2013 Q4 Form 10-K Financial Statement

#000119312514100081 Filed on March 14, 2014

View on sec.gov

Income Statement

Concept 2013 Q4 2013 2012 Q4
Revenue $11.44M $44.88M $11.36M
YoY Change 0.76% -4.02% -6.41%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.334M
YoY Change -10.65%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $4.907M
YoY Change -20.65%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.140M $7.552M $2.660M
YoY Change -57.14% 3.4% 36.41%
Income Tax $100.0K $1.373M $700.0K
% Of Pretax Income 8.77% 18.18% 26.32%
Net Earnings $1.043M $6.179M $1.966M
YoY Change -46.95% 10.75% 32.03%
Net Earnings / Revenue 9.11% 13.77% 17.31%
Basic Earnings Per Share $0.09 $0.65 $0.22
Diluted Earnings Per Share $0.08 $0.64 $0.22
COMMON SHARES
Basic Shares Outstanding 7.708M shares 7.708M shares
Diluted Shares Outstanding 7.822M shares

Balance Sheet

Concept 2013 Q4 2013 2012 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $16.31M $16.30M $17.17M
YoY Change -4.97% -5.23% -3.42%
Goodwill $21.72M $21.72M
YoY Change 0.0% 0.0%
Intangibles $2.763M $3.139M
YoY Change -11.98% -23.68%
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.168B $1.168B $1.137B
YoY Change 2.69% 2.68% 2.16%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $9.500M $9.500M $13.70M
YoY Change -30.66% -30.66% 30.48%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $30.10M $23.20M
YoY Change -100.0% 29.74% 22.11%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $9.500M $9.500M $13.70M
YoY Change -30.66% -30.66% 30.48%
LONG-TERM LIABILITIES
Long-Term Debt $29.40M $29.40M $29.40M
YoY Change 0.0% 0.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $29.40M $29.40M $29.40M
YoY Change 0.0% 0.0% 0.0%
TOTAL LIABILITIES
Total Short-Term Liabilities $9.500M $9.500M $13.70M
Total Long-Term Liabilities $29.40M $29.40M $29.40M
Total Liabilities $1.039B $1.039B $1.033B
YoY Change 0.6% 0.6% 2.23%
SHAREHOLDERS EQUITY
Retained Earnings -$10.82M -$14.69M
YoY Change -26.31% -16.87%
Common Stock $114.4M $114.4M
YoY Change 0.0% -0.07%
Preferred Stock
YoY Change
Treasury Stock (at cost) $17.24M $17.24M
YoY Change 0.0% 0.0%
Treasury Stock Shares 748.0K shares 748.0K shares
Shareholders Equity $128.4M $128.4M $104.0M
YoY Change
Total Liabilities & Shareholders Equity $1.168B $1.168B $1.137B
YoY Change 2.69% 2.68% 2.16%

Cashflow Statement

Concept 2013 Q4 2013 2012 Q4
OPERATING ACTIVITIES
Net Income $1.043M $6.179M $1.966M
YoY Change -46.95% 10.75% 32.03%
Depreciation, Depletion And Amortization $1.334M
YoY Change -10.65%
Cash From Operating Activities $6.030M $12.81M $4.420M
YoY Change 36.43% -24.16% -43.84%
INVESTING ACTIVITIES
Capital Expenditures -$700.0K $1.155M -$210.0K
YoY Change 233.33% 27.62% 50.0%
Acquisitions
YoY Change
Other Investing Activities -$42.86M -$54.64M -$10.27M
YoY Change 317.33% 41.41% 33.2%
Cash From Investing Activities -$43.55M -$55.92M -$10.47M
YoY Change 315.95% 41.42% 33.38%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 21.78M 31.20M 13.31M
YoY Change 63.64% 87.39% -139.57%
NET CHANGE
Cash From Operating Activities 6.030M 12.81M 4.420M
Cash From Investing Activities -43.55M -55.92M -10.47M
Cash From Financing Activities 21.78M 31.20M 13.31M
Net Change In Cash -15.74M -11.90M 7.260M
YoY Change -316.8% 98.52% -121.59%
FREE CASH FLOW
Cash From Operating Activities $6.030M $12.81M $4.420M
Capital Expenditures -$700.0K $1.155M -$210.0K
Free Cash Flow $6.730M $11.66M $4.630M
YoY Change 45.36% -27.1% -42.2%

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43240000
CY2013Q4 us-gaap Subordinated Debt
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29427000
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9635000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Due In Four Years
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213000
CY2013Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds
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69423000
CY2013Q4 us-gaap Noninterest Bearing Deposit Liabilities
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234976000
CY2013Q4 us-gaap Letters Of Credit Outstanding Amount
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23300000
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CY2013Q4 us-gaap Advances From Federal Home Loan Banks
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37726000
CY2013Q4 us-gaap Carrying Value Of Securities Sold Under Repurchase Agreements And Deposits Received For Securities Loaned
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20749000
CY2013Q4 us-gaap Loans And Leases Receivable Allowance
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16528000
CY2013Q4 us-gaap Unrecognized Tax Benefits
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0
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2509000
CY2013Q4 us-gaap Stockholders Equity
StockholdersEquity
128376000
CY2013Q4 us-gaap Liability For Uncertain Tax Positions Current
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0
CY2013Q4 us-gaap Defined Benefit Plan Benefit Obligation
DefinedBenefitPlanBenefitObligation
18456000
CY2013Q4 us-gaap Line Of Credit Facility Maximum Borrowing Capacity
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40000000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Due In Five Years
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117000
CY2013Q4 us-gaap Federal Home Loan Bank Advances Short Term
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37726000
CY2013Q4 us-gaap Time Deposits100000 Or More
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66561000
CY2013Q4 us-gaap Impaired Financing Receivable Related Allowance
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2509000
CY2013Q4 us-gaap Cash And Due From Banks
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33883000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Impairment Losses
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146000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
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66979000
CY2013Q4 us-gaap Available For Sale Securities Pledged As Collateral
AvailableForSaleSecuritiesPledgedAsCollateral
147625000
CY2013Q4 us-gaap Goodwill
Goodwill
21720000
CY2013Q4 us-gaap Deposits
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942475000
CY2013Q4 us-gaap Retained Earnings Accumulated Deficit
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-10823000
CY2013Q4 us-gaap Deferred Tax Liabilities
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4607000
CY2013Q4 us-gaap Time Deposit Maturities Year Five
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3995000
CY2013Q4 us-gaap Interest Bearing Deposit Liabilities
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707499000
CY2013Q4 us-gaap Defined Benefit Plan Accumulated Benefit Obligation
