STBI / Sturgis Bancorp, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Sturgis Bancorp, Inc.
US ˙ OTCPK

Mga Batayang Estadistika
CIK 1166362
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Sturgis Bancorp, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
February 23, 2005 SC 13E3/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 4) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 4) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (Names of Persons Filing Statement) Common Stock (Title of Class of Securities) 864087101 (Cusip Number of Class of Securities) Eric L

February 23, 2005 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-49613 Sturgis Bancorp, Inc. (Exact name of registrant as specified in it

February 23, 2005 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. - SC 13E-3 Letter - 02-23-05 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 February 23, 2005 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No. 5-78116 Schedule 1

February 8, 2005 DEFA14A

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as Permitted by Rule 14a-6(e)(2)).

January 13, 2005 SC 13E3/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 3) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB

Sturgis Bancorp, Inc. Schedule 13E-3/Amendment #3 - 01/13/05 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 3) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (Names of Persons Filing Statement) Common Stock (Title of Class of Secur

January 13, 2005 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. - SC 13E-3/A#3 Letter - 01/13/05 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 January 13, 2005 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No. 5-78116 Schedul

January 13, 2005 DEFM14A

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as Permitted by Rule 14a-6(e)(2)).

January 13, 2005 COVER

Telephone (616) 752-2000

Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.

January 13, 2005 EX-99.1

P R O X Y

EXHIBIT 99.1 P R O X Y Sturgis Bancorp, Inc. 125 East Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 Special Meeting of Shareholders February 22, 2005 The undersigned shareholder appoints Lawrence A. Franks, James A. Goethals, Philip G. Ward and Donald L. Frost, or any one of them, each with the power to appoint his or her substitute, attorneys and proxies to represent the shareholder and to v

January 6, 2005 CORRESP

WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone 616.752.2000 Fax 616.752.2500

WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.

December 17, 2004 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. - SC 13E-3/A#2 Letter - 12/17/04 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 December 17, 2004 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No. 5-78116 Schedu

December 17, 2004 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. SEC Letter Re Amended Proxy Statement - 12/17/04 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 December 17, 2004 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No

December 17, 2004 PRER14A

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 2)

Sturgis Bancorp, Inc. Preliminary Proxy Statement Amendment No. 2 - 12/17/04 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 2) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [X] Preliminary Proxy Statement [ ] Confidential, for Use of the Comm

December 17, 2004 CORRESP

WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone 616.752.2000 Fax 616.752.2500

Sturgis Bancorp, Inc. Response to SEC (WNJ) 12-17-04 WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone 616.752.2000 Fax 616.752.2500 Gordon R. Lewis 616.752.2752 Direct Fax: 616.222.2752 [email protected] December 16, 2004 Ms. Michele M. Anderson Office of Mergers and Acquisitions Division of Corporation Finance Securi

December 17, 2004 EX-99.3

Sturgis Bancorp, Inc. Valuation as of June 30, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G

EX-99.3 3 sturgisex993121704.htm STURGIS EXHIBIT 99.3 TO SC 13E3/A 12-17-04 September 21, 2004 CONFIDENTIAL Sturgis Bancorp, Inc. Valuation as of June 30, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G CONFIDENTIAL Table of Contents 1. Valuation Opinion Letter 2. Valuation Summary 3. Discounted Cash Flow Analysis 4. Recent Trading Analysis 5. Analysis of Comparable Companies 6.

December 17, 2004 SC 13E3/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 2) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB

SC 13E3/A 1 sturgis13e3a121704.htm STURGIS SC 13E3/A 12-17-04 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 2) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (Names of Persons Filing Statement) Common Stock (Title of Class of Secu

December 17, 2004 EX-99.1

Preliminary Copy dated December 17, 2004

EX-99.1 2 sturgisex991121704.htm STURGIS EXHIBIT 99.1 TO SC 13E3/A 12-17-04 EXHIBIT 99.1 Preliminary Copy dated December 17, 2004 P R O X Y Sturgis Bancorp, Inc. 125 East Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 Special Meeting of Shareholders January , 2005 The undersigned shareholder appoints and , or either of them, each with the power to appoint his or her substitute, attorneys and p

November 24, 2004 CORRESP

WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone 616.752.2000 Fax 616.752.2500

WARNER NORCROSS & JUDD LLP ATTORNEYS AT LAW 900 Fifth Third Center 111 Lyon Street, N.

