First Citizens Bancshares, Inc.

Climate Impact & Sustainability Data (2017)

Recognized by American Banker Magazine as one of the “Best Banks to Work For” (#19)
Named among the Top 200 Community Banks in the nation (#99)
Received FIS Impact Award, Bank Director Magazine’s Best Balanced Scorecard Banks award, and Tennessee Bankers Association’s “Pep Bank of the Year” award.
Ranked #2 Top Giving Company by United Way of West Tennessee
Achieved Bauer 5-Star rating (6 years in a row)
Awarded Governor’s Healthier Tennessee Workplace
Gave full-time teammates a one-time $1,000 bonus, part-time teammates a $250 bonus, and increased minimum wage from $11 to $12.
Made donations to local charities and established a scholarship fund for teammates’ dependents.

Strong governance, steady growth, and predictable earnings coupled with a strong consistent dividend.

Long-term Goals:

Continued independence through quality growth; consistent shareholder return that exceeds peers; and a corporate culture where teammates strive to deliver a level of service that exceeds customer expectations and builds loyal relationships.

Medium-term Goals:

Short-term Goals:

Decreased service charges on deposit accounts and decreased mortgage banking income.
Increased non-interest expenses associated with investments in human capital and two new branches.

Increased trust services and insurance activities to offset decreased service charges and mortgage banking income.
Offset salary and benefit increases with decreases in data processing, marketing, and other non-interest expenses.