First Citizens Banc Corp

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	806,876	763,647	5.66	815,553	(4.26)
Loans Held for Sale, before Reserves	272	855	(68.19)	1,873	(341.91)
Loan Loss Reserve	19,710	22,024	(10.51)	19,742	(0.65)
Net Loans Receivable	787,438	742,478	6.06	797,684	(5.14)
Intangible Assets	24,647	25,555	(3.55)	24,859	(3.41)
Total Assets	1,173,686	1,133,434	3.55	1,136,971	12.92
Deposits	965,816	919,135	5.08	926,389	17.02
Debt, Senior and Subordinated	89,756	99,465	(9.76)	92,907	(13.57)
Common Equity	81,869	80,253	2.01	80,796	5.31
Total Shareholders' Equity	105,053	103,408	1.59	103,980	4.13
Shares Outstanding (actual)	7,707,917	7,707,917	0.00	7,707,917	0.00

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	9,988	10,445	(4.38)	9,959	1.16
Provision for Loan Losses	500	2,400	(79.17)	835	(160.48)
Noninterest Income	3,198	2,968	7.75	2,749	65.33
Noninterest Expense	10,208	9,320	9.53	9,211	43.30
Net Income Before Taxes	2,495	1,691	47.55	2,662	(25.09)
Provision for Taxes	582	398	46.23	696	(65.52)
Net Income	1,913	1,293	47.95	1,966	(10.78)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	10.62	10.41	2.01	10.48	5.31
Tangible Book Value	7.42	7.10	4.61	7.26	9.19
Diluted EPS Before Extra	0.21	0.13	61.54	0.22	(18.18)
Diluted EPS After Extra	0.21	0.13	61.54	0.22	(18.18)
Dividends Declared	0.0300	0.0300	0.00	0.0300	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.63	0.46	17	0.69	(6)
ROAE	7.36	5.01	234	7.48	(13)
Net Interest Margin	3.57	3.98	(42)	3.99	(42)
Loans / Deposits	83.54	83.08	46	88.04	(449)
Efficiency Ratio	75.81	65.93	988	66.87	893

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.00	7.03	(3)	7.11	(12)
Equity/ Assets	8.95	9.12	(17)	9.15	(19)

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	NA	3.33	NA	3.31	NA
Loan Loss Reserves/ Gross Loans	2.44	2.88	(44)	2.42	3
Loan Loss Reserves/ NPAs	NA	58.40	NA	52.39	NA
Net Charge-offs/ Avg Loans	0.26	0.85	(59)	1.29	(103)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.60	13.72	(12)	13.25	35

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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