Call reports 2005
CIVISTA BANK — 2005
What CIVISTA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 487,094,000 | 483,376,000 | 484,949,000 | 736,107,000 |
| Total loans | 353,716,000 | 344,732,000 | 335,522,000 | 511,995,000 |
| Allowance for loan losses | 4,302,000 | 4,271,000 | 4,096,000 | 9,149,000 |
| Securities available for sale | 70,878,000 | 70,758,000 | 69,443,000 | 125,645,000 |
| Securities held to maturity | 10,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,589,000 | 377,520,000 | 375,372,000 | 592,554,000 |
| Interest-bearing deposits | 319,225,000 | 308,491,000 | 301,939,000 | 478,791,000 |
| Noninterest-bearing deposits | 63,364,000 | 69,029,000 | 73,433,000 | 113,763,000 |
| Equity capital | 57,211,000 | 58,917,000 | 58,723,000 | 91,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,042,000 | 12,454,000 | 19,028,000 | 41,694,000 |
| Interest expense | 1,373,000 | 2,859,000 | 4,479,000 | 9,791,000 |
| Net interest income | 4,669,000 | 9,595,000 | 14,549,000 | 31,903,000 |
| Noninterest income | 1,241,000 | 2,557,000 | 3,965,000 | 7,417,000 |
| Noninterest expense | 3,521,000 | 7,289,000 | 11,292,000 | 24,763,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 1,080,000 |
| Pretax income | 2,198,000 | 4,480,000 | 6,662,000 | 13,464,000 |
| Income tax | 699,000 | 1,425,000 | 2,118,000 | 4,273,000 |
| Net income | 1,499,000 | 3,055,000 | 4,544,000 | 9,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,593,000 | 42,134,000 | 41,296,000 | 59,766,000 |
| Total capital | 44,895,000 | 46,405,000 | 45,392,000 | 66,206,000 |
| Risk-weighted assets | 352,223,000 | 344,686,000 | 339,682,000 | 512,461,000 |