At September 30, 2008, Home Federal Bancorp, Inc. of Louisiana reported total assets of $141.0 million, an increase of $3.3 million, or 2.4%, compared to total assets of $137.7 million at June 30, 2008. The increase in total assets was due to an increase in investment securities of $4.7 million, or 4.8%. This increase was partially offset by decreases in other assets of $1.1 million, or 33.1%, cash and cash equivalents of $245,000, or 3.3%, and loans receivable of $100,000, or 0.3%. The decrease in other assets primarily consisted of a decrease in the Company's deferred tax asset of $1.0 million, or 61.4%. This is a result of an increase in the fair value of the Company's securities available for sale which reduced the deferred tax asset associated with the unrealized loss on securities available for sale. Total liabilities at September 30, 2008 were $111.1 million, an increase of $1.3 million, or 1.1%, compared to total liabilities of $109.8 million at June 30, 2008. The increase in total liabilities was due to an increase in advances from the Federal Home Loan Bank of Dallas of $5.0 million, or 18.6%. This increase was partially offset by decreases in other liabilities of $3.6 million, or 78.5%, and deposits of $119,000, or 0.2%. Advances from the Federal Home Loan Bank were primarily invested in mortgage-backed securities. The decrease in other liabilities was primarily due to the refund of the stock purchase deposits which had been held in escrow as of June 30, 2008 and were subsequently returned to subscribers after the offering terminated.

Stockholders' equity increased $2.1 million to $29.9 million, or 21.2% of total assets at September 30, 2008, compared to $27.9 million, or 20.2% of total assets at June 30, 2008. The increase in stockholders' equity is due primarily to the change in the Company's accumulated other comprehensive loss, decreasing from a balance of ($2.6 million) at June 30, 2008 to a balance of ($713,000) at September 30, 2008.

Home Federal Bancorp, Inc. of Louisiana is the mid-tier thrift holding company for Home Federal Savings and Loan Association which conducts business from its main office and two branch offices in northwest Louisiana. The Company's Internet address is http://www.homefederalbancorp.com.

This news release contains certain forward-looking statements, including statements about the financial condition, results of operations and earnings outlook for Home Federal Bancorp, Inc. of Louisiana. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as "believe," "expect," "anticipate," "estimate" and "intend" or future or conditional verbs such as "will," "would," "should," "could" or "may." Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors -- many of which are beyond the Company's control -- could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. The Company's reports filed from time-to-time with the Securities and Exchange Commission, describe some of these factors, including general economic conditions, changes in interest rates, deposit flows, the cost of funds, changes in credit quality and interest rate risks associated with the Company's business and operations. Other factors described include changes in our loan portfolio, changes in competition, fiscal and monetary policies and legislation and regulatory changes. Investors are encouraged to access the Company's periodic reports filed with the Securities and Exchange Commission for financial and business information regarding the Company at www.homefederalbancorp.com under the Investor Relations menu. We undertake no obligation to update any forward-looking statements.

Home Federal Bancorp, Inc. of Louisiana
CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(In thousands)
ASSETS                                                        September 30,                 June 30,
                                                              2008                          2008
                                                              (Unaudited)                   (Audited)
Cash and cash equivalents                                     $         7,118               $         7,363
Investment securities                                                   102,738                       98,012
Loans receivable                                                        29,015                        29,115
Other assets                                                            2,158                         3,225
Total assets                                                  $         141,029             $         137,715
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits                                                      $         78,240              $         78,359
Advances from the Federal Home Loan Bank of Dallas                      31,867                        26,876
Other liabilities                                                       990                           4,606
Total liabilities                                                       111,097                       109,841
Stockholders' equity                                                    29,932                        27,872
Total liabilities and stockholders' equity                    $         141,029             $         137,715

Home Federal Bancorp, Inc. of Louisiana
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except share data)
                                                             Three months ended
                                                             September 30,
                                                                     2008                    2007
                                                             (Unaudited)
Total interest income                                        $       1,850           $       1,727
Total interest expense                                               980                     966
Net interest income                                                  870                     761
Provision for loan losses                                            -                       -
Net interest income after provision for loan losses                  870                     761
Non-interest income                                                  43                      38
Non-interest expense                                                 748                     629
Income before income taxes                                           165                     170
Income taxes                                                         56                      58
NET INCOME                                                   $       109             $       112
EARNINGS PER SHARE
Basic                                                        $       0.03            $       0.03
Diluted                                                      $       0.03            $       0.03

