PFSB Bancorp - PFSI- Profile

PFSB Bancorp, Inc.. The Group's principal activity is to provide financial services to individual and corporate customers. The operations are conducted through three offices in Northeast Missouri located in the towns of Palmyra (Marion County), Canton (Lewis County) and Kahoka (Clark County). The services provided by the Group include attracting deposits from the general public and using those funds to originate residential mortgage loans. It also purchases participation interests in residential, multi-family and commercial real estate loans, generally secured by properties. Interest and fees on loans accounted for 74% of fiscal 2001 revenues; other interest income, 25% and non-interest income, 1%. Community oriented traditional savings association that attracts deposits and originates loans for residential purposes