Citizens Banking Corporation (Citizens), incorporated in 1980, is a diversified banking and financial services company that provides a range of banking and financial services to individuals and businesses through its subsidiaries: Citizens Bank and F&M Bank-Iowa. The Company also provides wealth management services through Citizens Bank Wealth Management, N.A., and through the affiliate trust department of F&M Bank-Iowa. These services include deposit products, such as checking, savings and money market accounts, and loan products, such as business, personal, educational, residential, and commercial mortgage, and other consumer-oriented financial services, such as IRA and Keogh accounts, lease financing for a variety of capital equipment for commerce and industry, and safe deposit and night depository facilities. The Company conducts operations through 183 banking offices, private banking and financial center locations, and 187 automated teller machine (ATM) locations throughout Michigan, Wisconsin and Iowa. Citizens' operates along three major business lines: Commercial Banking, Consumer Banking and Wealth Management. On April 25, 2005, F&M Bank - Wisconsin became part of Citizens Bank and all offices were re-branded with the Citizens name and logo. Average total portfolio loans were $5.5 billion and total average deposits were $5.3 billion during the year ended December 31, 2005. Commercial Banking Commercial Banking provides a range of lending, depository, and related financial services to middle-market corporate, industrial, financial, small business, government and leasing clients. Products and services offered include commercial loans, such as term loans, revolving credit arrangements, and inventory and accounts receivable financing, commercial mortgages, real estate construction lending, letters of credit, and small business loans. Non-credit services for commercial customers include deposit accounts, treasury management, corporate cash management, international banking services, advice and assistance in the placement of securities, and financial planning. Consumer Banking Consumer Banking includes consumer lending and deposit gathering, small business lending, branch banking, electronic banking and residential mortgage loan origination and servicing. This line of business offers a variety of retail financial products and services including direct and indirect installment loans, debit and credit cards, home equity loans and lines of credit, residential mortgage loans, deposit products, fixed and variable annuities, and ATM network services. Consumer loans are composed of automobile, personal, marine and recreational vehicle loans. Deposit products include checking, savings, money market accounts, and certificates of deposit. Wealth Management Wealth Management offers an array of asset management, private banking, financial planning, estate settlement and administration, credit and deposit products and services. Trust and investment services include personal trust and planning, investment management, estate settlement, and administration services. Retirement plan services focus on investment management and fiduciary activities with special emphasis on 401(k) plans. Brokerage and insurance delivers retail mutual funds, other securities, variable and fixed annuities, personal disability and life insurance products and discounted brokerage services. Private banking provides credit, deposit and asset management solutions for affluent clients. Citizens competes with JP Morgan Chase and Company, Comerica Incorporated, National City Corporation, Fifth Third Bancorp, LaSalle Bank Corporation, Marshall and Ilsley Corporation, and Associated Banc-Corp.

• Download SqueezeTrigger (TM) Report
• Download FrictionFactor Report
• Download Daily Short Volume Report
• Download Real-Time Short Volume Tool
• Download Failures to Deliver

• No BuyIns.Net Alerts Available for CBCF