November 24, 2004 SC 13E3/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 1) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 1) STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (Names of Persons Filing Statement) Common Stock (Title of Class of Securities) 864087101 (Cusip Number of Class of Securities) Eric L

November 24, 2004 COVER

Telephone (616) 752-2000

Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.

November 24, 2004 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. - SC 13E-3/A Letter - 11/24/04 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 November 24, 2004 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No. 5-78116 Schedule

November 24, 2004 EX-99.2

Sturgis Bancorp, Inc. Valuation as of September 20, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G

September 23, 2004 CONFIDENTIAL Sturgis Bancorp, Inc. Valuation as of September 20, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G CONFIDENTIAL Table of Contents 1. Valuation Opinion Letter 2. Valuation Summary 3. Discounted Cash Flow Analysis 4. Recent Trading Analysis 5. Analysis of Comparable Companies 6. Analysis of Comparable Acquisitions Donnelly Penman & Partners I N V E

November 24, 2004 PRER14A

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1)

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

November 24, 2004 EX-99.1

Preliminary Copy dated November 24, 2004

EXHIBIT 99.1 Preliminary Copy dated November 24, 2004 P R O X Y Sturgis Bancorp, Inc. 125 East Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 Special Meeting of Shareholders December , 2004 The undersigned shareholder appoints and , or either of them, each with the power to appoint his or her substitute, attorneys and proxies to represent the shareholder and to vote and act with respect to all

November 24, 2004 CORRESP

STURGIS BANCORP, INC. 125 E. Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 November 24, 2004

STURGIS BANCORP, INC. 125 E. Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 November 24, 2004 Ms. Michele M. Anderson Securities and Exchange Commission Office of Mergers and Acquisitions Division of Corporation Finance Washington, D.C. 20549-0303 Re: Sturgis Bancorp, Inc. Schedule 13E-3 filed September 29, 2004; File No. 5-78116 Preliminary Schedule 14A filed September 29, 2004; File No. 0-49

November 15, 2004 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2004 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact nam

November 15, 2004 EX-13.2

Excerpt from Annual Report to Stockholders

exv13w2 Exhibit 13.2 from 2003 Annual Report MARKET INFORMATION Shares of common stock of Bancorp were held by 391 shareholders of record as of December 31, 2003 according to Bancorp’s transfer agent. Bancorp’s shares are traded on the NASDAQ Small Cap Market under the symbol of “STBI”. Trading activity has been infrequent, and previous price information had not been regularly published. The range

November 15, 2004 EX-13.1

Excerpt from Annual Report to Stockholders

exv13w1 Exhibit 13.1 from 2003 Annual Report Asset/Liability Management The primary component of Bancorp’s earnings is net interest income of the Bank. The Bank’s asset/liability management strategy is to maximize net interest income over time by reducing the impact of fluctuating interest rates. This is accomplished by matching the mix and maturities of its assets and liabilities. At the same tim

September 29, 2004 COVER

Telephone (616) 752-2000

Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.

September 29, 2004 EX-99

Sturgis Bancorp, Inc. Valuation as of September 20, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G

September 23, 2004 CONFIDENTIAL Sturgis Bancorp, Inc. Valuation as of September 20, 2004 Donnelly Penman & Partners I N V E S T M E N T B A N K I N G CONFIDENTIAL Table of Contents 1. Valuation Opinion Letter 2. Valuation Summary 3. Discounted Cash Flow Analysis 4. Recent Trading Analysis 5. Analysis of Comparable Companies 6. Analysis of Comparable Acquisitions Donnelly Penman & Partners I N V E

September 29, 2004 PREM14A

SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

Sturgis Bancorp, Inc. Preliminary Proxy Statement - 09/29/04 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [X] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as P

