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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549
    FORM
10-K/A(Amendment No.1) þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
  OR o
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
  Commission File Number 1-15025 CENTRUE FINANCIAL CORPORATION  Delaware
(State or other jurisdiction of
incorporation or organization)
    
    36-3846489
(I.R.S. Employer
Identification Number)303 Fountains Parkway,
Fairview Heights, Illinois
(Address of principal executive offices)
    
    62208
(Zip Code)
 Registrants telephone number, including area code: (815) 937-4440 Securities Registered Pursuant to Section 12(b) of the Act: NONE
 Securities Registered Pursuant to Section 12(g) of the Act:Common Stock, par value $.01 per share
Preferred Share Purchase Rights
(Title of Class) o x
 o x
 Indicate by check mark whether the Registrant (1) has filed all reports required to be filed
by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding twelve months
(or for such shorter period that the Registrant was required to file such reports), and (2) has
been subject to such requirements for the past 90 days. þ o
 Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation
S-K is not contained herein, and will not be contained, to the best of Registrants knowledge, in
definitive proxy or information statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K.o o o þ
 The aggregate market value of the voting and non-voting common equity held by non-affiliates
of the registrant, based on the last sales price ($27.71) on the American Stock Exchange on June
30, 2004, the last business day of the registrants most recently completed second fiscal quarter,
was approximately $65,486,358. As of March 4, 2005, the Registrant had issued and outstanding 2,377,501 shares of the
Registrants common stock. DOCUMENTS INCORPORATED BY REFERENCE None




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EXPLANATORY NOTE




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PART IV 
 Item 15. Exhibits and Financial Statement Schedules (a)(1) Consolidated Financial Statements: The following information
appearing in the Registrants 2004 Annual Report to Stockholders is
attached to this Annual Report on Form 10-K as Exhibit 13.1. Pages inAnnual Report Section
    
    Annual ReportSelected Financial Data
    
    
    4Managements Discussion and Analysis of
Financial Condition and Results of Operations
    
    
    5-28Report of Independent Registered Public Accounting Firm
    
    
    29Consolidated Balance Sheets
    
    
    30Consolidated Statements of Income
    
    
    31Consolidated Statements of Stockholders Equity
    
    
    32Consolidated Statements of Cash Flows
    
    
    33-35Notes to Consolidated Financial Statements
    
    
    36-62Quarterly Financial Information
    
    
    62
 With the exception of those sections specifically incorporated by reference, the Registrants
2004 Annual Report to Stockholders is not deemed filed as part of this Annual Report on Form 10-K. (a)(2) Financial Statement Schedules: Financial statement schedules have been omitted as the required information is contained in
the consolidated financial statements and notes thereto, or because such schedules are not required
or applicable.




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(a)(3) Exhibits: Regulation
    
    
    
    Reference to Prior FilingS-K Exhibit
    
    
    
    or Exhibit NumberNumber
    
    Document
    
    Attached Hereto3.1
    
    Articles of Incorporation
    
    
    (6
    )3.2
    
    Bylaws
    
    
    (1
    )4.1
    
    Form of Rights Agreement
    
    
    (4
    )10.1
    
    Stock Option Plan
    
    
    (2
    )10.2
    
    401(k) Plan
    
    
    (1
    )10.3
    
    Employment Agreement between the
Bank and Thomas A. Daiber
    
    
    (3
    )10.4
    
    Employment Agreement between the
Bank and James M. Lindstrom
    
    
    (3
    )10.5
    
    Employment Agreement between the
Bank and Michael A. OGorman
    
    
    (3
    )10.6
    
    Employment Agreement between the
Bank and Carol S. Hoekstra
    
    
    (3
    )10.7
    
    Indenture dated April 10, 2002,
between the Company and
Wilmington Trust Company
    
    
    (6
    )10.8
    
    Indenture dated April 22, 2004,
between the Company and U.S.
Bank, N.A.
    
    
    (5
    )10.9
    
    Non-employee Directors
Deferred Compensation Plan
    
    
    (7
    )10.10
    
    Director Fee Schedule
    
    
    (8
    )13.1
    
    2004 Annual Report to Stockholders
    
    
    13.121.1
    
    Subsidiaries of the Registrant
    
    
    (8
    )23.1
    
    Consent of Independent Registered
Public Accounting Firm
    
    
    (8
    )31.1
    
    Certification of Chief Executive
Officer Pursuant to Rule
13a-14(a)/15d-14(a)
    
    
    31.131.2
    
    Certification of Principal Financial
Officer Pursuant to Rule
13a-14(a)/15d-14(a)
    
    
    31.2




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Regulation
    
    
    
    Reference to Prior FilingS-K Exhibit
    
    
    
    or Exhibit NumberNumber
    
    Document
    
    Attached Hereto32.1
    
    Certification of Chief Executive
Officer Pursuant to 18 U.S.C.
Section 1350, as adopted Pursuant
to Section 906 of the
Sarbanes-Oxley Act of 2002
    
