Annual Shareholders' Meeting

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5 Annual Shareholders' Meeting February 1, 2017 Notice is hereby given: That the annual meeting of the shareholders of First Citizens Bancshares, Inc., in Waxahachie, Texas, will be held in the Director s Conference Room at Citizens National Bank of Texas, on the 28 th day of February, 2017, at 9:00 a.m., for the election of Directors and the transaction of such other business as may properly come before the meeting. Enclosed is a proxy, please vote ( for or against ), sign, date, and return by the 17 th day of February, In the event that you are present at the meeting and desire to do so, you can hold your proxy and vote in person. Respectfully, Julie Henry

6 FIRST CITIZENS BANCSHARES, INC. BALANCE SHEET ASSETS 12/31/ /31/2015 CASH $3,885,457 $3,018,212 INVESTMENTS IN CNB $84,769,542 $80,169,428 FUTURE MED INTERVENTION DEBENTURES $0 $0 CABLE ELECTRONICS DEBENTURES A $80,000 $80,000 CABLE ELECTRONICS DEBENTURES B $44,452 $44,452 OTHER REAL ESTATE $717,824 $768,100 PREPAID CORPORATE TRUST I $95,795 $102,795 PREPAID CORPORATE TRUST III $30,278 $31,944 PREPAID FRANCHISE TAX $7,427 $25,627 PREPAID DEBT ISSUANCE COST $198,000 $220,000 PREPAID DISTRIBUTIONS $0 $0 INVESTMENT IN TRUST I $217,000 $217,000 INVESTMENT IN TRUST III $186,000 $186,000 INVESTMENT IN TRUST IV $93,000 $93, TOTAL ASSETS $90,324,775 $84,956,558 ============= ============= LIABILITIES ACCRUED INT. ON PREFERRED TRUST I $240,126 $240,126 ACCRUED INT. ON TRUST III $9,539 $8,968 ACCRUED INT. ON TRUST IV $42,357 $34,139 ACCRUED INTEREST ON SUB DEBT $193,278 $177,500 TOTAL SHORT TERM LIABILITIES $485,300 $460,733 DEBENTURE CORPORATE TRUST I $7,217,000 $7,217,000 DEBENTURE CORPORATE TRUST II $0 $0 DEBENTURE CORPORATE TRUST III $6,186,000 $6,186,000 DEBENTURE CORPORATE TRUST IV $3,093,000 $3,093,000 DEBT ISSUANCE - STONE CASTLE $10,000,000 $10,000,000 TRUPS SWAPS TRUST III $1,425,975 $1,041,976 TRUPS SWAPS TRUST IV $994,163 $753,607 NOTE PAYABLE M. E. SINGLETON SCHOLARSHIP $0 $ TOTAL LONG TERM LIABILITIES $28,916,138 $28,291, TOTAL LIABILITIES $29,401,438 $28,752,316 COMMON STOCK $1,154,800 $1,154,800 PAID IN SURPLUS $1,636,666 $1,636,666 RETAINED EARNINGS $63,954,608 $60,250,614 NET INCOME YEAR TO DATE $14,215,240 $12,005,506 UNREALIZED GAINS (LOSSES) ON CNB SEC. ($85,658) ($40,130) OTHER COMPREHENSIVE INCOME TRUPS ($2,420,138) ($1,795,583) $78,455,518 $73,211,873 TREASURY STOCK ($17,532,181) ($17,007,631) TOTAL EQUITY CAPITAL $60,923,337 $56,204,242 TOTAL LIABILITIES AND EQUITY CAPITAL $90,324,775 $84,956,558 ============= =============

