Financial insights of CIVB

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans, including fees	48,718	49,972
Taxable securities	3,922	3,751
Tax-exempt securities	2,324	2,338
Deposits in other banks	276	210
Total interest and dividend income	55,240	56,271
Deposits	16,347	15,558
Federal home loan bank advances	3,070	4,611
Subordinated debentures	1,170	1,165
Other borrowings	108	123
Total interest expense	20,695	21,457
Net interest income	34,545	34,814
Provision for credit losses - loans	378	1,171
Provision for (recovery of) credit losses - off-balance sheet credit exposures	-178	-146
Net interest income after provision	34,345	33,789
Service charges	1,667	1,564
Net gain (loss) on equity securities	255	-74
Net gain on sale of loans and leases	1,450	841
Atm/interchange fees	1,435	1,418
Wealth management fees	1,402	1,325
Lease revenue and residual income	1,934	525
Bank owned life insurance	666	386
Swap fees	0	53
Other	824	551
Total noninterest income	9,633	6,589
Compensation expense	15,161	15,011
Net occupancy expense	1,466	1,419
Contracted data processing	559	536
Fdic assessment	627	689
State franchise tax	536	634
Professional services	1,225	1,798
Equipment expense/depreciation	2,205	1,764
Atm/interchange expense	755	683
Marketing	391	289
Amortization of core deposit intangible assets	318	338
Software maintenance expense	1,480	1,294
Other operating expenses	3,604	3,027
Total noninterest expense	28,327	27,482
Income before taxes	15,651	12,896
Income tax expense	2,891	1,881
Net income	12,760	11,015

Basic EPS	0.68	0.71
Diluted EPS	0.68	0.71
Basic Average Shares	18,675,864	15,427,798

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