10 Year Financial Data of First Citizens Bancshares Inc (TN) (FIZN)

37.8 (1y: +0%)

Market Cap	136.4 M	P/E(ttm)
Enterprise Value		P/B

FIZN- OTCPK (USA)
First Citizens Bancshares Inc (TN)

Not Rated

Top Ranked Predictable Companies

$37.80

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	0	0	0
EBITDA Growth (%)	0	0	0
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	0	0	0

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	TTM	Jun11	Sep11	Dec11	Mar12	Jun12

Revenue per Share ($)	11.87	12.78	13.18	13.25	13.42	3.31	3.37	3.27	3.41	3.37
EBITDA per Share	2.84	2.84	3.33	4.25	4.58	1.07	1.08	1.02	1.29	1.19
Free Cashflow per Share	3.40	2.14	4.40	4.90	6.27	-0.66	2.83	1.81	0.81	0.82
Earnings per Share ($)	2.08	2.30	2.45	3.28	3.56	0.79	0.89	0.77	0.97	0.93
Dividends Per Share	--	--	--	0.20	0.45	--	--	0.20	0.25	--
Book Value per Share	21.24	23.26	24.06	28.06	29.86	26.31	28.04	28.12	28.92	29.86
Month End Stock Price	--	--	29.25	--	--	31.00	--	--	33.00	--
Ratios	Annuals					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	Latest Q.	Jun11	Sep11	Dec11	Mar12	Jun12

Return on Equity %	9.80	9.90	10.20	11.70	12.40	12.00	12.80	10.80	13.60	12.40
Return on Assets %	0.80	0.90	0.90	1.10	1.20	1.20	1.20	1.20	1.20	1.20
Return on Capital - Joel Greenblatt %	74.30	110	144	--	--	220	--	--	--	--
Debt to Equity	0.96	0.89	0.60	0.47	0.48	0.49	0.52	0.47	0.45	0.48

Operating Margin %	23.90	22.20	25.30	32.10	35.50	32.30	32.20	31.30	37.80	35.50
Net Margin %	17.50	18.00	18.60	24.80	27.40	24.00	26.50	23.50	28.50	27.40

Debt to Revenue	1.72	1.63	1.09	0.99	4.29	3.89	4.31	4.01	3.83	4.29
Interest Exp. to Revenue %	69.33	71.69	71.86	75.52	75.26	76.53	76.68	75.66	72.85	75.26

Asset Turnover	0.05	0.05	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio	--	--	--	0.06	--	--	--	0.26	0.26	--
Income Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	TTM	Jun11	Sep11	Dec11	Mar12	Jun12

Net Interest Income	29.83	33.20	34.34	36.15	36.37	9.15	9.32	8.93	8.97	9.15
Non Interest Income	13.20	13.11	13.45	11.72	12.06	2.81	2.84	2.87	3.34	3.01
Revenue	43.03	46.31	47.79	47.87	48.43	11.95	12.16	11.80	12.32	12.15

Selling, General, &Admin. Expense	18.88	19.02	19.13	20.14	20.66	5.00	4.86	5.26	5.32	5.21
Credit Losses Provision	2.86	7.06	7.00	2.43	1.50	0.65	0.70	0.50	--	0.30
Other Expenses	10.99	9.94	9.58	9.93	9.71	2.45	2.68	2.35	2.35	2.33
Earnings Before DDA	10.30	10.29	12.08	15.37	16.57	3.85	3.91	3.69	4.66	4.31


Operating Income	10.30	10.29	12.08	15.37	16.57	3.85	3.91	3.69	4.66	4.31
Net Income	7.53	8.33	8.88	11.86	12.83	2.87	3.22	2.78	3.52	3.32

Earnings per Share ($)	2.08	2.30	2.45	3.28	3.56	0.79	0.89	0.77	0.97	0.93
Total Shares Outstanding	3.63	3.63	3.63	3.61	3.61	3.62	3.61	3.61	3.61	3.61
Balance Sheet	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	Latest Q.	Jun11	Sep11	Dec11	Mar12	Jun12

