Annual Reports & Press Releases

FC Banc Corp Announces 4th Quarter Ended and Year Ended December 31, 2011 Increase in Earnings and Dividends

BUCYRUS, Ohio, January 17, 2012: The Board of Directors of Farmers Citizens Bank and FC Banc Corp. announced their fourth quarter and year ended December 31, 2011 earnings highlighted by an increase in net income of 0.7% over the 4th quarter of 2010 and an increase of 28.06% for the year ended December 31, 2011 when compared to the same period of 2010. The Board also announced an increase in their quarterly dividend by 13.6%. Other financial highlights include the following:

• Total assets increased slightly to $356.3 million as of December 31, 2011. This represents an increase of approximately $463 thousand, or 0.13% over December 31, 2010.

• Total loans increased almost $17.5 million, or 9.3% over the same date in 2010 to $206.5 million as of December 31, 2011.

• Total deposits increased $2.9 million dollars over the same date in 2010 to $312.8 million, an increase of 0.9% over December 31, 2010.

• Net Income for the fourth quarter of 2011 was $585,000, a slight increase of 0.7% over the same period of 2010. Net Income for the year ended December 31, 2011 was $2,371,000, an increase of 28.06% over the same period of 2010. Net interest income increased $2,156,000, and non-interest income also increased by $241,000, for the year ended December 31, 2011 when compared to the same period in 2010. Non-interest expenses increased $1,437,000 over the same period in 2010.

• Provision for Loan Losses was $960,000 for the year ended December 31, 2011, an increase of $280,000 when compared to the same period in 2010. Key asset quality ratios remained strong in the fourth quarter of 2011 and as of December 31, 2011, our Allowance for Loan Loss Reserve as a percentage of total loans has increased to 1.27%, an increase of 2 basis points over the same period in 2010.

The Board also announced its Quarterly Common Stock Cash Dividend of $.25 cents per share, an increase of 13.6% over the previous quarter and is payable on February 15, 2012 to shareholders of record as of February 1, 2012. The Board further announced its Preferred Stock Dividend of $5.25 per share payable on January 31, 2012 to shareholders of record on December 31, 2011.

"We are very pleased with the direction of the company and our results for both the quarter and year ended December 31, 2011," stated R. Duane Hord, Board Chairman. "Although the economy shows some signs of recovery, we remain cautiously optimistic, but focused on our continued progress, credit quality, shareholder value and the communities we serve."

Coleman J. Clougherty, President and CEO of Farmers Citizens Bank and President of FC Banc Corp commented: "The fourth quarter and year ended December 31, 2011 continued to present both FC Bank and the entire financial services industry with significant challenges. Our dedicated team of Directors, Officers and Employees continue to remain focused on our goals and objectives while maintaining the highest quality of both customer service and prudent banking practices. As we enter 2012 we see some signs of easing of the economic pressures of the past two years. By no means do we think the economy is going to come roaring back to its pre-recession levels, and coupling that with many of the challenges of a changing regulatory environment will require an even stronger dedication by our team to meet these challenges, while remaining focused on our mission, goals and objectives. We continue to believe that these times can present opportunities for a well-run organization focused on a strategic objective and plan. We are very proud to report these positive results and continue to have a positive outlook on the future for FC Bank."

Since 1907, Farmers Citizens Bank has had a tradition of being a locally owned bank and a tradition of proudly serving its customers. With offices in Bucyrus, Cardington, Fredericktown, Upper Arlington, Shiloh and Worthington, Farmers Citizens Bank is a wholly owned subsidiary of FC Banc Corp. and is member FDIC and an Equal Housing Lender.

FC Banc Corp Announces 3rd Quarter Ended September 30, 2011 Increase in Earnings

BUCYRUS, Ohio, October 26, 2011: The Board of Directors of Farmers Citizens Bank and FC Banc Corp. announced their third quarter ended September 30, 2011 earnings highlighted by an increase in net income of 37.4% over the 3rd quarter of 2010 and an increase of 40.6% for the nine months ended September 30, 2011 over that same period in 2010. The Board also declared their quarterly dividend. Other financial highlights include the following:

• Total assets decreased slightly to $356.0 million as of September 30, 2011. This represents a modest decrease of approximately $1.9 million, or 0.5% over September 30, 2010.