7 FIRST CITIZENS BANCSHARES STATEMENT OF EARNINGS YEAR TO DATE OPERATING INCOME 12/31/ /31/2015 SUBSIDIARY INCOME (100% OWNERSHIP) $4,645,644 $5,719,887 DISTRIBUTION FROM CNB (SUBSIDIARY) $11,730,000 $7,900,000 DIVIDEND INCOME $0 $4,526 INTEREST INCOME $40,927 $39,779 TOTAL OPERATING INCOME $16,416,571 $13,664,192 OPERATING EXPENSES LEGAL FEES $0 $3,158 DIRECTORS FEES $5,600 $4,600 AUDIT EXPENSE $0 $0 PROPERTY TAX EXPENSE $6,421 $7,446 OREO SALES EXPENSES $24,573 $260 LOSS ON SALE OF OREO $0 $0 MISCELLANEOUS EXPENSE $28,300 $0 FRANCHISE TAX EXPENSE $47,908 $33,072 INTEREST EXPENSE $0 $4,246 INTEREST ON TRUST PREFERRED I $765,002 $765,002 TRUST PREFERRED AMORT. EXP $7,000 $7,000 INT ON TRUST PREFERRED III $376,000 $376,000 TRUST III AMORTIZATION EXPENSE $1,667 $1,667 INTEREST ON TRUST PREFERRED IV $206,860 $206,860 INTEREST ON SUB DEBT ISSUES $710,000 $249,375 SUB DEBT ISSUED AMORT COST $22,000 TOTAL OPERATING EXPENSES $2,201,331 $1,658,686 NET INCOME $14,215,240 $12,005,506 PROVISION FOR CURRENT INCOME TAX $0 $0 DEFERRED INC. TAX EXPENSE CURRENT $0 $0 EXTRAORDINARY ITEM-CUMM EFFECT FASB $0 $0 DEFERRED INCOME TAX PROVISIONS $0 $0 NET EARNINGS $14,215,240 $12,005,506

8 FIRST CITIZENS BANCSHARES STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY COMMON TREASURY PAID IN RETAINED UNREALIZED OCI TOTAL STOCK STOCK SURPLUS EARNINGS GAIN/LOSS TRUPS SWAPS EQUITY BALANCE DECEMBER 31, 2010 $ 1,154,800 $ (4,218,430) $ 1,636,666 $ 41,164,663 $ (1,882) $ - $ 39,735,817 NET INCOME 2011 $ 9,024,230 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (1,672,110) BALANCE DECEMBER 31, 2011 $ 1,154,800 $ (4,147,680) $ 1,636,666 $ 48,516,783 $ 23,465 $ (2,100,621) $ 45,083,413 NET INCOME 2012 $ 10,315,344 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (5,134,950) BALANCE DECEMBER 31, 2012 $ 1,154,800 $ (4,927,680) $ 1,636,666 $ 53,697,177 $ 181,021 $ (2,275,465) $ 49,466,519 NET INCOME 2013 $ 7,755,077 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (2,483,190) BALANCE DECEMBER 31, 2013 $ 1,154,800 $ (4,927,680) $ 1,636,666 $ 58,969,064 $ (148,942) $ (842,442) $ 55,841,466 NET INCOME 2014 $ 10,179,022 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (3,296,407) BALANCE DECEMBER 31, 2014 $ 1,154,800 $ (7,739,774) $ 1,636,666 $ 65,851,679 $ (9,486) $ (1,785,040) $ 59,108,845 NET INCOME 2015 $ 12,005,506 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (5,601,065) BALANCE DECEMBER 31, 2015 $ 1,154,800 $ (17,007,631) $ 1,636,666 $ 72,256,120 $ (40,130) $ (1,795,583) $ 56,204,242 NET INCOME 2016 $ 14,215,240 COMMON STOCK ISSUED $ - SHAREHOLDERS DISTRIBUTION $ (8,301,512) BALANCE DECEMBER 31, 2016 $ 1,154,800 $ (17,532,181) $ 1,636,666 $ 78,169,848 $ (85,658) $ (2,420,138) $ 60,923,337

