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“Both our summarizes toronto raptors yield onearnings air canada centre raptors states assets and our average loan rates are down 18 basis points from thisyear’s third quarter, while deposit costs are only down 9 basis points. As aresult, the overall margin slipped from 3.81% to 3.72% from the third quarterto the fourth quarter. With the historic cut in the Fed Funds rate last month,I think we’ll continue to experience downward pressure on our margin goinginto 2009 Raptors tickets .”Investment PortfolioThe $599,000 Other-Than-Temporary Impairment (OTTI) charge recognized byFirst Defiance in the fourth quarter related to three Trust PreferredCollateralized Debt Obligations (CDOs) investments with an original cost of$2.0 million which have been written down to a value of $419,000.The companyrecorded an OTTI charge of $489,000 on one CDO investment that had an originalcost of $1.0 million and recorded an additional OTTI charge of $110,000 on twoequity notes of Trust Preferred CDOs in the 2008 fourth quarter. At December31, 2008, the value of those equity note CDOs, which had a total original costof $1.0 million, had been written down to $50,000.First Defiance has other Trust Preferred CDO investments with a total costof $7.6 million and market values of $3.5 million at December 31, 2008 raptors.com . Thedecline in value of those investments is primarily due to the overall lack ofliquidity in the CDO market although the investments continue to pay principaland interest payments in accordance with the contractual terms of thesecurities. Management has not deemed the impairment in value of these CDOinvestments to be Other-Than-Temporary and therefore has not recognized thereduction in value of those investments in earnings.The fourth quarter results were also impacted by a $577,000 write down ofthe cash value on a portion of the investments within theBank-Owned-Life-Insurance (BOLI) portfolio. The total investment in BOLI at2008 year end was $28.7 million.Non-Interest IncomeTotal non interest income declined to $2.8 million in the fourth quarterof 2008 from $5 nba.com – raptors .3 million in the fourth quarter of 2007.Service feesincreased 26% or $722,000 in the fourth quarter of 2008 over the same periodin 2007.

Mortgage banking income declined $1.5 million compared to the fourthquarter of 2007 driven by a $2 Raptors tickets – nba .7 million impairment charge on MSRs partiallyoffset by an increase of $989,000 in gain on sale of mortgage loans toronto star raptors . Loss onsecurities was $596,000 in the fourth quarter of 2008.Non-Interest Expenses Year over Year Rise Due to AcquisitionTotal non-interest expense increased to $13.6 million for the quarterended December 31, 2008 compared to $12.2 million in the fourth quarter of2007 and $15.2 million for the third quarter of 2008 basketball . Year over year increasesacross the board are generally attributable to the Pavilion acquisition, whichclosed late in the 2008 first quarter bulls raptors . The efficiency ratio for the 2008fourth quarter was 69 Toronto Raptors .25% compared to 67.63% in the fourth quarter of 2007.Annual ResultsEarnings for 2008 were $7.4 million, a decline of $6.5 million or 47% from2007 buy raptor tickets . Net interest income for 2008 totaled $62.2 million, a $13.5 million or28% increase over 2007. Average interest-earning assets increased to $1.7billion for 2008 compared to $1.4 billion in 2007. Net interest margin for2008 was 3.80%, up 25 basis points from the 3.55% margin for the year endedDecember 31, 2007.

The provision for loan losses for 2008 was $12.6 million,compared to $2 Toronto Raptors – wikipedia .3 million in 2007.Non-interest income for the 12-month period ended December 31, 2008 was$19.1 million compared to $22.1 million during the same period of 2007 . The2008 results include securities losses of $3.2 million recognized year-to-datefor OTTI charges recognized for impaired investment securities buy raptors tickets . Service feesand other charges were $13.3 million for the year compared to $10.8 millionfor 2007, an increase of 23% buy toronto raptor tickets . Mortgage banking income decreased by $622,000due to impairment charges of $2.7 million in 2008 and insurance commissionincome increased by $218,000 to $5 Toronto Raptors tickets – nba .5 million in 2008.Non-interest expense increased to $57.8 million for the full year of 2008from $48.1 million in 2007 . Excluding one-time acquisition-related charges of$1.1 million, most of this increase relates to ongoing costs of operating theeight branches acquired in the Pavilion acquisition.

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