Company has
recorded a net federal income tax provision on income from continuing
operations (inclusive of a federal tax provision netted against equity in
income of associated companies) and federal income tax benefits on loss
from discontinued operations and losses recognized in other comprehensive
income. In the aggregate, the Company has recognized a net federal income
tax provision of $18,600,000 for the nine month period ended September 30,
2004 (excluding the reversal of reserves for federal income tax
contingencies); although no federal income tax payments were due. The
income tax provision for the nine month period ended September 30, 2004,
reflects the reversal of tax reserves aggregating $27,300,000, as a result
of the favorable resolution of federal income tax contingencies. Income
taxes for 2004 also include a provision for state income taxes.

9
Notes to Interim Consolidated Financial Statements, continued

5. Results of operations for the Company's segments are reflected from the
date of acquisition. Except for the telecommunications segments of WilTel,
the primary measure of segment operating results and profitability used by
the Company is income (loss) from continuing operations before income taxes
and equity in income (losses) of associated companies. For WilTel's
segments, segment profit from operations is the primary performance measure
of segment operating results and profitability. WilTel defines segment
profit from operations as income before income taxes, interest expense,
investment income, depreciation and amortization expense and other
non-operating income and expense.

The following information reconciles segment profit from operations of the
Network and Vyvx segments to the most comparable GAAP measure, which is
used for all other reportable segments, for the three and nine month
periods ended September 30, 2005 and 2004 (in thousands):
<TABLE>
<CAPTION>


For the Three Month Period Ended September 30,
2005 2004
------------------------- -------------------------
Network Vyvx Network Vyvx
------- ---- ------- ----
<S> <C> <C> <C> <C>

Segment profit from operations (1) (3) $ 50,481 $ 8,852 $ 39,605 $ 8,663
Depreciation and amortization expense (35,627) (1,188) (48,398) (2,075)
Interest income (expense), net (2) (5,984) 543 (7,751) (542)
Other non-operating income (expense), net (2) (5) 40,305 7 23,136 2,557
----------- --------- ------------ ---------
Income (loss) from continuing operations before income
taxes and equity in income (losses) of associated companies $ 49,175 $ 8,214 $ 6,592 $ 8,603
=========== ========= =========== =========

For the Nine Month Period Ended September 30,
2005 2004
------------------------- -------------------------
Network Vyvx Network Vyvx
------- ---- ------- ----

Segment profit from operations (1) (3) $ 148,542 $ 24,200 $ 85,955 $ 23,727
Depreciation and amortization expense (116,770) (3,467) (154,060) (6,537)
Interest income (expense), net (2) (4) (17,886) 2,780 (21,353) (1,627)
Other non-operating income (expense), net (2) (5) 41,080 (25) 26,074 2,571
----------- --------- ----------- ---------
Income (loss) from continuing operations before income
taxes and equity in income (losses) of associated companies $ 54,966 $ 23,488 $ (63,384) $ 18,134
=========== ========= =========== =========

</TABLE>

(1) Reflects intersegment charges from Network to Vyvx of $4,900,000 for
each of the three month periods ended September 30, 2005 and 2004,
respectively, and $13,500,000 and $13,900,000 for the nine month
periods ended September 30, 2005 and 2004, respectively. Also reflects
intersegment charges of $1,000,000 and $1,500,000 from Network to ATX
for the three and nine month periods ended September 30, 2005,
respectively.
(2) If items in these categories cannot be directly attributed to a
particular WilTel segment, they are allocated to each segment based
upon a formula that considers each segment's revenues, property and
equipment and headcount.
(3) For Network, for the three and nine month periods ended September 30,
2005, includes income of $4,100,000 and $6,400,000, respectively, from
the reduction of property tax accruals due to lower valuations. In
addition, for Network for the nine month period ended September 30,
2005, includes $7,900,000 from the termination of a dark fiber
contract and related maintenance services for which Network will not
have to perform any remaining services and gains of $13,300,000 from
sales of operating assets, principally undersea cable assets.
(4) For Vyvx for the nine month period ended September 30, 2005, includes
a bankruptcy claim distribution of $1,600,000 received for a security
with no book value.



10
Notes to Interim Consolidated Financial Statements, continued

(5) For the three and nine month periods ended September 30, 2005,
includes $31,500,000 and $32,600,000, respectively, related to the
agreements with SBC, which is discussed in Note 3. In addition, for
the three and nine month 2005 periods includes income of $7,000,000
from the settlement of disputes with vendors and customers and income
of $2,200,000 related to the sale of an equity security which had a
zero book value. For the three and nine month periods ended September
30, 2004, includes income of $18,500,000 related to the settlement of
litigation for less than amounts reserved, income of $6,000,000
related to the sale of an equity security which had a zero book value
and income of $2,000,000 related to the reversal of excess reserves
for long-term commitments. In addition, the nine month period ended
September 30, 2004 includes a pre-tax gain of $2,800,000 related to
cash and securities received in excess of the book value of secured
claims in a customer's bankruptcy.

Certain information concerning the Company's segments for the three and
nine month periods ended September 30, 2005 and 2004 is presented in the
following table.
<TABLE>
<CAPTION>

For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
(In thousands)

<S> <C> <C> <C> <C>
Revenues and other income (a):
Telecommunications:
Network (b) $ 468,334 $ 402,271 $ 1,297,621 $1,134,144
Vyvx 31,209 33,531 92,372 92,915
ATX Communications, Inc. ("ATX") 40,406 -- 71,061 --
Healthcare Services 54,584 63,775 183,542 191,090
Banking and Lending 678 10,147 3,745 30,037
Manufacturing:
Plastics manufacturing 24,500 19,032 69,943 49,108
Idaho Timber Corporation ("ITC") 90,887 -- 154,419 --
Domestic Real Estate 4,824 27,282 22,116 53,097
Other Operations 30,743 5,861 45,869 20,813
Corporate (c) 96,643 76,556 172,530 155,600
Intersegment elimination (d) (5,920) (4,862) (15,033) (13,934)
--------- --------- ----------- ----------

Total consolidated revenues and other income $ 836,888 $ 633,593 $ 2,098,185 $1,712,870
========= ========= =========== ==========

Income (loss) from continuing operations before income taxes and equity in
income (losses) of associated companies:
Telecommunications:
Network (d) $ 49,175 $ 6,592 $ 54,966 $ (63,384)
Vyvx (d) 8,214 8,603 23,488 18,134
ATX (d) 951 -- 232 --
Healthcare Services 172 (403) 2,377 7,385
Banking and Lending (259) 8,823 429 23,389
Manufacturing:
Plastics manufacturing 4,344 3,988 12,289 7,250
ITC 4,463 -- 4,112 --
Domestic Real Estate 1,034 14,861 1,576 23,976
Other Operations 15,662 (6,122) 10,403 (6,934)
Corporate (c) 61,613 44,452 69,314 66,740
Intersegment elimination with discontinued operations (d) (133) -- (133) --
--------- --------- ----------- ---------

Total consolidated income from continuing
operations before income taxes and equity in income
(losses) of associated companies $ 145,236 $ 80,794 $ 179,053 $ 76,556
========= ========= =========== =========
</TABLE>


11
Notes to Interim Consolidated Financial Statements, continued

(a) Revenues and other income for each segment include amounts for
services rendered and products sold, as well as segment reported
amounts classified as investment and other income and net securities
gains on the Company's consolidated statements of operations.

(b) Includes services provided to SBC of $296,800,000 and $267,100,000,
respectively, for the three month periods ended September 30, 2005 and
2004, and $857,500,000 and $767,100,000, respectively, for the nine
month periods ended September 30, 2005 and 2004. In addition, for the
three and nine month periods ended September 30, 2005, includes
$31,500,000 and $32,600,000, respectively, of non-operating income
related to the new agreements with SBC, which is discussed in Note 3.

(c) Includes net securities gains of $75,800,000 and $49,200,000,
respectively, for the three month periods ended September 30, 2005 and
2004, and $123,500,000 and $110,700,000, respectively, for the nine
month periods ended September 30, 2005 and 2004.

(d) Eliminates intersegment revenues billed from Network to Vyvx of
$4,900,000 for each of the three month periods ended September 30,
2005 and 2004, and $13,500,000 and $13,900,000 for the nine month
periods ended September 30, 2005 and 2004, respectively, and
intersegment revenues billed from Network to ATX of $1,000,000 and
$1,500,000 for the three and nine month periods ended September 30,
2005, respectively, (including $100,000 in each period related to
ATX's discontinued operations). However, the intersegment revenues are
included in the calculation to determine segment profit from
operations and income (loss) from continuing operations for each of
Network, Vyvx and ATX.

For the three month periods ended September 30, 2005 and 2004, income from
continuing operations has been reduced by depreciation and amortization
expenses of $48,400,000 and $57,900,000, respectively; such amounts are
primarily comprised of Corporate ($2,700,000 and $2,300,000, respectively),
ATX ($2,400,000 in 2005), plastics manufacturing ($2,000,000 and
$1,300,000, respectively), ITC manufacturing ($2,000,000 in 2005) and
amounts related to WilTel's segments, which are disclosed above. For the
nine month periods ended September 30, 2005 and 2004, income from
continuing operations has been reduced by depreciation and amortization
expenses of $150,900,000 and $184,300,000, respectively; such amounts are
primarily comprised of Corporate ($8,000,000 and $9,100,000, respectively),
ATX ($4,200,000 in 2005), plastics manufacturing ($5,400,000 and
$3,900,000, respectively), ITC manufacturing ($4,400,000 in 2005) and
amounts related to WilTel's segments which are disclosed above.
Depreciation and amortization expenses for other segments are not material.

For the three month periods ended September 30, 2005 and 2004, income from
continuing operations has been reduced by interest expense of $25,300,000
and $26,900,000, respectively; such amounts are primarily comprised of
Corporate ($15,900,000 and $15,400,000, respectively), healthcare services
($700,000 and $500,000, respectively), banking and lending ($200,000 and
$500,000, respectively) and amounts related to WilTel's segments
($8,400,000 and $9,800,000, respectively). For the nine month periods ended
September 30, 2005 and 2004, income from continuing operations has been
reduced by interest expense of $75,200,000 and $72,400,000, respectively;
such amounts are primarily comprised of Corporate ($47,000,000 and
$39,700,000, respectively), healthcare services ($2,100,000 and $1,500,000,
respectively), banking and lending ($1,100,000 and $2,300,000,
respectively), and amounts related to WilTel's segments ($23,700,000 and
$26,900,000, respectively). Interest expense for other segments is not
material.

6. The following tables provide summarized data with respect to significant
investments in associated companies accounted for under the equity method
of accounting for the periods the investments were owned by the Company.
The information is provided for those investments whose relative
significance to the Company could result in the Company including separate
audited financial statements for such investments in its Annual Report on
Form 10-K for the year ended December 31, 2005 (in thousands).