9 Assets Citizens National Bank of Texas Balance Sheet (Whole Dollars) December 31, 2016 vs. November 30, 2016 Difference December, 2016 November, 2016 current v Actual Actual previous Real Estate Loans 548,660, ,646,528 7,014,414 Commercial Loans 89,591,765 91,909,054 (2,317,289) Individual Loans 11,989,067 11,075, ,887 Agricultural Loans Other Loans & Leases Gross Loans and Leases 650,241, ,630,762 5,611,013 Less: Unearned Income Ln&Ls Allowance & Allocated Trsf Risk 6,683,714 6,705,611 (21,897) Net Loans and Leases 643,558, ,925,151 5,632,910 U.S. Treasury and Agency Securities 5,865,464 5,993,747 (128,283) Municipal Securities 11,185,901 11,200,047 (14,146) Foreign Debt Securities All Other Securities 9,611,457 9,645,838 (34,381) Interest-bearing Bank Balances 88,816,475 92,885,855 (4,069,380) Federal Funds Sold and Repos 492, , ,000 Trading Account Assets Total Investments 115,971, ,975,488 (4,004,191) Total Earning Assets 759,529, ,900,639 1,628,719 Nonint-bearing Cash & Due From Banks 18,526,642 19,691,719 (1,165,077) Acceptances Premises, Fixed Assets, Capital Leases 20,453,500 20,290, ,634 Other Real Estate Owned 1,450,008 1,922,763 (472,755) Investment in Unconsolidated Subs Other Assets 35,387,674 37,234,820 (1,847,146) Total Assets 835,347, ,040,807 (1,693,625) Liabilities Demand Deposits 28,924,801 27,144,217 1,780,584 Now and ATS Accounts 26,522,313 22,783,105 3,739,208 Money Market Deposit Accounts 485,222, ,356,877 (9,134,513) Other Savings Deposits 134,446, ,249,271 1,197,131 Time Deposit Under $100,000 39,295,006 39,503,640 (208,634) Core Deposits 714,410, ,037,110 (2,626,224) Time Deposit of $100,000 or More 25,195,700 24,837, ,291 All Brokered Deposits 6,798,397 6,790,141 8,256 Total Deposits 746,404, ,664,660 (2,259,677) Federal Funds Purch and Repos Other Borrowings Acceptances & Other Liabilities 4,172,657 5,126,819 (954,162) Total Liabilities(Including Mortgage) 750,577, ,791,479 (3,213,839) Subordinated Notes and Debentures Equity Capital 84,769,542 83,249,329 1,520,213 Total Liabilities and Capital 835,347, ,040,807 (1,693,625)

10 Assets Citizens National Bank of Texas Balance Sheet (Whole Dollars) December 31, 2016 vs. December 31, 2015 Difference December, 2016 December, 2015 current v Actual Actual previous Real Estate Loans 548,660, ,527,207 44,133,735 Commercial Loans 89,591,765 75,395,111 14,196,654 Individual Loans 11,989,067 9,792,614 2,196,453 Agricultural Loans Other Loans & Leases Gross Loans and Leases 650,241, ,714,932 60,526,843 Less: Unearned Income Ln&Ls Allowance & Allocated Trsf Risk 6,683,714 5,389,526 1,294,188 Net Loans and Leases 643,558, ,325,406 59,232,655 U.S. Treasury and Agency Securities 5,865,464 7,556,777 (1,691,313) Municipal Securities 11,185,901 13,684,979 (2,499,078) Foreign Debt Securities All Other Securities 9,611,457 4,394,603 5,216,854 Interest-bearing Bank Balances 88,816,475 59,578,613 29,237,862 Federal Funds Sold and Repos 492, , ,000 Trading Account Assets Total Investments 115,971,297 85,464,972 30,506,325 Total Earning Assets 759,529, ,790,378 89,738,980 Nonint-bearing Cash & Due From Banks 18,526,642 12,908,805 5,617,837 Acceptances Premises, Fixed Assets, Capital Leases 20,453,500 12,128,459 8,325,041 Other Real Estate Owned 1,450,008 1,278, ,308 Investment in Unconsolidated Subs Other Assets 35,387,674 31,222,541 4,165,133 Total Assets 835,347, ,328, ,018,299 Liabilities Demand Deposits 28,924,801 18,345,522 10,579,279 Now and ATS Accounts 26,522,313 27,384,493 (862,180) Money Market Deposit Accounts 485,222, ,329,133 76,893,231 Other Savings Deposits 134,446, ,019,238 18,427,164 Time Deposit Under $100,000 39,295,006 41,766,831 (2,471,825) Core Deposits 714,410, ,845, ,565,669 Time Deposit of $100,000 or More 25,195,700 24,766, ,290 All Brokered Deposits 6,798,397 6,665, ,970 Total Deposits 746,404, ,277, ,127,930 Federal Funds Purch and Repos Other Borrowings Acceptances & Other Liabilities 4,172,657 3,882, ,255 Total Liabilities(Including Mortgage) 750,577, ,159, ,418,185 Subordinated Notes and Debentures Equity Capital 84,769,542 80,169,428 4,600,114 Total Liabilities and Capital 835,347, ,328, ,018,299

