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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549
   FORM 10-K/A (Amendment No. 1)
 FOR ANNUAL AND TRANSITION REPORTS
PURSUANT TO SECTIONS 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 (Mark One) þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2004 o
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the transition period from _______________________ to ________________________ Commission file number 0-27393 CIVITAS BANKGROUP, INC.  Tennessee
    
    62-1297760(State or other jurisdiction
    
    (I.R.S. Employer Identification Number)of incorporation or organization)
 4 Corporate Centre810 Crescent Centre Dr, Ste 320Franklin, Tennessee
    
    37067(Address of principal executive offices)
    
    (Zip Code)
 Registrants telephone number, including area code:
(615) 263-9500 Securities registered pursuant to Section 12(b) of the Act: None Securities registered pursuant to Section 12(g) of the Act: Common Stock, $0.50 par value per share
(Title of class) Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days. Yes x      No o Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is
not contained herein, and will not be contained, to the best of the registrants knowledge, in
definitive proxy or information statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K. o Indicate by check mark whether the registrant is an accelerated filer (as defined in Exchange Act
Rule 12b-2). Yes x       No o




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The aggregate market value of the Registrants voting equity held by non-affiliates of the
registrant on June 30, 2004 was $108,637,470. The market value calculation was determined using the
closing price of $8.71 for the registrants common stock on June 30, 2004, as reported on the
NASDAQ over-the-counter bulletin board. As of February 28, 2005, 17,593,604 shares of the registrants Common Stock were outstanding. 2




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TABLE OF CONTENTS  DOCUMENTS INCORPORATED BY REFERENCEEXPLANATORY NOTEREPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRMSIGNATURESINDEX TO EXHIBITSEX-23.2 CONSENT OF CROWE CHIZEK AND COMPANY LLCEX-31.3 SECTION 302 CERTIFICATION OF THE CEOEX-31.4 SECTION 302 CERTIFICATION OF THE CFO    Table of Contents  
 DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrants definitive proxy statement for its Annual Meeting of Shareholders to
be held on May 19, 2005 are incorporated by reference into Part III of this Amendment No. 1 to
Annual Report on Form 10-K. 3




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EXPLANATORY NOTE Civitas BankGroup, Inc. (the Company) is filing this Amendment No. 1 to Form 10-K to amend its
Form 10-K for the year ended December 31, 2004, filed with the Securities and Exchange Commission
on March 31, 2005 (Original Filing) in accordance with the Commissions Exemptive Order #
34-50754, to:  
    amend and restate Item 9A to include a report of management and the Companys
independent registered public accounting firm on our internal control over financial
reporting, and
    to include a revised Consent of Independent Registered Public Accounting Firm
required as a result of the revisions discussed above. As a result of these amendments, the Company is also filing as exhibits to this Amendment No. 1 to
Form 10-K the certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. Because no
financial statements are contained within this Amendment No. 1 to Form 10-K the Company is not
including certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. Except for the amendments described above, this Amendment No. 1 to Form 10-K does not modify or
update other disclosures in, or exhibits to, the Original Filing. Item 9A.Controls and Procedures Evaluation of Disclosure Controls and Procedures The Company maintains disclosure controls and procedures, as defined in Rule13a-15(e) promulgated
under the Securities Exchange Act of 1934 (the Exchange Act) that are designed to insure that
information required to be disclosed by it in the reports that it files or submits under the
Exchange Act is recorded, processed, summarized and reported within the time periods specified
under the SECs rules and forms and that such information is accumulated and communicated to the
Companys management, including its Chief Executive Officer and Chief Financial Officer, as
appropriate, to allow timely decision making regarding required disclosure. The Company, under the
supervision and participation of its management, including the Companys Chief Executive Officer
and the Chief Financial Officer, carried out an evaluation of the effectiveness of the design and
operation of the Companys disclosure controls and procedures as of the end of the period covered
by this report pursuant to the Exchange Act. Based upon that evaluation, the Chief Executive
Officer and the Chief Financial Officer concluded that the Companys disclosure controls and
procedures were effective. Managements Report
on Internal Controls over Financial Reporting The management of Civitas BankGroup, Inc. is responsible for establishing and maintaining adequate
internal control over financial reporting as defined in Rule 13a-15(f) under the Exchange Act. Our
internal control over financial reporting is a process designed to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of financial statements for
external purposes in accordance with accounting principles generally accepted in the United States
of America. Because of its inherent limitations, internal control over financial reporting may not
prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future
periods are subject to the risk that controls may become inadequate because of changes in
conditions, or that the degree of compliance with the policies or procedures may deteriorate. Civitas BankGroup, Inc.s management assessed the effectiveness of Civitas BankGroup, Inc.s
internal control over financial reporting as of December 31, 2004. In making the assessment, it
used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission
(COSO) in Internal ControlIntegrated Framework. Based on that assessment, management concluded
that, as of December 31, 2004, Civitas BankGroup, Inc.s internal control over financial reporting
was effective based on those criteria. Civitas BankGroup, Inc.s independent registered public accounting firm has issued an audit report
on Civitas BankGroup, Inc.s managements assessment of the companys internal control over
financial reporting, as stated in their report, which is included herein. Changes in Internal Control over Financial Reporting 4




