First Citizens Banc Corp

Data for trailing four quarters

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Performance Ratios (%)		FCZA	Peer Median	Peer Average
	ROAA	0.54	0.61	0.62
	ROAE	5.94	6.82	6.87
	Net Interest Margin	3.82	3.50	3.60
	Efficiency Ratio	73.16	74.06	76.95
	Loans / Deposits	83.54	85.19	83.61

Asset Quality Ratios (%)
	NPAs / Assets	NA	2.41	2.41
	NCOs / Avg Loans	0.86	0.42	0.40
	Reserves / Loans	2.44	1.51	1.55
	Reserves / NPAs	NA	59.89	60.72

Capital Ratios (%)
	Tier 1 Capital	13.60	11.77	11.78
	Tangible Equity / Tangible Assets	7.00	8.90	8.67
	Total Equity / Total Assets	8.95	9.18	9.47

Market Ratios
	Price / Earnings (x)	11.46	12.55	14.83
	Price / Book (%)	70.14	81.19	84.18
	Dividend Yield (%)	2.15	1.56	2.25

First Citizens Banc Corp's peer group consists of the following: Camco Financial Corporation (CAFI), LNB Bancorp, Inc. (LNBB), NB&T Financial Group, Inc. (NBTF), Ohio Legacy Corp (OLCB), Ohio Valley Banc Corp. (OVBC), SB Financial Group, Inc. (SBFG), United Bancorp, Inc. (UBCP), United Bancshares, Inc. (UBOH)

First Citizens Banc Corp's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013


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