Item 2.02 Results of Operations and Financial Condition
On January 15, 2009, JPMorgan Chase & Co. ("JPMorgan Chase" or the "Firm") reported 2008 fourth quarter net income of $702 million, or $0.07 per share, compared with net income of $3.0 billion, or $0.86 per share, for the fourth quarter of 2007. A copy of the 2008 fourth quarter earnings release is attached hereto as Exhibit 99.1, and a copy of the earnings release financial supplement is attached hereto as Exhibit 99.2.
Each of the Exhibits provided with this Form 8-K shall be deemed to be "filed" for purposes of the Securities Exchange Act of 1934, as amended. This current report on Form 8-K (including the Exhibits hereto) contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are based upon the current beliefs and expectations of JPMorgan Chase's management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. Factors that could cause JPMorgan Chase's actual results to differ materially from those described in the forward-looking statements can be found in the Firm's Quarterly Reports on Form 10-Q for the quarters ended September 30, 2008, June 30, 2008, and March 31, 2008, and its Annual Report on Form 10-K for the year ended December 31, 2007, each of which has been filed with the Securities and Exchange Commission and is available on JPMorgan Chase's website (www.jpmorganchase.com) and on the Securities and Exchange Commission's website (www.sec.gov). JPMorgan Chase does not undertake to update the forward-looking statements to reflect the impact of circumstances or events that may arise after the date of the forward-looking statements.
Item 9.01 Financial Statements and Exhibits

(d) Exhibits Exhibit Number Description of Exhibit 12.1 JPMorgan Chase & Co. Computation of Ratio of Earnings to Fixed Charges 12.2 JPMorgan Chase & Co. Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividend Requirements 99.1 JPMorgan Chase & Co. Earnings Release - Fourth Quarter 2008 Results 99.2 JPMorgan Chase & Co. Earnings Release Financial Supplement - Fourth Quarter 2008

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