Call reports 2007
CIVISTA BANK — 2007
What CIVISTA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 748,323,000 | 769,368,000 | 771,149,000 | 1,115,903,000 |
| Total loans | 566,263,000 | 586,579,000 | 588,276,000 | 793,707,000 |
| Allowance for loan losses | 8,176,000 | 8,158,000 | 6,513,000 | 7,374,000 |
| Securities available for sale | 103,942,000 | 102,665,000 | 104,123,000 | 143,870,000 |
| Securities held to maturity | 3,000 | 2,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,216,000 | 558,846,000 | 557,919,000 | 848,892,000 |
| Interest-bearing deposits | 474,903,000 | 459,355,000 | 464,730,000 | 701,896,000 |
| Noninterest-bearing deposits | 101,313,000 | 99,491,000 | 93,189,000 | 146,996,000 |
| Equity capital | 95,486,000 | 97,565,000 | 95,522,000 | 153,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,762,000 | 24,101,000 | 36,656,000 | 49,945,000 |
| Interest expense | 4,161,000 | 8,476,000 | 13,331,000 | 18,262,000 |
| Net interest income | 7,601,000 | 15,625,000 | 23,325,000 | 31,683,000 |
| Noninterest income | 1,683,000 | 3,388,000 | 5,133,000 | 6,967,000 |
| Noninterest expense | 5,888,000 | 11,718,000 | 17,531,000 | 23,336,000 |
| Provision for loan losses | 270,000 | 452,000 | 1,154,000 | 1,020,000 |
| Pretax income | 3,126,000 | 6,843,000 | 9,773,000 | 14,293,000 |
| Income tax | 964,000 | 2,134,000 | 3,038,000 | 4,484,000 |
| Net income | 2,162,000 | 4,709,000 | 6,735,000 | 9,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,166,000 | 68,114,000 | 65,886,000 | 88,501,000 |
| Total capital | 72,051,000 | 75,159,000 | 72,399,000 | 95,875,000 |
| Risk-weighted assets | 549,511,000 | 562,534,000 | 561,499,000 | 754,826,000 |