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14537000
CY2013Q4 us-gaap Common Stock Value
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114365000
CY2013Q4 us-gaap Deposits Savings Deposits
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303037000
CY2013Q4 us-gaap Liabilities And Stockholders Equity
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1167546000
CY2013Q4 us-gaap Securities Sold Under Agreements To Repurchase
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20053000
CY2013Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
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14019000
CY2013Q4 us-gaap Liabilities
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1039170000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Due In Three Years
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231000
CY2013Q4 us-gaap Demand Deposit Accounts
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168113000
CY2013Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due From One To Two Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate
5000000
CY2013Q4 us-gaap Defined Benefit Plan Accumulated Other Comprehensive Income Net Gains Losses Before Tax
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4588000
CY2013Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due From Two To Three Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate
2500000
CY2013Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
30226000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
359000
CY2013Q4 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
9502000
CY2013Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
91540000
CY2013Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
DeferredTaxAssetsGoodwillAndIntangibleAssets
50000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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20459000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
3309000
CY2013Q4 us-gaap Available For Sale Securities Amortized Cost
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199094000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
3296000
CY2013Q4 us-gaap Intangible Assets Net Excluding Goodwill
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2293000
CY2013Q4 us-gaap Loans And Leases Receivable Net Reported Amount
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844713000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
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769000
CY2013Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
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9339000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
66409000
CY2013Q4 us-gaap Defined Benefit Plan Funded Status Of Plan
DefinedBenefitPlanFundedStatusOfPlan
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CY2013Q4 us-gaap Assets
Assets
1167546000
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
1247000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
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1223000
CY2013Q4 us-gaap Accrued Investment Income Receivable
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3881000
CY2013Q4 us-gaap Deferred Tax Assets Liabilities Net
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3561000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Past Due
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13447000
CY2013Q4 us-gaap Loans Receivable Held For Sale Net
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438000
CY2013Q4 us-gaap Financing Receivable Recorded Investment60 To89 Days Past Due
FinancingReceivableRecordedInvestment60To89DaysPastDue
1305000
CY2013Q4 us-gaap Financing Receivable Recorded Investment30 To59 Days Past Due
FinancingReceivableRecordedInvestment30To59DaysPastDue
4070000
CY2013Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
73139000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
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555000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
21334000
CY2013Q4 us-gaap Deferred Tax Assets Net
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8168000
CY2013Q4 us-gaap Property Plant And Equipment Gross
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43917000
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
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92234000
CY2013Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
2293000
CY2013Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
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8718000
CY2013Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
18057000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Current
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847794000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
21451000
CY2013Q4 us-gaap Available For Sale Securities
AvailableForSaleSecurities
199613000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
73169000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
34403000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits
996000
CY2013Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
18057000
CY2013Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
10954000
CY2013Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
10142000
CY2013Q4 us-gaap Other Assets
OtherAssets
9509000
CY2013Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
843184000
CY2013Q4 us-gaap Notes Receivable Net
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707769000
CY2013Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
861241000
CY2013Q4 us-gaap Defined Benefit Plan Fair Value Of Plan Assets
DefinedBenefitPlanFairValueOfPlanAssets
15466000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
522000
CY2013Q4 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
19145000
CY2013Q4 us-gaap Other Marketable Securities Current
OtherMarketableSecuritiesCurrent
15424000
CY2013Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
9294000
CY2013Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
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CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
447000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
5620000
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
93481000
CY2013Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
21096000
CY2013Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
133000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
8072000
CY2013Q4 us-gaap Treasury Stock Value
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17235000
CY2013Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
37726000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
34288000
CY2013Q4 us-gaap Property Plant And Equipment Net
