General

Sugar Creek Financial was organized as a federal corporation at the direction of Tempo Bank in connection with the reorganization of the Bank from the mutual form of organization to the mutual holding company form of organization. The reorganization was completed on April 3, 2007. In the reorganization, Sugar Creek Financial sold 408,095 shares of its common stock to the public and issued 498,784 shares of its common stock to Sugar Creek MHC, the mutual holding company of the Bank. Total shares issued and outstanding on April 3, 2007 were 906,879. In addition, a contribution of $50,000 was made to capitalize Sugar Creek MHC. Costs incurred in connection...