First Citizens Bancshares, Inc. is a financial holding company. Through its principal bank subsidiary, First Citizens National Bank (the Bank), the Company conducts commercial banking and financial services operations primarily in West Tennessee. At December 31, 2009, the Company and its subsidiaries had total deposits of $752 million. The Company is the holding company for the Bank and First Citizens (TN) Statutory Trusts III and IV. The Bank is a diversified financial service institution that provides banking and other financial services to its customers. The Bank provides customary banking services, such as checking and savings accounts, fund transfers, various types of time deposits, safe deposit facilities, financing of commercial transactions and making and servicing both secured and unsecured loans to individuals, firms and corporations.