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16927000
CY2013Q4 fcza Federal Home Loan Bank Capital Stock Par Value
FederalHomeLoanBankCapitalStockParValue
100
CY2013Q4 fcza Securities Sold Under Agreements To Repurchase Interest Rate
SecuritiesSoldUnderAgreementsToRepurchaseInterestRate
0.0010 pure
CY2013Q4 fcza Concentration Risk Credit Risk Financial Instruments Off Balance Sheet Risk Asset At Fixed Rate
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12084000
CY2013Q4 fcza Performing Loans
PerformingLoans
153472000
CY2013Q4 fcza Securities Sold Under Agreements To Repurchase Maximum Balance At Any Month End
SecuritiesSoldUnderAgreementsToRepurchaseMaximumBalanceAtAnyMonthEnd
24257000
CY2013Q4 fcza Minimum Amount Of Impaired Loans Tested For Impairment
MinimumAmountOfImpairedLoansTestedForImpairment
500000
CY2013Q4 fcza Finite Lived Intangible Assets Amortization Expense After Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour
CY2013Q4 fcza Available For Sale Securities Equity Maturities Fair Value
AvailableForSaleSecuritiesEquityMaturitiesFairValue
449000
CY2013Q4 fcza Impaired Financing Receivable With And No Related Allowance
ImpairedFinancingReceivableWithAndNoRelatedAllowance
2509000
CY2013Q4 fcza Securities Sold Under Agreements To Repurchase Weighted Average Interest Rate
SecuritiesSoldUnderAgreementsToRepurchaseWeightedAverageInterestRate
0.0010 pure
CY2013Q4 fcza Debt Instrument Discount Rate
DebtInstrumentDiscountRate
0.0200 pure
CY2013Q4 fcza Deferred Tax Liabilities Unrealized Gains On Available For Sale Securities
DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecurities
176000
CY2013Q4 fcza Concentration Risk Credit Risk Financial Instruments Off Balance Sheet Risk Asset At Variable Rate
ConcentrationRiskCreditRiskFinancialInstrumentsOffBalanceSheetRiskAssetAtVariableRate
174827000
CY2013Q4 fcza Accumulated Other Comprehensive Income Loss Unrecognized Net Actuarial Losses Tax
AccumulatedOtherComprehensiveIncomeLossUnrecognizedNetActuarialLossesTax
2364000
CY2013Q4 fcza Number Of Securities In Portfolio With Unrealized Losses
NumberOfSecuritiesInPortfolioWithUnrealizedLosses
91 Security
CY2013Q4 fcza Impaired Financing Receivable With No Related Allowance
ImpairedFinancingReceivableWithNoRelatedAllowance
CY2013Q4 fcza Deferred Tax Liabilities Tax Depreciation In Excess Of Book Depreciation
DeferredTaxLiabilitiesTaxDepreciationInExcessOfBookDepreciation
466000
CY2013Q4 fcza Time Deposit Individual Retirement Accounts
TimeDepositIndividualRetirementAccounts
30202000
CY2013Q4 fcza Repurchase Agreements And Advance Borrowing Limit
RepurchaseAgreementsAndAdvanceBorrowingLimit
80000000
CY2013Q4 fcza Deferred Tax Liabilities Investment Discount Accretion
DeferredTaxLiabilitiesInvestmentDiscountAccretion
77000
CY2013Q4 fcza Deferred Tax Liabilities Purchase Accounting
DeferredTaxLiabilitiesPurchaseAccounting
1465000
CY2013Q4 fcza Loan Balances Outstanding Evaluated For Impairment
LoanBalancesOutstandingEvaluatedForImpairment
861241000
CY2013Q4 fcza Available For Sale Securities Equity Maturities Amortized Cost
AvailableForSaleSecuritiesEquityMaturitiesAmortizedCost
481000
CY2013Q4 fcza Non Performing Loans
NonPerformingLoans
CY2013Q4 fcza Other Time Deposits
OtherTimeDeposits
139586000
CY2013Q4 fcza Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends
DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends
2249000
CY2013Q4 fcza Performing And Nonperforming Loans
PerformingAndNonperformingLoans
153472000
CY2013Q4 fcza Repurchase Agreements And Advance Borrowings Amount Outstanding
RepurchaseAgreementsAndAdvanceBorrowingsAmountOutstanding
0
CY2013Q4 fcza Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments
3030000
CY2013Q4 fcza Available For Sale Securities Gross Unrealized Gain Accumulated In Investments
AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInInvestments
3549000
CY2013Q4 fcza Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLossesAccumulatedInInvestments
2905000
CY2013Q4 fcza Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLossesAccumulatedInInvestments
125000
CY2013Q4 fcza Range Of Amount Of Impaired Loans Tested For Impairment
RangeOfAmountOfImpairedLoansTestedForImpairment
Greater than $500
CY2012Q3 fcza Sale Of Preferred Stock Shares
SaleOfPreferredStockShares
23184 shares
CY2009Q1 us-gaap Stock Issued During Period Shares New Issues
StockIssuedDuringPeriodSharesNewIssues
23184 shares
CY2007Q2 us-gaap Repayments Of Subordinated Debt
RepaymentsOfSubordinatedDebt
5000000
CY2013 dei Trading Symbol
TradingSymbol
FCZA
CY2013 dei Entity Registrant Name
EntityRegistrantName
FIRST CITIZENS BANC CORP /OH
CY2013 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2013 dei Amendment Flag
AmendmentFlag
false
CY2013 dei Entity Filer Category
EntityFilerCategory
Smaller Reporting Company
CY2013 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2013
CY2013 dei Document Type
DocumentType
10-K
CY2013 dei Document Period End Date
DocumentPeriodEndDate
2013-12-31
CY2013 dei Entity Central Index Key
EntityCentralIndexKey
0000944745
CY2013 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2013 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2013 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2013 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2013 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1 Segment
CY2013 us-gaap Loans And Leases Receivable Related Parties Period Increase Decrease
LoansAndLeasesReceivableRelatedPartiesPeriodIncreaseDecrease
-808000
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
35.00
CY2013 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.64
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
10000 shares
CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7707917000 shares
CY2013 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
113863000 shares
CY2013 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.34 pure
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
CY2013 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.65
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod
P10Y
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Vesting Period1
ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1
P3Y
CY2013 us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
WeightedAverageNumberOfShareOutstandingBasicAndDiluted
7821780000 shares
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
CY2013 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
12466000
CY2013 us-gaap Defined Benefit Plan Assumptions Used Calculating Net Periodic Benefit Cost Expected Long Term Return On Assets
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0.0700 pure
CY2013 us-gaap Defined Benefit Plan Target Plan Asset Allocations