11 Citizens National Bank of Texas Income Statement (Whole Dollars) Year To Date Year To Date December, 2016 November, 2016 December, 2016 December, 2015 Actual Actual Actual Actual Interest and Fees On Loans 2,794,934 2,851,328 32,854,218 28,972,609 Income from Lease Financing Fully Taxable 2,661,437 2,722,676 31,128,984 26,929,423 Tax-Exempt 133, ,652 1,725,234 2,043,186 Estimated Tax Benefit Income on Loans & Leases(TE) 2,794,934 2,851,328 32,854,218 28,972,609 U.S. Treasury and Agency Securities 8,135 7, , ,297 Tax-exempt Securities Income 14,909 14, , ,940 Estimated Tax Benefit Other Securities Income 54,766 30, , ,678 Investment Interest/Div Income(TE) 77,810 52, , ,915 Interest on Due From Banks 42,423 34, , ,320 Interest on Fed Funds Sold and Repos , Trading Assets Income Total Interest Income (TE) 2,915,325 2,938,786 34,029,433 29,636,373 Interest on CD's Over $100,000 11,309 10, , ,176 Interest on All Other Deposits 116, ,371 1,280,160 1,131,981 Interest on Fed Funds Purch and Repos 0 0 5,456 5,522 Interest on Borrowed Money Interest on Mortgages and Leases Interest on Sub Notes and Debentures Total Interest Expense 127, ,188 1,420,345 1,269,680 Net Interest Income (TE) 2,787,948 2,816,598 32,609,088 28,366,693 Noninterest Income 1,692,982 2,229,398 13,689,847 11,387,768 Adjusted Operating Income (TE) 4,480,930 5,045,996 46,298,935 39,754,461 Noninterest Expense 2,822,786 2,447,535 28,568,446 25,983,749 Provision: Loan and Lease Losses 103, ,000 1,354, ,000 Provision: Allocated Transfer Risk Pretax Operating Income (TE) 1,554,811 2,498,461 16,376,301 13,620,713 Realized G/L Held-to-Maturity Securities Realized G/L Avail-for-Sale Securities 0 0 (658) (820) Pretax Net Operating Income (TE) 1,554,811 2,498,461 16,375,643 13,619,893 Applicable Income Taxes Tax Equivalent Adjustment Applicable Income Taxes (TE) Net Operating Income 1,554,811 2,498,461 16,375,643 13,619,893 Net Extraordinary Items Net Income 1,554,811 2,498,461 16,375,643 13,619,893

12 Proxy Know all Men by These Presents: That the undersigned stockholder of First Citizens Bancshares, Inc. of Waxahachie, Texas, hereby constitutes and appoints Jeannette Robin S. Cloyd the true and lawful attorneys and proxies of the undersigned, to attend and represent the undersigned at the annual meeting of the stockholders of the said Bank, to be held at the office of said Bank on February 28, 2017, and for and on behalf of the undersigned to vote on the matters enumerated below as directed herein: For / Against (1) Directors: S. F. Steve Chapman, Jeannette Robin S. Cloyd, J. Michael Mike Lee, Daniel Gene O Donnell, Jim R. Odom, James R. Jim Pitts, Marvin E. Mark Singleton, III, Patti P. Junkin, Yomi J. Fayiga, Pat Merrill, W.R. Bob Seeds, John C. Wray, R. Galen Kemp, Austin Blankenbeckler, Lindsey Manwarren, and Brian Ford (2) Employ Fox & Byrd, C.P.A., P.C. to conduct an annual audit for (3) and on any other matter or thing that may come before said meeting or any adjournment or adjournments thereof, according to the number of shares of stock of said Bank which the undersigned would be entitled to vote, if there personally present, and the undersigned here gives and grants unto said attorneys and proxies, full power of substitution and revocation, hereby confirming all that said attorneys and proxies shall do in the premises. Management recommends a vote for each of these propositions. If no vote is indicated, the proxy will be cast for each proposal IN WITNESS WHEREOF, I have hereunto set my hand this the day of, Printed Name of Shareholder Signature of Shareholder Number of Shares Represented Signed in presence of:

