Net income for the quarter was $0.5 million compared with of $8.9 million for the fourth quarter of 2007. Net income for the year ended December 31, 2008 was $19 million compared with $30.5 million for the same period last year. Assets at December 31, 2008 of $5.8 billion were essentially unchanged from the previous year end balance, a reflection of the market and economy.
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