Citizens Republic Bancorp, Inc. is a diversified banking and financial services company that is registered as a bank holding company. Citizens provides a range of banking and financial services to individuals and businesses through its subsidiaries Citizens Bank and F&M Bank, Iowa. These services include deposit products, such as checking, savings, and money market accounts, and loan products, such as business, personal, residential, and commercial mortgage loans, and other consumer-oriented financial services, such as individual retirement account (IRA) accounts and safe deposit and night depository facilities. Automated Teller Machines (ATMs), which provide around the clock banking services to customers, are installed in many locations in the Corporation’s service areas.