12
Notes to Interim Consolidated Financial Statements, continued

<TABLE>
<CAPTION>

September 30, September 30,
2005 2004
------------- -----------
<S> <C> <C>
Olympus Re Holdings, Ltd.:
Total revenues $ 442,800 $ 392,500
Income (loss) from continuing operations before extraordinary items (346,500) 41,600
Net income (loss) (346,500) 41,600
The Company's equity in net income (loss) (69,700) 5,100

EagleRock Capital Partners (QP), LP:
Total revenues $ (16,800) $ 2,500
Income (loss) from continuing operations before extraordinary items (18,000) 1,700
Net income (loss) (18,000) 1,700
The Company's equity in net income (loss) (13,500) 1,400

Jefferies Partners Opportunity Fund II, LLC:
Total revenues $ 31,600 $ 20,300
Income from continuing operations before extraordinary items 29,300 18,300
Net income 29,300 18,300
The Company's equity in net income 19,500 12,700
</TABLE>

During the third quarter of 2005, Olympus Re Holdings, Ltd. recorded
significant losses as a result of estimated insurance claims from
hurricanes Katrina and Rita. Estimated losses from hurricane Wilma, which
occurred in October 2005, are not included in the table above.

7. A summary of investments at September 30, 2005 and December 31, 2004 is as
follows (in thousands):

<TABLE>
<CAPTION>

September 30, 2005 December 31, 2004
------------------------------- -----------------------------
Carrying Value Carrying Value
Amortized and Estimated Amortized and Estimated
Cost Fair Value Cost Fair Value
--------- ------------ --------- ------------

<S> <C> <C> <C> <C>
Current Investments:
Investments available for sale $ 880,810 $ 880,165 $ 939,175 $ 939,313
Trading securities 98,055 103,649 148,602 159,616
Other investments, including accrued interest income 8,213 8,213 7,393 7,393
--------- ---------- ---------- -----------

Total current investments $ 987,078 $ 992,027 $1,095,170 $ 1,106,322
========= ========== ========== ===========

Non-current Investments:
Investments available for sale $ 487,162 $ 633,267 $ 432,207 $ 676,051
Other investments 168,344 168,344 50,731 50,731
--------- ---------- ---------- -----------

Total non-current investments $ 655,506 $ 801,611 $ 482,938 $ 726,782
========= ========== ========== ===========
</TABLE>

8. A summary of intangible assets, net and goodwill at September 30, 2005 and
December 31, 2004 is as follows (in thousands):

<TABLE>
<CAPTION>
September 30, December 31,
2005 2004
----------- ----------
<S> <C> <C>

Customer relationships, net of accumulated amortization of $3,858 and $491 $ 58,676 $ 1,472
Trademarks and tradename, net of accumulated amortization of $227 4,933 --
Patents, net of accumulated amortization of $104 2,226 --
Software, net of accumulated amortization of $446 4,654 --
Other intangible assets, net of accumulated amortization of $427 1,677 --
Goodwill 11,532 --
----------- --------
$ 83,698 $ 1,472
=========== ========
</TABLE>
13
Notes to Interim Consolidated Financial Statements, continued

The net carrying amount of intangible assets increased due to acquisitions
made during 2005, and are being amortized on a straight-line basis over
their average useful lives. See Note 14 for further information.

Amortization expense on intangible assets was $2,400,000 and $600,000,
respectively, for the three month periods ended September 30, 2005 and
2004, and $5,400,000 and $1,700,000, respectively, for the nine month
periods ended September 30, 2005 and 2004. The estimated aggregate future
amortization expense for the intangible assets for each of the next five
years is as follows (in thousands): 2005 (for the remaining three months) -
$2,400,000; 2006 - $9,800,000; 2007 - $8,600,000; 2008 - $8,100,000; and
2009 - $8,100,000.

At September 30, 2005, goodwill was comprised of $3,400,000 and $8,200,000
within the ATX telecommunications and plastics manufacturing segments,
respectively.

9. A summary of accumulated other comprehensive income (loss), net of taxes at
September 30, 2005 and December 31, 2004 is as follows (in thousands):

<TABLE>
<CAPTION>

September 30, December 31,
2005 2004
------------- -----------
<S> <C> <C>
Net unrealized gains on investments $ 57,378 $ 153,196
Net unrealized foreign exchange gains (losses) (493) 14,309
Net unrealized losses on derivative instruments (1,360) (3,755)
Net minimum pension liability (27,612) (27,612)
---------- ----------
$ 27,913 $ 136,138
========== ==========
</TABLE>

10. Investment and other income includes changes in the fair values of
derivative financial instruments of $1,600,000 and $(1,300,000),
respectively, for the three month periods ended September 30, 2005 and
2004, and $1,500,000 for the nine month period ended September 30, 2005.
Such amount for the nine month period ended September 30, 2004 was not
material.

11. Pension expense charged to operations for the three and nine month periods
ended September 30, 2005 and 2004 related to the defined benefit pension
plan (other than WilTel's plan) included the following components (in
thousands):
<TABLE>
<CAPTION>

For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
<S> <C> <C> <C> <C>
Interest cost $ 511 $ 532 $1,534 $ 1,595
Expected return on plan assets (222) (448) (679) (1,343)
Actuarial loss 220 144 636 432
Amortization of prior service cost 1 1 3 2
------- ------ ------ --------
Net pension expense $ 510 $ 229 $1,494 $ 686
======= ====== ====== ========
</TABLE>

WilTel's pension expense charged to operations for the three and nine month
periods ended September 30, 2005 and 2004 related to the defined benefit
pension plan included the following components (in thousands):

<TABLE>
<CAPTION>

For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
<S> <C> <C> <C> <C>
Interest cost $ 2,954 $ 2,648 $ 7,057 $ 5,872
Service cost 1,528 1,258 3,459 2,985
Expected return on plan assets (2,229) (2,123) (4,882) (4,044)
Actuarial loss 2,327 35 2,350 35
------- ------- ------- -------
Net pension expense $ 4,580 $ 1,818 $ 7,984 $ 4,848
======= ======= ======= =======
</TABLE>
14
Notes to Interim Consolidated Financial Statements, continued

During the third quarter of 2005, WilTel received the final 2005 actuarial
valuation for its defined benefit pension plan, and recorded an increase in
pension expense.

Employer contributions to WilTel's defined benefit pension plan were
$18,200,000 during the first nine months of 2005.

Several subsidiaries provide certain healthcare and other benefits to
certain retired employees under plans which are currently unfunded. The
Company pays the cost of postretirement benefits as they are incurred.
Amounts charged to expense were not material in each of the three and nine
month periods ended September 30, 2005 and 2004.

12. Per share amounts were calculated by dividing income (loss) by the sum of
the weighted average number of common shares outstanding and, for diluted
earnings (loss) per share, the incremental weighted average number of
shares issuable upon exercise of outstanding options and warrants for the
periods they were outstanding. In addition, the calculations of diluted
earnings (loss) per share assume the 3 3/4% Convertible Notes had been
converted into common shares for the periods they were outstanding and
earnings increased for the interest on such notes, net of the income tax
effect. The number of shares used to calculate basic earnings (loss) per
share amounts was 107,856,000 and 106,717,000 for the three month periods
ended September 30, 2005 and 2004, respectively, and 107,717,000 and
106,459,000 for the nine month periods ended September 30, 2005 and 2004,
respectively. The number of shares used to calculate diluted earnings
(loss) per share amounts was 115,723,000 and 115,072,000 for the three
month periods ended September 30, 2005 and 2004, respectively, and
115,590,000 and 111,891,000 for the nine month periods ended September 30,
2005 and 2004, respectively.

13. Cash paid for interest and net income taxes paid (refunded) was $83,900,000
and $3,900,000, respectively, for the nine month period ended September 30,
2005 and $74,200,000 and $(27,500,000), respectively, for the nine month
period ended September 30, 2004.

14. In February 2005, the plastics manufacturing segment acquired the assets of
NSW, LLC U.S. ("NSW") for a purchase price of approximately $26,800,000,
subject to working capital adjustments, and recorded an aggregate of
$10,200,000 of intangible assets and $8,200,000 of goodwill. NSW has a
manufacturing and distribution facility in Roanoke, Virginia, which
manufactures a variety of products including produce and packaging nets,
header label bags, case liners and heavy weight nets for drainage and
erosion control purposes. The NSW intangible assets will be amortized on a
straight-line basis over the following average useful lives: customer
relationships - 12 years, trademarks and tradename - 15 years, patents - 15
years and other intangible assets - 5 years.

The bankruptcy plan (the "Plan") of ATX Communications, Inc. and certain of
its affiliates (collectively "ATX") was confirmed by the Bankruptcy Court
for the Southern District of New York and became effective on April 22,
2005. The Company has consolidated ATX since the effective date of the
Plan. ATX is an integrated communications provider that offers local
exchange carrier and inter-exchange carrier telephone, Internet, high-speed
data and other communications services to business and residential
customers in targeted markets throughout the Mid-Atlantic region of the
United States.

In December 2003, the Company purchased all of ATX's debt obligations under
its senior secured credit facility for $25,000,000. As contemplated by the
Plan, in exchange for its investment in the credit facility the Company
received 94.4% of the new common stock of the reorganized ATX and a new
$25,000,000 senior secured note which bears interest at 10%. In addition,
the Company provided ATX $5,000,000 of debtor-in-possession financing and
$25,000,000 of exit financing to fund bankruptcy related payments and
working capital requirements. On behalf of ATX, the Company also obtained
cash collateralized letters of credit totaling $14,700,000 issued for the
benefit of one of ATX's vendors. The requirement to provide the letters of
credit will decline over a period of years, commencing in 2006. The
aggregate purchase price for ATX was $56,300,000, which includes all the
financing provided to ATX by the Company and acquisition expenses.

15
Notes to Interim Consolidated Financial Statements, continued

Based upon its preliminary allocation of the purchase price, the Company
has recorded ATX intangible assets of $20,400,000 and goodwill of
$3,400,000. The intangible assets will be amortized on a straight-line
basis over the following average useful lives: trademarks - 10 years,
customer relationships - 7 years, software - 5 years, and other intangibles
- 2 years. The Company will not finalize its allocation of the purchase
price until an independent third-party appraisal of the fair value of the
assets acquired is completed. When finalized, any changes to the
preliminary purchase price allocation could result in changes to property
and equipment, identifiable intangible assets and/or goodwill. However, the
Company does not expect that its final allocation of the purchase price
will be materially different from the preliminary allocation.

In May 2005, the Company acquired Idaho Timber Corporation and certain
affiliated entities ("ITC") for total cash consideration of $133,600,000,
including working capital adjustments and expenses. The Company has
consolidated ITC from the date of acquisition. ITC was a privately held
corporation that is headquartered in Boise, Idaho, which "remanufactures"
dimensional lumber, home center boards, 5/4" radius-edge decking and a
number of specialized products. ITC operates ten facilities located
throughout the United States, and its revenue is principally derived from
the purchase of bundles of low-grade lumber on the spot market, and the
conversion of that lumber into higher-grade lumber through sorting and
minor rework.

