IPO Company Profile
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CFS Bancorp
707 Ridge Road, Munster, IN 46321 * (219) 836-5500

The company is a S & L holding company for the Citizens Financial Services, FSB.

Primary Underwriting Group
ManagerTierPhone
Charles Webb & CompanyLead Manager (614) 766-8400

Offering Information
NASNTL:CITZ Financial: SIC 6035
Type of Shares:Common Shares Filing Date:3/26/98
U.S. Shares:17,900,000 Offer Date:7/24/98
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:17,900,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $179,000,000 Selling:
Expenses: - Reallowance:
Post-IPO Shares: -

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Elias, Matz, Tiernan & Herrick
Bank's Law Firm: Muldoon, Murphy & Faucette
Auditor: Ernst & Young

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
12/31/97 12/31/97
Revenue:Assets:$746.05
Net Income:$1.78Curr Assets:
EPS:Liabilities:$680.36
Prior EPS:Curr Liab:$669.42
Cash Flow/Oper:$3.18Equity:$65.69
Cash Flow/Fin:$95.67Cash:$8.29
Cash Flow/Inv:-$124.70

Use of Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.

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