8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 28, 2012

CAMCO FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

DELAWARE	0-25196	51-0110823
(State or other jurisdiction of incorporation)	(Commission File No.)	(IRS Employer I.D. No.)

814 Wheeling Avenue, Cambridge, Ohio 43725

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (740) 435-2020

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Section 7 – Regulation FD

Item 7.01. Regulation FD Disclosure.

On August 28, 2012, Camco Financial Corporation (“Camco”) held its Annual Stockholders’ Meeting. During the annual meeting, Mr. James E. Huston, Camco’s Chief Executive Officer, presented the power point attached as Exhibit 99.1.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.	Description
99.1	Power Point from Stockholders’ Meeting

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

CAMCO FINANCIAL CORPORATION
By:	/s/ James E. Huston
	James E. Huston
	Chief Executive Officer

Date: August 28, 2011

EX-99.1

Exhibit 99.1

Camco Financial Corporation Advantage Bank Executive Overview Another Step Forward

Financial Disclosure Safe Harbor Statement: Certain statements contained in this presentation constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The forward-looking statements are based on current expectations, estimates, forecasts and projections of future company or industry performance based on management’s judgment, beliefs, current trends and market conditions. Forward-looking statements made or to be made by or on behalf of the company may be identified by the use of words such as “anticipates”, “intends”, “plans”, “believes”, “seeks”, “estimates”, and similar expressions. Forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict. Actual outcomes and results may differ materially from what is expressed, forecast or implied in the forward-looking statements, whether as a result of new information, future events or otherwise. For more details, please refer to Camco’s SEC filings, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q.

Classified Assets *In Thousands Classified Assets have been reduced $59,910,611 since December, 2009.*** *** Based on management internal reports (Upgrades/Downgrades)

Non Performing Loans *In Thousands Date Non Performing Loans 12/2008 53,484 12/2009 32,848 12/2010 33,779 12/2011 24,918 06/2012 23,653 Non Performing Loans 60,000 53,484 50,000 40,000 33,779 32,848 30,000 24,918 23,653 20,000

Delinquency Thousands Total AB Delinquency Comparison 45,000 42,133 40,000 35,000 33,796 30,000 25,000 23,967 20,000 18,758 15,000 12/31/2009 12/31/2010 12/31/2011 06/30/2012

Charge-Offs 6 *In Thousands 2011 Gross Recovery $1,295,507 Net Charge Offs 25,000 21,440 Date Net Charge Offs 20,000 17,689 2009 $21,440 15,000 2010 $17,689 10,000 4,617 5,000 2011 $4,617 2,978 0 2009 2010 2011 2012 FYF Full Year Forecast $2,978 2012

Deposits

Net Interest Margin 8 12/09 12/10 12/11 06/12 6.00% YTD YTD YTD YTD 5.39% 5.41% 5.12% 5.00% 4.62% Gross 5.39% 5.41% 5.12% 4.62% Earning 4.00% Assets 3.50% 3.66% Gross 3.42% 2.91% COF Cost of 2.54% 1.97% 1.54% 1.31% 3.00% NIM Funds 2.54% 2.00% 1.97% NIM 2.91% 3.50% 3.66% 3.42% 1.54% 1.31% 1.00% 12/09 12/10 12/11 06/12 YTD YTD YTD YTD

Deleverage- FHLB Borrowings 9 *In Thousands $167,106 $150,000 $125,000 $100,000 $97,291 $92,934 $75,000 $63,604 $58,445 $50,000 12/2008 12/2009 12/2010 12/2011 06/2012

Volume 10 *In Thousands $165,000 Total Commercial Fee $146,161 Income 2011 $145,000 $697,658 $125,000 $119,859 $110,591 $109,777 $105,000 $81,342 $82,779 Commercial $85,000 Residential $65,000 Consumer $45,000 $25,000 $15,065 $15,063 $12,288 $5,000 2009 2010 2011

Allowance for Loan Loss 11 *In Thousands Period Allowance for Loan Loss December 16,099 ??May, 2012 FDIC/ODFI: As of 2009 December, 2011 Allowance for Loan Loss December 16,870 Level is Acceptable 2010 December 14,532 2011 June 14,185 2012

Earnings ??2008 Pretax Earnings ($20,440,000) ??2009 Pretax Earnings ($17,514,000) ??2010 Pretax Earnings ($14,041,000) ??2011 Pretax Earnings $758,000 ??2012 Pretax Earnings ??March 31, 2012 QTD $450,000 ??June 30, 2012 QTD $420,000 ?YTD June, 2012 $870,000

Regulatory Compliance * Pending regulatory approval

Rights Offering July 17, 2012 – Camco Financial Corporation (Nasdaq: CAFI) announced that it intends to conduct a rights offering of common shares of up to $10.0 million to existing shareholders. Under the terms of the rights offering, stock as of July 29, 2012 for the rights offering will receive, at no charge, one subscription right for each share of common stock held as of the record date. Each subscription right will entitle the holder of the right to purchase one share of Company common stock. In addition, for every two shares purchased in the offering, investors will receive one warrant to purchase Company common stock within five years at a pre-determined price. Rights holders will have the opportunity to purchase shares in excess of their basic subscription rights, subject to availability.