SOURCE: Home Federal Bancorp, Inc. of Louisiana

Home Federal Bancorp, Inc. of Louisiana 
Daniel R. Herndon, Chief Executive Officer 
Clyde D. Patterson, Executive Vice President 
318-222-1145

The provision for loan losses was $1.3 million for the year ended September 30, 2008, compared to $575,000 in the prior year period, and was $520,000 for the three-months ended September 30, 2008 compared to $150,000 in the prior year period. The provision for loan losses is charged to operations to bring the total allowance for loan losses to a level that reflects management's best estimate of the losses inherent in the portfolio. An evaluation of the loan portfolio, current economic conditions and other factors is performed each month at the balance sheet date. Net charge-offs for fiscal 2008 were $863,000 compared to $465,000 for fiscal 2007. Non- performing assets and foreclosed real estate were .81% of total assets at September 30, 2008 compared to 1.21% at September 30, 2007. The allowance for loan losses was 59.79% of non-performing loans and .74% of net loans at September 30, 2008, compared to 33.85% and .66%, respectively, at September 30, 2007. Non-performing loans at September 30, 2008 were $5.7 million compared to $8.9 million at September 30, 2007.

Other income, excluding the OTTI charges, increased $149,000 or 4.3% to $3.7 million for the year ended September 30, 2008, compared to $3.5 million for the same period last year. Other income, excluding the OTTI charges, was $899,000 for the three-months ended September 30, 2008, relatively unchanged as compared to the prior year period. The increase for the current fiscal year primarily reflects an increase in loan service charges and fees of $141,000, an increase in deposit service charges and fees of $212,000, and an increase in the gain on sales of loans of $43,000, partially offset by decreased gains on the sale of investment securities of $100,000 and a decrease in other operating income of $147,000. While other income, excluding OTTI charges, was relatively unchanged for the three-month period ended September 30, 2008 changes during the period included an increase in deposit service charges and fees of $59,000 offset by a decrease in other operating income of $75,000.

OTTI charges during fiscal 2008 amount to $3.6 million, of which $3.3 million was recognized in the fourth quarter. The impairment charges primarily relate to the Company's holdings of Freddie Mac preferred stock and the AMF Ultra Short Mortgage Fund. A $1.4 million non-cash impairment charge on the Freddie Mac preferred stock resulted from the significant decline in the value of these securities following the announcement by the Federal Housing Finance Agency ("FHFA") that both Freddie Mac and Fannie Mae have been placed under conservatorship. Additionally, the FHFA eliminated the payment of dividends on common stock and preferred stock and assumed the powers of the Board and management of both agencies. Management of the Company has deemed the impairment on the Freddie Mac stock to be other-than-temporary based upon the duration and extent to which the market value has been less than cost, the inability to forecast a recovery in market value, and other factors concerning the issuer. A $2.0 million non-cash impairment charge on the AMF Ultra Short Mortgage Fund resulted from the continuing uncertainty in spreads in the bond market for mortgage related securities. This uncertainty has negatively impacted the market value of the securities in the fund and thus the net asset value of the fund itself. Management of the Company has deemed the impairment of the fund to be other-than-temporary based upon the duration and extent to which the market value has been less than cost, the limitations placed on fund redemptions, and the inability to forecast a recovery in the market value.

Operating expenses for the year ended September 30, 2008, increased $213,000 or 1.7% to $12.9 million compared to $12.7 million for the prior year. For the final three-month period in this fiscal year, operating expenses decreased $177,000 or 5.2% to $3.3 million, compared to $3.4 million in the prior year period. Included in other operating expenses for the quarter and year ended September 30, 2007, was a pre-tax charge of $277,000 ($183,000 net of taxes) associated with a charge for unamortized debt issuance costs upon the redemption of $10.0 million of trust preferred securities. The operating expense increase for the year-ended September 30, 2008 is attributed to an increase in compensation and benefits expense of $254,000, an increase in service bureau expense of $184,000, and an increase in other operating expenses of $271,000. Partially offsetting these increases were decreases in office occupancy and equipment expense of $35,000, a decrease in depreciation and amortization of $58,000, a decrease in the net loss on foreclosed real estate of $111,000 and the absence of debt issuance costs. Excluding the debt issuance costs, operating expenses for the three months ended September 30, 2008 increased $100,000, which was primarily attributed to an increase in compensation and benefits expense of $93,000, an increase in service bureau expense of $48,000, and an increase in other operating expenses of $18,000. These increases were partially offset by a decrease in depreciation and amortization expense of $14,000 and a decrease in the net loss on foreclosed real estate to $51,000.