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In connection with managements evaluation of the effectiveness of the Companys internal control
over financial reporting and the related documentation and testing of the Companys internal
controls, the Company has made several changes that materially affected or are reasonably likely to
materially affect its internal control over financial reporting, including the following:  
    implementing written policies and procedures for the preparation of the Companys financial statements;
    implementing senior management level review of outstanding loan documentation exceptions;
    modifying loan participation procedures to improve recognition of delinquencies;
    establishing dual control over incentive pay and initiating monthly reconciliation of payroll;
    strengthening and tightening controls, access and authorizations in the wire transfer,
general ledger and cashier check areas;
    establishing dollar thresholds for investment securities transactions; and
    improving deposit account documentation procedures including the monitoring of employee,
officer and director accounts. Report of Independent Registered Public Accounting Firm 
 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM The Board of Directors
Civitas BankGroup, Inc
Franklin, Tennessee We have audited
managements assessment, included in the accompanying
Managements Report on Internal Controls over Financial Reporting, that
Civitas BankGroup, Inc. maintained effective internal control over financial reporting as of
December 31, 2004, based on Internal ControlIntegrated Framework issued by the Committee of
Sponsoring Organizations of the Treadway Commission (COSO). Civitas BankGroup, Incs management is
responsible for maintaining effective internal control over financial reporting and for its
assessment of the effectiveness of internal control over financial reporting. Our responsibility
is to express an opinion on managements assessment and an opinion on the effectiveness of the
companys internal control over financial reporting based on our audit. We conducted our audit in accordance with the standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether effective internal control over financial reporting was
maintained in all material respects. Our audit included obtaining an understanding of internal
control over financial reporting, evaluating managements assessment, testing and evaluating the
design and operating effectiveness of internal control, and performing such other procedures as we
considered necessary in the circumstances. We believe that our audit provides a reasonable basis
for our opinion. A companys internal control over financial reporting is a process designed to provide reasonable
assurance regarding the reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted accounting principles. A
companys internal control over financial reporting includes those policies and procedures that (1)
pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the
transactions and dispositions of the assets of the company; (2) provide reasonable assurance that
transactions are recorded as necessary to permit preparation of financial statements in accordance
with generally accepted accounting principles, and that receipts and expenditures of the company
are being made only in accordance with authorizations of management and directors of the company;
and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized
acquisition, use, or disposition of the companys assets that could have a material effect on the
financial statements. Because of its inherent limitations, internal control over financial reporting may not prevent or
detect misstatements. Also, projections of any evaluation of effectiveness to future periods are
subject to the risk that controls may become inadequate because of changes in conditions, or that
the degree of compliance with the policies or procedures may deteriorate. In our opinion, managements assessment that Civitas BankGroup, Inc. maintained effective internal
control over financial reporting as of December 31, 2004, is fairly stated, in all material
respects, based on Internal ControlIntegrated Framework issued by the Committee of Sponsoring
Organizations of the Treadway Commission (COSO). Also in our opinion, Civitas BankGroup, Inc. 5