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1.000 pure
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CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
shares
CY2013 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7707917000 shares
CY2013 us-gaap Stock Issued During Period Shares Stock Options Exercised
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shares
CY2013 us-gaap Financing Receivable Modifications Number Of Contracts2
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2 Contract
CY2013 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.15
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
shares
CY2013 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <u>Use of Estimates</u>: To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ. The allowance for loan losses, impairment of goodwill, fair values of financial instruments, valuation of deferred tax assets, pension obligations and other-than-temporary-impairment of securities are considered material estimates that are particularly susceptible to significant change in the near term.</p> </div>
CY2013 us-gaap Interest Income Expense Net
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39974000
CY2013 us-gaap Interest Income Expense After Provision For Loan Loss
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38874000
CY2013 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
3579000
CY2013 us-gaap Gain Loss On Investments
GainLossOnInvestments
0
CY2013 us-gaap Available For Sale Securities Gross Realized Gains
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144000
CY2013 us-gaap Payments For Repurchase Of Warrants
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CY2013 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
64295000
CY2013 us-gaap Net Income Loss Available To Common Stockholders Basic
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5020000
CY2013 us-gaap Repayments Of Federal Home Loan Bank Borrowings
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2535000
CY2013 us-gaap Interest Income Securities Taxable
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3763000
CY2013 us-gaap Income Taxes Paid
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1010000
CY2013 us-gaap Interest Income Other
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131000
CY2013 us-gaap Net Income Loss Available To Common Stockholders Diluted
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5020000
CY2013 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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1236000
CY2013 us-gaap Available For Sale Securities Gross Realized Gains Losses Sale Proceeds
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8686000
CY2013 us-gaap Payments To Acquire Federal Reserve Stock
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CY2013 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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CY2013 us-gaap Fees And Commissions Fiduciary And Trust Activities
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2627000
CY2013 us-gaap Interest Paid
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4936000
CY2013 us-gaap Defined Benefit Plan Actuarial Gain Loss
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1272000
CY2013 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
172000
CY2013 us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
112000
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
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7552000
CY2013 us-gaap Interest And Dividend Income Operating
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44881000
CY2013 us-gaap Impaired Financing Receivable Interest Income Accrual Method
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989000
CY2013 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
38776000
CY2013 us-gaap Net Income Loss
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6179000
CY2013 us-gaap Payments For Proceeds From Loans And Leases
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50170000
CY2013 us-gaap Gains Losses On Sales Of Other Real Estate
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120000
CY2013 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
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2315000
CY2013 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
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-1498000
CY2013 us-gaap Transfer Of Portfolio Loans And Leases To Held For Sale1
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4756000
CY2013 us-gaap Noninterest Income Other Operating Income
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1650000
CY2013 us-gaap Deferred Income Tax Expense Benefit
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1362000
CY2013 us-gaap Defined Benefit Plan Amount To Be Amortized From Accumulated Other Comprehensive Income Loss Next Fiscal Year
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352000
CY2013 us-gaap Provision For Loan And Lease Losses
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1100000
CY2013 us-gaap Other Noninterest Expense
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7161000
CY2013 us-gaap Interest Expense Securities Sold Under Agreements To Repurchase
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21000
CY2013 us-gaap Equipment Expense
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1273000
CY2013 us-gaap Interest Income Securities Tax Exempt
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2211000
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-2600000
CY2013 us-gaap Line Of Credit Facility Maximum Amount Outstanding During Period
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0
CY2013 us-gaap Bank Owned Life Insurance Income
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555000
CY2013 us-gaap Servicing Fees Net
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4201000
CY2013 us-gaap Gain Loss On Sales Of Loans Net
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461000
CY2013 us-gaap Gain Loss On Sale Of Securities Net
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204000
CY2013 us-gaap Increase Decrease In Prepaid Insurance
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-1775000
CY2013 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
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-5373000
CY2013 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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69000
CY2013 us-gaap Noninterest Income
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12062000
CY2013 us-gaap Gain Loss On Sale Of Properties
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107000
CY2013 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
965000