• Total loans increased to $199.0 million as of September 30, 2011 and credit quality remained one of the bank's strongest traits leading the industry in its peer group.

• As of September 30, 2011, total deposits decreased slightly to $310.6 million dollars, a decrease of 0.9% over September 30, 2010.

• Net Income for the third quarter of 2011 was $654,000, an increase of 37.4% over the same period of 2010. Net Income for the Nine (9) Months ended September 30, 2011 was $1,787,000, an increase of 40.6% over the same period in 2010. Net interest income increased $1,576,000, and non-interest income increased by $192,000, for the Nine (9) Months ended September 30, 2011 when compared to the same period in 2010. Non-interest expenses increased by $807,000 over the same period in 2010.

• Provision for Loan Losses was $835,000 for the Nine (9) Months ended September 30, 2011, an increase of $210,000 when compared to the provision for the same period in 2010. Key asset quality ratios remained strong in the third quarter of 2011 and as of September 30, 2011, our Allowance for Loan Loss Reserve as a percentage of total loans has increased to 1.41%, an increase of 16 basis points over the same date in 2010.

The Board also announced its Quarterly Common Stock Cash Dividend of $.22 cents per share payable on November 16, 2011 to shareholders of record as of November 2, 2011. This represents an increase of 22.2% over the previous quarter. The Board further announced its Preferred Stock Dividend of $5.25 per share payable on October 31, 2011 to shareholders of record on September 30, 2011.

"We are very pleased with the performance of the company and our results for the 3rd quarter ended September 30, 2011," stated R. Duane Hord, Board Chairman. "FC Bank continues to be focused on our progress, credit quality, shareholder value and the communities we serve."

Coleman J. Clougherty, President and CEO of Farmers Citizens Bank and President of FC Banc Corp commented: "The third quarter ended September 30, 2011 continued to be very positive for FC Bank as the increases in profitability are the direct result of a focus by the bank in building on its very solid foundation. Our dedicated team of Directors, Officers and Employees continue to remain focused on our goals and objectives while maintaining the highest quality of both customer service and prudent banking practices. 2011 continues to present us with many challenges including continued changes to the regulatory environment and an economy that is still lackluster in its recovery. This will require an even stronger dedication by our team to meet these challenges, while remaining focused on our mission, goals and objectives. We continue to believe that these times can present opportunities for a well-run organization focused on a strategic objective and plan. We are very proud to report these positive results and continue to have a positive outlook on the future for FC Bank."

Since 1907, Farmers Citizens Bank has had a tradition of being a locally owned bank and a tradition of proudly serving its customers. With offices in Bucyrus, Cardington, Fredericktown, Upper Arlington, Shiloh and Worthington, Farmers Citizens Bank is a wholly owned subsidiary of FC Banc Corp. and is member FDIC and an Equal Housing Lender.

Farmers Citizens Bank Announces 2011 Scholarship Winners

BUCYRUS, Ohio, May 17, 2011: On behalf of the Directors, Officers, and Employees of Farmers Citizens Bank, Coleman J. Clougherty, President & CEO would like to congratulate the recipients of the FC Bank 2011 Scholarship Award. FC Bank has consistently sponsored College Scholarships for high school students in all of the markets it serves for over 10 years. Considerations for the scholarship include grade point average, school activities, community activities, essay completion, and recommendations.

The essay questions for this year were:

1. Explain how specific community service activities you have been involved in have impacted your life.

2. Why is community service important? What role do volunteers play in the community? Specifically, explain what you will do upon completion of your education, to give back to the community.

3. If you could have dinner with one figure from American History, who would you choose and why? What issues would you discuss?

Our Best Wishes for Continued Success Go To:

Kaylee Danielle Baker - Gilead Christian High School

Nathan "Nate" Glowaski - Wynford High School

Jacob Haip - Fredericktown High School

Amanda Massinople - Bishop Watterson High School

Cameron McLain - Grandview Heights High School

Darby McMullen - Worthington Kilbourne High School

Natalie Niese - Buckeye Central High School

David John Roseberry - Colonel Crawford High School

Theodore "Parker" Schwartz II - Upper Arlington High School

Kristina "Kristie" Snouffer - Bucyrus High School

Matthew A. Sova - St. Charles Preparatory High School

Bridget Sutter - Plymouth High School

Anna van der Zwaag - Thomas Worthington High School

Hannah Zierden - Cardington-Lincoln High School