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Ticker:CITZ
Company Name: CFS Bancorp, Inc.

Business Overview from 10-K filing for CFS Bancorp, Inc.:

CFS Bancorp, Inc. (including its consolidated subsidiaries, the Company) is a registered unitary savings and loan holding company and was organized in March 1998 to facilitate the July 1998 conversion of its subsidiary, Citizens Financial Services, FSB (the Bank or Citizens Financial), from a federally-chartered mutual savings bank to a federally-chartered stock savings bank (Conversion). In conjunction with the Conversion, the Company completed an initial public offering. The Company and the Bank are subject to oversight and examination by the Office of Thrift Supervision (OTS). See "Regulation -- Regulation of Savings and Loan Holding Companies." The Company's primary assets consist of the outstanding shares of common stock of the Bank and the Company's loan to the Bank for the employee stock ownership plan (ESOP). The Company has no significant liabilities. The management of the Company and the Bank are substantially identical.     

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