8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 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 19, 2012

STANDARD FINANCIAL CORP.

(Exact Name of Registrant as Specified in its Charter)

Maryland	001-34893	27-3100949
(State or Other Jurisdiction of Incorporation)	(Commission File No.)	(I.R.S. Employer Identification No.)
2640 Monroeville Boulevard, Monroeville, Pennsylvania		15146
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: 412-856-0363

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations

On January 19, 2012, Standard Financial Corp. (the “Company”) issued a press release reporting its financial results for the three months ended December 31, 2011. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the SEC and shall not be deemed “filed” for any purpose.

Item 8.01 Other Events

The Company announced on January 19, 2012, that the Company’s board of directors declared a quarterly cash dividend of $.045 per share of the Company’s common stock. The dividend will be payable to stockholders of record as of February 2, 2012 and will paid on February 15, 2012.

Item 9.01 Financial Statements and Exhibits

(a)	Financial statements of businesses acquired. Not Applicable.
(b)	Pro forma financial information. Not Applicable.
(c)	Shell company transactions: Not Applicable.
(d)	Exhibits.
	The following Exhibit is attached as part of this report:
	99.1 Press release dated January 19, 2012

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		STANDARD FINANCIAL CORP.
DATE: January 19, 2012	By:	/s/ Timothy K. Zimmerman
		Timothy K. Zimmerman
		President and Chief Executive Officer

EXHIBIT INDEX

Exhibit No.	Description
99.1	Press release dated January 19, 2012

EX-99.1

Exhibit 99.1

	CONTACTS:
	Timothy K. Zimmerman President & Chief Executive Officer 412.856.0363
RELEASE DATE:	Colleen M. Brown
January 19, 2012	Chief Financial Officer
	412.856.0363

STANDARD FINANCIAL CORP. ANNOUNCES

A QUARTERLY DIVIDEND PAYMENT AND FIRST QUARTER EARNINGS

Monroeville, Pennsylvania – January 19, 2012 – Standard Financial Corp. (the “Company”) - (NasdaqCM: STND), the holding company for Standard Bank PaSB, today announced first quarter earnings of $831,000 for the three month period ended December 31, 2011 compared to $18,000 for the three month period ended December 31, 2010. The $813,000 increase in net income for the three months ended December 31, 2011 compared to the prior year quarter was primarily due to a one-time $908,000 after tax expense for a contribution to Standard Charitable Foundation in the first quarter of fiscal 2011. Annualized return on average assets and average equity were 0.76% and 4.25%, respectively, for the quarter ended December 31, 2011 compared to 0.02% and 0.10%, respectively, (0.85% and 4.94%, respectively, excluding the one-time charitable foundation contribution) for the quarter ended December 31, 2010.

The Company’s board of directors declared a quarterly cash dividend of $.045 per share of the Company’s common stock. The dividend will be payable to stockholders of record as of February 2, 2012 and will be paid on February 15, 2012.

Timothy K. Zimmerman, President & CEO, stated, “We are pleased to report a solid quarter of earnings. We continue to be challenged by a difficult economic environment and historical low interest rates. Our focus remains on managing the interest rate margin and asset quality.”

Net interest income for the quarter ended December 31, 2011 of $3.3 million was unchanged from the quarter ended December 31, 2010. The provision for loan losses was $300,000 for the quarter ended December 31, 2011 compared to $350,000 for the quarter ended December 31, 2010. Non-performing loans at December 31, 2011 were $3.8 million or 1.30% of total loans compared to $4.6 million or 1.60% of total loans at September 30, 2011 and $4.0 million or 1.35% of total loans at December 31, 2010.

Total non-interest expenses were $2.4 million for the quarter ended December 31, 2011 compared to $2.3 million for the quarter ended December 31, 2010. The $103,000 or 4.5% increase was due mainly to general cost increases in personnel related and other operating expenses.

Standard Financial Corp., with total assets of $437.3 million at December 31, 2011, is the parent company of Standard Bank, a Pennsylvania chartered savings bank which operates ten offices serving individuals and small to mid-sized businesses in Allegheny, Westmoreland and Bedford Counties, in Pennsylvania and Allegany County in Maryland. Standard Bank is a Member of the FDIC and an Equal Housing Lender.

This news release may contain a number of forward-looking statements, as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated due to a number of factors, including, but not limited to, factors discussed in documents filed by the Company with the Securities and Exchange Commission from time to time. The Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

(More)

Standard Financial Corp.

Financial Highlights

(Dollars in thousands, except per share data)

(Unaudited)

OPERATIONS DATA:	Three Months Ended December 31,
	2011			2010
Interest and Dividend Income	$	4,441		$	4,651
Interest Expense		1,125			1,339
Net Interest Income		3,316			3,312
Provision for Loan Losses		300			350
Net Interest Income after Provision for Loan Losses		3,016			2,962
Noninterest Income		594			617
Contribution to Standard Charitable Foundation		—			1,376
Noninterest Expenses		2,418			2,315
Income (Loss) before Income Tax Expense (Benefit)		1,192			(112	)
Income Tax Expense (Benefit)		361			(130	)
Net Income	$	831		$	18
Earnings Per Share (EPS)	$	0.26			Not Meaningful
Annualized Return on Average Assets (ROA)		0.76	%		0.02	%
Annualized Return on Average Equity (ROE)		4.25	%		0.10	%
Net Interest Spread		3.11	%		3.05	%
Net Interest Margin		3.26	%		3.24	%
FINANCIAL CONDITION DATA:	December 31, 2011			September 30, 2010
Total Assets	$	437,304		$	434,619
Cash and Cash Equivalents		12,398			12,658
Total Investment Securities		103,034			105,754
Loans Receivable, Net		290,702			285,113
Deposits		324,359			320,322
Borrowed Funds		30,993			31,417
Total Stockholders' Equity		78,371			78,716
Book Value Per Share	$	22.89		$	22.63
Tangible Book Value Per Share	$	20.14		$	19.91
Allowance for Loan Losses to Total Loans		1.47	%		1.56	%
Non-Performing Assets to Total Assets		1.17	%		1.24	%
Non-Performing Loans to Total Loans		1.30	%		1.60	%