Provision for income taxes increased $524,000 to $1.4 million for the year ended September 30, 2008 compared to $914,000 for fiscal 2007. For the three- months ended September 30, 2008, the provision for income taxes increased to $438,000 compared to $156,000 for the same period last year. The tax provision for both periods was significantly impacted by the OTTI charges during the period, thus the effective tax rate is not meaningful. The amount of tax benefit recognized on the OTTI charges was based on the tax characteristics of each security (capital or ordinary). Those securities that are treated as capital for tax purposes have limited tax benefits recorded. On October 3, 2008, the Emergency Economic Stabilization Act was enacted which includes a provision permitting banks to recognize losses relating to FNMA and FHLMC preferred stock as an ordinary loss, thereby allowing the Company to recognize a tax benefit on the losses. Had the legislation been in effect as of September 30, 2008, and had the Company recognized the loss as an ordinary loss for the fiscal year ended September 30, 2008; the positive impact recorded would have been $491,000, or $0.16 per diluted share. The Company will recognize the additional tax benefit in the quarter ending December 31, 2008.

Total assets at September 30, 2008 were $727.2 million, relatively flat compared to assets of $726.6 as of September 30, 2007. Net loans outstanding increased $1.9 million or .40% to $460.8 million at September 30, 2008, compared to September 30, 2007. Savings and time deposits decreased $17.1 million or 4.0% to $416.4 million at September 30, 2008, as compared to September 30, 2007. Short-term borrowings increased $8.6 million to $32.3 million at September 30, 2008 as compared to September 30, 2007. Long-term debt increased $14.8 million to $118.8 million at September 30, 2008 as compared to September 30, 2007. Subordinated notes payable remained unchanged at $7.7 million at September 30, 2008 as compared to September 30, 2007. Securities sold under agreement to repurchase decreased $1.5 million to $104.0 million at September 30, 2008 as compared to September 30, 2007. Stockholders' equity was $42.2 million at September 30, 2008 compared to $46.5 million at September 30, 2007 primarily due to an increase in other comprehensive loss.

The Company's filings with the Securities and Exchange Commission are available on-line through the Company's Internet website at www.fidelitybancorp-pa.com.

Fidelity Bancorp, Inc. is the holding company for Fidelity Bank, a Pennsylvania-chartered, FDIC-insured savings bank conducting business through thirteen offices in Allegheny and Butler counties.

Statements contained in this news release which are not historical facts are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, factors discussed in documents filed by Fidelity Bancorp, Inc. with the Securities and Exchange Commission from time to time.

     Mr. Richard G. Spencer
     President and Chief Executive Officer
     (412) 367-3300
     E-mail: rspencer@fidelitybank-pa.com



    Fidelity Bancorp, Inc. and Subsidiaries
    Income Statement for the Three Months and Year Ended
    September 30, 2008 and 2007 (unaudited)
    (In thousands, except per share data)

                                     Three Months Ended        Year Ended
                                        September 30,          September 30,
                                     2008       2007          2008       2007

    Interest income:
      Loans                         $6,800     $7,328      $28,232    $28,799
      Mortgage-backed securities     1,052        989        4,058      4,131
      Investment securities          1,644      1,864        7,081      7,700
      Deposits with other
       institutions                      9          7           29         33
        Total interest income        9,505     10,188       39,400     40,663

    Interest expense:
      Savings deposits               2,581      3,560       11,750     13,440
      Borrowed funds                 2,669      2,775       10,866     12,024
      SWAP's                            23        -             34        -
      Subordinated debt                 82        237          417        930
        Total interest expense       5,355      6,572       23,067     26,394

    Net interest income before
     provision for loan losses       4,150      3,616       16,333     14,269
    Provision for loan losses          520        150        1,260        575
    Net interest income after
     provision for loan losses       3,630      3,466       15,073     13,694
    Other income:
      Loan service charges and fees    121        112          511        370
      Gain on sale of investment
       and mortgage-backed
       securities                       18        -             26        126
      Impairment charge on
       securities                   (3,250)       -         (3,572)       -
      Gain on sale of loans             15         31          143        100
      Deposit service charges and
       fees                            396        337        1,483      1,271
      Other operating income           349        424        1,488      1,635
        Total other income          (2,351)       904           79      3,502