Based upon its preliminary allocation of the purchase price, the Company
has recorded ITC intangible assets of $45,100,000. The intangible assets
will be amortized on a straight-line basis over the following average
useful lives: customer relationships - 10 years, and other intangibles - 1
year. The Company will not finalize its allocation of the purchase price
until an independent third-party appraisal of the fair value of the assets
acquired is completed. When finalized, any changes to the preliminary
purchase price allocation could result in changes to property and equipment
and/or identifiable intangible assets. However, the Company does not expect
that its final allocation of the purchase price will be materially
different from the preliminary allocation.

Unaudited pro forma operating results for the Company, assuming the
acquisitions of ATX and ITC had occurred as of the beginning of each period
presented below are as follows (in thousands, except per share amounts):

<TABLE>
<CAPTION>

For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
<S> <C> <C> <C> <C>

Revenues $ 836,900 $784,500 $ 2,270,000 $ 2,146,600
Income before extraordinary items and cumulative
effect of a change in accounting principles $ 104,100 $ 85,700 $ 1,383,100 $ 129,600
Net income $ 104,100 $ 85,700 $ 1,383,100 $ 129,600
Per Share:
Basic $.96 $ .80 $12.84 $1.22
Diluted $.93 $ .77 $12.06 $1.19
</TABLE>

Prior to its acquisition by the Company, during 2005 ITC recorded aggregate
expenses of $6,500,000 for consulting and advisory fees, legal and
accounting fees, incentive compensation and other items all related to
ITC's efforts to sell the company. Substantially all of these costs are
included in their historical results for the second quarter of 2005.

Pro forma adjustments principally reflect the preliminary allocation of the
purchase price to the difference between the fair value and book value of
property and equipment, resulting in increases or decreases to historical
depreciation expense, and the allocation to identifiable intangible assets
discussed above, resulting in increased amortization expense. For ATX, the
pro forma adjustments also include the elimination of net reorganization
items, which principally resulted from a gain recognized upon the discharge
of ATX indebtedness in bankruptcy, fresh start accounting adjustments and
bankruptcy related professional fees, and the reversal of historical
interest expense related to indebtedness that was discharged in bankruptcy.
The increase or (decrease) to historical income from the pro forma
adjustments is as follows (in thousands):

16
Notes to Interim Consolidated Financial Statements, continued
<TABLE>
<CAPTION>

For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
---- ---- ---- ----
<S> <C> <C> <C> <C>

Depreciation and amortization expenses $ -- $ (2,900) $ (5,000) $ (9,500)
Reorganization items $ -- $ 2,000 $ (200) $ 22,400

</TABLE>

The unaudited pro forma data is not indicative of future results of
operations or what would have resulted if the acquisitions of ATX and ITC
had actually occurred as of the beginning of the periods presented.
Unaudited pro forma data for NSW is not included as the amounts were not
material.

15. In May 2005, the Company sold its 716-room Waikiki Beach hotel and related
assets for an aggregate purchase price of $107,000,000, before closing
costs and other required payments. After satisfaction of mortgage
indebtedness on the hotel of $22,100,000 at closing, the Company received
net cash proceeds of approximately $73,000,000, and recorded a pre-tax gain
of $56,600,000 (reflected in discontinued operations) for the nine month
period ended September 30, 2005. Historical operating results for the hotel
have not been material.

16. In May 2005, an entity in which the Company has a non-controlling equity
interest ("Union Square") sold its interest in an office complex located on
Capitol Hill in Washington, D.C. and the Company recognized a pre-tax gain
of $71,900,000 for the nine month period ended September 30, 2005. The gain
is reported in the caption equity in income of associated companies. The
Company's share of the net proceeds is $72,800,000, all of which was
received except for $1,000,000 that remains in escrow and is expected to be
received during the fourth quarter of 2005.

17. In August 2005, the Company consummated the merger with its 72.1% owned
subsidiary, MK Resources Company ("MK"), whereby the Company acquired the
remaining outstanding MK common shares for aggregate merger consideration
of approximately 333,500 of the Company's common shares (valued at
$12,900,000 in the aggregate). As a result of the merger, MK is now a
wholly-owned subsidiary of the Company, and MK's securities are no longer
publicly traded.

Following the merger, MK completed the sale to Inmet Mining Corporation
("Inmet"), a Canadian-based global mining company, of 70% of MK's interest
in Cobre Las Cruces, S.A. ("CLC"), a wholly-owned Spanish subsidiary of MK
that holds the exploration and mineral rights to the Las Cruces copper
deposit in the Pyrite Belt of Spain. Inmet acquired the interest in CLC in
exchange for 5,600,000 newly issued Inmet common shares, representing
approximately 11.7% of the outstanding Inmet common shares immediately
following completion of the transaction. The Inmet shares have the benefit
of a registration rights agreement; however, the shares may not be
transferred or sold to a third party until the earlier of August 2009 or
the date on which the Company is no longer obligated under the guarantee
discussed below. The Inmet shares were recorded at their fair value on the
date of receipt of approximately $78,000,000, and have been classified as
non-current other investments. The fair value of the Inmet common stock was
determined to be approximately 90% of the then current trading price, as a
result of the transferability restrictions. The Inmet shares will be
carried at the initially recorded value (unless there is an other than
temporary impairment) until one year prior to the termination of the
transfer restrictions. The Company recorded a pre-tax gain on the sale of
$10,500,000, which is reflected in the caption investment and other income.

17
Notes to Interim Consolidated Financial Statements, continued

In August 2005, the Company and Inmet signed a commitment letter with third
party lenders for project financing consisting of a ten year senior secured
credit facility of up to $240,000,000 and a senior secured bridge credit
facility of up to (euro)69,000,000 to finance subsidies and value-added
tax. CLC will be the borrower under both facilities. Under the terms of the
commitment letter the Company and Inmet will guarantee 30% and 70%,
respectively, of the obligations outstanding under both facilities until
completion of the project as defined under the project financing. The
Company and Inmet have also committed to provide financing to CLC which is
estimated to be $159,000,000, of which the Company's share will be 30%
($10,700,000 of which has been loaned as of September 30, 2005).

18. During the third quarter of 2005, the Company's banking and lending
subsidiary sold its remaining customer deposits and surrendered its
national bank charter. As of September 30, 2005, the banking and lending
segment had outstanding loans of $3,100,000.

19. Debt due within one year includes $80,100,000 and $21,000,000 as of
September 30, 2005 and December 31, 2004, respectively, relating to
repurchase agreements. These fixed rate repurchase agreements have a
weighted average interest rate of approximately 3.9%, mature at various
dates during the first quarter of 2006 and are secured by investments with
a carrying value of $83,200,000. In addition, as a result of an amendment
to the WilTel credit agreement in September 2005, $67,300,000 of the term
loan has been classified as due within one year.

20. On October 30, 2005, the Company and its subsidiary, Baldwin Enterprises,
Inc. ("Baldwin") entered into a purchase agreement with Level 3
Communications Inc. ("Level 3") and its subsidiary, Level 3 Communications,
LLC, pursuant to which Level 3 would purchase all of the membership
interests in WilTel, excluding certain specified WilTel assets and
liabilities. Closing of the transaction is subject to customary closing
conditions and regulatory approval, which is expected to be received in the
first quarter of 2006.

The Company estimates that it will realize net value of approximately
$750,000,000 and record a gain of $150,000,000, based upon the current
value of the cash and stock consideration to be received from Level 3,
together with the estimated value of the retained assets and retained
liabilities discussed below and certain other adjustments.

The Level 3 consideration consists of $370,000,000 in cash, plus
$100,000,000 in cash to reflect the Company's obligation to leave that
amount of cash in WilTel, and 115,000,000 newly issued shares of Level 3
common stock (with a market value of $310,500,000, based on a $2.70 per
share closing price of Level 3 common stock on October 28, 2005, the last
trading day before the purchase was announced), subject to adjustment for
minimum working capital on December 31, 2005, which is not expected to be
material. Level 3 has a cash substitution right that allows it to pay
additional cash consideration instead of common stock, at a price per share
equal to the greater of $2.35 per share and the volume weighted average per
share sales prices of Level 3 common stock for the 10 day period preceding
the closing. Level 3 also has the right to reduce the stock portion of the
purchase price by $80,000,000, using the same value for the Level 3 common
stock as used in the cash substitution right, if it chooses to retain
responsibility for WilTel's defined benefit pension plan and supplemental
retirement plan. The Level 3 common stock will have the benefit of a
registration rights agreement and is subject to a transfer restriction that
limits the number of shares the Company can sell (with certain exceptions)
on any given day for a period of approximately 150 days from the closing.
Level 3 will be required to file a registration statement covering the
shares to be issued to the Company within 2 business days of the closing.

18
Notes to Interim Consolidated Financial Statements, continued

On or prior to the closing WilTel will transfer certain retained assets to
Baldwin and Baldwin will assume certain retained liabilities. The retained
assets include all cash and cash equivalents in excess of $100,000,000 at
December 31, 2005, all marketable securities, WilTel's headquarters
building located in Tulsa, Oklahoma and certain other miscellaneous assets.
In addition, WilTel will assign to Baldwin all of its right to receive the
$236,000,000 in cash payments from SBC discussed in Note 3 above. The
retained liabilities include all of WilTel's long-term debt obligations,
WilTel's obligations under its defined benefit pension plan and
supplemental retirement plan (subject to the substitution right referred to
above), certain other employee related liabilities and other claims. The
agreement requires payment in full of WilTel's obligations under its credit
agreement ($357,500,000 principal amount outstanding) and for the Company
to obtain a release for WilTel from any obligation under the outstanding
mortgage note secured by its headquarters building ($59,700,000 principal
amount outstanding). As a result, in November 2005, the Company loaned
$220,000,000 to WilTel that, when combined with its existing liquidity,
enabled WilTel to pay these obligations in full while retaining
approximately $100,000,000 of cash and cash equivalents for its liquidity
needs. During the fourth quarter of 2005 the Company expects to classify
WilTel as a discontinued operation.

The agreement requires that all parties make the appropriate filings to
treat the purchase of WilTel's membership interest as a purchase of assets
for federal, state and local income and franchise tax purposes. As a
result, WilTel's operating loss carryforwards, including any tax loss
carryforwards generated by the sale, will remain with the Company. Based on
the current value of the stock portion of the purchase price, the Company
estimates that after the closing it will have a federal net operating loss
carryforward of approximately $4.9 billion, which is subject to
qualifications, limitations and uncertainties as discussed in the Company's
2004 Form 10-K.


19
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations.