September 29, 2004 COVER

Telephone (616) 752-2000

Sturgis Bancorp, Inc. SEC Letter Re Proxy Statement - 09/29/04 Warner Norcross & Judd LLP Attorneys at Law 900 Fifth Third Center 111 Lyon Street, N.W. Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 September 29, 2004 EDGAR TRANSMISSION Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: Sturgis Bancorp, Inc. Commission File No. 000-4

September 29, 2004 EX-99

Preliminary Copy dated September 29, 2004

EXHIBIT 99.1 Preliminary Copy dated September 29, 2004 P R O X Y Sturgis Bancorp, Inc. 125 East Chicago Road, P.O. Box 600 Sturgis, Michigan 49091 Special Meeting of Shareholders November , 2004 The undersigned shareholder appoints and , or either of them, each with the power to appoint his or her substitute, attorneys and proxies to represent the shareholder and to vote and act with respect to al

September 29, 2004 SC 13E3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (N

Sturgis Bancorp, Inc. Schedule 13E-3 09/29/04 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13E-3 RULE 13E-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 STURGIS BANCORP, INC. (Name of the Issuer) STURGIS BANCORP, INC. SB MERGER COMPANY (Names of Persons Filing Statement) Common Stock (Title of Class of Securities) 864087101 (Cusip Number of

August 12, 2004 EX-13.2

Excerpt from Annual Report to Stockholders

exv13w2 Exhibit 13.2 from 2003 Annual Report MARKET INFORMATION Shares of common stock of Bancorp were held by 391 shareholders of record as of December 31, 2003 according to Bancorp’s transfer agent. Bancorp’s shares are traded on the NASDAQ Small Cap Market under the symbol of “STBI”. Trading activity has been infrequent, and previous price information had not been regularly published. The range

August 12, 2004 EX-10.8

Employment Agreement with David E. Watters

EXHIBIT 10.8 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2004, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and DAVID E. WATTERS of Sturgis, Michigan (“Employee”). WITNESSETH: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGIS hereby

August 12, 2004 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2004 [ ] TRANSITION REPORT PURSUANT TO

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2004 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact name of

August 12, 2004 EX-10.5

Employment Agreement with Ronald W. Scheske

EXHIBIT 10.5 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2004, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and RONALD W. SCHESKE of Sturgis, Michigan (“Employee”). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STUR

August 12, 2004 EX-10.7

Employment Agreement with Tracey L. Parker

EXHIBIT 10.7 EMPLOYMENT AGREEMENT This Agreement, made this 1st day May, 2004 by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and TRACEY L. PARKER, of Three Rivers, Michigan 49093 (“Employee”). WITNESSETH: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGI

August 12, 2004 EX-13.1

Excerpt from Annual Report to Stockholders

exv13w1 Exhibit 13.1 from 2003 Annual Report Asset/Liability Management The primary component of Bancorp’s earnings is net interest income of the Bank. The Bank’s asset/liability management strategy is to maximize net interest income over time by reducing the impact of fluctuating interest rates. This is accomplished by matching the mix and maturities of its assets and liabilities. At the same tim

August 12, 2004 EX-10.4

Employment Agreement with Brian P. Hoggatt

EXHIBIT 10.4 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2004, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and BRIAN P. HOGGATT of Sturgis, Michigan (“Employee”). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURG

August 12, 2004 EX-10.3

Employment Agreement with Eric L. Eishen

EXHIBIT 10.3 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2004, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and ERIC L. EISHEN of Bronson, Michigan (“Employee”). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGIS

August 12, 2004 EX-10.6

Employment Agreement with Steven L. Gage

EXHIBIT 10.6 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2004, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (“STURGIS”), and STEVEN L. GAGE, of LaGrange, Indiana 46761 (“Employee”). WITNESSETH: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGIS h

May 17, 2004 EX-13.1

Excerpt from Annual Report to Stockholders

exv13w1 Exhibit 13.1 from 2003 Annual Report Asset/Liability Management The primary component of Bancorp’s earnings is net interest income of the Bank. The Bank’s asset/liability management strategy is to maximize net interest income over time by reducing the impact of fluctuating interest rates. This is accomplished by matching the mix and maturities of its assets and liabilities. At the same tim

