Civista Bancshares (CIVB) 10-Q2005 Q1 Quarterly report

Filed: 10 May 05, 12:00am

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	8th grade Bad

New words: accumulated, adapt, affiliate, alternatively, APB, assessing, assigned, assume, assumed, automobile, award, bad, beginning, boat, book, broad, build, building, cleared, client, communicated, Community, complex, compliance, comprehensive, Comptroller, concentrate, conducting, consideration, context, created, curve, customer, deal, debt, debtor, decision, DEF, deficiency, delay, denominated, designed, detected, deteriorated, director, essential, exceeded, excessive, excluded, expand, expertise, exposed, fell, felt, fiscal, flattened, fraudulent, fundamental, half, health, hedge, hedging, II, inability, incomplete, Independent, interim, intermediate, introduced, Joint, large, Leroy, letterhead, likelihood, Link, located, lower, magnitude, matching, McGookey, methodology, Michel, mid, misstatement, nonaccrual, Option, organization, oriented, outlay, oversight, pay, paying, payment, philosophy, plan, pose, prepaid, prevented, prudent, reached, reclassified, recovery, reduction, reinvesting, remaining, remodeling, remote, repaying, restocked, restructuring, retain, rewritten, Riesterer, roll, rolling, safety, sell, selling, shortening, shortfall, showed, situation, size, sound, Standard, Steinemann, stressed, sufficient, sufficiently, technique, teller, thereof, threat, Todd, trend, troubled, uncollectible, volume, withdrawn, work

Removed: achieve, application, center, commodity, consistent, constructed, continued, daily, diminished, earned, enable, faster, fourth, greatest, headquartered, high, hired, index, Interpretation, knowledge, laddered, limitation, low, maintenance, mature, merged, moving, negative, note, number, opposite, order, originate, origination, practice, presented, principal, recaptioned, receive, reducing, refinance, return, sheet, significantly, Subsequent, tied, traditional, true, variable, variance, Washington

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Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of First Citizens Banc Corp (the “Corporation”) on Form 10-Q for the period ending March 31, 2005, as filed with the Securities and Exchange Commission on the date of this certification (the Report”), I, Todd A. Michel, Chief Financial Officer of the Corporation, certify, pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

	(1)	The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

	(2)	The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Corporation.

/s/ Todd A. Michel

Todd A. Michel
Senior Vice President and Controller
May 10, 2005