The following should be read in conjunction with the Management's Discussion and
Analysis of Financial Condition and Results of Operations included in the 2004
10-K.

Liquidity and Capital Resources

For the nine month period ended September 30, 2005, net cash was provided by
operations principally as a result of the collection of a receivable related to
a former partnership interest, as discussed below, distributions from associated
companies and a decrease in the Company's investment in the trading portfolio.
For the nine month period ended September 30, 2004, net cash was provided by
operations principally as a result of distributions from associated companies,
the pre-funding by SBC of certain of WilTel's capital expenditures, the refund
of excess federal income tax payments and an increase in accounts payable due to
the timing of payments.

As of September 30, 2005, the Company's readily available cash, cash equivalents
and marketable securities, excluding amounts held by its non-regulated
subsidiaries that are parties to agreements which restrict the payment of
dividends, totaled $1,747,500,000. This amount is comprised of cash and
short-term bonds and notes of the United States Government and its agencies of
$1,169,000,000 (66.9%), 200,000 common shares of White Mountains Insurance
Group, Ltd. ("WMIG") of $120,800,000 (6.9%), all of which was sold in November
2005, and other publicly traded debt and equity securities aggregating
$457,700,000 (26.2%).

In June 2005, the Company's 8 1/4% senior subordinated notes, which had an
outstanding principal amount of $19,100,000, matured. The Company repaid these
notes and the related accrued interest with readily available cash resources.

As of September 30, 2005, the Company had outstanding $80,100,000 of fixed rate
repurchase agreements (an increase of $59,100,000 from December 31, 2004). These
repurchase agreements, which are reflected in debt due within one year, have a
weighted average interest rate of approximately 3.9%, mature at various dates
during the first quarter of 2006 and are secured by investments with a carrying
value of $83,200,000.

As of September 30, 2005, WilTel had aggregate cash and investments of
$298,600,000, an increase of $58,900,000 from December 31, 2004. The increase
during this period reflects WilTel's positive operating results, reduced by
WilTel's capital expenditures of $79,100,000. Substantially all of WilTel's
assets have been pledged to secure its outstanding long-term debt, principally
to secure its obligations under its credit agreement ($357,500,000 outstanding
as of September 30, 2005) and its mortgage debt ($59,700,000 outstanding at
September 30, 2005).

On June 15, 2005, WilTel and SBC reached an agreement, pursuant to which the
existing alliance agreements between WilTel and SBC were terminated and a new
Master Services Agreement and a Termination, Mutual Release and Settlement
Agreement were entered into. In exchange for the termination of the existing
alliance agreements and the exchange of mutual releases, WilTel will receive
aggregate cash payments from SBC of $236,000,000. Of this amount, $11,000,000 is
payable on January 3, 2006, and the balance is payable in twelve equal monthly
installments beginning on the earlier of April 30, 2006 or the closing or
termination of SBC's agreement to acquire AT&T. SBC also agreed to minimum
purchase commitments for WilTel services and other performance based payments
which are discussed in results of operations below.

WilTel is a party to various legal actions and claims, and has reserved
$20,300,000 for the satisfaction of all litigation. Certain of these actions
relate to the rights of way licensed to WilTel in connection with the
installation of its fiber-optic cable and seek damages from WilTel for failure
to obtain all necessary landowner consents. Additional right of way claims may
be asserted against WilTel. The Company does not believe that the ultimate
resolution of all claims, legal actions and complaints will have a material
adverse effect upon WilTel's results of operations, although unfavorable
outcomes could significantly impact WilTel's liquidity.

20
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

As more fully described in the 2004 10-K, operating activities at the banking
and lending segment had been concentrated on maximizing returns on its
investment portfolio, collecting and servicing its remaining loan portfolios and
discharging deposit liabilities as they come due. During 2005, the Company's
banking and lending subsidiary filed a formal plan with the Office of the
Comptroller of the Currency to liquidate its operations and surrender its
national bank charter. During the third quarter of 2005, the Company's banking
and lending subsidiary sold its remaining customer deposits and surrendered its
national bank charter. As of September 30, 2005, the banking and lending segment
had outstanding loans of $3,100,000.

As of December 31, 2004, the Company redeemed its interest in Pershing Square,
L.P. ("Pershing"), a limited partnership that is authorized to engage in a
variety of investing activities. The total amount due from Pershing of
$71,300,000 was included in trade, notes and other receivables, net in the
Company's consolidated balance sheet at December 31, 2004. Such amount was
received in cash during the first quarter of 2005.

In February 2005, the plastics manufacturing segment acquired the assets of NSW
for approximately $26,800,000, subject to working capital adjustments. NSW has a
manufacturing and distribution facility in Roanoke, Virginia, and for its year
ended December 31, 2004 generated annual sales of approximately $20,000,000.
Products manufactured by NSW include produce and packaging nets, header label
bags, case liners and heavy weight nets for drainage and erosion control
purposes. The funds for the acquisition were provided from the Company's readily
available cash resources.

In April 2005, the Company acquired ATX upon the effectiveness of its bankruptcy
plan for approximately $56,300,000, including expenses, of which $25,300,000 was
spent in 2005 and the balance was spent during 2003 and 2004. ATX is an
integrated communications provider that offers local exchange carrier and
inter-exchange carrier telephone, Internet, high-speed data and other
communications services to business and residential customers in targeted
markets throughout the Mid-Atlantic region of the United States.

In May 2005, the Company acquired ITC for total cash consideration of
$133,600,000, including working capital adjustments and expenses. ITC
"remanufactures" dimensional lumber, home center boards, 5/4" radius-edge
decking and a number of specialized products and operates ten facilities located
throughout the United States. Its revenue is principally derived from the
purchase of bundles of low-grade lumber on the spot market, and the conversion
of that lumber into higher-grade lumber through sorting and minor rework. The
funds for the acquisition were provided from the Company's readily available
cash resources.

In May 2005, the Company sold its 716-room Waikiki Beach hotel and related
assets for an aggregate purchase price of $107,000,000 (before closing costs and
other required payments). After satisfaction of mortgage indebtedness on the
hotel of $22,100,000 at closing, the Company received net cash proceeds of
approximately $73,000,000.

In May 2005, an entity in which the Company has a non-controlling equity
interest ("Union Square") sold its interest in an office complex located on
Capitol Hill in Washington, D.C. The Company's share of the net proceeds is
$72,800,000, all of which was received except for $1,000,000 that remains in
escrow and is expected to be received during the fourth quarter of 2005.

In August 2005, the Company consummated the merger with its 72.1% owned
subsidiary, MK Resources Company ("MK"), whereby the Company acquired the
remaining outstanding MK common shares for aggregate merger consideration of
approximately 333,500 of the Company's common shares (valued at $12,900,000 in
the aggregate). As a result of the merger, MK is now a wholly-owned subsidiary
of the Company, and MK's securities are no longer publicly traded.

21
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Following the merger, MK completed the sale to Inmet Mining Corporation
("Inmet"), a Canadian-based global mining company, of 70% of MK's interest in
Cobre Las Cruces, S.A. ("CLC"), a wholly-owned Spanish subsidiary of MK that
holds the exploration and mineral rights to the Las Cruces copper deposit in the
Pyrite Belt of Spain. Inmet acquired the interest in CLC in exchange for
5,600,000 newly issued Inmet common shares, representing approximately 11.7% of
the outstanding Inmet common shares immediately following completion of the
transaction. The Inmet shares have the benefit of a registration rights
agreement; however, the shares may not be transferred or sold to a third party
until the earlier of August 2009 or the date on which the Company is no longer
obligated under the guarantee discussed below. The Inmet shares were recorded at
their fair value on the date of receipt of approximately $78,000,000, and have
been classified as non-current other investments.

In August 2005, the Company and Inmet signed a commitment letter with third
party lenders for project financing consisting of a ten year senior secured
credit facility of up to $240,000,000 and a senior secured bridge credit
facility of up to (euro)69,000,000 to finance subsidies and value-added tax. CLC
will be the borrower under both facilities. Under the terms of the commitment
letter the Company and Inmet will guarantee 30% and 70%, respectively, of the
obligations outstanding under both facilities until completion of the project as
defined under the project financing. The Company and Inmet have also committed
to provide financing to CLC which is estimated to be $159,000,000, of which the
Company's share will be 30% ($10,700,000 of which has been loaned as of
September 30, 2005).

As discussed above, on October 30, 2005, the Company and Baldwin entered into a
purchase agreement with Level 3 and its subsidiary, pursuant to which Level 3
would purchase all of the membership interests in WilTel, excluding certain
specified WilTel assets and liabilities. Closing of the transaction is subject
to customary closing conditions and regulatory approval, which is expected to be
received in the first quarter of 2006.

The Company estimates that it will realize net value of approximately
$750,000,000 and record a gain of $150,000,000, based upon the current value of
the cash and stock consideration to be received from Level 3, together with the
estimated value of the retained assets and retained liabilities discussed below
and certain other adjustments.

The Level 3 consideration consists of $370,000,000 in cash, plus $100,000,000 in
cash to reflect the Company's obligation to leave that amount of cash in WilTel,
and 115,000,000 newly issued shares of Level 3 common stock (with a market value
of $310,500,000, based on a $2.70 per share closing price of Level 3 common
stock on October 28, 2005, the last trading day before the purchase was
announced), subject to adjustment for minimum working capital on December 31,
2005, which is not expected to be material. Level 3 has a cash substitution
right that allows it to pay additional cash consideration instead of common
stock, at a price per share equal to the greater of $2.35 per share and the
volume weighted average per share sales prices of Level 3 common stock for the
10 day period preceding the closing. Level 3 also has the right to reduce the
stock portion of the purchase price by $80,000,000, using the same value for the
Level 3 common stock as used in the cash substitution right, if it chooses to
retain responsibility for WilTel's defined benefit pension plan and supplemental
retirement plan. The Level 3 common stock will have the benefit of a
registration rights agreement and is subject to a transfer restriction that
limits the number of shares the Company can sell (with certain exceptions) on
any given day for a period of approximately 150 days from the closing. Level 3
will be required to file a registration statement covering the shares to be
issued to the Company within 2 business days of the closing.

On or prior to the closing WilTel will transfer certain retained assets to
Baldwin and Baldwin will assume certain retained liabilities. The retained
assets include all cash and cash equivalents in excess of $100,000,000 at
December 31, 2005, all marketable securities, WilTel's headquarters building
located in Tulsa, Oklahoma and certain other miscellaneous assets. In addition,
WilTel will assign to Baldwin all of its right to receive the $236,000,000 in
cash payments from SBC discussed above. The retained liabilities include all of
WilTel's long-term debt obligations, WilTel's obligations under its defined
benefit pension plan and supplemental retirement plan (subject to the
substitution right referred to above), certain other employee related
liabilities and other claims.