CY2013 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
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468000
CY2013 us-gaap Loans And Leases Receivable Related Parties Collections
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3157000
CY2013 us-gaap Stock Issued During Period Value New Issues
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23132000
CY2013 us-gaap Payments To Acquire Property Plant And Equipment
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1281000
CY2013 us-gaap Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net
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-3166000
CY2013 us-gaap Increase Decrease In Deposits
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16086000
CY2013 us-gaap Noninterest Expense
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43384000
CY2013 us-gaap Proceeds From Issuance Or Sale Of Equity
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7500000
CY2013 us-gaap Information Technology And Data Processing
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1074000
CY2013 us-gaap Taxes Other
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1130000
CY2013 us-gaap Transfer To Other Real Estate
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281000
CY2013 us-gaap Net Cash Provided By Used In Financing Activities
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31202000
CY2013 us-gaap Proceeds From Sale Of Loans Held For Sale
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51874000
CY2013 us-gaap Proceeds From Issuance Of Trust Preferred Securities
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5000000
CY2013 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
547000
CY2013 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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5550000
CY2013 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
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-2773000
CY2013 us-gaap Defined Benefit Plan Amounts Recognized In Other Comprehensive Income Net Prior Service Cost Credit Before Tax
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-2585000
CY2013 us-gaap Dividends Common Stock Cash
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1156000
CY2013 us-gaap Defined Benefit Plan Actual Return On Plan Assets
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1943000
CY2013 us-gaap Defined Benefit Plan Net Periodic Benefit Cost
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1821000
CY2013 us-gaap Defined Benefit Plan Settlements Benefit Obligation
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821000
CY2013 us-gaap Defined Benefit Plan Administration Expenses
DefinedBenefitPlanAdministrationExpenses
-33000
CY2013 us-gaap Cash And Cash Equivalents Period Increase Decrease
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-12248000
CY2013 us-gaap Marketing Expense
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634000
CY2013 us-gaap Defined Benefit Plan Benefits Paid
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4785000
CY2013 us-gaap Defined Benefit Plans Estimated Future Employer Contributions In Next Fiscal Year
DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear
1275000
CY2013 us-gaap Interest Expense Subordinated Notes And Debentures
InterestExpenseSubordinatedNotesAndDebentures
740000
CY2013 us-gaap Proceeds From Sale Of Available For Sale Securities
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8686000
CY2013 us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Short Term
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1358000
CY2013 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
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204000
CY2013 us-gaap Interest Expense
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4907000
CY2013 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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-2767000
CY2013 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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2568000
CY2013 us-gaap Proceeds From Sale Of Property Plant And Equipment
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118000
CY2013 us-gaap Defined Benefit Plan Interest Cost
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884000
CY2013 us-gaap Impaired Financing Receivable Average Recorded Investment
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22051000
CY2013 us-gaap Net Cash Provided By Used In Investing Activities
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-55916000
CY2013 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
547000
CY2013 us-gaap Increase Decrease In Other Operating Liabilities
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-2074000
CY2013 us-gaap Available For Sale Securities Gross Realized Losses
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89000
CY2013 us-gaap Preferred Stock Dividends And Other Adjustments
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1159000
CY2013 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
1008000
CY2013 us-gaap Interest Expense Deposits
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2788000
CY2013 us-gaap Amortization Of Intangible Assets
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846000
CY2013 us-gaap Current Income Tax Expense Benefit
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11000
CY2013 us-gaap Dividends Preferred Stock Cash
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1159000
CY2013 us-gaap Occupancy Net
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2209000
CY2013 us-gaap Professional Fees
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1677000
CY2013 us-gaap Depreciation
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1509000
CY2013 us-gaap Proceeds From Sale Of Federal Reserve Stock
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143000
CY2013 us-gaap Proceeds From Sale Of Other Real Estate
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699000
CY2013 us-gaap Lease And Rental Expense
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367000
CY2013 us-gaap Labor And Related Expense
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24758000
CY2013 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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204000
CY2013 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
1204000
CY2013 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
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50184000
CY2013 us-gaap Loans And Leases Receivable Related Parties Additions
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3262000
CY2013 us-gaap Defined Benefit Plan Contributions By Employer
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4900000
CY2013 us-gaap Increase Decrease In Interest Payable Net
