MUNSTER – CFS Bancorp has announced second quarter earnings of $1.4 million, up from $1.2 million one year ago. CFS is the parent company for Citizens Financial Bank.

President and CEO Daryl Pomranke said Citizens has seen stronger demand for loans, but the bank’s nonperforming assets continuing to higher than preferred.

Citizens has $1.1 billion in assets at 20 branches in Northwest Indiana and suburban Chicago.