22
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

The agreement requires payment in full of WilTel's obligations under its credit
agreement and for the Company to obtain a release for WilTel from any obligation
under the outstanding mortgage note secured by its headquarters building. As a
result, in November 2005, the company loaned $220,000,000 to WilTel that, when
combined with its existing liquidity, enabled WilTel to pay these obligations in
full while retaining approximately $100,000,000 of cash and cash equivalents for
its liquidity needs. During the fourth quarter of 2005 the Company expects to
classify WilTel as a discontinued operation.

The agreement requires that all parties make the appropriate filings to treat
the purchase of WilTel's membership interest as a purchase of assets for
federal, state and local income and franchise tax purposes. As a result,
WilTel's operating loss carryforwards, including any tax loss carryforwards
generated by the sale, will remain with the Company. Based on the current value
of the stock portion of the purchase price, the Company estimates that after the
closing it will have a federal net operating loss carryforward of approximately
$4.9 billion, which is subject to qualifications, limitations and uncertainties
as discussed in the Company's 2004 Form 10-K.

Critical Accounting Estimates

The Company's discussion and analysis of its financial condition and results of
operations are based upon its consolidated financial statements, which have been
prepared in accordance with GAAP. The preparation of these financial statements
requires the Company to make estimates and assumptions that affect the reported
amounts in the financial statements and disclosures of contingent assets and
liabilities. In its 2004 10-K, the Company identified certain areas as critical
accounting estimates because they have the potential to have a material impact
on the Company's financial statements, and because they are based on assumptions
which are used in the accounting records to reflect, at a specific point in
time, events whose ultimate outcome will not be known until a later date. On an
on-going basis, the Company evaluates all of these estimates and assumptions.

Impairment of Long-Lived Assets - In accordance with SFAS 144, the Company
evaluates its long-lived assets for impairment whenever events or changes in
circumstances indicate, in management's judgment, that the carrying value of
such assets may not be recoverable. When testing for impairment, the Company
groups its long-lived assets with other assets and liabilities at the lowest
level for which identifiable cash flows are largely independent of the cash
flows of other assets and liabilities (or asset group). The determination of
whether an asset group is recoverable is based on management's estimate of
undiscounted future cash flows directly attributable to the asset group as
compared to its carrying value. If the carrying amount of the asset group is
greater than the undiscounted cash flows, an impairment loss would be recognized
for the amount by which the carrying amount of the asset group exceeds its
estimated fair value.

As discussed above, on January 31, 2005, SBC announced that it would buy AT&T
and announced its intention to migrate the services provided by WilTel to the
AT&T network. Since SBC is WilTel's largest customer, accounting for 70% of the
Network segment's 2005 telecommunications revenues, the Company concluded that
the SBC announcement is an event which requires the Company to assess the
carrying value of WilTel's long-lived assets for impairment, principally
property and equipment. Since the event which gave rise to the impairment review
occurred on January 31, 2005, and is not reflective of a condition that existed
as of December 31, 2004, the assessment of impairment was performed as part of
the preparation of the Company's financial statements for the first quarter of
2005. Based on the assumptions described below, the Company concluded that an
impairment charge was not required.

The Company determined that WilTel's fiber optic communications network is the
lowest level for which identifiable cash flows are largely independent of the
cash flows of other assets and liabilities. The asset group is primarily
composed of fiber optic cable, conduit, rights of way, optronics and certain
buildings and related improvements. These assets are used together to generate
joint cash flows. The Company has determined that the primary asset of the group
is fiber optic cable, which has a remaining weighted average useful life of 16
years.


23
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

The fiber optic cable is considered to be the primary asset of the group as it
is the most significant component of the group, the principal asset from which
the asset group derives its cash flow generating capacity, would cost the most
to replace and without which most of the assets in the group would not have been
acquired. The determination of the primary asset of the asset group is
significant because estimated cash flows used to test for recoverability are
based on the estimated remaining useful life of the primary asset. The carrying
value of the asset group that was tested for impairment was approximately
$920,000,000.

The Company utilized WilTel's internal estimates of future cash flows from all
of its customers over the remaining useful life of the primary asset. These
assumptions reflected estimated future operating results and considered all
relevant facts and circumstances. The economics and term of WilTel's future
relationship with SBC were the most significant assumptions in the analysis. The
agreements entered into between WilTel and SBC during the second quarter of 2005
have confirmed the validity of the assumptions. The analysis did not assume that
the Company would enter into the agreement to sell WilTel described above, which
if consummated is expected to result in a gain on the assets sold. However, if
that transaction is not consummated, and if WilTel's actual cash flows in the
future are materially less than the amounts used for its impairment analysis, or
other events occur which have a material adverse affect on WilTel's business or
ability to generate future cash flows, the Company would have to prepare a new
impairment analysis and may conclude that this asset group is impaired.

Income Taxes - The Company records a valuation allowance to reduce its deferred
tax asset to the amount that is more likely than not to be realized. If the
Company were to determine that it would be able to realize its deferred tax
asset in the future in excess of its net recorded amount, an adjustment would
increase income in such period. Similarly, if the Company were to determine that
it would not be able to realize all or part of its deferred tax asset in the
future, an adjustment would be charged to income in such period. The Company
also records reserves for contingent tax liabilities based on the Company's
assessment of the probability of successfully sustaining its tax filing
positions.

As more fully discussed in the 2004 10-K, at acquisition the Company established
a valuation allowance that reserved for substantially all of WilTel's net
deferred tax asset, because the Company could not demonstrate it would have the
future taxable income necessary to realize that asset. The Company's projections
of consolidated taxable income and its assessment of the need for a full
valuation allowance for the deferred tax asset had been significantly influenced
by the fact that it had not yet generated positive cumulative pre-tax income
over a period of years on a pro forma combined basis with WilTel, and the
uncertainty of WilTel's relationship with SBC in the future. During the second
quarter of 2005, WilTel entered into new agreements with SBC that significantly
reduced uncertainty surrounding WilTel's future profitability. Additionally,
taxable income from the Company's other operations and investments, when added
to WilTel's on a pro forma combined basis, have now achieved positive cumulative
pre-tax income for the Company. The Company has prepared updated projections of
future taxable income and has concluded that it is more likely than not that it
will have future taxable income sufficient to realize a portion of the Company's
net deferred tax asset, and in June 2005 reversed $1,110,000,000 of the
valuation allowance as a credit to income tax expense.

The Company's conclusion that a portion of the deferred tax asset was more
likely than not to be realizable was strongly influenced by its historical
ability to generate significant amounts of taxable income. The Company's
estimate of future taxable income considered all available evidence, both
positive and negative, about its current operations and investments, included an
aggregation of individual projections for each material operation and
investment, incorporated the assumptions used by WilTel for its impairment
analysis (updated for the new SBC agreements) and included all future years
(through 2024) that the Company estimated it would have available net operating
loss carryforwards. Over the projection period, the Company assumed that its
readily available cash, cash equivalents and marketable securities would provide
returns equivalent to the returns expected to be provided

24
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

by the Company's existing operations and investments, except for certain amounts
assumed to be invested on a short-term basis to meet the Company's liquidity
needs. The Company believes that its estimate of future taxable income is
reasonable but inherently uncertain, and if its current or future operations and
investments generate taxable income greater than the projected amounts, further
adjustments to reduce the valuation allowance are possible. Conversely, if the
Company realizes unforeseen material losses in the future, or its ability to
generate future taxable income necessary to realize a portion of the deferred
tax asset is materially reduced, additions to the valuation allowance could be
recorded.

During the third quarter of 2005, the Company further reduced its deferred tax
valuation allowance by approximately $25,100,000. The amount credited to income
tax expense during the third quarter resulted from a reduction of the Company's
estimate of taxable income for the remainder of 2005; however, the Company has
not changed its estimate of future taxable income for all future periods in the
aggregate. Except for a similar type of adjustment, the Company does not expect
to record any material federal income tax provision during the fourth quarter of
2005. In future years the Company will record income tax provisions equal to its
effective income tax rate, unless there is a further adjustment to the valuation
allowance. As of September 30, 2005, the remaining balance in the valuation
allowance is approximately $930,000,000.

The Company is required to record the adjustment to the deferred tax asset
valuation allowance under generally accepted accounting principles. While the
adjustment significantly increases the Company's net worth (as of September 30,
2005, the deferred tax asset represents approximately 47% of total shareholders'
equity), there is no current cash benefit to the Company. The adjustment will
also result in the recording of material income tax expense in the future, even
though there will be no material cash expenditure for income taxes. Further,
while the adjustment results from the projection of taxable income over a long
period of time, under generally accepted accounting principles the expected
future tax savings are not discounted. As a result, this adjustment increases
the Company's net worth attributable to tax savings before the Company has
generated the taxable income necessary to realize those tax savings; when the
tax savings are actually realized over time, net worth will be reduced by the
recording of a deferred tax provision. Reflecting tax savings before the tax is
actually saved results in the Company's balance sheet being less conservative
than the Company would want it to be. However, this accounting policy is
mandated by generally accepted accounting principles.

Results of Operations

The 2005 Periods Compared to the 2004 Periods

Telecommunications - Network and Vyvx

The following tables reconcile WilTel's segment profit from operations to income
(loss) from continuing operations before income taxes for the three and nine
month periods ended September 30, 2005 and 2004. For WilTel's segments, segment
profit from operations is the primary performance measure of segment operating
results and profitability. WilTel defines segment profit from operations as
income before income taxes, interest expense, investment income, depreciation
and amortization expense and other non-operating income and expense.

