Item 2.02. Results of Operations and Financial Condition.

On February 6, 2009, Camco Financial Corporation ("Camco") issued a press release regarding its earnings for the quarter and year ended December 31, 2008. The press release is attached as Exhibit 99 hereto and is incorporated herein by reference.

The press release includes one or more non-GAAP financial measures within the meaning of Regulation G. With respect to each, Camco has disclosed the most directly comparable financial measure calculated and presented in accordance with GAAP and reconciled the differences between the non-GAAP financial measure and the most comparable financial measure presented in accordance with GAAP.

Camco believes that the presentation of the non-GAAP financial measures in the press release assists management and investors to compare results period-to-period in a more meaningful and consistent manner and provides a better measure of results for Camco's ongoing operations.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description
99 Earnings Release dated February 6, 2009

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