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Ticker:PSBI
Company Name: PSB Bancorp, Inc.

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

PSB Bancorp, Inc. ("PSB") was organized as a Pennsylvania business corporation on October 3, 1997, for the purpose of becoming a holding company for First Penn Bank (the "Bank"). PSB is subject to regulation by the Federal Reserve Bank of Philadelphia, and its principal business is the ownership of First Penn Bank. At December 31, 2004, PSB had total assets of $533.1 million, total deposits of $475.3 million and shareholders' equity of $52.2 million. On October 12, 1999, PSB completed its acquisition of First Bank of Philadelphia. In connection with the acquisition, each outstanding share of First Bank of Philadelphia was exchanged for .857 shares of PSB common stock ("Common Stock"). In addition, options to acquire 1,612,500 shares of First Bank of Philadelphia were converted into options to acquire 1,381,912 shares of Common Stock.     

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