25
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

<TABLE>
<CAPTION>

For the Three Month Period Ended September 30,
----------------------------------------------------------------------------
2005 2004
------------------------------------ ---------------------------------
Network Vyvx Total Network Vyvx Total
------- --------- ---------- ----------- --------- ----------
(In thousands)
<S> <C> <C> <C> <C> <C> <C>

Operating revenues (1) $ 418,700 $ 30,900 $ 449,600 $ 371,000 $ 30,800 $ 401,800
========== ========= ========== ========= ======== ==========
Segment profit from operations (4) $ 50,500 $ 8,900 $ 59,400 $ 39,600 $ 8,600 $ 48,200
Depreciation and amortization expense (35,600) (1,200) (36,800) (48,400) (2,100) (50,500)
Interest income (expense), net (2) (6,000) 500 (5,500) (7,800) (500) (8,300)
Other non-operating income (expenses), net (2) (6) 40,300 -- 40,300 23,200 2,600 25,800
---------- --------- ---------- --------- -------- ----------
Pre-tax income $ 49,200 $ 8,200 $ 57,400 $ 6,600 $ 8,600 $ 15,200
========== ========= ========== ========= ======== ==========

For the Nine Month Period Ended September 30,
---------------------------------------------------------------------------
2005 2004
------------------------------------ ---------------------------------
Network Vyvx Total Network Vyvx Total
------- --------- --------- ---------- --------- ---------
(In thousands)

Operating revenues (1) (3) $1,233,200 $ 90,100 $1,323,300 $1,088,200 $ 90,000 $1,178,200
========== ========= ========== ========== ======== ==========
Segment profit from operations (3) (4) $ 148,600 $ 24,200 $ 172,800 $ 86,000 $ 23,700 $ 109,700
Depreciation and amortization expense (116,800) (3,500) (120,300) (154,100) (6,600) (160,700)
Interest income (expense), net (2) (5) (17,900) 2,800 (15,100) (21,400) (1,600) (23,000)
Other non-operating income (expenses), net (2) (6) 41,100 -- 41,100 26,100 2,600 28,700
---------- --------- ---------- --------- -------- ----------
Pre-tax income (loss) $ 55,000 $ 23,500 $ 78,500 $ (63,400) $ 18,100 $ (45,300)
========== ========= ========== ========= ======== ==========

</TABLE>

(1) Excludes intersegment revenues from amounts billed by Network to Vyvx of
$4,900,000 for each of the three month periods ended September 30, 2005 and
2004, and $13,500,000 and $13,900,000, respectively, for the nine month
periods ended September 30, 2005 and 2004, and intersegment revenue billed
from Network to ATX of $1,000,000 and $1,500,000, respectively, for the
three and nine month periods ended September 30, 2005.
(2) If items in these categories cannot be directly attributable to a
particular WilTel segment, they are allocated to each segment based upon a
formula that considers each segment's revenues, property and equipment and
headcount.
(3) For Network, for the nine month period ended September 30, 2005, includes
$7,900,000 from the termination of a dark fiber contract and related
maintenance services for which Network will not have to perform any
remaining services and gains of $13,300,000 from sales of operating assets,
principally undersea cable assets.
(4) For Network, for the three and nine month periods ended September 30, 2005,
includes income of $4,100,000 and $6,400,000, respectively, from the
reduction of property tax accruals due to lower valuations.
(5) For Vyvx for the nine month period ended September 30, 2005, includes a
bankruptcy claim distribution of $1,600,000 received for a security with no
book value.
(6) For the three and nine month periods ended September 30, 2005, includes
$31,500,000 and $32,600,000, respectively, related to the agreements with
SBC, which is discussed below. In addition, for the three and nine month
2005 periods includes $7,000,000 of income from the settlement of disputes
with vendors and customers and income of $2,200,000 related to the sale of
an equity security which had a zero book value. For the three and nine
month periods ended September 30, 2004, includes income of $18,500,000
related to the settlement of litigation for less than amounts reserved,
income of $6,000,000 related to the sale of an equity security which had a
zero book value and income of $2,000,000 related to the reversal of excess
reserves for long-term commitments. In addition, the nine month period
ended September 30, 2004, includes a pre-tax gain of $2,800,000 related to
cash and securities received in excess of the book value of secured claims
in a customer's bankruptcy.

26
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Network's revenues include services provided to SBC of $296,800,000 and
$267,100,000 for the three month periods ended September 30, 2005 and 2004,
respectively, representing approximately 70% and 71%, respectively, of Network's
telecommunications revenues, and $857,500,000 and $767,100,000 for the nine
month periods ended September 30, 2005 and 2004, respectively, representing
approximately 70% in each of the periods of Network's telecommunications
revenues. Network's revenues from SBC have continued to grow, principally
related to voice products. Revenues attributable to other RBOCs were
approximately 4% and 5% of Network's telecommunications revenues for the three
month periods ended September 30, 2005 and 2004, respectively, and 5% for each
of the nine month periods ended September 30, 2005 and 2004. Revenues for
non-SBC related business for the three and nine month periods ended September
30, 2005 grew approximately $17,200,000 or 16% and $29,300,000 or 9%,
respectively, over the same periods in 2004, principally from data products.

Under the new SBC Master Services Agreement, SBC agreed to purchase WilTel
services at the fixed prices that had been in effect on June 15, 2005, with
minimum purchase commitments for on-net services of $600,000,000 for the period
from January 1, 2005 through December 31, 2007, and $75,000,000 for the period
from January 1, 2008 through December 31, 2009. If SBC fails to spend the
required $600,000,000 or $75,000,000 during the respective designated periods,
SBC will pay the amount of any deficiency and receive a credit equal to such
amount to be used for future services. If SBC spends more than $600,000,000
during the initial three-year period, any excess will be credited toward the
$75,000,000 commitment in the second period. SBC's minimum purchase commitments
exclude access and off-net costs. However, for financial reporting purposes
these costs are included as revenues, with offsetting amounts reported in
telecommunications cost of sales, on the Company's consolidated statements of
operations. As of September 30, 2005, approximately $192,000,000 of minimum
purchase commitments have been satisfied. Minimum purchase commitments are
considered satisfied only when SBC has paid for the service provided, not when
the service is recognized as revenue for financial reporting purposes.

WilTel also has the opportunity to earn up to an additional $50,000,000 by
meeting quality of service performance criteria in 2006 and 2007.

The $236,000,000 of termination payments due from SBC (along with $7,000,000
previously funded by SBC for capital expenditures) is being classified as other
non-operating Network income, which is not a component of segment profit from
operations. It is being recognized as other income over time proportionally with
the ratio of the minimum purchase commitments that have been earned subsequent
to entering into the agreements with SBC, to the remaining minimum purchase
commitment at June 15, 2005. For the three and nine month periods ended
September 30, 2005, $31,500,000 and $32,600,000, respectively, of this amount
was reflected in other income. If the sale transaction discussed above is
consummated, recognition in income of any remaining amounts will be accelerated.

Network's cost of sales reflects the level of revenues, and is comprised of
variable charges paid to access vendors to originate and/or terminate switched
voice traffic, and fixed charges for leased facilities and local off-net costs.
Network's cost of sales for the three and nine month periods ended September 30,
2005 includes income of approximately $8,000,000 and $2,600,000 for changes in
the estimated accrual for access costs. Adjustments to reduce the estimated
accrual for access costs for the three and nine month periods of 2004 were
$6,800,000 and $3,900,000, respectively. Network's cost of sales for the nine
months ended September 30, 2004 also included a charge of $3,500,000 for
international voice access costs, for which no revenue was recognized. WilTel
entered into a commitment for these access costs in order to provide services
for a specific customer; however, the customer defaulted under its contract, and
WilTel accrued the remaining amount of the commitment, but does not expect to be
able to recover from its customer.

Network's salaries and incentive compensation were $30,700,000 and $30,800,000
for the three month periods ended September 30, 2005 and 2004, respectively, and
$89,500,000 and $87,400,000 for the nine month periods ended September 30, 2005
and 2004, respectively, and selling, general and other expenses were $39,700,000
and $39,900,000 for the three month periods ended September 30, 2005 and 2004,
respectively, and $118,000,000 and $110,400,000 for the nine month periods ended
September 30, 2005 and 2004, respectively. Selling, general and other expenses
for the three month period ended September 30, 2005 included higher pension
costs of $2,400,000 primarily due to amortization of the unrecognized actuarial
loss, greater contract maintenance costs of $1,400,000

27
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

primarily for equipment that is no longer under warranty, and greater sales
commissions. Such increases were partially offset by a reduction of $4,100,000
in property taxes due to lower valuations. For the nine month period ended
September 30, 2005, selling, general and other expenses included $4,600,000 in
greater contract maintenance costs primarily for equipment that is no longer
under warranty, higher pension costs of $2,800,000, greater sales commissions of
$2,300,000, as well as a charge of $2,000,000 for weather related damages.
Selling, general and other expenses for the nine month period ended September
30, 2005 also included a reduction of $6,400,000 in property taxes due to lower
valuations. For the nine month period ended September 30, 2004, selling, general
and other expenses includes a reduction of $4,700,000 to the provision for
doubtful accounts, principally due to the collection of previously reserved
accounts receivable that had been in dispute. Selling, general and other
expenses for the first quarter of 2004 included a charge of $2,700,000 to the
provision for doubtful accounts to fully reserve for a customer's accounts
receivable.

Vyvx's operating revenues were $30,900,000 and $30,800,000 for the three month
periods ended September 30, 2005 and 2004, respectively, and $90,100,000 and
$90,000,000 for the nine month periods ended September 30, 2005 and 2004,
respectively. Revenues for the three and nine month 2005 periods were largely
unchanged compared to the same periods in 2004 principally due to increased
advertising distribution services relating to movies and greater video transport
over fiber, largely offset by the impact of price reductions, and for the nine
month 2005 period the loss of the National Hockey League revenues resulting from
its labor dispute.

Vyvx's cost of sales reflects the level of revenue and is comprised primarily of
amounts billed by Network to Vyvx for transporting content over the WilTel
network, costs paid to other providers for local access and other off-net
services, transponder expenses and freight and overnight delivery costs. The
Company's consolidated statement of operations includes Vyvx's salaries and
incentive compensation expense of $4,700,000 and $4,600,000 for the three month
periods ended September 30, 2005 and 2004, respectively, and $13,900,000 and
$13,400,000 for the nine month periods ended September 30, 2005 and 2004,
respectively, and selling, general and other expenses of $3,800,000 for each of
the three month periods ended September 30, 2005 and 2004, and $11,700,000 and
$11,000,000 for the nine month periods ended September 30, 2005 and 2004,
respectively. Vyvx's gross margins remained relatively unchanged in the third
quarter of 2005 as compared to the same period in 2004. The increase in Vyvx's
gross margins for the nine month 2005 period compared to the same period in 2004
resulted primarily from higher advertising distribution services revenue and a
greater percentage of those services being provided by electronic versus
physical distribution, for which the costs are lower.

Depreciation and amortization expense for the Network and Vyvx segments declined
in the 2005 periods as compared to the 2004 periods, principally as a result of
certain assets becoming fully depreciated partially offset by the impact of new
depreciable assets being placed into service.

Telecommunications - ATX

ATX has been consolidated by the Company since April 22, 2005, the effective
date of its bankruptcy plan. For the three month period ended September 30, 2005
and from the date of acquisition through September 30, 2005, ATX
telecommunications revenues and other income were $40,400,000 and $71,100,000,
respectively, telecommunications cost of sales were $24,200,000 and $43,500,000,
respectively, salaries and incentive compensation expense was $6,500,000 and
$11,500,000, respectively, depreciation and amortization expenses were
$2,400,000 and $4,200,000, respectively, selling, general and other expenses
were $6,500,000 and $11,600,000, respectively, and ATX had pre-tax income from
continuing operations of $1,000,000 and $200,000, respectively. ATX's results
reflect intersegment charges from WilTel's Network segment of $1,000,000 and
$1,500,000, respectively (including $100,000 in each period, which is reflected
in discontinued operations), for the three month period ended September 30, 2005
and from the date of acquisition through September 30, 2005. ATX's cost of sales
for the 2005 periods reflects its migration of portions of its network to lower
cost providers, the favorable resolution of an access cost dispute and a
favorable rate change for unbundled local circuits. ATX had pre-tax income from
discontinued operations of $400,000 in the 2005 periods including $100,000 from
gain on sale of discontinued operations.

