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Data for trailing four quarters

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Performance Ratios (%)		CITIZENS REPUBLIC BANCORP	Peer Median	Peer Average
	ROAA	3.89	0.91	0.98
	ROAE	31.00	8.26	8.54
	Net Interest Margin	3.56	3.57	3.52
	Efficiency Ratio	65.75	62.30	63.10
	Loans / Deposits	73.44	82.41	81.46

Asset Quality Ratios (%)
	NPAs / Assets	0.93	1.70	1.84
	NCOs / Avg Loans	1.56	0.43	0.60
	Reserves / Loans	2.10	1.61	1.62
	Reserves / NPAs	124.12	72.82	81.42

Capital Ratios (%)
	Tier 1 Capital	15.71	12.98	13.50
	Tangible Equity / Tangible Assets	11.30	8.75	9.22
	Total Equity / Total Assets	14.30	11.45	11.53

Market Ratios
	Price / Earnings (x)	NA	14.67	20.58
	Price / Book (%)	NA	113.80	121.63
	Dividend Yield (%)	0.00	2.73	2.57

CITIZENS REPUBLIC BANCORP's peer group consists of the following: Associated Banc-Corp (ASBC), BancorpSouth, Inc. (BXS), Chemical Financial Corporation (CHFC), Commerce Bancshares, Inc. (CBSH), Cullen/Frost Bankers, Inc. (CFR), F.N.B. Corporation (FNB), First Citizens BancShares, Inc. (FCNCA), First Midwest Bancorp, Inc. (FMBI), FirstMerit Corporation (FMER), Flagstar Bancorp, Inc. (FBC), Fulton Financial Corporation (FULT), MB Financial, Inc. (MBFI), National Penn Bancshares, Inc. (NPBC), Old National Bancorp (ONB), Park National Corporation (PRK), Sterling Financial Corporation (STSA), Susquehanna Bancshares, Inc. (SUSQ), TFS Financial Corporation (MHC) (TFSL), Trustmark Corporation (TRMK), UMB Financial Corporation (UMBF), Valley National Bancorp (VLY), Wintrust Financial Corporation (WTFC)

CITIZENS REPUBLIC BANCORP's financial data is as of 12/31/2012.

Peer financial data is as of 3/31/2013


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