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| PFSB Bancorp, Inc. |
| 123 W. Lafayette Street, Palmyra, MS 63461 * (573) 769-2134 |
| Business Description | The company is a savings and loan holding company for the Palmyra Savings and Building Association, F.A. |
| Offering Information Company has | |||
| Trading As | PFSI (OTC) | Industry | Savings Bank (SIC 6035) |
| Type of Stock Offered | Common Shares | Filing Date | 12/18/1998 |
| Domestic Shares Offered | 559,000 | Offer Date | 04/01/1999 |
| Foreign Shares Offered | 0 | Filing Price | $10.00 |
| Company Shares | 559,000 | Offer Price | $10.00 |
| Selling Shrhldrs Shares | 0 | Gross Spread | - - |
| Gross Proceeds | $5,590,000 | Selling | - - |
| Expenses | - - | Reallowance | - - |
| Post-IPO Shares | - - | Employees | - - |
| Primary Underwriting Group | ||
| Underwriter Name | Participation | Underwriter Phone |
| Trident Securities, Inc. | Lead Manager | (919) 781-8900 |
| Income Statement and Cash Flow Summary | |||||||
| Prior Audited Income |
Latest Unaudited Income | ||||||
| Full Year Audited Figures | - - Months Ending | ||||||
| Figures in U.S. millions except per share data | 09/30/1996 | 09/30/1997 | 09/30/1998 | ||||
| Revenues | - | - | 4.067 | 4.196 | 4.239 | - | - |
| Income from Oper. | - | - | - | - | - | - | - |
| Net Income | - | - | 0.022 | 0.332 | 0.276 | - | - |
| E.P.S | - | - | - | - | - | - | - |
| Revenue Growth (%) | - | - | 3.17 | 1.025 | - | ||
| Net Income Growth (%) | - | - | 1,409.09 | -16.87 | - | ||
| Oper. Profit Margin (%) | - | - | - | - | - | - | - |
| Net Profit Margin (%) | - | - | 0.54 | 7.91 | 6.51 | - | - |
| Cash Flow - Oper. | - | - | - | ||||
| Cash Flow - Inv. | - | - | - | ||||
| Cash Flow - Fin. | 0.81 | - | - | ||||
| Balance Sheet Summary and Financial Ratios | |||||
| Balance sheet as of: 09/30/1998 | Financial Ratios | ||||
| Total Assets | 59.48 | Current Assets | - | Current Ratio | - |
| Total Liab. | 53.46 | Current Liab. | - | Debt Ratio | 89.88% |
| Total Equity | 6.02 | Working Cap. | - | Debt to Equity Ratio | 8.88 |
| Cash | 2.27 | Return on Assets | 0.46% | ||
| Use Of Proceeds |
The proceeds from the proposed offering will be used for general corporate purposes. |
| Legal Counsel Registrar Auditor | |
| Issuer's Law Firm | Muldoon, Murphy & Faucette |
| Bank's Law Firm | Housley, Kantarian & Bronstein, P.C. |
| Auditor | Moore, Horton & Carloson, P.C. |
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