LSB Financial Corp.

LSB Financial Corp. is listed on NASDAQ (LSBI). LSB Financial Corp. (LSB Financial) is an Indiana corporation which was organized in 1994 by Lafayette Savings Bank, FSB (Lafayette Savings) for the purpose of becoming a thrift institution holding company. Lafayette Savings is a federally chartered stock savings bank headquartered in Lafayette, Indiana. Originally organized in 1869, Lafayette Savings converted to a federal savings bank in 1984. Lafayette Savings' deposits are insured up to the applicable limits by the Bank Insurance Fund of the Federal Deposit Insurance Corporation (the FDIC). In February 1995, Lafayette Savings converted to the stock form of organization through the sale and issuance of 1,029,576 shares of its common stock to LSB Financial. LSB Financial's principal asset is the outstanding stock of Lafayette Savings. LSB Financial presently has no separate operations and its business consists only of the business of Lafayette Savings.

Lsb Industries Inc.

Lsb Industries Inc. is listed on AMEX (LXU). LSB Industries, Inc. (the Company, We, Us, or Our) was formed in 1968 as an Oklahoma corporation, and in 1977 became a Delaware corporation. We are a diversified holding company which engages, through our subsidiaries, in: . the Climate Control Business manufactures and sells a broad range of water source heat pumps (including geothermal heat pumps) and hydronic fan coils, as well as other products including large custom air handlers, used in commercial and residential air conditioning systems and . the Chemical Business manufactures and sells chemical products for the agricultural, varied industrial and mining markets. Certain statements contained in this Part I may be deemed to be forward-looking statements. See Special Note Regarding Forward-Looking Statements.

Moscow CableCom Corp. .. Group, Inc. until February 24, 2004, has been incorporated under the laws of the State of Delaware since 1998. From 1951 to 1998, the Company had bee..

Margo Caribe Inc. .. Margo Caribe, Inc. with the Securities and Exchange Commission, in its press releases or other public or shareholder communications, or in oral state..

Maidenform Brands Inc. ..er to various trademarks, service marks and trade names that we use in our business. Maidenform, Flexees, Lilyette, Self Expressions, Sweet Nothings, ..

Maxygen Inc. ..r protein optimization and modification technologies to create and develop novel therapeutic and industrial products. We are a leader in the field of ..

Navigators Group Inc. (The) .. consisting of the accounts of The Navigators Group, Inc., a Delaware holding company established in 1982, and its wholly owned subsidiaries are prepa..

Nationwide Financial Services Inc. ..November 1996. NFS is the holding company for Nationwide Life Insurance Company (NLIC) and other companies that comprise the domestic life insurance a..

Northern Indiana Public Service Company ..any whose subsidiaries provide natural gas, electricity and other products and services to over 3.7 million customers located within a corridor that r..

NL Industries Inc. ..oration in 1891, has operations through majority-owned subsidiaries and less than majority-owned affiliates in the component products and chemicals in..

Inergy L.P. ..s Gas Products, Inc. (Atlas), headquartered in Costonia, OH. Atlas delivers propane to approximately 7,000 customers from three retail locations. On O..

North American Galvanizing & Coatings Inc .. Tulsa, Oklahoma. As used in this report, except where otherwise stated or indicated by the context, North American Galvanizing (the Company and the R..

Northwest Bancorp Inc. ..ormed on June 29, 2001, as the successor to a Pennsylvania corporation of the same name. Both the Federal corporation and its Pennsylvania predecessor..

Oil-Dri Corporation Of America ..nd marketing sorbent products and related services for the consumer, specialty, crop production and horticulture and industrial and automotive markets..

Olin Corporation ..orated in 1892, having its principal executive offices in Clayton, MO. We are a manufacturer concentrated in three business segments: Chlor Alkali Pro..

Old National Bancorp Capital Trust I .. holding company incorporated in the State of Indiana and maintains its principal executive office in Evansville, Indiana. Old National, through its w..

OSI Pharmaceuticals Inc. ..ocused on the discovery, development and commercialization of high quality oncology products that both extend life and improve the quality-of-life for..

Parlux Fragrances Inc. ..ware in 1984 and is engaged in the creation, design, manufacture, distribution and sale of prestige fragrances and beauty related products marketed pr..