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-29000
CY2013 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
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0
CY2013 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
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-4406000
CY2013 us-gaap Income Tax Reconciliation Other Adjustments
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55000
CY2013 us-gaap Income Tax Expense Benefit
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1373000
CY2013 fcza Liquidation Preference Rate After Five Years
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0.09 pure
CY2013 fcza Loans Classified As Non Accrual Description
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A loan may be returned to accruing status only if one of three conditions are met the loan is well-secured and none of the principal and interest has been past due for a minimum of 90 days; the loan is a TDR and has made a minimum of six months payments; or the principal and interest payments are reasonably assured and a sustained period of performance has occurred, generally six months.
CY2013 fcza Percentage Of Insurance Commission Revenue Of Revenue
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Less than 1.0%
CY2013 fcza Automated Teller Machine Expense
AutomatedTellerMachineExpense
650000
CY2013 fcza Number Of Defaults On Loans
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0
CY2013 fcza Defined Benefit Plan Amortization And Deferrals Net
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698000
CY2013 fcza Income Tax Reconciliation Bank Owned Life Insurance Income
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189000
CY2013 fcza Number Of Service Period
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P6M
CY2013 fcza Repossession Expense
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964000
CY2013 fcza Borrowers Sustained Repayment Performance Period
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P6M
CY2013 fcza Term Of Warrants
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P10Y
CY2013 fcza Period Of Delinquency After Which Loans Are Considered Nonaccrual
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P90D
CY2013 fcza Percentage Of Tax Benefit Likely Of Being Realized Upon Settlement
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0.50 pure
CY2013 fcza Computer Center Data Processing Fees
ComputerCenterDataProcessingFees
248000
CY2013 fcza Automated Teller Machine Fees
AutomatedTellerMachineFees
1996000
CY2013 fcza Liquidation Preference Rate For First Five Years
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0.05 pure
CY2013 fcza Proceeds From Issuance Of Preferred Stock
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23132000
CY2013 fcza Security Amortization Accretion Net
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1633000
CY2013 fcza Average Reserve Balance Under Federal Reserve Board Requirements
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2959000
CY2013 fcza Credit Commitments Maturities Period
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P30Y
CY2013 fcza Originations Of Loans Held For Sale
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49978000
CY2013 fcza Maximum Period To Commit Loan
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P1Y
CY2013 fcza Period For Calculating Loss Percentages For All Portfolio Segments
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P3Y
CY2013 fcza Debt Instrument Maturity Term
DebtInstrumentMaturityTerm
P30Y
CY2013 fcza Debt Instrument Principal Amount Redemption Percentage
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1.00 pure
CY2013 fcza Income Tax Reconciliation Low Income Housing Tax Credit
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280000
CY2013 fcza Gain From Securities Called Or Settled By Issuer
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149000
CY2013 fcza Minimum Eligible Age To Participate In Plans
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P20Y6M
CY2013 fcza Minimum Number Of Working Hour Required Within One Year Of Service
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PT1000H
CY2013 fcza Period Past Due For Loans To Be Considered As Nonperforming
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P90D
CY2013 fcza Income Tax Reconciliation Nontaxable Interest Income Net Of Nondeductible Interest Expense
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781000
CY2012 us-gaap Loans And Leases Receivable Related Parties Period Increase Decrease
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150000
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
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20.50
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0.57
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
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19500 shares
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7707917000 shares
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
CY2012 us-gaap Earnings Per Share Basic
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0.57
CY2012 us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
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7707917000 shares
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
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16893000
CY2012 us-gaap Defined Benefit Plan Assumptions Used Calculating Net Periodic Benefit Cost Expected Long Term Return On Assets
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0.0700 pure
CY2012 us-gaap Defined Benefit Plan Target Plan Asset Allocations
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1.000 pure
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
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shares
CY2012 us-gaap Weighted Average Number Of Shares Outstanding Basic
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7707917000 shares
CY2012 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
shares
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
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shares
CY2012 us-gaap Financing Receivable Modifications Number Of Contracts2
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39 Contract
CY2012 us-gaap Common Stock Dividends Per Share Cash Paid
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0.12
CY2012 us-gaap Interest Income Expense Net
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40578000
CY2012 us-gaap Interest Income Expense After Provision For Loan Loss
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34178000
CY2012 us-gaap Comprehensive Income Net Of Tax
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4100000
CY2012 us-gaap Gain Loss On Investments
