K-Fed Bancorp operates as the holding company for Kaiser Federal Bank that provides various financial services in California. It primarily engages in generating deposits and originating loans. The bank’s deposit products include time deposit accounts, savings, money market, and demand deposit accounts. Its loan portfolio comprises loans secured by first mortgages on owner-occupied and one- to four-family residences; multifamily residential loans; and commercial real estate loans. The bank also originates automobile and other consumer loans. As of June 30, 2006, the bank operated branches in Pasadena, Santa Clara, Fontana, Panorama City, Bellflower, and Harbor City in California....