13 AMENDED FIRST CITIZENS BANCSHARES, INC 200 N. ELM ST WAXAHACHIE, TX REPORT ITEM 2 ORGANIZATIONAL CHART Organizational chart of Bank Holding Company's direct and indirect ownership or control of all its Bank and Non-Bank Subsidiaries: FIRST CITIZENS BANCSHARES, INC LEI: None Waxahachie, Texas Incorporated in Texas CITIZENS NATIONAL BANK OF TEXAS LEI: None Waxahachie, TX Incorporated In Texas 100% owned by FCBS FCB/TX STATUTORY TRUST I FCB/TX STATUTORY TRUST III FCB/TX STATUTORY TRUST IV LEI: None LEI: None LEI: None Waxahachie, TX Waxahachie, TX Waxahachie, TX Incorporated in Connecticut 100% owned by FCBS Incorporated in Delaware 100% owned by FCBS Incorporated in Delaware 100% owned by FCBS CNB of Texas Land & Title, Co LEI: None Waxahachie, TX Incorporated In Texas 100% - Managing Member(CNB of Texas) Town Square Title Company, LLC LEI: None Waxahachie, TX Incorporated In Texas 80% - Managing Member

14 Results: A list of branches for your depository institution: CITIZENS NATIONAL BANK OF TEXAS (ID_RSSD: ). This depository institution is held by FIRST CITIZENS BANCSHARES, INC. ( ) of WAXAHACHIE, TX. The data are as of 12/31/2016. Data reflects information that was received and processed through 01/10/2017. Reconciliation and Verification Steps 1. In the Data Action column of each branch row, enter one or more of the actions specified below 2. If required, enter the date in the Effective Date column Actions OK: If the branch information is correct, enter 'OK' in the Data Action column. Change: If the branch information is incorrect or incomplete, revise the data, enter 'Change' in the Data Action column and the date when this information first became valid in the Effective Date column. Close: If a branch listed was sold or closed, enter 'Close' in the Data Action column and the sale or closure date in the Effective Date column. Delete: If a branch listed was never owned by this depository institution, enter 'Delete' in the Data Action column. Add: If a reportable branch is missing, insert a row, add the branch data, and enter 'Add' in the Data Action column and the opening or acquisition date in the Effective Date column. If printing this list, you may need to adjust your page setup in MS Excel. Try using landscape orientation, page scaling, and/or legal sized paper. Submission Procedure When you are finished, send a saved copy to your FRB contact. See the detailed instructions on this site for more information. If you are ing this to your FRB contact, put your institution name, city and state in the subject line of the . Note: To satisfy the FR Y-10 reporting requirements, you must also submit FR Y-10 Domestic Branch Schedules for each branch with a Data Action of Change, Close, Delete, or Add. The FR Y-10 report may be submitted in a hardcopy format or via the FR Y-10 Online application - * FDIC UNINUM, Office Number, and ID_RSSD columns are for reference only. Verification of these values is not required. Data Action Effective Date Branch Service Type Branch ID_RSSD* Popular Name Street Address City State Zip Code County Country FDIC UNINUM* Office Number* Head Office Head Office ID_RSSD* Comments OK Full Service (Head Office) CITIZENS NATIONAL BANK OF TEXAS 200 N ELM ST WAXAHACHIE TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS Change 3/13/2017 Full Service BURLESON BRANCH 1651 SW Wilshire Blvd BURLESON TX JOHNSON UNITED STATES Not Required Not Required CITIZENS NATIONAL BANK OF TEXAS OK Full Service CEDAR HILL BRANCH 106 WEST FM 1382 CEDAR HILL TX DALLAS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service ENNIS BRANCH 500 EAST ENNIS STREET ENNIS TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service ITALY BRANCH 124 EAST MAIN STREET ITALY TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service TH STREET BRANCH 310 N NINTH ST MIDLOTHIAN TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service MIDLOTHIAN 287 BRANCH 1021 EAST HIGHWAY 287 MIDLOTHIAN TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service RED OAK BRANCH 102 HARRIS AVE RED OAK TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service STEPHENVILLE BRANCH 2207 WEST WASHINGTON ST STEPHENVILLE TX ERATH UNITED STATES Not Required Not Required CITIZENS NATIONAL BANK OF TEXAS OK Full Service UPTOWN BRANCH 1001 NORTH HIGHWAY 77 WAXAHACHIE TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service WAXAHACHIE HEB BRANCH 800 DALLAS HIGHWAY WAXAHACHIE TX ELLIS UNITED STATES CITIZENS NATIONAL BANK OF TEXAS OK Full Service WEATHERFORD BRANCH 800 SANTA FE DRIVE WEATHERFORD TX PARKER UNITED STATES Not Required Not Required CITIZENS NATIONAL BANK OF TEXAS

