Call reports 2004
CIVISTA BANK — 2004
What CIVISTA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 499,354,000 | 504,373,000 | 508,826,000 | 491,650,000 |
| Total loans | 338,091,000 | 351,537,000 | 356,040,000 | 354,676,000 |
| Allowance for loan losses | 4,090,000 | 3,918,000 | 4,094,000 | 4,162,000 |
| Securities available for sale | 87,576,000 | 76,770,000 | 74,593,000 | 72,894,000 |
| Securities held to maturity | 13,000 | 12,000 | 11,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,282,000 | 397,016,000 | 400,202,000 | 389,029,000 |
| Interest-bearing deposits | 331,228,000 | 330,295,000 | 319,438,000 | 318,279,000 |
| Noninterest-bearing deposits | 67,054,000 | 66,721,000 | 80,764,000 | 70,750,000 |
| Equity capital | 56,243,000 | 55,539,000 | 55,951,000 | 56,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,359,000 | 11,060,000 | 16,928,000 | 22,930,000 |
| Interest expense | 1,121,000 | 2,258,000 | 3,548,000 | 4,870,000 |
| Net interest income | 4,238,000 | 8,802,000 | 13,380,000 | 18,060,000 |
| Noninterest income | 1,086,000 | 2,245,000 | 3,459,000 | 4,696,000 |
| Noninterest expense | 3,598,000 | 7,064,000 | 10,615,000 | 14,145,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 1,650,000 | 3,727,000 | 5,788,000 | 7,995,000 |
| Income tax | 491,000 | 1,135,000 | 1,782,000 | 2,477,000 |
| Net income | 1,159,000 | 2,592,000 | 4,006,000 | 5,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,698,000 | 38,110,000 | 38,218,000 | 38,990,000 |
| Total capital | 41,788,000 | 42,028,000 | 42,312,000 | 43,152,000 |
| Risk-weighted assets | 337,660,000 | 351,141,000 | 357,472,000 | 353,093,000 |
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