The second unveils significant item disney on ice defines was a pre-tax charge to non-interest income of$3,016,000 to reduce the Company`s carrying value of an investment security thatthe Company has concluded should be accounted for as other than temporarilyimpaired. This was the first time the Company has recorded an “other thantemporary impairment” charge related to an investment security. The third significant item resulted from the distribution of certain tax-exemptsecurities as part of the planned dissolution of an entity in which the Companyhad made an investment for Community Reinvestment Act and tax credit purposes in2003. The Company incurred a pre-tax charge to non-interest income of $520,000,which was the difference between the book value of the Company`s investment inthe entity and the fair market value of the tax-exempt securities received bythe Company at the time of liquidation of the entity.

As a result of these two charges, net losses on investment securities and fromsales of other assets were $3,715,000 in the fourth quarter of 2008 compared tonet gains of $567,000 for the fourth quarter of 2007 . Net losses on investmentsecurities and from sales of other assets were $3,977,000 for the full year of2008 compared to net gains of $1,007,000 in 2007 disney on ice 100 years of magic tickets . These significant unusual items included in non-interest income in the quarterjust ended essentially offset each other on an after-tax basis disney on ice 100 years of magic Disney On Ice Let s Celebrate tickets . Specifically the$2,147,000 of non-taxable income from death benefits on BOLI was offset by thepre-tax charges of $3,016,000 and $520,000 noted above, which totaledapproximately $2,149,000 after taxes disney on ice tickets . NON-INTEREST EXPENSENon-interest expense for 2008 was $54,398,000 compared to $48,252,000 for 2007,an increase of 12.7%. The Company`s efficiency ratio for 2008 improved to 42.3%compared to 46.3% for 2007 Disney On Ice Let s Celebrate – theqarena . Non-interest expense for the fourth quarter of 2008 was $14,254,000 compared to$12,507,000 for the fourth quarter of 2007, an increase of 14.0%.

The Company`sefficiency ratio for the fourth quarter of 2008 improved to 39.1% compared to45.7% for the fourth quarter of 2007 Disney On Ice Let s Celebrate . The Company`s efficiency ratios for the full year and fourth quarter of 2008were its best annual and quarterly efficiency ratios since becoming a publiccompany in 1997 disney on ice ticket . This is a result of the Company achieving positive operatingleverage in 2008 by increasing revenue at a faster growth rate than non-interestexpense disney on ice tour . ASSET QUALITY, CHARGE-OFFS AND ALLOWANCENonperforming loans and leases as a percent of total loans and leases increasedto 0.76% at year-end 2008 compared to 0.35% as of year-end 2007 and 0.70% as ofSeptember 30, 2008 . Nonperforming assets as a percent of total assets increasedto 0.81% as of year-end 2008 compared to 0.36% as of year-end 2007 and 0.66% asof September 30, 2008 Disney On Ice Let s Celebrate .

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