15 AMENDED Form FR Y-6 First Citizens Bancshares, Inc Waxahachie, TX Fiscal Year Ending December 31, 2016 Report Item 3: Securities Holders Current Securities Holders with ownership, control or holdings of 5% or more with power to vote as of fiscal year ending Securities Holders not listed in 3(1)(a) through (3)(1)(c) that had ownership, control or holdings of 5% or more with power to vote during the fiscal year ending (1)(a) (1)(b) (1)(c) (2)(a) (2)(b) (2)(c) Name & Address (City, State, Country) Country of Citizenship or Incorporation Number and Percentage of Each Class of Voting Securities Name & Address (City, State, Country) Country of Citizenship or Incorporation Number and Percentage of Each Class of Voting Securities Marvin E. Singleton, III (1) Jeannette Singleton Cloyd (Houston, TX (2) (3) Elizabeth Getzendaner Cunliffe (Waxahachie, TX (4)(5) William H. Getzendaner, Jr. ( Midlothian, TX (5)(6) USA 31.55% (2691) N/A USA 24.81% ( ) USA 13.09% (1117) USA 12.12% ( ) The George H. Singleton and Shirley K. Singleton 2007 Irrevocable Trust (1) The Helen G. Read Living Trust (Midlothian, TX (4)(6) USA 9.97% (850) USA 7.03% (600) Item 3

16 (1) Includes 5.09% held by Mr. Singleton individually, 9.97% held by the George H. Singleton and Shirley K. Singleton 2007 Irrevocable Trust, for which Mr. Singleton is sole trustee, 7.47% held by the George H. & Shirley K. Singleton 2011 Irrevocable Trust, for which Mr. Singleton is sole trustee, 4.26% held by the George H. Singleton Trust U/W Marvin Singleton Jr., for which Mr. Singleton is sole trustee, 1.50% held by the George H. Singleton Trust U/W Gertrude Singleton, for which Mr. Singleton is sole trustee, 1.50% held by the Estate of George H. Singleton, for which Mr. Singleton is executor, 0.73% held by BMO Harris NA Trustee of the CNB of Texas Savings Plan FBO Marvin E. Singleton and 1.03% held by the Singleton Grandchildrens' Trust, for which Mr. Singleton is sole trustee. (2) Includes 15.24% held by Mrs. Cloyd individually, 4.26% held by the Jeannette S. Cloyd Trust U/W Marvin Singleton Jr., for which Mrs. Cloyd is co-trustee, 4.26% held by the Annis S. Buell Trust U/W Marvin Singleton Jr., for which Mrs. Cloyd is co-trustee, 0.23% held by Marshall P. Cloyd, Mrs. Cloyd's spouse, 0.57% held by Trudi Cloyd, Mrs. Cloyd's child, 0.12% held by Catherine Cloyd, Mrs. Cloyd's child, and 0.12% held by Marshall D. Cloyd, Mrs. Cloyd's child. (3) Mrs. Cloyd and Mrs. Buell are siblings. (4) Includes 2.34% held by Mrs. Cunliffe individually, 7.03% held by the Helen G. Read Trust, for which Mrs. Cunliffe is co-trustee, 2.54% held by the Getzendaner Trust, for which Mrs. Cunliffe is sole trustee, 0.59% held by Frances A. Badgett, Mrs. Cunliffe's child, and 0.59% held by Russel P. Badgett, Mrs. Cunliffe's child. (5) Mrs. Cunliffe and Mr. Getzendaner are siblings. (6) Includes 3.32% held by Mr. Getzendaner individually, 7.03% held by the Helen G. Read Trust, for which Mr. Getzendaner is co-trustee, 0.59% held by William H. Getzendaner, III, Mr. Getzendaner's child, 0.59% held by Jonathan Blake Getzendaner, Mr. Getzendaner's child, and 0.59% held by Katherine Getzendaner, Mr. Getzendaner's child, Item 3

