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Income Statement
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Balance Sheet
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Income Overview
Net Income
$14,315K
EPS
$0.69
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$49,887K
(-0.17%↓ Y/Y)
Taxable securities
$3,908K
(4.19%↑ Y/Y)
Tax-exempt securities
$2,278K
(-2.57%↓ Y/Y)
Deposits in other banks
$474K
(125.71%↑ Y/Y)
Total interest and
dividend income
$56,547K
(0.49%↑ Y/Y)
Net interest income
$38,593K
(10.85%↑ Y/Y)
Service charges
$1,889K
(20.78%↑ Y/Y)
Atm/interchange fees
$1,555K
(9.66%↑ Y/Y)
Net gain on sale of
loans and leases
$1,501K
(78.48%↑ Y/Y)
Wealth management fees
$1,459K
(10.11%↑ Y/Y)
Lease revenue and
residual income
$1,404K
(167.43%↑ Y/Y)
Other
$657K
(19.24%↑ Y/Y)
Bank owned life
insurance
$399K
(3.37%↑ Y/Y)
Net gain (loss) on
equity securities
$140K
(289.19%↑ Y/Y)
Swap fees
$3K
(-94.34%↓ Y/Y)
Total interest
expense
$17,954K
(-16.33%↓ Y/Y)
Net interest income
after provision
$36,823K
(8.98%↑ Y/Y)
Total noninterest
income
$9,007K
(36.70%↑ Y/Y)
Provision for credit
losses - loans and...
$1,251K
(6.83%↑ Y/Y)
Provision for (recovery
of) credit losses -...
$519K
(455.48%↑ Y/Y)
Deposits
$15,894K
(2.16%↑ Y/Y)
Subordinated debentures
$1,120K
(-3.86%↓ Y/Y)
Federal home loan bank
advances
$843K
(-81.72%↓ Y/Y)
Other borrowings
$97K
(-21.14%↓ Y/Y)
Income before taxes
$17,177K
(33.20%↑ Y/Y)
Total noninterest
expense
$28,653K
(4.26%↑ Y/Y)
Net income
$14,315K
(29.96%↑ Y/Y)
Income tax expense
$2,862K
(52.15%↑ Y/Y)
Compensation expense
$15,737K
(4.84%↑ Y/Y)
Other operating
expenses
$3,575K
(18.10%↑ Y/Y)
Equipment expense
$1,720K
(-2.49%↓ Y/Y)
Net occupancy
expense
$1,583K
(11.56%↑ Y/Y)
Software maintenance
expense
$1,235K
(-4.56%↓ Y/Y)
Professional services
$1,221K
(-32.09%↓ Y/Y)
Atm/interchange expense
$743K
(8.78%↑ Y/Y)
Amortization of core deposit
intangible assets
$696K
(105.92%↑ Y/Y)
State franchise tax
$599K
(-5.52%↓ Y/Y)
Contracted data processing
$582K
(8.58%↑ Y/Y)
Marketing
$542K
(87.54%↑ Y/Y)
Fdic assessment
$420K
(-39.04%↓ Y/Y)
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CIVISTA BANCSHARES, INC. (CIVB)
CIVISTA BANCSHARES, INC. (CIVB)