OCEAN SHORE HOLDING CO (OSHC) [Rocket]

In millions, except per share items	Dec-31-08	Dec-31-07	Dec-31-06	Dec-31-05	Dec-31-04	Dec-31-03	Dec-31-02	Dec-31-01
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	S-1/A
Interest income on loans								15,985.1
Total interest income	35,919.6	32,618.9	29,838.7	26,271.9	22,722.1	22.5	23,808.3	23,746.6
Interest on deposits	10,321.5	12,558.3	10,963.3	8,120.6	6,384.4	7.0	8,005.7	10,207.9
Total interest expense	10,321.5	12,558.3	10,963.3	8,120.6	6,384.4	7.0	8,005.7	14,538.6
Net interest income	18,826.3	15,138.1	15,219.1	15,255.2	13,324.3	12.5	12,088.6	9,208.1
Provision for loan losses	373.3	260.6	300.0	300.0	360.0	0.4	275.0	140.2
Net interest income after provision for loan losses	18,453.0	14,877.5	14,919.1	14,955.2	12,964.3	12.1	11,813.6	9,067.9
Deposit and loan fees	1,718.9	1,641.2	1,531.8	1,541.4	1,555.6	1.3	1,050.3	964.6
Gain on sale of investments, net	-50.3					0.1	85.8	20.2
Total non-interest income	1,668.6	1,641.2	1,531.8	1,541.4	1,555.6	1.4	1,136.1	984.8
Pre-tax income	4,721.4	4,430.0	4,444.5	5,070.7	2,351.7	4.3	4,390.7	2,334.4
Income taxes	1,792.2	1,639.4	1,296.0	1,994.7	1,045.2	1.6	1,737.8	829.9
Tax rate	38.0%	37.0%	29.2%	39.3%	44.4%	36.4%	39.6%	35.6%
Net income	2,929.2	2,790.5	3,148.6	3,076.0	1,306.5	2.7	2,652.9	1,504.5
Net margin	14.6%	16.9%	19.1%	18.6%	9.0%	20.0%	20.5%	15.0%

Basic EPS	$0.37	$0.34	$0.38	$0.37
Diluted EPS	$0.36	$0.34	$0.37	$0.36

Shares outstanding (basic)	7,916.9	8,207.4	8,285.7	8,313.4
Shares outstanding (diluted)	8,136.8	8,207.4	8,509.6	8,544.4

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.