Call reports 2016
CIVISTA BANK — 2016
What CIVISTA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,505,604,000 | 1,358,611,000 | 1,370,897,000 | 1,375,455,000 |
| Total loans | 1,007,996,000 | 1,034,089,000 | 1,049,794,000 | 1,057,774,000 |
| Allowance for loan losses | 14,433,000 | 14,547,000 | 13,451,000 | 13,305,000 |
| Securities available for sale | 201,197,000 | 200,043,000 | 200,253,000 | 195,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,958,000 | 3,757,000 | 3,705,000 | 1,839,000 |
| Total deposits | 1,287,436,000 | 1,122,091,000 | 1,139,839,000 | 1,126,066,000 |
| Interest-bearing deposits | 768,756,000 | 761,621,000 | 792,500,000 | 775,515,000 |
| Noninterest-bearing deposits | 518,680,000 | 360,470,000 | 347,339,000 | 350,551,000 |
| Equity capital | 139,954,000 | 146,325,000 | 149,261,000 | 149,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 13,046,000 | 26,785,000 | 40,154,000 | 53,561,000 |
| Interest expense | 605,000 | 1,186,000 | 1,809,000 | 2,424,000 |
| Net interest income | 12,441,000 | 25,599,000 | 38,345,000 | 51,137,000 |
| Noninterest income | 5,242,000 | 9,310,000 | 12,942,000 | 16,071,000 |
| Noninterest expense | 10,533,000 | 21,264,000 | 32,151,000 | 42,732,000 |
| Provision for loan losses | 0 | -1,300,000 | -1,300,000 | -1,300,000 |
| Pretax income | 7,145,000 | 14,946,000 | 20,456,000 | 25,795,000 |
| Income tax | 2,053,000 | 4,319,000 | 5,802,000 | 7,285,000 |
| Net income | 5,092,000 | 10,627,000 | 14,654,000 | 18,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,407,000 | 123,797,000 | 127,682,000 | 131,391,000 |
| Total capital | 132,094,000 | 137,688,000 | 141,703,000 | 145,270,000 |
| Risk-weighted assets | 1,048,718,000 | 1,064,812,000 | 1,081,283,000 | 1,091,680,000 |