Form Type:  8-K
Filing Date:  4/26/2012 
CIK:  0001058438 
Address:  707 RIDGE ROAD 
City, State, Zip:  MUNSTER, Indiana 46321 
Telephone:  (219) 836-5500 
Fiscal Year:  12/31 
Description of Business
CFS Bancorp, Inc. (the Company), an Indiana corporation, was incorporated in March 1998 and is the holding company for Citizens Financial Bank (the Bank), our banking subsidiary. The Bank, which was organized as a federally chartered mutual savings and loan association and has been operating in Northwest Indiana since 1934 and the Southern suburbs of Chicago, Illinois, since 1998, formed the holding company in connection with its conversion from a mutual to stock savings institution. We are currently subject to primary oversight and examination by the Office of the Comptroller of the Currency (OCC) and the Federal Reserve Bank of Chicago (FRB). See "Regulation and Supervision of the Company and the Bank" below in this "Business" section. The Bank's executive offices are located in Munster, Indiana, and it has 20 full service banking centers located in Lake and Porter counties in Northwest Indiana and Cook and DuPage counties in Illinois.
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  FORM 8-K
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