    Operating expenses:
      Compensation and benefits      2,113      2,020        8,246      7,992
      Office occupancy and equipment   267        265        1,039      1,074
      Depreciation and amortization    142        156          576        634
      (Gain) loss on sales of
       foreclosed real estate          (31)        20          (10)       101
      Foreclosed real estate expense     6          1           34         43
      Intangible amortization            7          8           28         34
      Debt issuance charge upon
       redemption                      -          277          -          277
      Service bureau expense           101         53          336        152
      Other operating expenses         651        633        2,624      2,353
        Total operating expenses     3,256      3,433       12,873     12,660

    Income (loss) before income tax
     provision and extraordinary
     gain                           (1,977)       937        2,279      4,536
    Income tax provision               438        156        1,438        914
    Income (loss) from continuing
     operations                    $(2,415)      $781         $841     $3,622
    Income from extraordinary
     gain, net of taxes               $-         $-           $-          $89
    Net income (loss)              $(2,415)      $781         $841     $3,711

    Basic earnings per share
      Income (loss) from continuing
       operations                   $(0.80)     $0.26        $0.28      $1.21
      Income from extraordinary
       gain, net of taxes              $-         $-           $-       $0.03
      Net income (loss)             $(0.80)     $0.26        $0.28      $1.24
    Diluted earnings per share
      Income (loss) from continuing
       operations                   $(0.80)     $0.26        $0.28      $1.19
      Income from extraordinary
       gain, net of taxes              $-         $-           $-       $0.03
      Net income (loss)             $(0.80)     $0.26        $0.28      $1.22



    Balance Sheet Data (unaudited)
    (In thousands, except share data)

                                                  September 30,  September 30,
                                                         2008           2007
    Assets:
      Cash and due from depository institutions         $6,701        $10,848
      Interest-earning demand deposits                   4,071            228
      Securities available-for-sale                    146,680        152,223
      Securities held-to-maturity                       75,404         74,553
      Loans receivable, net                            460,786        458,929
      Loans held for sale                                  225            169
      Foreclosed real estate, net                          170             52
      Federal Home Loan Bank stock, at cost              7,943          7,102
      Accrued interest receivable                        3,519          3,639
      Office premises and equipment                      7,083          5,825
      Other assets                                      14,628         13,009
        Total assets                                  $727,210       $726,577

    Liabilities and Stockholders' Equity:
    Liabilities:
      Deposits                                        $416,414       $433,555
      Short-term borrowings                             32,258         23,618
      Subordinated notes payable                         7,732          7,732
      Securities sold under agreement to repurchase    104,003        105,537
      Advance payments by borrowers for taxes
      and insurance                                      1,483          1,451
      Long-term debt                                   118,800        104,050
      Other liabilities                                  4,365          4,164
        Total liabilities                              685,055        680,107

    Stockholders' equity:
      Common stock, $.01 par value per share,
       10,000,000 shares authorized, 3,647,854 and
       3,606,722 shares issued                              36             36
      Treasury stock, 619,129 and 619,129 shares       (10,382)       (10,382)
      Additional paid-in capital                        45,931         45,338
      Retained earnings                                 12,268         13,115
      Accumulated other comprehensive loss,
       net of tax                                       (5,698)        (1,637)
        Total stockholders' equity                      42,155         46,470

        Total liabilities and stockholders' equity    $727,210       $726,577



    Other Data:

                                                   At or For the Year Ended
                                                         September 30,

                                                       2008           2007

    Annualized return on assets                        0.12%          0.51%
    Annualized return on equity                        1.83%          8.13%
    Equity to assets                                   5.80%          6.40%
    Interest rate spread (tax equivalent)              2.33%          2.02%
    Net interest margin (tax equivalent)               2.44%          2.14%
    Non-interest expense to average assets             1.77%          1.73%
    Loan loss allowance to net loans                   0.74%          0.66%
    Non-performing loans and real estate
     owned to total assets at end-of-period            0.81%          1.21%

    Regulatory capital ratios (Fidelity Bank):
     Tier 1 leverage ratio                             6.54%          6.52%
     Minimum capital requirement                       4.00%          4.00%
     Well capitalized requirement                      5.00%          5.00%

     Tier 1 risk-based capital                         9.71%          9.91%
     Minimum capital requirement                       4.00%          4.00%
     Well capitalized requirement                      6.00%          6.00%

     Total risk-based capital                         10.37%         10.55%
     Minimum capital requirement                       8.00%          8.00%
     Well capitalized requirement                     10.00%         10.00%

SOURCE Fidelity Bancorp, Inc.

http://www.fidelitybancorp-pa.com

-------------------------------------------

American States Water Company (NYSE: AWR) closed at $34.21 Friday, trading 248,600 shares.

