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Credit RatingsView Ratings Scale
 S&PMoody'sFitch RatingsDBRS Ltd
Long-term Issuer-
-
BBB (OS)
10/17/2012		-
Short-term/Commercial Paper-
-
F2
10/17/2012		-
Bank Individual-
-
bbb
10/17/2012		-
Bank Support-
-
5
10/17/2012		-
Trust Preferred-
-
BB-
10/17/2012		-
Credit Ratings (Subsidiaries)
 S&PMoody'sFitch RatingsDBRS Ltd
Citizens Business Bank
Certificate of Deposit-
-
BBB+
10/17/2012		-
Bank Individual-
-
bbb
10/17/2012		-
Bank Support-
-
5
10/17/2012		-
Long-term Issuer-
-
BBB (OS)
10/17/2012		-
Short-term/Commercial Paper-
-
F2
10/17/2012		-
 
Ratings Watch Action Legend: (WP) Watch Positive, (WN) Watch Negative, (WU) Watch Uncertain, (WR) Watch Removed, (OP) Outlook Positive, (ON) Outlook Negative, (OS) Outlook Stable, (OD) Outlook Developing

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