General

Effective April 1, 2003, Eureka Bank completed its reorganization and formed the Company as a stock holding company parent of Eureka Bank. The former holders of the common stock of the Bank became stockholders of the Company and each outstanding share of common stock of the Bank was converted into shares of common stock of the Company on a one-for-one basis. The Company is majority owned by Eureka Bancorp, MHC (the "MHC"). The MHC is owned and controlled by the Bank's depositors and conducts no significant business of its own other than holding a majority of the Company's common stock.

The Company's business is conducted...