Cash and cash equivalents	17.89	21.18	21.90	59.60	42.84	23.60	48.88	59.60	49.39	42.84
Money Market Investments	22.82	11.17	18.06	-25.47	-26.40	-8.15	-30.67	-25.47	32.26	-26.40
Net Loan	592	581	542	522	508	554	548	522	528	508
Securities & Investments	211	250	295	365	408	324	335	365	373	408
Accounts Receivable	5.58	5.41	5.22	5.31	5.40	5.37	6.29	5.31	4.99	5.40
Property, Plant and Equipment	31.75	30.53	30.27	29.55	29.21	29.61	29.44	29.55	29.40	29.21
Intangible Assets	12.11	12.03	11.95	11.86	11.83	11.90	11.88	11.86	11.84	11.83
Other Assets	34.77	45.10	49.71	84.96	104	58.00	82.51	84.96	44.79	104
Total Assets	928	957	974	1,054	1,083	998	1,031	1,054	1,073	1,083

Total Deposits	735	752	792	856	875	812	826	856	876	875
Current Portion of Long-Term Debt	--	--	--	--	--	1.00	5.00	--	--	--
Long-Term Debt	73.84	75.28	52.26	47.33	52.08	45.54	47.43	47.33	47.22	52.08
Other liabilities	41.74	44.82	43.05	49.14	48.04	44.43	52.27	49.14	45.99	48.04
Total Liabilities	850	872	887	952	975	903	930	952	969	975

Common Stock	--	--	--	--	3.72	3.72	--	--	3.72	3.72
Retained Earnings	58.89	63.45	68.70	76.59	81.62	73.12	75.61	76.59	79.20	81.62
Additional Paid-In Capital	19.05	19.05	19.05	19.05	15.33	15.33	19.05	19.05	15.33	15.33
Treasury Stock	-2.46	-2.44	-2.42	-3.02	-3.02	-2.92	-3.02	-3.02	-3.02	-3.02
Total Equity	77.01	84.31	87.22	101	108	95.11	101	101	104	108
Cashflow Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	TTM	Jun11	Sep11	Dec11	Mar12	Jun12

Net Income	7.53	8.33	8.88	11.86	11.86	--	--	11.86	--	--
Cash Flow from Others	8.12	0.06	8.62	6.96	11.88	-1.97	10.50	-5.02	3.18	3.21
Cash Flow from Operations	15.65	8.38	17.49	18.82	23.74	-1.97	10.50	6.84	3.18	3.21

Investment for Property, Plant & Equipement	-3.31	-0.63	-1.54	-1.12	-1.11	-0.40	-0.28	-0.31	-0.28	-0.26
Cash Flow from Investing	-40.87	-35.52	-23.13	-73.86	-87.52	0.69	-30.86	-10.65	-7.60	-38.40

Net Issuance of Stock	--	--	--	--	0.50	-0.50	-0.11	--	--	0.61
Net Issuance of Debt	0.58	5.30	-25.34	-3.77	6.89	1.22	10.78	-8.64	-0.11	4.85
Cash Flow for Dividends	-4.21	-3.77	-3.63	-3.97	-4.33	-0.72	-0.72	-1.80	-0.90	-0.90
Other Financing	44.31	17.25	39.72	63.22	61.71	-11.41	13.18	30.17	17.53	0.83
Cash Flow from Financing	40.69	18.78	10.75	55.48	64.77	-11.41	23.12	19.73	16.52	5.39

Net Change in Cash	15.46	-8.36	5.12	0.44	0.99	-12.69	2.77	15.92	12.11	-29.80

Free Cash Flow	12.34	7.75	15.96	17.70	22.63	-2.37	10.23	6.54	2.91	2.96
Valuation Ratios (Daily)	Annuals					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	Latest Q.	Jun11	Sep11	Dec11	Mar12	Jun12

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Valuation and Quality	Annuals					Quarterly
Fiscal Period	Dec08	Dec09	Dec10	Dec11	Latest Q.	Jun11	Sep11	Dec11	Mar12	Jun12

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
Median PS (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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