    
    32.132.2
    
    Certification of Principal Financial
Officer Pursuant to 18 U.S.C.
Section 1350, as adopted Pursuant
to Section 906 of the
Sarbanes-Oxley Act of 2002
    
    
    32.2
   (1)
    
    Filed on September 11, 1992, as exhibits to the Registrants Registration Statement No.
33-51950 on Form S-1. Such previously filed documents are hereby incorporated herein by
reference in accordance with Item 601 of Regulation S-K.(2)
    
    Filed on May 1, 2003, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(3)
    
    Filed on January 6, 2005, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(4)
    
    Filed on May 21, 1999, as an exhibit to the Registrants Form 8-K. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(5)
    
    Filed on August 13, 2004, as an exhibit to the Registrants Form 10-Q. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(6)
    
    Filed on March 30, 2004, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(7)
    
    Filed on March 14, 2003, as an appendix to the Registrants Definitive Proxy Statement for
2003. Such previously filed document is hereby incorporated herein by reference in accordance
with Item 601 of Regulation S-K.(8)
    
    Filed on March 23, 2005, as an exhibit to the Registrants original Annual Report on Form 10-K,
which is amended by this Annual Report on Form 10-K/A. 23




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SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934,
the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto
duly authorized. CENTRUE FINANCIAL CORPORATIONDate:
May 11, 2006
    
    By:
    
    /s/ Thomas A. DaiberThomas A. Daiber,Chief Executive Officer and President




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INDEX TO EXHIBITS Regulation
    
    
    
    Reference to Prior FilingS-K Exhibit
    
    
    
    or Exhibit NumberNumber
    
    Document
    
    Attached Hereto3.1
    
    Articles of Incorporation
    
    
    (6
    )3.2
    
    Bylaws
    
    
    (1
    )4.1
    
    Form of Rights Agreement
    
    
    (4
    )10.1
    
    Stock Option Plan
    
    
    (2
    )10.2
    
    401(k) Plan
    
    
    (1
    )10.3
    
    Employment Agreement between the
Bank and Thomas A. Daiber
    
    
    (3
    )10.4
    
    Employment Agreement between the
Bank and James M. Lindstrom
    
    
    (3
    )10.5
    
    Employment Agreement between the
Bank and Michael A. OGorman
    
    
    (3
    )10.6
    
    Employment Agreement between the
Bank and Carol S. Hoekstra
    
    
    (3
    )10.7
    
    Indenture dated April 10, 2002,
between the Company and
Wilmington Trust Company
    
    
    (6
    )10.8
    
    Indenture dated April 22, 2004,
between the Company and U.S. Bank
N.A.
    
    
    (5
    )10.9
    
    Non-employee Directors Deferred
Compensation Plan
    
    
    (7
    )10.10
    
    Director Fee Schedule
    
    
    (8
    )13.1
    
    2004 Annual Report to Stockholders
    
    
    13.121.1
    
    Subsidiaries of the Registrant
    
    
    (8
    )23.1
    
    Consent of Independent Registered
Public Accounting Firm
    
    
    (8
    )31.1
    
    Certification of Chief Executive
Officer Pursuant to Rule
13a-14(a)/15d-14(a)
    
    
    31.1




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Regulation
    
    
    
    Reference to Prior FilingS-K Exhibit
    
    
    
    or Exhibit NumberNumber
    
    Document
    
    Attached Hereto31.2
    
    Certification of Principal Financial
Officer Pursuant to Rule
13a-14(a)/15d-14(a)
    
    
    31.232.1
    
    Certification of Chief Executive
Officer Pursuant to 18 U.S.C.
Section 1350, as adopted Pursuant
to Section 906 of the
Sarbanes-Oxley Act of 2002
    
    
    32.132.2
    
    Certification of Principal Financial
Officer Pursuant to 18 U.S.C.
Section 1350, as adopted Pursuant
to Section 906 of the
Sarbanes-Oxley Act of 2002
    
    
    32.2
   (1)
    
    Filed on September 11, 1992, as exhibits to the Registrants Registration Statement No.
33-51950 on Form S-1. Such previously filed documents are hereby incorporated herein by
reference in accordance with Item 601 of Regulation S-K.(2)
    
    Filed on May 1, 2003, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(3)
    
    Filed on January 6, 2005, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(4)
    
    Filed on May 21, 1999, as an exhibit to the Registrants Form 8-K. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(5)
    
    Filed on August 13, 2004, as an exhibit to the Registrants Form 10-Q. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(6)
    
    Filed on March 30, 2004, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(7)
    
    Filed on March 14, 2003, as an appendix to the Registrants Definitive Proxy Statement for
2003. Such previously filed document is hereby incorporated herein by reference in accordance
with Item 601 of Regulation S-K.(8)
    
    Filed on March 23, 2005, as an exhibit to the Registrants original Annual Report on Form 10-K,
which is amended by this Annual Report on Form 10-K/A.