17 AMENDED Form FR Y-6 First Citizens Bancshares, Inc Waxahachie, TX Fiscal Year Ending December 31, 2016 Report Item 4: Insiders (1)(a)(b)(c) and (2)(a)(b)(c) (1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c) Names & Address (City, State, Country) Austin Blankenbeckler S.F. Chapman Principal Occupation if other than with holding company Car Dealership Owner/Manager Attorney, Chapman and Chapman (Partner) Title & Position with holding company First Citizens Bancshares, Inc. Director Director/Secretary Title & Position with Subsidiaries (include names of subsidiaries) Citizens National Bank of Texas Director Director/Secretary Title & Position with Other Businesses (include names of other businesses) Owner - Blankenbeckler Insurance, Owner - Waloope Reinsurance, Partner - Blankenbeckler Properties Partner - Chapman and Chapman Percentage of Voting Securities in holding company First Citizens Bancshares, Inc. Percentage of Voting Securities in Subsidiaries (include names of subsidiaries) Citizens National Bank of Texas 0.12% 0.00% 2.81% 0.00% List names of other companies (includes partnerships) if 25% or more of voting securities are held (List names of companies and percentage of voting securities held) 80%- Blankenbeckler Insurance, 90% - Waloope Reinsurance, 25% - Blankenbeckler Properties 100% Chapman and Chapman Item 4

18 AMENDED Jeannette Singleton Cloyd (Houston, TX (1) Dr. Yomi Fayiga (Frisco, TX Brian Ford Patti Pearman Junkin (Waxahachie, TX J. Michael Lee Lindsey Manwarren (Midlothian, TX N/A Medical Surgeon for Baylor Hospital Systems N/A Oil Jobber/Owner of Pearman Oil & Gas N/A N/A Chairman of the Board Chairman of the Board President - IMI Marine Operations, Partner in Rendezvous Partners and Singleton Family Partners, Secretary - Waxahachie Development, Secretary/Treasurer - Inter-Marein Corp, Director for Cable Electronics 24.81% 0.00% N/A Director Director N/A 0.12% 0.00% N/A Director/Vice President Director Director Director/Vice President Executive Vice President Director Director/Executive Vice President - CNB, Director - CNB of Texas Land and Title, Manager - OREO Holdings, LLC SVP/Cashier/CFO- CNB, Director- CNB of Texas Land and Title, Manager- OREO Holdings, LLC N/A 0.00% 0.00% N/A President - Pearman Oil 0.12% 0.00% 31.30% Pearman Oil and 33.30% Pearman Lubricants N/A 0.15% 0.00% N/A N/A 0.00% 0.00% N/A Item 4

