Civista Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

In 1884, The Citizens Banking Company opened its doors in Sandusky, Ohio. The Citizens Banking Company supports a variety of economic, educational, cultural, and health and human service initiatives within the communities it serves.

Throughout the past 15 years, growth opportunities included the acquisition of The Castalia Banking Company in 1990, Farmers Bank of New Washington in 1998, Citizens National Bank of Norwalk in 2002, First National Bank of Shelby in 2004, and the Miami Valley Bank and Champaign Bank in 2007. Today, the bank operates 27 offices across 10 counties under either the Citizens Bank or Champaign Bank name.

The Citizens Banking Company is the banking subsidiary of First Citizens Banc Corp, a holding company with assets of approximately $1.1 billion headquartered in Sandusky, Ohio. The Citizens Banking Company markets itself as Citizens Bank and Champaign Bank. As a full-service financial institution with over 25 locations and 300 employees throughout Champaign, Crawford, Erie, Franklin, Huron, Logan, Madison, Ottawa, Richland and Summit counties, the bank serves the needs of consumer, business, mortgage and wealth management customers.

First Citizens Banc Corp.
100 East Water Street
P.O. Box 5016
Sandusky, OH 44870-2514
(419) 625-4121
(888) 645-4121 (Toll Free)
(419) 627-3359 (Fax)