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Countrywide Credit Industries

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said Wednesday that fiscal third-quarter earnings fell slightly short of Wall Street's predictions.

The company said it earned $95.4 million, or 80 cents a share, below the $100.6 million, or 87 cents it earned in the year-ago period. Thirteen analysts polled by

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were expecting earnings of 81 cents per share. The mortgage banking company blamed the shortfall on increased amortization and impairment.

Shares of Countrywide Credit were unchanged at $49 in recent

New York Stock Exchange