September 30 , 2008 as compared to the same three month period in 2007. margin and the higher provisioning for credit losses. nine months ended September 30 , 2008 as compared to the same periods in 2007. for the nine months ended September 30 , 2008 , average deposits increased 17 % . the Fidelity & Trust acquisition as of August 31 , 2008. commercial real estate investment property loans ( $ 29 thousand of total ) .