19 AMENDED Pat Merrill Daniel Gene O'Donnell Jim Odom James R. Pitts W.R. (Bob) Seeds (Midlothian, TX Marvin E. Singleton, III (2) Retired from US Navy, Res Capt Medical Equipment Director/Asst Secretary Director/Asst Secretary N/A 0.12% 0.00% N/A CPA/Retired Director Director N/A 0.12% 0.00% N/A N/A Director Director N/A 0.59% 0.00% N/A Attorney, James R. Pitts, Owner of Ellis Co, Abstract and Title Owns and Operates Seeds Financial N/A Director Director N/A 0.12% 0.00% Director Director/President Director President - Seeds Financial Councilman/Mayor Pro Tem - City of Waxahachie, President - Stark Development, Board Member - IBAT, Director/President/C Manager - Singleton EO-CNB, Director - Ranch, LL and CNB of Texas Land Singleton Family and Title, Manager Partnership, Town Square Title, Partner - Matagorda LLC Coast Partners, President- Waxahachie Development Corp, Manager- Town Square Title Co, LLC 0.12% 0.00% 31.55% 0.00% 70% Ellis Co Abstract and Title 100% Seeds Financial 50% Waxahachie Development, 100% Stark Development, 100% Singleton Family Partnership Item 4

20 AMENDED Cindy Smith John C Wray Elizabeth Getzendaner Cunliffe (4)(5) William H. Getzendaner, Jr. ( Midlothian, TX (5)(6) N/A Attorney, Wray, Willett and Stoffer, State Representative Investor Self Employed Director/Vice President Director Principal Securities Holder Principal Securities Holder Executive Vice President Director - CNB, Manager - Town Square Title LLC N/A 0.00% 0.00% N/A President - Wray, Willett & Stoffer, PLLC, Manager and 20% Owner - Town Square Title Co, LLC, President - FM 1446, LLC, 101 South College Street, LLC, Silent W Investments, LLC, Chautaugua House Management, LLC and Halijon Energy Holdings, LLC, Limited Partner - Morgan Wray Partners Ltd 0.29% 20% Owner in Town Square Title, listed in Item 4 Line 3 ( c) N/A N/A 13.09% 0.00% N/A N/A N/A 12.12% 0.00% N/A N/A Item 4

21 (1) Includes 15.24% held by Mrs. Cloyd individually, 4.26% held by the Jeannette S. Cloyd Trust U/W Marvin Singleton Jr., for which Mrs. Cloyd is co-trustee, 4.26% held by the Annis S. Buell Trust U/W Marvin Singleton Jr., for which Mrs. Cloyd is co-trustee, 0.23% held by Marshall P. Cloyd, Mrs. Cloyd's spouse, 0.57% held by Trudi Cloyd, Mrs. Cloyd's child, 0.12% held by Catherine Cloyd, Mrs. Cloyd's child, and 0.12% held by Marshall D. Cloyd, Mrs. Cloyd's child. (2) Includes 5.09% held by Mr. Singleton individually, 9.97% held by the George H. Singleton and Shirley K. Singleton 2007 Irrevocable Trust, for which Mr. Singleton is sole trustee, 7.47% held by the George H. & Shirley K. Singleton 2011 Irrevocable Trust, for which Mr. Singleton is sole trustee, 4.26% held by the George H. Singleton Trust U/W Marvin Singleton Jr., for which Mr. Singleton is sole trustee, 1.50% held by the George H. Singleton Trust U/W Gertrude Singleton, for which Mr. Singleton is sole trustee, 1.50% held by the Estate of George H. Singleton, for which Mr. Singleton is executor, 0.73% held by BMO Harris NA Trustee of the CNB of Texas Savings Plan FBO Marvin E. Singleton and 1.03% held by the Singleton Grandchildrens' Trust, for which Mr. Singleton is sole trustee. (4) Includes 2.34% held by Mrs. Cunliffe individually, 7.03% held by the Helen G. Read Trust, for which Mrs. Cunliffe is co-trustee, 2.54% held by the Getzendaner Trust, for which Mrs. Cunliffe is sole trustee, 0.59% held by Frances A. Badgett, Mrs. Cunliffe's child, and 0.59% held by Russel P. Badgett, Mrs. Cunliffe's child. (5) Mrs. Cunliffe and Mr. Getzendaner are siblings. (6) Includes 3.32% held by Mr. Getzendaner individually, 7.03% held by the Helen G. Read Trust, for which Mr. Getzendaner is co-trustee, 0.59% held by William H. Getzendaner, III, Mr. Getzendaner's child, 0.59% held by Jonathan Blake Getzendaner, Mr. Getzendaner's child, and 0.59% held by Katherine Getzendaner, Mr. Getzendaner's child, Item 4