Call reports 2002
CIVISTA BANK — 2002
What CIVISTA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 299,780,000 | 456,375,000 | 475,675,000 | 471,014,000 |
| Total loans | 201,031,000 | 294,367,000 | 292,457,000 | 290,658,000 |
| Allowance for loan losses | 2,453,000 | 3,850,000 | 3,771,000 | 3,763,000 |
| Securities available for sale | 61,366,000 | 80,512,000 | 104,305,000 | 118,138,000 |
| Securities held to maturity | 126,000 | 124,000 | 122,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,208,000 | 390,746,000 | 398,964,000 | 389,857,000 |
| Interest-bearing deposits | 220,034,000 | 338,372,000 | 343,428,000 | 332,434,000 |
| Noninterest-bearing deposits | 40,174,000 | 52,374,000 | 55,536,000 | 57,423,000 |
| Equity capital | 24,419,000 | 51,866,000 | 52,964,000 | 53,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,405,000 | 10,595,000 | 17,021,000 | 23,127,000 |
| Interest expense | 1,484,000 | 3,459,000 | 5,378,000 | 6,990,000 |
| Net interest income | 2,921,000 | 7,136,000 | 11,643,000 | 16,137,000 |
| Noninterest income | 760,000 | 1,816,000 | 3,000,000 | 4,184,000 |
| Noninterest expense | 2,293,000 | 5,607,000 | 8,920,000 | 12,396,000 |
| Provision for loan losses | 35,000 | 35,000 | 165,000 | 165,000 |
| Pretax income | 1,353,000 | 3,312,000 | 5,562,000 | 7,767,000 |
| Income tax | 401,000 | 1,008,000 | 1,681,000 | 2,354,000 |
| Net income | 952,000 | 2,304,000 | 3,881,000 | 5,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,859,000 | 32,783,000 | 33,493,000 | 33,854,000 |
| Total capital | 25,196,000 | 36,381,000 | 37,150,000 | 37,527,000 |
| Risk-weighted assets | 186,810,000 | 285,768,000 | 289,964,000 | 292,253,000 |