Company News -- American States Water Company Announces Regular Common Dividends

On Friday the following was announced:

The Board of Directors of American States Water Company (NYSE: AWR) approved a quarterly dividend of $0.250 per share on the Common Shares of the Company. This action marks the 290th consecutive dividend payment by the Company.

To read the full news release, go to www.stockprofiler.us, and click the Headline link after entering the ticker symbol.

About American States Water Company

American States Water Company is the parent of Golden State Water Company, American States Utility Services, Inc. and Chaparral City Water Company. Through its subsidiaries, AWR provides water service to 1 out of 37 Californians located within 75 communities throughout 10 counties in Northern, Coastal and Southern California (approximately 255,000 customers) and to over 13,000 customers in the city of Fountain Hills, Arizona and a small portion of Scottsdale, Arizona. The Company also distributes electricity to over 23,000 customers in the Big Bear recreational area of California. Through its non-regulated subsidiary, American States Utility Services, Inc., the Company contracts with the U.S. government and private entities to provide various services, including water marketing and operation and maintenance of water and wastewater systems.

-------------------------------------------

Home Federal Bancorp, Inc. (NASDAQ: HOME) closed at $11.59 Friday, trading 28,000 shares.

Company News- October 31, 2008: Home Federal Bancorp, Inc. Announces Fourth Quarter and Annual Earnings

Home Federal Bancorp, Inc. (the "Company") (NASDAQ: HOME), the parent company of Home Federal Bank (the "Bank"), announced Friday the fourth quarter earnings for the fiscal year ending September 30, 2008. For the quarter ended September 30, 2008, the Company reported net income of $1.0 million, or $0.06 per diluted share compared to $1.2 million, or $0.07 per diluted share, for the same period a year ago. Net income for the fiscal year ended September 30, 2008, was $4.0 million, or $0.25 per diluted share, compared to $5.3 million, or $0.31 per diluted share, for the fiscal year ended September 30, 2007. Earnings per share for the prior periods have been adjusted to reflect the impact of the second-step conversion and reorganization of the Company, which was completed on December 19, 2007.

Operating Results

To read the full news release, go to www.stockprofiler.us, and click the Headline link after entering the ticker symbol.

About Home Federal Bancorp, Inc.

Home Federal Bancorp, Inc. is a Maryland corporation headquartered in Nampa, Idaho, and is the savings and loan holding company of Home Federal Bank, a federal savings bank that was originally organized as a building and loan association in 1920. The Company serves the Treasure Valley region of southwestern Idaho that includes Ada, Canyon, Elmore and Gem Counties, through 15 full-service banking offices and one loan center. The Company's common stock is traded on the NASDAQ Global Select Market under the symbol "HOME." The Company's stock is also included in the America's Community Bankers NASDAQ Index. For more information, visit the Company's web site at www.myhomefed.com.

-------------------------------------------

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Home Federal Bancorp, Inc. is a federally chartered savings and loan holding company headquartered in Nampa, Idaho. It is the parent company of Home Federal Bank, a federal savings bank that was originally organized in 1920. The Company serves the Treasure Valley region of southwestern Idaho that includes Ada, Canyon, Elmore and Gem Counties, through 15 full-service banking offices and one loan center. The Company's common stock is traded on the NASDAQ Global Market under the symbol "HOME." The Company's stock is also included in the America's Community Bankers NASDAQ Index and the Russell 2000 Index. For more information, visit the Company's web site at www.myhomefed.com and follow the Investor Relations link.

Forward-Looking Statements:

Statements in this news release regarding future events, performance or results are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 ("PSLRA") and are made pursuant to the safe harbors of the PSLRA. Actual results could be materially different from those expressed or implied by the forward-looking statements. Factors that could cause results to differ include but are not limited to: the ability to maintain current dividend payments or increase dividend payouts to stockholders, regulatory capital requirements, future earnings and cash flow of the Company, regulatory changes and general economic conditions. Additional factors that could cause actual results to differ materially are disclosed in Home Federal Bancorp, Inc.'s recent filings with the Securities and Exchange Commission, including but not limited to its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. Forward-looking statements are projected only as of the date released, and we do not undertake any responsibility to update or revise any forward-looking statements to reflect subsequent events or circumstances.

Contact:
Home Federal Bancorp, Inc.
Len E. Williams
President, Chief Executive Officer
Eric S. Nadeau
EVP, Chief Financial Officer
208-466-4634
www.myhomefed.com

SOURCE: Home Federal Bancorp

http://www.myhomefed.com