Call reports 2015
CIVISTA BANK — 2015
What CIVISTA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,404,804,000 | 1,314,868,000 | 1,310,874,000 | 1,312,329,000 |
| Total loans | 987,024,000 | 1,006,951,000 | 1,001,498,000 | 1,004,225,000 |
| Allowance for loan losses | 14,315,000 | 14,707,000 | 14,760,000 | 14,361,000 |
| Securities available for sale | 199,121,000 | 196,859,000 | 198,067,000 | 195,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,263,000 | 1,671,000 | 2,379,000 | 1,962,000 |
| Total deposits | 1,208,144,000 | 1,085,246,000 | 1,064,538,000 | 1,059,720,000 |
| Interest-bearing deposits | 808,625,000 | 779,044,000 | 759,096,000 | 751,419,000 |
| Noninterest-bearing deposits | 399,519,000 | 306,202,000 | 305,443,000 | 308,301,000 |
| Equity capital | 124,182,000 | 126,271,000 | 130,537,000 | 133,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,758,000 | 24,498,000 | 37,720,000 | 50,696,000 |
| Interest expense | 668,000 | 1,299,000 | 1,929,000 | 2,549,000 |
| Net interest income | 11,090,000 | 23,199,000 | 35,791,000 | 48,147,000 |
| Noninterest income | 4,404,000 | 8,045,000 | 11,123,000 | 14,267,000 |
| Noninterest expense | 10,078,000 | 20,487,000 | 30,655,000 | 40,784,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,200,000 | 1,200,000 |
| Pretax income | 5,016,000 | 9,957,000 | 15,054,000 | 20,412,000 |
| Income tax | 1,366,000 | 2,706,000 | 4,098,000 | 5,734,000 |
| Net income | 3,650,000 | 7,251,000 | 10,956,000 | 14,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,816,000 | 107,291,000 | 110,746,000 | 113,883,000 |
| Total capital | 116,959,000 | 120,592,000 | 124,001,000 | 127,137,000 |
| Risk-weighted assets | 1,020,406,000 | 1,033,105,000 | 1,029,052,000 | 1,029,109,000 |