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0
CY2012 us-gaap Available For Sale Securities Gross Realized Gains
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99000
CY2012 us-gaap Payments For Repurchase Of Warrants
PaymentsForRepurchaseOfWarrants
564000
CY2012 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
77090000
CY2012 us-gaap Net Income Loss Available To Common Stockholders Basic
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4386000
CY2012 us-gaap Repayments Of Federal Home Loan Bank Borrowings
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10034000
CY2012 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
4710000
CY2012 us-gaap Income Taxes Paid
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400000
CY2012 us-gaap Interest Income Other
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109000
CY2012 us-gaap Net Income Loss Available To Common Stockholders Diluted
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4386000
CY2012 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1564000
CY2012 us-gaap Available For Sale Securities Gross Realized Gains Losses Sale Proceeds
AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds
12982000
CY2012 us-gaap Payments To Acquire Federal Reserve Stock
PaymentsToAcquireFederalReserveStock
185000
CY2012 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
628000
CY2012 us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
2163000
CY2012 us-gaap Interest Paid
InterestPaid
6257000
CY2012 us-gaap Defined Benefit Plan Actuarial Gain Loss
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-3474000
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-78000
CY2012 us-gaap Amortization Of Deferred Loan Origination Fees Net
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-332000
CY2012 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7304000
CY2012 us-gaap Interest And Dividend Income Operating
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46762000
CY2012 us-gaap Impaired Financing Receivable Interest Income Accrual Method
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1818000
CY2012 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
40048000
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5579000
CY2012 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
39138000
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118000
CY2012 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
2084000
CY2012 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
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962000
CY2012 us-gaap Transfer Of Portfolio Loans And Leases To Held For Sale1
TransferOfPortfolioLoansAndLeasesToHeldForSale1
CY2012 us-gaap Noninterest Income Other Operating Income
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1172000
CY2012 us-gaap Interest Income Securities Tax Exempt
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1895000
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-1479000
CY2012 us-gaap Line Of Credit Facility Maximum Amount Outstanding During Period
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0
CY2012 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
627000
CY2012 us-gaap Servicing Fees Net
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4329000
CY2012 us-gaap Gain Loss On Sales Of Loans Net
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624000
CY2012 us-gaap Gain Loss On Sale Of Securities Net
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40000
CY2012 us-gaap Increase Decrease In Prepaid Insurance
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-780000
CY2012 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
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414000
CY2012 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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14000
CY2012 us-gaap Noninterest Income
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11200000
CY2012 us-gaap Defined Benefit Plan Benefits Paid
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658000
CY2012 us-gaap Interest Expense Subordinated Notes And Debentures
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833000
CY2012 us-gaap Gain Loss On Sale Of Properties
GainLossOnSaleOfProperties
CY2012 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
858000
CY2012 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements
49000
CY2012 us-gaap Loans And Leases Receivable Related Parties Collections
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6788000
CY2012 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
905000
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4190000
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25143000
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NoninterestExpense
38074000
CY2012 us-gaap Information Technology And Data Processing
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962000
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1059000
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606000
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16651000
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46243000
CY2012 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
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3995000
CY2012 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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9479000
CY2012 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
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1893000
CY2012 us-gaap Defined Benefit Plan Amounts Recognized In Other Comprehensive Income Net Prior Service Cost Credit Before Tax
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4184000
CY2012 us-gaap Deferred Income Tax Expense Benefit
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330000
CY2012 us-gaap Provision For Loan And Lease Losses
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6400000
CY2012 us-gaap Other Noninterest Expense
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6417000
CY2012 us-gaap Interest Expense Securities Sold Under Agreements To Repurchase
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21000
CY2012 us-gaap Equipment Expense
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1223000
CY2012 us-gaap Dividends Common Stock Cash
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925000
CY2012 us-gaap Defined Benefit Plan Actual Return On Plan Assets
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1181000
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1355000
CY2012 us-gaap Defined Benefit Plan Settlements Benefit Obligation
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564000
CY2012 us-gaap Defined Benefit Plan Administration Expenses
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-37000
