Dear Friends,

Park Bank is pleased to report strong results for the third quarter of 2008. Net earnings before security transactions stand at $3.93 million for the third quarter of 2008, a slight decrease of 0.3% from the same period a year ago. Net earnings before security transactions for the first nine months of the year total $11.4 million compared to $11.7 million at September 30, 2007. Total assets at September 30, 2008 are $753.7 million. Park Bank is well-capitalized, with more than adequate access to liquidity.

Despite the serious challenges of the financial crisis and slowing economy, our earnings generation remains strong. Depositors across the nation are concerned about the safety and soundness of FDIC-insured banks. Factual information is the best way we can address this issue for our present and future customers.