Call reports 2014
CIVISTA BANK — 2014
What CIVISTA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,247,793,000 | 1,183,605,000 | 1,178,242,000 | 1,211,212,000 |
| Total loans | 857,913,000 | 870,146,000 | 888,418,000 | 917,267,000 |
| Allowance for loan losses | 16,767,000 | 15,395,000 | 15,445,000 | 14,268,000 |
| Securities available for sale | 203,516,000 | 197,173,000 | 200,357,000 | 197,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 656,000 | 1,148,000 | 1,078,000 | 1,721,000 |
| Total deposits | 1,052,876,000 | 991,700,000 | 993,059,000 | 982,763,000 |
| Interest-bearing deposits | 738,069,000 | 720,437,000 | 727,480,000 | 718,217,000 |
| Noninterest-bearing deposits | 314,807,000 | 271,263,000 | 265,579,000 | 264,546,000 |
| Equity capital | 115,437,000 | 115,654,000 | 116,724,000 | 117,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,315,000 | 22,680,000 | 34,346,000 | 45,970,000 |
| Interest expense | 945,000 | 1,849,000 | 2,642,000 | 3,327,000 |
| Net interest income | 10,370,000 | 20,831,000 | 31,704,000 | 42,643,000 |
| Noninterest income | 4,654,000 | 7,967,000 | 11,019,000 | 13,747,000 |
| Noninterest expense | 9,690,000 | 19,375,000 | 29,468,000 | 40,003,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Pretax income | 4,588,000 | 8,035,000 | 11,869,000 | 15,000,000 |
| Income tax | 1,233,000 | 2,089,000 | 3,090,000 | 3,920,000 |
| Net income | 3,355,000 | 5,946,000 | 8,779,000 | 11,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,306,000 | 98,763,000 | 99,842,000 | 100,259,000 |
| Total capital | 108,883,000 | 109,417,000 | 110,687,000 | 111,470,000 |
| Risk-weighted assets | 839,953,000 | 847,549,000 | 863,025,000 | 893,862,000 |