28
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Healthcare Services

Pre-tax income (loss) of the healthcare services segment was $200,000 and
$(400,000) for the three month periods ended September 30, 2005 and 2004,
respectively, and $2,400,000 and $7,400,000 for the nine month periods ended
September 30, 2005 and 2004, respectively. For the three month periods ended
September 30, 2005 and 2004, healthcare services revenues and other income were
$54,600,000 and $63,800,000, respectively, and cost of sales, which primarily
consist of salaries and employee benefits, was $46,300,000 and $54,400,000,
respectively. For the nine month periods ended September 30, 2005 and 2004,
healthcare services revenues and other income were $183,500,000 and
$191,100,000, respectively, and cost of sales were $154,100,000 and
$158,400,000, respectively.

The decrease in healthcare revenues for the 2005 periods as compared to the same
periods in 2004 principally resulted from its termination of certain
underperforming customers, customer attrition and the sale of Symphony's
respiratory line of business in the second quarter of 2005. During the nine
month periods ended September 30, 2005 and 2004, one customer accounted for
approximately 14% and 17%, respectively, of Symphony's revenues.

The decline in gross margins in the 2005 periods as compared to the 2004 periods
reflects revenue changes discussed above, higher hourly wages and benefits paid
to attract and retain therapists and greater amounts incurred for independent
contractors, both due to a shortage of licensed therapists in the marketplace,
partially offset by improved therapist efficiency and reduced field management
costs. Pre-tax results for the 2005 periods also reflect higher borrowing costs,
greater professional fees for certain outsourced services and expenditures for
hiring, training and automation, which Symphony hopes will help offset the
increase in the costs of therapists, and higher depreciation expense for the
nine month 2005 period. Pre-tax results for the three and nine month periods
ended September 30, 2005 period also reflect aggregate gains of $200,000 and
$700,000, respectively, from the sale of certain property and the respiratory
line of business. Pre-tax results for the three and nine month periods ended
September 30, 2004 periods also included $200,000 and $2,900,000, respectively,
from the collection of receivables in excess of their carrying amounts and a
gain of $700,000 from the sale of certain property.

Manufacturing

Pre-tax income for the plastics manufacturing segment was $4,300,000 and
$4,000,000 for the three month periods ended September 30, 2005 and 2004,
respectively, and $12,300,000 and $7,300,000 for the nine month periods ended
September 30, 2005 and 2004, respectively. Its revenues were $24,500,000 and
$19,000,000 for the three month periods ended September 30, 2005 and 2004,
respectively, and $69,900,000 and $49,100,000 for the nine month periods ended
September 30, 2005 and 2004, respectively.

Revenues for the plastics manufacturing segment increased by $5,500,000 and
$20,800,000 in the three and nine month periods ended September 30, 2005 as
compared to the same periods in 2004, reflecting NSW's revenues since
acquisition of $5,200,000 and $12,700,000, respectively, and increases in many
of the segment's markets. These increases result from a variety of factors
including the strong housing market, new products developed late in 2004, and
the impact of price increases implemented during the second half of 2004 and in
the first quarter of 2005. Although raw material costs increased significantly
in the nine month 2005 period as compared to the same period in 2004, the
increases in selling prices in most markets, along with increased sales and
production volumes enabled this segment to maintain its gross profit margins.
Gross margins for the three and nine month periods ended September 30, 2005 also
reflect $300,000 and $800,000, respectively, of greater amortization expense on
intangible assets resulting from acquisitions. Pre-tax results for the 2005
periods include higher salaries and incentive compensation expense related to
increased bonus expense and salaries for NSW employees. Pre-tax results for the
2004 periods reflect a gain of $300,000 resulting from the sale of certain
assets related to a former product line.

29
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Revenues for ITC for the three month period ended September 30, 2005 and from
the date of acquisition through September 30, 2005 were $90,900,000 and
$154,400,000, respectively; gross profit was $9,100,000 and $12,600,000,
respectively, salaries and incentive compensation expense were $3,000,000 and
$4,200,000, respectively, depreciation and amortization expenses were $1,100,000
and $2,900,000, respectively, and pre-tax income was $4,500,000 and $4,100,000,
respectively. ITC's revenues for the 2005 periods reflect an oversupply in its
dimensional lumber and home center board markets, which has resulted in lower
sales prices, although sales increased slightly during September due to
increased demand resulting from hurricane Katrina. ITC's gross profit and
pre-tax results for the 2005 periods also reflect that the reduction in raw
material costs (the largest component of its cost of sales) lagged behind the
reduction in sales prices, until the month of September. Salaries and incentive
compensation expense increased during the third quarter due to greater accruals
for bonus and profit sharing.

Banking and Lending

As stated in the 2004 10-K, the activities of the banking and lending segment
had been concentrated on collecting and servicing its significantly reduced,
remaining loan portfolio, maximizing returns on its investment portfolio and
discharging deposit liabilities as they come due. As a result, revenues and
expenses for this segment are reflective of the modest size of the loan
portfolio ($3,100,000 outstanding at September 30, 2005), particularly as a
result of the loan portfolios sales during 2004. Pre-tax income (loss) for the
banking and lending segment was $(300,000) and $8,800,000 for the three month
periods ended September 30, 2005 and 2004, respectively, and $400,000 and
$23,400,000 for the nine month periods ended September 30, 2005 and 2004,
respectively. Pre-tax income for the three and nine month periods ended
September 30, 2004 includes a pre-tax gain of $7,600,000 and $16,600,000 on the
sale of certain of its loan portfolios. As discussed above, during the third
quarter of 2005, the Company's banking and lending subsidiary sold its remaining
customer deposits and surrendered its national bank charter.

Domestic Real Estate

Pre-tax income for the domestic real estate segment was $1,000,000 and
$14,900,000 for the three month periods ended September 30, 2005 and 2004,
respectively, and $1,600,000 and $24,000,000 for the nine month periods ended
September 30, 2005 and 2004, respectively. During the third quarter of 2004, the
Company sold 92 lots of its 95-lot development project in South Walton County,
Florida for aggregate sales proceeds of approximately $50,000,000 and recognized
pre-tax profits of $13,900,000. During the three and nine month periods ended
September 30, 2005, the Company recognized $2,000,000 and $4,500,000,
respectively, of previously deferred pre-tax profit related to this project,
upon completion of certain required improvements to the property. The Company
expects to recognize the balance of the deferred pre-tax profits from this
project during 2005 (aggregating $5,800,000) as it completes the remaining
improvements. Revenues and pre-tax profit for this segment in the nine month
period ended September 30, 2004 reflected the sale of certain unimproved land
for cash proceeds of $8,800,000, which resulted in a pre-tax gain of $7,600,000.

In May 2005, the Company sold its 716-room Waikiki Beach hotel and related
assets for an aggregate purchase price of $107,000,000, before closing costs and
other required payments. The Company recorded a pre-tax gain of $56,600,000 in
the nine month period ended September 30, 2005, which is reflected in
discontinued operations. Historical operating results for the hotel have not
been material.

30
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Corporate and Other Operations

Investment and other income increased in the three and nine month periods ended
September 30, 2005 as compared to the same periods in 2004 primarily due to the
$10,500,000 gain on the sale of 70% of the Company's interest in CLC to Inmet,
and greater investment income of $2,900,000 and $15,200,000, respectively,
reflecting a larger amount of invested assets and higher interest rates.
Investment and other income also reflect income of $1,600,000 and $1,500,000 for
the three and nine month 2005 periods, respectively, and a charge of $1,300,000
for the three month period ended September 30, 2004, related to the accounting
for mark-to-market values of Corporate derivatives. Such amount for the nine
month period ended September 30, 2004 was not material. Investment and other
income for the 2004 periods also included a pre-tax gain of $11,300,000 from the
sale of two of the Company's aircraft.

Net securities gains for Corporate and Other Operations aggregated $85,700,000
and $49,000,000 for the three month periods ended September 30, 2005 and 2004,
respectively, and $132,700,000 and $110,600,000 for the nine month periods ended
September 30, 2005 and 2004, respectively. During 2005 and 2004, the Company's
net securities gains largely reflect realized gains from the sale of publicly
traded debt and equity securities that had been classified as Corporate
available for sale securities. Included in net securities gains for the 2005
periods is a gain of $70,000,000 from the sale of 175,000 shares of WMIG common
stock. Net securities gains for the three month periods ended September 30, 2005
and 2004 include a provision of $4,000,000 and $2,800,000, respectively, to
write down the Company's investments in certain available for sale securities.
Write downs of securities were $7,300,000 and $3,400,000, respectively, for the
nine month periods ended September 30, 2005 and 2004.

The increase in interest expense during the nine month period ended September
30, 2005 as compared to the 2004 period primarily reflects interest expense
relating to $100,000,000 aggregate principal amount of 7% Senior Notes and
$350,000,000 principal amount of its 3 3/4% Convertible Senior Subordinated
Notes issued in April 2004.

The increase in salaries and incentive compensation expense of $1,800,000 and
$4,900,000, respectively, in the three and nine month periods ended September
30, 2005 compared to the same periods in 2004, principally relates to increased
bonus expense.

Selling, general and other expenses increased by $4,000,000 and $12,500,000,
respectively, in the three and nine month periods ended September 30, 2005 as
compared to the same periods in 2004. The increase for the three month period
primarily reflects higher minority interest expense relating to MK prior to its
merger and greater foreign exchange losses. The increase for the nine month
period also reflects higher professional fees that principally relate to due
diligence expenses for potential investments, greater professional fees and
greater cost of goods sold of the winery operations. In addition, selling,
general and other expenses for the three and nine month 2005 periods also
include $2,400,000 and $4,500,000, respectively, related to Indular, an
Argentine shoe manufacturing company acquired in January 2005 in which the
Company has an effective 59% interest.

As discussed above, the income tax provision for the nine month period ended
September 30, 2005 reflects a credit of $1,135,100,000 as a result of the
reversal of a portion of the valuation allowance for the deferred tax asset. The
Company adjusted the valuation allowance since it believes it is more likely
than not that it will have future taxable income sufficient to realize that
portion of the net deferred tax asset.

For the nine month period ended September 30, 2004, the Company has recorded a
net federal income tax provision on income from continuing operations (inclusive
of a federal tax provision netted against equity in income of associated
companies) and federal income tax benefits on loss from discontinued operations
and losses recognized in other comprehensive income. In the aggregate, the
Company has recognized a net federal income tax provision of $18,600,000 for the
nine month period ended September 30, 2004 (excluding the reversal of reserves
for federal income tax contingencies); although no federal income tax payments
were due. The income tax provision for the nine month period ended September 30,
2004 also reflects the reversal of tax reserves aggregating $27,300,000, as a
result of the favorable resolution of federal income tax contingencies. Income
taxes for 2004 also include a provision for state income taxes.

