Civista Bancshares Inc (CIVB)

[Penny Roger$]

First Citizens Banc Corp (FCBC) is a financial holding company. Through the subsidiary bank, The Citizens National Bank, the Company is engaged in the business of community banking. The subsidiaries of the Company are The Citizens Banking Company (Citizens), SCC Resources Inc. (SCC), First Citizen Insurance Agency Inc (Insurance Agency), Water Street Properties (Water St.), First Citizens Investments, Inc (FCI) and First Citizen Capital LLC (FCC). Citizens is an insured bank under the Federal Deposit Insurance Act. SCC provides item-processing services for financial institutions, including Citizens, and other nonrelated entities. Insurance Agency was formed to allow the Company to participate in commission revenue generated through its third party insurance agreement. Water St. was formed to hold properties repossessed by FCBC subsidiaries. FCI was formed as a wholly owned subsidiary of Citizens to hold and manage its securities portfolio.

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