Call reports 2008
CIVISTA BANK — 2008
What CIVISTA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,128,113,000 | 1,104,525,000 | 1,095,845,000 | 1,051,242,000 |
| Total loans | 803,890,000 | 803,772,000 | 794,197,000 | 796,631,000 |
| Allowance for loan losses | 7,928,000 | 7,658,000 | 8,492,000 | 8,862,000 |
| Securities available for sale | 146,949,000 | 147,770,000 | 147,843,000 | 150,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 852,250,000 | 806,097,000 | 779,614,000 | 817,374,000 |
| Interest-bearing deposits | 719,681,000 | 671,529,000 | 647,039,000 | 687,779,000 |
| Noninterest-bearing deposits | 132,569,000 | 134,568,000 | 132,575,000 | 129,595,000 |
| Equity capital | 156,973,000 | 149,937,000 | 150,857,000 | 107,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,266,000 | 32,048,000 | 47,462,000 | 62,194,000 |
| Interest expense | 5,816,000 | 10,601,000 | 14,906,000 | 19,085,000 |
| Net interest income | 10,450,000 | 21,447,000 | 32,556,000 | 43,109,000 |
| Noninterest income | 2,207,000 | 4,370,000 | 6,760,000 | 9,027,000 |
| Noninterest expense | 8,660,000 | 17,192,000 | 25,774,000 | 76,717,000 |
| Provision for loan losses | 1,006,000 | 3,490,000 | 5,694,000 | 7,388,000 |
| Pretax income | 3,173,000 | 5,324,000 | 8,041,000 | -31,776,000 |
| Income tax | 942,000 | 1,523,000 | 2,283,000 | 3,349,000 |
| Net income | 2,231,000 | 3,801,000 | 5,758,000 | -35,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,075,000 | 85,596,000 | 89,300,000 | 87,674,000 |
| Total capital | 99,003,000 | 93,254,000 | 97,792,000 | 96,536,000 |
| Risk-weighted assets | 787,411,000 | 783,802,000 | 774,574,000 | 775,884,000 |