Citizens Banking Corporation to Report 2004 Fourth Quarter Earnings an

    Business Editors

    FLINT, Mich.--(BUSINESS WIRE)--Jan. 4, 2005--Citizens Banking Corporation (NASDAQ:CBCF) will release its fourth quarter 2004 earnings results on Thursday, January 20, 2005. The release will be available on the Internet at www.citizensonline.com within the "Press Release" section of the "Investor Relations" area of Citizens' web site.
    William R. Hartman, chairman, president and CEO, Charles D. Christy, CFO, John D. Schwab, chief credit officer and Martin E. Grunst, treasurer will review the quarter's results in a conference call for investors and analysts beginning at 10:00am EST on Friday, January 21, 2005.
    A live audio web cast is available at http://viavid.net/dce.aspx?sid=00002160 To participate in the conference call, please call the number below approximately 10 minutes prior to the scheduled conference time: US/Canada Dial-In Number: (800) 374-2419 International Dial-In Number: (706) 634-1073 Conference ID #3188892 Conference Name: "Citizens Banking Corporation 4th Quarter Earnings" R.S.V.P. is not required.
    A playback of the conference call will be available after 12:00pm EST through January 28, 2005, by dialing US/Canada Dial-In Number: (800) 642-1687 or International Dial-In Number: (706) 645-9291 conference ID: 3188892. Also, the call can be accessed via Citizens' web site, through the Investor Relations section at www.citizensonline.com.

    Corporate Profile

    Citizens Banking Corporation is a diversified financial services company providing a full range of commercial, consumer, mortgage banking, trust and financial planning services to a broad client base. Citizens operates 180 branch, private banking, and financial center locations throughout Michigan, Wisconsin and Iowa.
    Visit our Web site at http://www.citizensonline.com

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CONTACT: Citizens Banking Corporation Investor Relations Kathleen O. Miller, 810-257-2506 Kathleen.Miller@cbcf-net.com

KEYWORD: WISCONSIN MICHIGAN IOWA INDUSTRY KEYWORD: BANKING EARNINGS CONFERENCE CALLS SOURCE: Citizens Banking Corporation

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