Call reports 2009
CIVISTA BANK — 2009
What CIVISTA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,119,692,000 | 1,097,779,000 | 1,102,129,000 | 1,099,927,000 |
| Total loans | 793,169,000 | 785,002,000 | 791,457,000 | 790,818,000 |
| Allowance for loan losses | 10,335,000 | 12,224,000 | 14,049,000 | 15,271,000 |
| Securities available for sale | 179,666,000 | 177,970,000 | 201,633,000 | 206,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 891,819,000 | 880,011,000 | 863,594,000 | 868,343,000 |
| Interest-bearing deposits | 761,852,000 | 749,152,000 | 724,912,000 | 715,393,000 |
| Noninterest-bearing deposits | 129,967,000 | 130,859,000 | 138,682,000 | 152,950,000 |
| Equity capital | 108,499,000 | 109,637,000 | 107,162,000 | 105,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,206,000 | 27,871,000 | 41,510,000 | 55,183,000 |
| Interest expense | 3,863,000 | 7,386,000 | 10,636,000 | 13,516,000 |
| Net interest income | 10,343,000 | 20,485,000 | 30,874,000 | 41,667,000 |
| Noninterest income | 2,332,000 | 4,648,000 | 6,922,000 | 9,435,000 |
| Noninterest expense | 8,475,000 | 17,179,000 | 25,007,000 | 32,417,000 |
| Provision for loan losses | 2,102,000 | 4,764,000 | 8,216,000 | 13,298,000 |
| Pretax income | 2,099,000 | 3,243,000 | 4,645,000 | 5,462,000 |
| Income tax | 505,000 | 667,000 | 912,000 | 944,000 |
| Net income | 1,453,000 | 2,292,000 | 3,304,000 | 3,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,243,000 | 91,017,000 | 87,439,000 | 88,191,000 |
| Total capital | 99,192,000 | 100,881,000 | 97,402,000 | 98,156,000 |
| Risk-weighted assets | 795,557,000 | 786,729,000 | 792,959,000 | 791,923,000 |
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