Call reports 2003
CIVISTA BANK — 2003
What CIVISTA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 517,628,000 | 506,453,000 | 499,926,000 | 498,062,000 |
| Total loans | 320,623,000 | 332,934,000 | 335,861,000 | 336,427,000 |
| Allowance for loan losses | 4,099,000 | 4,050,000 | 3,897,000 | 3,941,000 |
| Securities available for sale | 120,581,000 | 117,001,000 | 101,654,000 | 93,938,000 |
| Securities held to maturity | 40,000 | 30,000 | 22,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,518,000 | 420,653,000 | 419,654,000 | 405,863,000 |
| Interest-bearing deposits | 369,362,000 | 351,733,000 | 353,452,000 | 338,088,000 |
| Noninterest-bearing deposits | 72,156,000 | 68,920,000 | 66,202,000 | 67,775,000 |
| Equity capital | 59,196,000 | 59,346,000 | 58,460,000 | 58,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,339,000 | 12,556,000 | 18,382,000 | 24,033,000 |
| Interest expense | 1,533,000 | 2,852,000 | 4,035,000 | 5,155,000 |
| Net interest income | 4,806,000 | 9,704,000 | 14,347,000 | 18,878,000 |
| Noninterest income | 1,286,000 | 2,614,000 | 3,799,000 | 5,111,000 |
| Noninterest expense | 3,714,000 | 7,509,000 | 11,208,000 | 15,275,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 300,000 |
| Pretax income | 2,667,000 | 5,101,000 | 7,149,000 | 8,715,000 |
| Income tax | 828,000 | 1,573,000 | 2,188,000 | 2,644,000 |
| Net income | 1,839,000 | 3,528,000 | 4,961,000 | 6,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,666,000 | 39,792,000 | 39,593,000 | 39,506,000 |
| Total capital | 43,797,000 | 43,842,000 | 43,527,000 | 43,488,000 |
| Risk-weighted assets | 328,603,000 | 333,875,000 | 335,221,000 | 334,010,000 |