Financial insights of CIVB

MyFinsight

Income Overview

Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars

Income Statement	2026-06-30	2026-03-31	2025-09-30	2025-06-30
Loans, including fees	49,887	49,230	48,718	49,972
Taxable securities	3,908	3,954	3,922	3,751
Tax-exempt securities	2,278	2,303	2,324	2,338
Deposits in other banks	474	322	276	210
Total interest and dividend income	56,547	55,809	55,240	56,271
Deposits	15,894	15,453	16,347	15,558
Federal home loan bank advances	843	1,353	3,070	4,611
Subordinated debentures	1,120	1,108	1,170	1,165
Other borrowings	97	72	108	123
Total interest expense	17,954	17,986	20,695	21,457
Net interest income	38,593	37,823	34,545	34,814
Provision for credit losses - loans and leases	1,251	-768	378	1,171
Provision for (recovery of) credit losses - off-balance sheet credit exposures	519	139	-178	-146
Net interest income after provision	36,823	38,452	34,345	33,789
Service charges	1,889	1,714	1,667	1,564
Net gain (loss) on equity securities	140	33	255	-74
Net gain on sale of loans and leases	1,501	1,605	1,450	841
Atm/interchange fees	1,555	1,386	1,435	1,418
Wealth management fees	1,459	1,433	1,402	1,325
Lease revenue and residual income	1,404	1,630	1,934	525
Bank owned life insurance	399	390	666	386
Swap fees	3	56	0	53
Other	657	1,184	824	551
Total noninterest income	9,007	9,431	9,633	6,589
Compensation expense	15,737	16,229	15,161	15,011
Net occupancy expense	1,583	1,623	1,466	1,419
Contracted data processing	582	730	559	536
Fdic assessment	420	423	627	689
State franchise tax	599	554	536	634
Professional services	1,221	1,585	1,225	1,798
Equipment expense	1,720	2,089	2,205	1,764
Atm/interchange expense	743	732	755	683
Marketing	542	478	391	289
Amortization of core deposit intangible assets	696	696	318	338
Software maintenance expense	1,235	1,475	1,480	1,294
Other operating expenses	3,575	3,259	3,604	3,027
Total noninterest expense	28,653	29,873	28,327	27,482
Income before taxes	17,177	18,010	15,651	12,896
Income tax expense	2,862	3,021	2,891	1,881
Net income	14,315	14,989	12,760	11,015

Basic EPS	0.69	0.72	0.68	0.71
Diluted EPS	0.69	0.72	0.68	0.71
Basic Average Shares	20,707,095	20,706,330	18,675,864	15,427,798

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$14,315KEPS$0.69Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$14,315KEPS$0.69Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars

Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars