401k Plan data: CITIZENS BANK 401K RETIREMENT PLAN plan

CITIZENS BANK 401K RETIREMENT PLAN 401k Plan overview

Plan Name	CITIZENS BANK 401K RETIREMENT PLAN
Plan identification number	003

CITIZENS BANK 401K RETIREMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

THE CITIZENS BANK has sponsored the creation of one or more 401k plans.

Company Name: THE CITIZENS BANK

Employer identification number (EIN): 850021005

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CITIZENS BANK 401K RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2022-01-01
003 2021-01-01
003 2020-01-01
003 2019-01-01
003 2018-01-01
003 2017-01-01 DARRIN CHURCH
003 2016-01-01 DARRIN CHURCH
003 2015-01-01 DARRIN CHURCH
003 2014-01-01 DARRIN CHURCH
003 2013-01-01 SANDY WILLIAMS
003 2012-01-01 SANDY WILLIAMS
003 2011-01-01 SANDY WILLIAMS
003 2010-01-01 SANDY WILLIAMS
003 2009-01-01 SANDY WILLIAMS

Plan Statistics for CITIZENS BANK 401K RETIREMENT PLAN

401k plan membership statisitcs for CITIZENS BANK 401K RETIREMENT PLAN

Measure Date Value
2022: CITIZENS BANK 401K RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 163
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 89
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 61
Total of all active and inactive participants 2022-01-01 150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 3
Total participants 2022-01-01 153
Number of participants with account balances 2022-01-01 147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 8
2021: CITIZENS BANK 401K RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 171
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 96
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 59
Total of all active and inactive participants 2021-01-01 155
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 4
Total participants 2021-01-01 159
Number of participants with account balances 2021-01-01 151
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 8
2020: CITIZENS BANK 401K RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 165
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 108
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 56
Total of all active and inactive participants 2020-01-01 164
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 3
Total participants 2020-01-01 167
Number of participants with account balances 2020-01-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 5
2019: CITIZENS BANK 401K RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 160
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 106
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 48
Total of all active and inactive participants 2019-01-01 154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 3
Total participants 2019-01-01 157
Number of participants with account balances 2019-01-01 140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 4
2018: CITIZENS BANK 401K RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 158
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 105
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 43
Total of all active and inactive participants 2018-01-01 148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 3
Total participants 2018-01-01 151
Number of participants with account balances 2018-01-01 134
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: CITIZENS BANK 401K RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 106
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 37
Total of all active and inactive participants 2017-01-01 143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 3
Total participants 2017-01-01 146
Number of participants with account balances 2017-01-01 131
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 5
2016: CITIZENS BANK 401K RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 133
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 107
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 37
Total of all active and inactive participants 2016-01-01 144
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 3
Total participants 2016-01-01 147
Number of participants with account balances 2016-01-01 129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 5
2015: CITIZENS BANK 401K RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 160
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 105
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 15
Total of all active and inactive participants 2015-01-01 120
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 3
Total participants 2015-01-01 123
Number of participants with account balances 2015-01-01 111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 5
2014: CITIZENS BANK 401K RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 162
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 114
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 34
Total of all active and inactive participants 2014-01-01 148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 3
Total participants 2014-01-01 151
Number of participants with account balances 2014-01-01 133
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 3
2013: CITIZENS BANK 401K RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 142
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 114
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 34
Total of all active and inactive participants 2013-01-01 148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 3
Total participants 2013-01-01 151
Number of participants with account balances 2013-01-01 128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 3
2012: CITIZENS BANK 401K RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 143
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 103
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 36
Total of all active and inactive participants 2012-01-01 139
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 3
Total participants 2012-01-01 142
Number of participants with account balances 2012-01-01 126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 7
2011: CITIZENS BANK 401K RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 110
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 30
Total of all active and inactive participants 2011-01-01 140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 3
Total participants 2011-01-01 143
Number of participants with account balances 2011-01-01 128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 11
2010: CITIZENS BANK 401K RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 161
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 121
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 26
Total of all active and inactive participants 2010-01-01 147
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 147
Number of participants with account balances 2010-01-01 125
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 3
2009: CITIZENS BANK 401K RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 133
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 114
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 24
Total of all active and inactive participants 2009-01-01 138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 138
Number of participants with account balances 2009-01-01 115
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 6

Measure	Date	Value
2022: CITIZENS BANK 401K RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	163
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	89
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	61
Total of all active and inactive participants	2022-01-01	150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	3
Total participants	2022-01-01	153
Number of participants with account balances	2022-01-01	147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	8
2021: CITIZENS BANK 401K RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	171
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	96
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	59
Total of all active and inactive participants	2021-01-01	155
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	4
Total participants	2021-01-01	159
Number of participants with account balances	2021-01-01	151
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	8
2020: CITIZENS BANK 401K RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	165
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	108
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	56
Total of all active and inactive participants	2020-01-01	164
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	3
Total participants	2020-01-01	167
Number of participants with account balances	2020-01-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	5
2019: CITIZENS BANK 401K RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	160
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	106
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	48
Total of all active and inactive participants	2019-01-01	154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	3
Total participants	2019-01-01	157
Number of participants with account balances	2019-01-01	140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	4
2018: CITIZENS BANK 401K RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	158
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	105
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	43
Total of all active and inactive participants	2018-01-01	148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	3
Total participants	2018-01-01	151
Number of participants with account balances	2018-01-01	134
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: CITIZENS BANK 401K RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	106
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	37
Total of all active and inactive participants	2017-01-01	143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	3
Total participants	2017-01-01	146
Number of participants with account balances	2017-01-01	131
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	5
2016: CITIZENS BANK 401K RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	133
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	107
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	37
Total of all active and inactive participants	2016-01-01	144
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	3
Total participants	2016-01-01	147
Number of participants with account balances	2016-01-01	129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	5
2015: CITIZENS BANK 401K RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	160
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	105
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	15
Total of all active and inactive participants	2015-01-01	120
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	3
Total participants	2015-01-01	123
Number of participants with account balances	2015-01-01	111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	5
2014: CITIZENS BANK 401K RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	162
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	114
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	34
Total of all active and inactive participants	2014-01-01	148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	3
Total participants	2014-01-01	151
Number of participants with account balances	2014-01-01	133
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	3
2013: CITIZENS BANK 401K RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	142
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	114
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	34
Total of all active and inactive participants	2013-01-01	148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	3
Total participants	2013-01-01	151
Number of participants with account balances	2013-01-01	128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	3
2012: CITIZENS BANK 401K RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	143
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	103
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	36
Total of all active and inactive participants	2012-01-01	139
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	3
Total participants	2012-01-01	142
Number of participants with account balances	2012-01-01	126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	7
2011: CITIZENS BANK 401K RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	110
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	30
Total of all active and inactive participants	2011-01-01	140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	3
Total participants	2011-01-01	143
Number of participants with account balances	2011-01-01	128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	11
2010: CITIZENS BANK 401K RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	161
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	121
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	26
Total of all active and inactive participants	2010-01-01	147
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	147
Number of participants with account balances	2010-01-01	125
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	3
2009: CITIZENS BANK 401K RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	133
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	114
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	24
Total of all active and inactive participants	2009-01-01	138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	138
Number of participants with account balances	2009-01-01	115
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	6

Financial Data on CITIZENS BANK 401K RETIREMENT PLAN

Measure	Date	Value
2022 : CITIZENS BANK 401K RETIREMENT PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-1,894,083
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$957,268
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$896,000
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$495,333
Value of total assets at end of year	2022-12-31	$12,617,415
Value of total assets at beginning of year	2022-12-31	$15,468,766
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$61,268
Total interest from all sources	2022-12-31	$9,886
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$287,504
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$287,504
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$338,364
Participant contributions at end of year	2022-12-31	$281,702
Participant contributions at beginning of year	2022-12-31	$189,610
Other income not declared elsewhere	2022-12-31	$-2,250
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-2,851,351
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$12,617,415
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$15,468,766
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$56,173
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$8,880,104
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$10,780,952
Interest on participant loans	2022-12-31	$9,886
Value of interest in common/collective trusts at end of year	2022-12-31	$3,119,105
Value of interest in common/collective trusts at beginning of year	2022-12-31	$4,334,471
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$179,535
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$20,166
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$20,166
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-2,608,311
Net investment gain or loss from common/collective trusts	2022-12-31	$-76,245
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$156,969
Employer contributions (assets) at end of year	2022-12-31	$156,969
Employer contributions (assets) at beginning of year	2022-12-31	$143,567
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$896,000
Contract administrator fees	2022-12-31	$5,095
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	FORTNER BAYENS, PC
Accountancy firm EIN	2022-12-31	840741890
2021 : CITIZENS BANK 401K RETIREMENT PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$2,492,161
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$1,080,147
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$1,012,908
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$467,788
Value of total assets at end of year	2021-12-31	$15,468,766
Value of total assets at beginning of year	2021-12-31	$14,056,752
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$67,239
Total interest from all sources	2021-12-31	$9,416
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$334,253
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$334,253
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$324,052
Participant contributions at end of year	2021-12-31	$189,610
Participant contributions at beginning of year	2021-12-31	$211,964
Participant contributions at end of year	2021-12-31	$0
Participant contributions at beginning of year	2021-12-31	$169
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$169
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$1,412,014
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$15,468,766
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$14,056,752
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$61,514
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$10,780,952
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$9,904,590
Interest on participant loans	2021-12-31	$9,011
Value of interest in common/collective trusts at end of year	2021-12-31	$4,334,471
Value of interest in common/collective trusts at beginning of year	2021-12-31	$3,523,385
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$20,166
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$239,779
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$239,779
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2021-12-31	$405
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$1,555,771
Net investment gain or loss from common/collective trusts	2021-12-31	$124,933
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$143,567
Employer contributions (assets) at end of year	2021-12-31	$143,567
Employer contributions (assets) at beginning of year	2021-12-31	$176,865
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$1,012,908
Contract administrator fees	2021-12-31	$5,725
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	FORTNER,BAYENS,LEVKULICH & GARRISON
Accountancy firm EIN	2021-12-31	840741890
2020 : CITIZENS BANK 401K RETIREMENT PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$2,850,476
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$702,390
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$646,035
Value of total corrective distributions	2020-12-31	$445
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,202,150
Value of total assets at end of year	2020-12-31	$14,056,752
Value of total assets at beginning of year	2020-12-31	$11,908,666
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$55,910
Total interest from all sources	2020-12-31	$14,960
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$236,894
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$236,894
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$345,444
Participant contributions at end of year	2020-12-31	$211,964
Participant contributions at beginning of year	2020-12-31	$273,787
Participant contributions at end of year	2020-12-31	$169
Participant contributions at beginning of year	2020-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$679,841
Other income not declared elsewhere	2020-12-31	$1,667
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$2,148,086
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$14,056,752
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$11,908,666
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Investment advisory and management fees	2020-12-31	$47,373
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$9,904,590
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$11,485,746
Interest on participant loans	2020-12-31	$14,960
Value of interest in common/collective trusts at end of year	2020-12-31	$3,523,385
Value of interest in common/collective trusts at beginning of year	2020-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$239,779
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$1,334,208
Net investment gain or loss from common/collective trusts	2020-12-31	$60,597
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$176,865
Employer contributions (assets) at end of year	2020-12-31	$176,865
Employer contributions (assets) at beginning of year	2020-12-31	$149,133
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$646,035
Contract administrator fees	2020-12-31	$8,537
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	FORTNER,BAYENS,LEVKULICH & GARRISON
Accountancy firm EIN	2020-12-31	840741890
2019 : CITIZENS BANK 401K RETIREMENT PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$2,552,025
Total income from all sources (including contributions)	2019-12-31	$2,552,025
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$622,520
Total of all expenses incurred	2019-12-31	$622,520
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$576,252
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$576,252
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$447,790
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$447,790
Value of total assets at end of year	2019-12-31	$11,908,666
Value of total assets at end of year	2019-12-31	$11,908,666
Value of total assets at beginning of year	2019-12-31	$9,979,161
Value of total assets at beginning of year	2019-12-31	$9,979,161
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$46,268
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$46,268
Total interest from all sources	2019-12-31	$13,476
Total interest from all sources	2019-12-31	$13,476
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$258,090
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$258,090
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$258,090
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$258,090
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$298,657
Contributions received from participants	2019-12-31	$298,657
Participant contributions at end of year	2019-12-31	$273,787
Participant contributions at end of year	2019-12-31	$273,787
Participant contributions at beginning of year	2019-12-31	$240,710
Participant contributions at end of year	2019-12-31	$0
Participant contributions at end of year	2019-12-31	$0
Participant contributions at beginning of year	2019-12-31	$2,123
Participant contributions at beginning of year	2019-12-31	$2,123
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$1,929,505
Value of net income/loss	2019-12-31	$1,929,505
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$11,908,666
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$11,908,666
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$9,979,161
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$9,979,161
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$42,968
Investment advisory and management fees	2019-12-31	$42,968
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$11,485,746
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$11,485,746
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$9,593,577
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$9,593,577
Interest on participant loans	2019-12-31	$13,476
Interest on participant loans	2019-12-31	$13,476
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,832,669
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$149,133
Contributions received in cash from employer	2019-12-31	$149,133
Employer contributions (assets) at end of year	2019-12-31	$149,133
Employer contributions (assets) at beginning of year	2019-12-31	$142,751
Employer contributions (assets) at beginning of year	2019-12-31	$142,751
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$576,252
Contract administrator fees	2019-12-31	$3,300
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	FORTNER BAYENS
Accountancy firm name	2019-12-31	FORTNER BAYENS
Accountancy firm EIN	2019-12-31	840741890
Accountancy firm EIN	2019-12-31	840741890
2018 : CITIZENS BANK 401K RETIREMENT PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$-175,085
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$899,627
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$857,937
Expenses. Certain deemed distributions of participant loans	2018-12-31	$4,828
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$405,042
Value of total assets at end of year	2018-12-31	$9,979,161
Value of total assets at beginning of year	2018-12-31	$11,053,873
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$36,862
Total interest from all sources	2018-12-31	$13,300
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$552,550
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$552,550
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$262,286
Participant contributions at end of year	2018-12-31	$240,710
Participant contributions at beginning of year	2018-12-31	$370,456
Participant contributions at end of year	2018-12-31	$2,123
Participant contributions at beginning of year	2018-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-1,074,712
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$9,979,161
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$11,053,873
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Investment advisory and management fees	2018-12-31	$33,232
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$9,593,577
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$10,535,907
Interest on participant loans	2018-12-31	$13,300
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-1,145,977
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$142,756
Employer contributions (assets) at end of year	2018-12-31	$142,751
Employer contributions (assets) at beginning of year	2018-12-31	$147,510
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$857,937
Contract administrator fees	2018-12-31	$3,630
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	No
Opinion of an independent qualified public accountant for this plan	2018-12-31	Unqualified
Accountancy firm name	2018-12-31	FORTNER BAYNES
Accountancy firm EIN	2018-12-31	840741890
2017 : CITIZENS BANK 401K RETIREMENT PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$3,526,127
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$770,716
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$733,449
Value of total corrective distributions	2017-12-31	$4,465
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$2,125,047
Value of total assets at end of year	2017-12-31	$11,053,873
Value of total assets at beginning of year	2017-12-31	$8,298,462
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$32,802
Total interest from all sources	2017-12-31	$12,218
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$458,760
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$458,760
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$275,773
Participant contributions at end of year	2017-12-31	$370,456
Participant contributions at beginning of year	2017-12-31	$263,790
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$1,701,762
Administrative expenses (other) incurred	2017-12-31	$1,728
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$2,755,411
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$11,053,873
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$8,298,462
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Investment advisory and management fees	2017-12-31	$28,258
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$10,535,907
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$7,890,022
Interest on participant loans	2017-12-31	$12,218
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$930,102
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$147,512
Employer contributions (assets) at end of year	2017-12-31	$147,510
Employer contributions (assets) at beginning of year	2017-12-31	$144,650
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$733,449
Contract administrator fees	2017-12-31	$2,816
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	No
Opinion of an independent qualified public accountant for this plan	2017-12-31	Unqualified
Accountancy firm name	2017-12-31	FORTNER BAYNES
Accountancy firm EIN	2017-12-31	840741890
2016 : CITIZENS BANK 401K RETIREMENT PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,055,965
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$961,226
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$927,964
Value of total corrective distributions	2016-12-31	$4,729
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$420,509
Value of total assets at end of year	2016-12-31	$8,298,462
Value of total assets at beginning of year	2016-12-31	$8,203,723
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$28,533
Total interest from all sources	2016-12-31	$11,601
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$312,210
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$312,210
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$275,859
Participant contributions at end of year	2016-12-31	$263,790
Participant contributions at beginning of year	2016-12-31	$292,970
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$94,739
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$8,298,462
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$8,203,723
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Investment advisory and management fees	2016-12-31	$23,959
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$7,890,022
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$7,757,905
Interest on participant loans	2016-12-31	$11,601
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$311,645
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$144,650
Employer contributions (assets) at end of year	2016-12-31	$144,650
Employer contributions (assets) at beginning of year	2016-12-31	$152,848
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$927,964
Contract administrator fees	2016-12-31	$4,574
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	FORTNER BAYNES
Accountancy firm EIN	2016-12-31	840741890
2015 : CITIZENS BANK 401K RETIREMENT PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$461,055
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$462,900
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$428,375
Value of total corrective distributions	2015-12-31	$3,592
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$486,630
Value of total assets at end of year	2015-12-31	$8,203,723
Value of total assets at beginning of year	2015-12-31	$8,205,568
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$30,933
Total interest from all sources	2015-12-31	$12,831
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$484,455
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$484,455
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$292,419
Participant contributions at end of year	2015-12-31	$292,970
Participant contributions at beginning of year	2015-12-31	$337,922
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$41,363
Administrative expenses (other) incurred	2015-12-31	$2,268
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$-1,845
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$8,203,723
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$8,205,568
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Investment advisory and management fees	2015-12-31	$24,599
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$7,757,905
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$7,712,622
Interest on participant loans	2015-12-31	$12,831
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-522,861
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$152,848
Employer contributions (assets) at end of year	2015-12-31	$152,848
Employer contributions (assets) at beginning of year	2015-12-31	$155,024
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$428,375
Contract administrator fees	2015-12-31	$4,066
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	FORTNER BAYNES
Accountancy firm EIN	2015-12-31	840741890
2014 : CITIZENS BANK 401K RETIREMENT PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$978,440
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$386,032
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$354,285
Value of total corrective distributions	2014-12-31	$3,509
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$536,737
Value of total assets at end of year	2014-12-31	$8,205,568
Value of total assets at beginning of year	2014-12-31	$7,613,160
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$28,238
Total interest from all sources	2014-12-31	$15,314
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$346,977
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$346,977
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$281,710
Participant contributions at end of year	2014-12-31	$337,922
Participant contributions at beginning of year	2014-12-31	$372,299
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$100,000
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$592,408
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$8,205,568
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$7,613,160
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Investment advisory and management fees	2014-12-31	$23,166
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$7,712,622
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$7,096,256
Interest on participant loans	2014-12-31	$15,314
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$79,412
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$155,027
Employer contributions (assets) at end of year	2014-12-31	$155,024
Employer contributions (assets) at beginning of year	2014-12-31	$144,605
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$354,285
Contract administrator fees	2014-12-31	$5,072
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	FORTNER BAYNES
Accountancy firm EIN	2014-12-31	840741890
2013 : CITIZENS BANK 401K RETIREMENT PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,424,415
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$564,930
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$538,622
Value of total corrective distributions	2013-12-31	$2,512
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$418,973
Value of total assets at end of year	2013-12-31	$7,613,160
Value of total assets at beginning of year	2013-12-31	$6,753,675
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$23,796
Total interest from all sources	2013-12-31	$14,625
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$209,012
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$209,012
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$268,547
Participant contributions at end of year	2013-12-31	$372,299
Participant contributions at beginning of year	2013-12-31	$359,906
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$5,791
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$859,485
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$7,613,160
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$6,753,675
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Investment advisory and management fees	2013-12-31	$17,660
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$7,096,256
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$6,249,158
Interest on participant loans	2013-12-31	$14,625
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$781,805
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$144,635
Employer contributions (assets) at end of year	2013-12-31	$144,605
Employer contributions (assets) at beginning of year	2013-12-31	$144,611
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$538,622
Contract administrator fees	2013-12-31	$6,136
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	FORTNER BAYNES
Accountancy firm EIN	2013-12-31	840741890
2012 : CITIZENS BANK 401K RETIREMENT PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$1,121,114
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$63,144
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$40,720
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$439,028
Value of total assets at end of year	2012-12-31	$6,753,675
Value of total assets at beginning of year	2012-12-31	$5,695,705
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$22,424
Total interest from all sources	2012-12-31	$14,324
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$285,583
Participant contributions at end of year	2012-12-31	$359,906
Participant contributions at beginning of year	2012-12-31	$291,678
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$8,834
Other income not declared elsewhere	2012-12-31	$-3,969
Administrative expenses (other) incurred	2012-12-31	$1,886
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$1,057,970
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$6,753,675
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$5,695,705
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Investment advisory and management fees	2012-12-31	$17,373
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$6,249,158
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$5,256,179
Interest on participant loans	2012-12-31	$14,324
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$671,731
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2012-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$144,611
Employer contributions (assets) at end of year	2012-12-31	$144,611
Employer contributions (assets) at beginning of year	2012-12-31	$147,848
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$40,720
Contract administrator fees	2012-12-31	$3,165
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	CHANDLER & CO., LLP
Accountancy firm EIN	2012-12-31	850336896
2011 : CITIZENS BANK 401K RETIREMENT PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$389,245
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$248,203
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$227,103
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$434,092
Value of total assets at end of year	2011-12-31	$5,695,705
Value of total assets at beginning of year	2011-12-31	$5,554,663
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$21,100
Total interest from all sources	2011-12-31	$13,316
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$286,244
Participant contributions at end of year	2011-12-31	$291,678
Participant contributions at beginning of year	2011-12-31	$302,049
Administrative expenses (other) incurred	2011-12-31	$3,664
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$141,042
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$5,695,705
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$5,554,663
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Investment advisory and management fees	2011-12-31	$14,816
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$5,256,179
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$5,104,272
Interest on participant loans	2011-12-31	$13,316
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-58,163
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2011-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$147,848
Employer contributions (assets) at end of year	2011-12-31	$147,848
Employer contributions (assets) at beginning of year	2011-12-31	$148,342
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$227,103
Contract administrator fees	2011-12-31	$2,620
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	CHANDLER & CO., LLP
Accountancy firm EIN	2011-12-31	850336896
2010 : CITIZENS BANK 401K RETIREMENT PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$994,762
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$160,157
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$143,535
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$480,433
Value of total assets at end of year	2010-12-31	$5,554,663
Value of total assets at beginning of year	2010-12-31	$4,720,058
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$16,622
Total interest from all sources	2010-12-31	$12,377
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$105,216
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$105,216
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$290,718
Participant contributions at end of year	2010-12-31	$302,049
Participant contributions at beginning of year	2010-12-31	$214,202
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$41,373
Administrative expenses (other) incurred	2010-12-31	$4,358
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$834,605
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$5,554,663
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$4,720,058
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Investment advisory and management fees	2010-12-31	$9,442
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$5,104,272
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$3,917,347
Interest on participant loans	2010-12-31	$12,377
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$441,480
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$441,480
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$396,736
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$148,342
Employer contributions (assets) at end of year	2010-12-31	$148,342
Employer contributions (assets) at beginning of year	2010-12-31	$147,029
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$143,535
Contract administrator fees	2010-12-31	$2,822
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	CHANDLER & CO., LLP
Accountancy firm EIN	2010-12-31	850336896
2009 : CITIZENS BANK 401K RETIREMENT PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for CITIZENS BANK 401K RETIREMENT PLAN

2022: CITIZENS BANK 401K RETIREMENT PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: CITIZENS BANK 401K RETIREMENT PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: CITIZENS BANK 401K RETIREMENT PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: CITIZENS BANK 401K RETIREMENT PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: CITIZENS BANK 401K RETIREMENT PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: CITIZENS BANK 401K RETIREMENT PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: CITIZENS BANK 401K RETIREMENT PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: CITIZENS BANK 401K RETIREMENT PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: CITIZENS BANK 401K RETIREMENT PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: CITIZENS BANK 401K RETIREMENT PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: CITIZENS BANK 401K RETIREMENT PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: CITIZENS BANK 401K RETIREMENT PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: CITIZENS BANK 401K RETIREMENT PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: CITIZENS BANK 401K RETIREMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	THE CITIZENS BANK
Employer identification number (EIN):	850021005
NAIC Classification:	522110
NAIC Description:	Commercial Banking