PC-Tel Inc. ..thin the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These statements include, among ..

Pacific Ethanol Inc. ..D RELATED TO THE HISTORIC AND CURRENT BUSINESS ACTIVITIES OF THE COMPANY. HOWEVER, THE COMPANY IS CURRENTLY ENGAGED IN A TRANSACTION WHICH, IF CONCLUD..

Pogo Producing Company ..d in oil and gas exploration, development, acquisition and production activities on its properties located offshore in the Gulf of Mexico, onshore in ..

Phillips-Van Heusen Corporation ..e, our or us refer to Phillips-Van Heusen Corporation and its subsidiaries taken as a whole. Our fiscal years are based on the 52-53 week period endin..

China Automotive Systems Inc. ..-looking statements within the meaning of Section 27A of the Securities Act of 1933, and Section 21E of the Securities Exchange Act of 1934. These sta..

PrimeEnergy Corporation ..at are based on management's current expectations, estimates and projections. Words such as expects, anticipates, intends, plans, believes, projects a..

Praxair Inc. ..1907 and became an independent publicly traded company in 1992. Praxair was the first company in the United States to produce oxygen from air using a ..

Pearson Plc ..h its principal operations in the education, business information and consumer publishing markets. We have significant operations in the United States..

Protherics Plc ..rmaceutical company engaged in the development, manufacture and sale of pharmaceutical products largely for the treatment of human diseases. The Compa..

Penn Virginia Resource Partners LP ..e limited partnership formed by Penn Virginia Corporation (Penn Virginia) in 2001 to primarily engage in the business of managing coal properties in t..

QuadraMed Corporation .., is dedicated to improving healthcare delivery by providing innovative healthcare information technology and services. We provide healthcare informat..

Rand Capital Corporation .. incorporated under the law of New York on February 24, 1969. Commencing in 1971, Rand operated as a publicly traded, closed-end, diversified manageme..

Richmont Mines Inc. ..ny is Richmont Mines Inc. The Company is a corporation domiciled in Quebec, Canada. The Company was incorporated pursuant to Part 1A of the Companies ..

Rinker Group Limited ..ith respect to market size information represent the judgment of the management of Rinker, based on records and experience of Rinker and its subsidiar..

Rotonics Manufacturing Inc. ..inois Corporation, and was reincorporated in Delaware in December 1986. Effective July 1, 1991, the Company merged with Rotonics Molding, Inc.-Chicago..

Rockwood Holdings Inc. ..ise requires, any references to we, our, us, the Company or Rockwood refer to Rockwood Holdings, Inc. and its consolidated subsidiaries. General Rockw..

Raytheon Company ..ales of $20.2 billion, is an industry leader in defense and government electronics, space, technical services, and business and special mission aircra..

SeaBright Insurance Holdings Inc. ..l workers' compensation insurance. We are domiciled in Illinois, commercially domiciled in California and headquartered in Seattle, Washington. We are..

ServiceMaster Company (The) ..g both residential and commercial customers. ServiceMasters services include lawn care and landscape maintenance; termite and pest control; home warra..

Serologicals Corporation ..products, enabling technologies and services to a diverse customer base that includes major life science companies and leading research institutions. ..

Southwest Water Company ..hwest Water, the Company, we, us or our, except where the context requires otherwise) provide a broad range of services including water production, tr..

Shoe Carnival Inc. ..ents that involve a number of risks and uncertainties. A number of factors could cause our actual results, performance, achievements or industry resul..

Skechers U.S.A. Inc. ..ncorporated in Delaware in 1999. Throughout this report, we refer to Skechers U.S.A., Inc., a Delaware corporation, and its consolidated subsidiaries ..

Sands Regent (The) .. and our) operate casinos and tourist-based facilities through our wholly-owned subsidiaries: Zante, Inc., which owns and operates the Sands Regency C..

Speedway Motorsports Inc. ..us, and our) is a leading promoter, marketer and sponsor of motorsports activities in the United States. We own and operate Atlanta Motor Speedway (AM..