CY2012 us-gaap Cash And Cash Equivalents Period Increase Decrease
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-5996000
CY2012 us-gaap Marketing Expense
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625000
CY2012 us-gaap Proceeds From Sale Of Available For Sale Securities
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12982000
CY2012 us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Short Term
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1530000
CY2012 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
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190000
CY2012 us-gaap Interest Expense
InterestExpense
6184000
CY2012 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
214000
CY2012 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2483000
CY2012 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
20000
CY2012 us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
915000
CY2012 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
26720000
CY2012 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-39540000
CY2012 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
3909000
CY2012 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
1073000
CY2012 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
59000
CY2012 us-gaap Preferred Stock Dividends And Other Adjustments
PreferredStockDividendsAndOtherAdjustments
1193000
CY2012 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
847000
CY2012 us-gaap Interest Expense Deposits
InterestExpenseDeposits
3800000
CY2012 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
974000
CY2012 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
1395000
CY2012 us-gaap Dividends Preferred Stock Cash
DividendsPreferredStockCash
1159000
CY2012 us-gaap Occupancy Net
OccupancyNet
2159000
CY2012 us-gaap Professional Fees
ProfessionalFees
1505000
CY2012 us-gaap Depreciation
Depreciation
1493000
CY2012 us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
6000
CY2012 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1349000
CY2012 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
344000
CY2012 us-gaap Labor And Related Expense
LaborAndRelatedExpense
20487000
CY2012 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
40000
CY2012 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
939000
CY2012 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
63421000
CY2012 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
5713000
CY2012 us-gaap Defined Benefit Plan Contributions By Employer
DefinedBenefitPlanContributionsByEmployer
1510000
CY2012 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-73000
CY2012 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2012 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
2829000
CY2012 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
85000
CY2012 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1725000
CY2012 fcza Automated Teller Machine Expense
AutomatedTellerMachineExpense
630000
CY2012 fcza Number Of Defaults On Loans
NumberOfDefaultsOnLoans
0
CY2012 fcza Defined Benefit Plan Amortization And Deferrals Net
DefinedBenefitPlanAmortizationAndDeferralsNet
359000
CY2012 fcza Income Tax Reconciliation Bank Owned Life Insurance Income
IncomeTaxReconciliationBankOwnedLifeInsuranceIncome
213000
CY2012 fcza Repossession Expense
RepossessionExpense
1186000
CY2012 fcza Computer Center Data Processing Fees
ComputerCenterDataProcessingFees
259000
CY2012 fcza Automated Teller Machine Fees
AutomatedTellerMachineFees
1868000
CY2012 fcza Proceeds From Issuance Of Preferred Stock
ProceedsFromIssuanceOfPreferredStock
CY2012 fcza Security Amortization Accretion Net
SecurityAmortizationAccretionNet
1987000
CY2012 fcza Average Reserve Balance Under Federal Reserve Board Requirements
AverageReserveBalanceUnderFederalReserveBoardRequirements
1217000
CY2012 fcza Originations Of Loans Held For Sale
OriginationsOfLoansHeldForSale
46894000
CY2012 fcza Income Tax Reconciliation Nontaxable Interest Income Net Of Nondeductible Interest Expense
IncomeTaxReconciliationNontaxableInterestIncomeNetOfNondeductibleInterestExpense
630000
CY2013Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.21
CY2013Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.21
CY2013Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
9988000
CY2013Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11287000
CY2013Q1 us-gaap Net Income Loss
NetIncomeLoss
1913000
CY2012Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.13
CY2012Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.13
CY2012Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10445000
CY2012Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12118000
CY2012Q1 us-gaap Net Income Loss
NetIncomeLoss
1293000
CY2012Q4 us-gaap Net Income Loss
NetIncomeLoss
1966000
CY2013Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.08
CY2013Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.09
CY2013Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10290000
CY2013Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11443000
CY2013Q4 us-gaap Net Income Loss
NetIncomeLoss
1043000
CY2012Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.08
CY2012Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.08
CY2012Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10146000
CY2012Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11757000
CY2012Q2 us-gaap Net Income Loss
NetIncomeLoss
936000
CY2013Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.18
CY2013Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.18
CY2013Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
9781000
CY2013Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11025000
CY2013Q2 us-gaap Net Income Loss
NetIncomeLoss
1657000
CY2012Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.14
CY2012Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.14
CY2012Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10028000
CY2012Q3 us-gaap Interest And Dividend Income Operating
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11529000
CY2012Q3 us-gaap Net Income Loss
NetIncomeLoss
1384000
CY2013Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.17
CY2013Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.17
CY2013Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
9917000
CY2013Q3 us-gaap Interest And Dividend Income Operating
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11127000
CY2013Q3 us-gaap Net Income Loss
NetIncomeLoss
1566000
CY2012Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2012Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2012Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
9959000
CY2012Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11357000

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