May 17, 2004 EX-10.2

Employee Stock Option Plan

Exhibit 10.2 STURGIS FEDERAL SAVINGS BANK EMPLOYEE STOCK OPTION PLAN 1. Purpose. The purpose of the Employee Stock Option Plan (the “Plan”) is to give officers and executive personnel (“key employees”) of STURGIS FEDERAL SAVINGS BANK, a Federal Chartered stock savings bank (the “Bank”), an opportunity to acquire shares of the common stock of the Bank (“Common Stock”), in order to provide an incent

May 17, 2004 EX-10.1

Director Stock Option Plan

Exhibit 10.1 STURGIS FEDERAL SAVINGS BANK DIRECTOR STOCK OPTION PLAN 1. Purpose. The purpose of the Director Stock Option Plan (the “Plan”) is to give Directors (“Directors”) of STURGIS FEDERAL SAVINGS BANK, a Federal Capital Stock Savings Bank (the “Bank”), an opportunity to acquire shares of the common stock of the Bank (“Common Stock”), in order to provide an incentive for Directors to continue

May 17, 2004 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2004 [ ] TRANSITION REPORT PURSUANT T

e10vq Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2004 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact n

May 17, 2004 EX-13.2

Excerpt from Annual Report to Stockholders

exv13w2 Exhibit 13.2 from 2003 Annual Report MARKET INFORMATION Shares of common stock of Bancorp were held by 391 shareholders of record as of December 31, 2003 according to Bancorp’s transfer agent. Bancorp’s shares are traded on the NASDAQ Small Cap Market under the symbol of “STBI”. Trading activity has been infrequent, and previous price information had not been regularly published. The range

November 14, 2003 EX-10.9

EX-10.9

EXHIBIT 10.9 EMPLOYMENT AGREEMENT This Agreement, made this 1(st) day of May, 2003, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and DAVID E. WATTERS of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STU

November 14, 2003 EX-10.7

EX-10.7

EXHIBIT 10.7 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2003, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and STEVEN L. GAGE, of LaGrange, Indiana 46761 ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment.

November 14, 2003 EX-10.8

EX-10.8

EXHIBIT 10.8 EMPLOYMENT AGREEMENT This Agreement, made this 1st day May, 2003 by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and TRACEY L. PARKER, of Three Rivers, Michigan 49093 ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employmen

November 14, 2003 EX-13.1

EX-13.1

EXHIBIT 13.1 EXHIBIT FROM 2002 ANNUAL REPORT ASSET/LIABILITY MANAGEMENT The primary component of the Bank's earnings is net interest income. The Bank's asset/liability management strategy is to maximize net interest income over time by reducing the impact of fluctuating interest rates. This is accomplished by matching the mix and maturities of its assets and liabilities. At the same time the Bank'

November 14, 2003 EX-10.6

EX-10.6

EXHIBIT 10.6 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2003, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and RONALD W. SCHESKE of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STUR

November 14, 2003 EX-10.4

EX-10.4

EXHIBIT 10.4 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2003, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and ERIC L. EISHEN of Bronson, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGIS

November 14, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

e10vq Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2003 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exa

November 14, 2003 EX-10.5

EX-10.5

EXHIBIT 10.5 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2003, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and BRIAN P. HOGGATT of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURG

November 14, 2003 EX-13.2

EX-13.2

EXHIBIT 13.2 EXHIBIT FROM 2002 ANNUAL REPORT MARKET INFORMATION Shares of common stock of Bancorp were held by 422 shareholders of record as of December 31, 2002 according to Bancorp's transfer agent. Bancorp's shares are traded on the NASDAQ exchange under the symbol of "STBI". Trading activity has been infrequent, and previous price information had not been regularly published. The range of high

August 13, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

e10vq Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2003 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact na

May 15, 2003 EX-99.1

EX-99.1

EXHIBIT 99.1 CERTIFICATION OF THE CEO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the "Company") on Form 10-Q for the period ended March 31, 2003 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Eric L. Eishen, Chief Executive Offi

May 15, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2003 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact name of

May 15, 2003 EX-99.2

EX-99.2

EXHIBIT 99.2 CERTIFICATION OF THE CFO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the "Company") on Form 10-Q for the period ended March 31, 2003 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Brian P. Hoggatt, Chief Financial Of

February 28, 2003 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Sturgis Bancorp, Inc.

sc13g OMB APPROVAL OMB Number: 3235-0145 Expires: December 31, 2005 Estimated average burden hours per response.