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maintained, in all material respects, effective internal control over financial reporting as of
December 31, 2004, based on Internal ControlIntegrated Framework issued by the Committee of
Sponsoring Organizations of the Treadway Commission (COSO). We have also audited, in accordance with the standards of the Public Company Accounting Oversight
Board (United States), the consolidated balance sheets of Civitas BankGroup, Inc. as of December
31, 2004 and 2003, and the related consolidated statements of income, changes in shareholders
equity, and cash flows for each of the three years in the period ended December 31, 2004, and our
report dated March 16, 2005, expressed an unqualified opinion on those consolidated financial
statements. /s/ Crowe Chizek and Company LLC Brentwood, Tennessee
April 26, 2005 Item 15.Exhibits and Financial Statement Schedules (a) Exhibits. See Index to Exhibits. 6




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SIGNATURES Pursuant to the requirements of section 13 or 15(d) of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized. CIVITAS BANKGROUP, INC.By:
    /s/  Richard HerringtonRichard HerringtonPresident Date: April 29, 2005 7




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INDEX TO EXHIBITS 2.1
    
    
    Plan of Tax-Free Reorganization under Section 355 of the Internal Revenue Code and Agreement
by and between the Company and the Acquirors identified therein, dated November 24, 2004
(incorporated herein by reference to the Companys Current Report on Form 8-K filed with the
SEC on December 1, 2004). (pursuant to Item 601(b) (2) of Regulation S-K, the schedules of
this agreement are omitted, but will be provided supplementary to the SEC upon request).3.1
    
    
    Restated Charter of the Company (Restated for SEC electronic filing purpose only and
incorporated herein by reference to the Companys registration statement on Form S-3
(Registration No. 333-117041) filed with the SEC on June 30, 2004).3.2
    
    
    Amended and Restated Bylaws of the Company (Restated for SEC electronic filing purpose only
and incorporated herein by reference to the Companys registration statement on Form S-3
(Registration No. 333-117041) filed with the SEC on June 30, 2004).10.1
    
    
    Civitas BankGroup, Incorporated 1998 Stock Option Plan (incorporated herein by reference to
the Companys Registration Statements on Form S-8 (Registration No 333-105425 filed with the
SEC on May 20, 2003).*10.2
    
    
    Civitas BankGroup, Inc. Employee Stock Purchase Plan (incorporated herein by reference to the
Companys Registration Statement on Form S-8 (Registration No. 333-105424 filed with the SEC
on May 20, 2003).*10.3
    
    
    Form of Non-Qualified Stock Option Agreement (incorporated herein by reference to the
Companys Quarterly Report on Form 10-Q filed with the SEC on November 15, 2004).*10.4
    
    
    Form of Incentive Stock Option Agreement (incorporated herein by reference to the Companys
Quarterly Report on Form 10-Q filed with the SEC on November 15, 2004).*10.5
    
    
    Loan Agreement dated December 13, 2004 by and between the Company and First Tennessee Bank,
National Association (incorporated herein by reference to the Companys Current Report on Form
8-K filed with the SEC on December 17, 2004).10.6
    
    
    Loan Agreement dated December 13, 2004 by and between the Company and First Tennessee Bank,
National Association (incorporated herein by reference to the Companys Current Report on Form
8-K filed with the SEC on December 17, 2004).21.1
    
    
    Subsidiaries of the Company (incorporated herein by reference to the Companys Annual Report
on Form 10-K for the fiscal year ended December 31, 2004).23.1
    
    
    Consent of Crowe Chizek and Company LLC (incorporated herein by reference to the Companys
Annual Report on Form 10-K for the fiscal year ended December 31, 2004).23.2
    
    
    Consent of Crowe Chizek and Company LLC (Filed herewith).31.1
    
    
    Certification of the Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 (incorporated herein by reference to the Companys Annual Report on Form 10-K for
the fiscal year ended December 31, 2004).31.2
    
    
    Certification of the Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 (incorporated herein by reference to the Companys Annual Report on Form 10-K for
the fiscal year ended December 31, 2004).31.3
    
    
    Certification of the Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 (Filed herewith).31.4
    
    
    Certification of the Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 (Filed herewith).32.1
    
    
    Certification of the Chief Executive Officer and Chief Financial Officer Pursuant to Section
906 of the Sarbanes-Oxley Act of 2002 (incorporated herein by reference to the Companys
Annual Report on Form 10-K for the fiscal year ended December 31, 2004).
   *
    
    Management compensatory plan or contract 8