St Joseph Capital Corp ..company that owns St. Joseph Capital Bank, a full-service commercial banking institution headquartered in Mishawaka, Indiana. The Bank provides a broa..

Siliconware Precision Industries Company Ltd. ..sion Industries Co., Ltd. We were incorporated under the ROC Company Act as a company limited by shares on May 17, 1984 and our shares were listed on ..

State Auto Financial Corporation ..ny formed in 1990 and headquartered in Columbus, Ohio. STFC engages primarily in the property and casualty insurance business through its 100% owned s..

Superior Energy Services Inc. ..services and equipment focused on serving the production-related needs of oil and gas companies primarily in the Gulf of Mexico and the drilling-relat..

Sunoco Logistics Partners LP ..formed by Sunoco, Inc. on October 15, 2001 to own, operate and acquire a geographically diversified portfolio of complementary pipeline, terminalling,..

TBS International Limited ..at offers worldwide shipping solutions through liner, parcel, bulk and vessel chartering services. Over the past 13 years, we have developed our franc..

TEL Offshore Trust ..laws of the State of Texas, maintains its offices at the office of the Corporate Trustee, JPMorgan Chase Bank (formerly known as The Chase Manhattan B..

TGC Industries Inc. ..engaged in the geophysical service business, primarily conducting Three-D (3-D) surveys for clients in the oil and gas business. TGC's principal busin..

TJX Companies Inc. (The) ..nd home fashions in the United States and worldwide. Our seven off-price chains are synergistic in their philosophies and operating platforms. We sell..

Thor Industries Inc. ..ells a wide range of recreation vehicles and small and mid-size buses in the United States and Canada. We are incorporated in Delaware and are the suc..

Tripos Inc. ..roducts and services enable life science companies to enhance their drug discovery capabilities. We combine our resources in computer-aided molecular ..

TRW Automotive Holdings Corporation ..s largest and most diversified suppliers of automotive systems, modules and components to global automotive original equipment manufacturers, or OEMs,..

TurboChef Technologies Inc. ..f 5,000,000 shares of our common stock at $20.50 before discounts and commissions to underwriters and other offering expenses. Of the shares sold, 2,9..

Tesco Corporation ..three years, TESCO has maintained its business as an innovative oilfield drilling technology company and growing oilfield service and equipment suppli..

United Bancshares Inc. ..a bank holding company registered under the Bank Holding Company Act of 1956, as amended, and is subject to regulation by the Board of Governors of th..

United Mobile Homes Inc. ..y-seven manufactured home communities containing approximately 6,200 sites. These communities are located in New Jersey, New York, Ohio, Pennsylvania ..

USANA Health Sciences Inc. ..corporation, founded in 1992 by Myron W. Wentz, Ph.D., that develops and manufactures high-quality, science-based nutritional and personal care produc..

Valassis Communications Inc. ..ts and services to a variety of premier manufacturers, direct marketers, retailers, franchisees and other advertisers. We can provide these products a..

Valero Energy Corporation ..00 company based in San Antonio, Texas, with 2004 total revenues of $54.6 billion. On January 31, 2005, Valero had 19,797 employees. Its principal exe..

ViryaNet Ltd. ..elopment Both our legal and commercial name is ViryaNet Ltd. We were incorporated and registered in Israel on March 13, 1988 under the name R.T.S. Rel..

Wilshire Enterprises Inc ..thin the meaning of the federal securities laws. These statements relate to future economic performance, plans and objectives of management for future..

Xanser Corporation .. businesses in two industry segments, technical services and information technology services. The technical services and information technology servic..

Arctic Cat Inc. ..d in Thief River Falls, Minnesota. The Company operates in a single industry segment and designs, engineers, manufactures and markets snowmobiles and ..

Agilent Technologies Inc. ..e in May 1999, is the worlds premier measurement company providing core bio-analytical and electronic measurement solutions to the communications, ele..

Advanced Photonix Inc. ..r the laws of the State of Delaware in June 1988. The Company is engaged in the development and manufacture of custom optoelectronic solutions, servin..

America First Mortgage Investments Inc. ..f investing, on a leveraged basis, in mortgage-backed securities (MBS), which include hybrid and adjustable-rate MBS (collectively, ARM-MBS). The Comp..