31
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

Associated Companies

Equity in income (losses) of associated companies for the three and nine month
periods ended September 30, 2005 and 2004 includes the following (in thousands):

<TABLE>
<CAPTION>


For the Three Month For the Nine Month
Period Ended September 30, Period Ended September 30,
-------------------------- --------------------------
2005 2004 2005 2004
------- -------- -------- -------
<S> <C> <C> <C> <C>

Olympus Re Holdings, Ltd. $ (81,700) $(10,500) $(69,700) $ 5,100
EagleRock Capital Partners (QP), LP 6,100 (4,500) (13,500) 1,400
Jefferies Partners Opportunity Fund II, LLC 8,400 4,000 19,500 12,700
HomeFed Corporation 800 1,600 1,300 5,400
Union Square -- -- 72,300 700
Pershing -- 4,900 -- 11,000
Berkadia -- -- -- 800
Other (100) (1,500) 2,800 200
--------- -------- -------- --------
Pre-tax (66,500) (6,000) 12,700 37,300
Income tax expense -- (2,100) 700 13,100
--------- -------- -------- --------
Equity in income (losses), net of taxes $ (66,500) $ (3,900) $ 12,000 $ 24,200
========= ======== ======== ========
</TABLE>

As discussed above, the Company redeemed its interest in Pershing effective
December 31, 2004.

In May 2005, Union Square sold its interest in an office complex located on
Capitol Hill in Washington, D.C. During the second quarter, the Company received
its share of the net proceeds totaling $71,800,000 and expects to receive in the
fourth quarter an additional $1,000,000 for its share of escrowed proceeds. The
Company recognized a pre-tax gain on the sale, including the escrowed proceeds,
of $71,900,000 during the nine month period ended September 30, 2005.

The Company's equity in losses from Olympus Re Holdings, Ltd. for the 2005
periods reflects its share of Olympus' estimated losses from hurricanes Katrina
and Rita. Estimated losses from hurricane Wilma, which occurred in October 2005,
are not included above.

Cautionary Statement for Forward-Looking Information

Statements included in this Report may contain forward-looking statements. Such
statements may relate, but are not limited, to projections of revenues, income
or loss, capital expenditures, plans for growth and future operations,
competition and regulation, as well as assumptions relating to the foregoing.
Such forward-looking statements are made pursuant to the safe-harbor provisions
of the Private Securities Litigation Reform Act of 1995.

Forward-looking statements are inherently subject to risks and uncertainties,
many of which cannot be predicted or quantified. When used in this Report, the
words "estimates", "expects", "anticipates", "believes", "plans", "intends" and
variations of such words and similar expressions are intended to identify
forward-looking statements that involve risks and uncertainties. Future events
and actual results could differ materially from those set forth in, contemplated
by or underlying the forward-looking statements.

The factors that could cause actual results to differ materially from those
suggested by any of these statements or which may materially and adversely
affect the Company's actual results include, but are not limited to, those
discussed or identified from time to time in the Company's public filings,
including:

32
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

A worsening of general economic and market conditions or increases in
prevailing interest rate levels, which may result in reduced sales of our
products and services, lower valuations for our associated companies and
investments or a negative impact on the credit quality of our assets;

Changes in foreign and domestic laws, regulations and taxes, which may
result in higher costs and lower revenue for our businesses, including as a
result of unfavorable political and diplomatic developments, currency
fluctuations, changes in governmental policies, expropriation,
nationalization, confiscation of assets and changes in legislation relating
to non-U.S. ownership;

Increased competition and changes in pricing environments, which may result
in decreasing revenues and/or margins, increased raw materials costs for
our plastics manufacturing business and ITC, loss of market share or
significant price erosion;

Continued instability and uncertainty in the telecommunications industry,
associated with increased competition, aggressive pricing and overcapacity;

Dependence on key personnel, in particular, our Chairman and President, the
loss of whom would severely affect our ability to develop and implement our
business strategy;

Inability to attract and retain highly skilled personnel, which would make
it difficult to conduct the businesses of certain of our subsidiaries;

Adverse legal and regulatory developments that may affect particular
businesses, such as regulatory developments in the telecommunications and
healthcare industries, or in the environmental area, which could affect the
Company's real estate development activities and telecommunications
business, as well as the Company's other operations;

If the sale of WilTel to Level 3 is not consummated, the Company will
continue to be subject to the risks of operating WilTel, which could
adversely affect the Company's business and results of operations,
including: the extent to which WilTel is successful in replacing revenues
and profits generated by SBC upon the migration of services from WilTel to
AT&T ; WilTel's ability to acquire or maintain rights of way necessary for
the operation of its network; changes in telecommunications laws and
regulations; and WilTel's ability to adapt to technological developments or
continued or increased pricing competition in the telecommunications
industry;

If the sale of WilTel to Level 3 is consummated, the value of the Level 3
stock to be received by the Company may decline prior to the closing, in
which case, the Company will receive a lower value for WilTel than
anticipated;

Current and future legal and administrative claims and proceedings against
the Company and its subsidiaries, which may result in increased costs and
diversion of management's attention;

Changes in telecommunications laws and regulations, which could adversely
affect ATX and its customers through, for example, higher costs, increased
competition and a loss of revenue;

Adverse regulatory developments impacting Medicare, which could materially
reduce Symphony's revenues;

The ability of the Company to generate sufficient taxable income in the
future to realize its net deferred tax asset, which if not achieved could
result in the need to record an income tax provision to increase the
valuation allowance for the deferred tax asset;

Weather related conditions and significant natural disasters, including
hurricanes, tornadoes, windstorms, earthquakes and hailstorms, which may
impact our wineries, real estate holdings and reinsurance operations;

33
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Interim Operations, continued.

The inability to insure or reinsure certain risks economically, or the
ability to collect on insurance or reinsurance policies, which could result
in the Company having to self-insure business risks;

Changes in U.S. real estate markets and real estate collateral values,
including the residential market in Southern California and the commercial
market in Washington, D.C., which are sensitive to mortgage interest rate
levels;

Adverse economic, political or environmental developments in Spain, which
could delay or preclude the issuance of permits necessary to develop the
Las Cruces copper mining project or which could result in increased costs
of bringing the project to completion and increased costs in financing the
development of the project;

The inability to obtain necessary financing for the Las Cruces copper
mining project, which could delay or prevent completion of the project;

Decreases in world wide copper prices or weakening of the U.S. dollar
against the euro, which could adversely affect the commercial viability of
the Las Cruces copper mining project;

Regional or general increases in the cost of living, particularly in the
regions in which the Company has operations or sells its products or
services, which may result in lower sales of such products and services;
and

Risks associated with future acquisitions and investments, including
changes in the composition of the Company's assets and liabilities through
such acquisitions, competition from others for potential acquisition
targets, diversion of management's attention from normal daily operations
of the business and insufficient revenues to offset increased expenses
associated with acquisitions.


This list of factors that may affect future performance and the accuracy of
forward-looking statements is illustrative, but is not intended to be
exhaustive. Therefore, all forward-looking statements should be evaluated with
the understanding of their inherent uncertainty. Undue reliance should not be
placed on these forward-looking statements, which are applicable only as of the
date hereof. The Company undertakes no obligation to revise or update these
forward-looking statements to reflect events or circumstances that arise after
the date of this Management's Discussion and Analysis of Financial Condition and
Results of Interim Operations or to reflect the occurrence of unanticipated
events.

Item 3. Quantitative and Qualitative Disclosures About Market Risk.

Information required under this Item is contained in Item 7A of the Company's
Annual Report on Form 10-K for the year ended December 31, 2004, and is
incorporated by reference herein.

Item 4. Controls and Procedures.

Evaluation of disclosure controls and procedures

(a) The Company's management evaluated, with the participation of the Company's
principal executive and principal financial officers, the effectiveness of
the Company's disclosure controls and procedures (as defined in Rules
13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as
amended (the "Exchange Act")), as of September 30, 2005. Based on their
evaluation, the Company's principal executive and principal financial
officers concluded that the Company's disclosure controls and procedures
were effective as of September 30, 2005.


34
Changes in internal control over financial reporting

(b) As discussed elsewhere herein, during the second quarter of 2005 the
Company acquired ATX and ITC. Each of ATX and ITC have their own distinct
internal controls over financial reporting; therefore, such internal
controls represent a new component part of the Company's consolidated
internal control over financial reporting. The Company has not yet
completed its evaluation of the internal controls over financial reporting
at ATX or ITC, although these entities have or are expected to have
financial statement amounts which are material to the Company's
consolidated financial statements. Except for changes that result from the
acquisition of ATX and ITC, there have been no changes in the Company's
internal control over financial reporting (as defined in Rules 13a-15(f)
and 15d-15(f) under the Exchange Act) that occurred during the Company's
fiscal quarter ended September 30, 2005, that has materially affected, or
is reasonably likely to materially affect, the Company's internal control
over financial reporting.

Item 5. Other Information

On November 8, 2005, the Company's subsidiary, WilTel Communications Group, LLC
and its subsidiaries (collectively, "WilTel"), prepaid all outstanding amounts
under the Third Amended and Restated Credit Agreement and Guaranty Agreement, as
amended, among WilTel, the Lenders party thereto, the First Lien Administrative
Agent, the Second Lien Administrative Agent and the Administrative Agent. For
additional information concerning the prepayment, see Item 2 of this Report.





35
PART II - OTHER INFORMATION

Item 6. Exhibits.


31.1 Certification of Chairman of the Board and Chief Executive
Officer pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.

31.2 Certification of President pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002.

31.3 Certification of Chief Financial Officer pursuant to Section 302
of the Sarbanes-Oxley Act of 2002.

32.1 Certification of Chairman of the Board and Chief Executive
Officer pursuant to Section 906 of the Sarbanes-Oxley Act of
2002.

32.2 Certification of President pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002.

32.3 Certification of Chief Financial Officer pursuant to Section 906
of the Sarbanes-Oxley Act of 2002.










36
SIGNATURES



Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.




LEUCADIA NATIONAL CORPORATION
(Registrant)




Date: November 8, 2005

By: /s/ Barbara L. Lowenthal
----------------------------
Barbara L. Lowenthal
Vice President and Comptroller
(Chief Accounting Officer)


37
Exhibit Index


31.1 Certification of Chairman of the Board and Chief Executive
Officer pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.

31.2 Certification of President pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002.

31.3 Certification of Chief Financial Officer pursuant to Section 302
of the Sarbanes-Oxley Act of 2002.

32.1 Certification of Chairman of the Board and Chief Executive
Officer pursuant to Section 906 of the Sarbanes-Oxley Act of
2002.

32.2 Certification of President pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002.

32.3 Certification of Chief Financial Officer pursuant to Section 906
of the Sarbanes-Oxley Act of 2002.








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