February 26, 2003 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Sturgis Bancorp, Inc.

OMB APPROVAL OMB Number: 3235-0145 Expires: December 31, 2005 Estimated average burden hours per response.

January 21, 2003 8-K

Current Report

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): January 16, 2003 STURGIS BANCORP, INC.

January 21, 2003 EX-99.1

FOR STURGIS BANK & TRUST COMPANY UPDATES, VISIT WWW.STURGISBANK.COM

Exhibit 99.1 January 21, 2003 CONTACT: BRIAN P. HOGGATT CHIEF FINANCIAL OFFICER GARY J. MALLOY RESIGNS FROM BOARD OF DIRECTORS Leonard L. Eishen, President/CEO of Sturgis Bancorp, Inc. today announced that effective on January 16, 2003, Director Gary J. Malloy resigned from the Board of Directors of Sturgis Bancorp, Inc. and its subsidiary, Sturgis Bank & Trust Company for personal reasons. Dr. Ph

November 14, 2002 EX-99.2

CERTIFICATION OF THE CFO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 99.2 CERTIFICATION OF THE CFO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the ?Company?) on Form 10-Q for the period ended September 30, 2002 as filed with the Securities and Exchange Commission on the date hereof (the ?Report?), I, Brian P. Hoggatt, Chief Financia

November 14, 2002 EX-99.1

CERTIFICATION OF THE CEO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 99.1 CERTIFICATION OF THE CEO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the ?Company?) on Form 10-Q for the period ended September 30, 2002 as filed with the Securities and Exchange Commission on the date hereof (the ?Report?), I, Leonard L. Eishen, Chief Executi

November 14, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

e10vq Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2002 o TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact n

November 14, 2002 EX-10.8

E-1 EMPLOYMENT AGREEMENT

EXHIBIT 10.8 E-1 EMPLOYMENT AGREEMENT This Agreement, made this 8th day of August, 2002, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank (?STURGIS?), and STEVEN L. GAGE, of 1215 N. 060 East, LaGrange, Indiana 46761 (?Employee?). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set fort

August 14, 2002 EX-99.2

EX-99.2

EXHIBIT 99.2 CERTIFICATION OF THE CFO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the "Company") on Form 10-Q for the period ended June 30, 2002 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Brian P. Hoggatt, Chief Financial Off

August 14, 2002 EX-10.5

EX-10.5

EXHIBIT 10.5 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2002, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and BRIAN P. HOGGATT of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURG

August 14, 2002 EX-99.1

EX-99.1

EXHIBIT 99.1 CERTIFICATION OF THE CEO PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Sturgis Bancorp, Inc. (the "Company") on Form 10-Q for the period ended June 30, 2002 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Leonard L. Eishen, Chief Executive Of

August 14, 2002 EX-10.6

EX-10.6

EXHIBIT 10.6 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2002, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and DAVID E. WATTERS of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURG

August 14, 2002 EX-10.4

EX-10.4

EXHIBIT 10.4 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2002, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and ERIC L. EISHEN of Bronson, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STURGIS

August 14, 2002 EX-10.7

EX-10.7

EXHIBIT 10.7 EMPLOYMENT AGREEMENT This Agreement, made this 1st day of May, 2002, by and between STURGIS BANK & TRUST COMPANY, a Michigan savings bank ("STURGIS"), and RONALD W. SCHESKE of Sturgis, Michigan ("Employee"). W I T N E S S E T H: WHEREAS, STURGIS desires to employ Employee and Employee desires to be employed by STURGIS upon the terms and conditions set forth herein. 1. Employment. STUR

August 14, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2002 o TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC. (Exact name of regi

May 14, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q

Sturgis Bancorp, Inc. Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 Form 10-Q (Mark One) QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2002 TRANSITION REPORT PURSUANT TO SECTION 13 or 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to STURGIS BANCORP, INC.

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