The Company recorded its 100th consecutive profitable quarter for the quarter ended December 31, 2008. Net income in 2008 decreased 10.7% to $7,571,000 versus $8,478,000 in 2007. Diluted earnings per share for 2008 were $1.30, a decrease of $0.09 or 6.5% from the $1.39 recorded in 2007. For 2008, the Company realized a return on average equity of 12.39% and a return on average assets of 1.32%, as compared to 14.01% and 1.47% for 2007.