XML 66 R4.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2015
Mar. 31, 2014
Interest and dividend income    
Loans, including fees $ 10,246us-gaap_InterestAndFeeIncomeLoansAndLeases $ 9,782us-gaap_InterestAndFeeIncomeLoansAndLeases
Taxable securities 832us-gaap_InterestIncomeSecuritiesTaxable 872us-gaap_InterestIncomeSecuritiesTaxable
Tax-exempt securities 624us-gaap_InterestIncomeSecuritiesTaxExempt 574us-gaap_InterestIncomeSecuritiesTaxExempt
Federal funds sold and other 60us-gaap_InterestIncomeOther 87us-gaap_InterestIncomeOther
Total interest income 11,762us-gaap_InterestAndDividendIncomeOperating 11,315us-gaap_InterestAndDividendIncomeOperating
Interest expense    
Deposits 542us-gaap_InterestExpenseDeposits 615us-gaap_InterestExpenseDeposits
Federal Home Loan Bank advances 121us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm 324us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm
Subordinated debentures 179us-gaap_InterestExpenseSubordinatedNotesAndDebentures 205us-gaap_InterestExpenseSubordinatedNotesAndDebentures
Securities sold under agreement to repurchase 5us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase 6us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase
Total interest expense 847us-gaap_InterestExpense 1,150us-gaap_InterestExpense
Net interest income 10,915us-gaap_InterestIncomeExpenseNet 10,165us-gaap_InterestIncomeExpenseNet
Provision for loan losses 400us-gaap_ProvisionForLoanAndLeaseLosses 750us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for loan losses 10,515us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 9,415us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Noninterest income    
Service charges 1,055us-gaap_ServicingFeesNet 1,010us-gaap_ServicingFeesNet
Net gain on sale of securities   4us-gaap_GainLossOnSaleOfSecuritiesNet
Net gain on sale of loans 204us-gaap_GainLossOnSalesOfLoansNet 118us-gaap_GainLossOnSalesOfLoansNet
ATM fees 449civb_AutomatedTellerMachineFees 430civb_AutomatedTellerMachineFees
Trust fees 767us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities 788us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities
Bank owned life insurance 117us-gaap_BankOwnedLifeInsuranceIncome 130us-gaap_BankOwnedLifeInsuranceIncome
Tax refund processing fees 1,600civb_TaxRefundProcessingFees 1,877civb_TaxRefundProcessingFees
Other 210us-gaap_NoninterestIncomeOtherOperatingIncome 267us-gaap_NoninterestIncomeOtherOperatingIncome
Total noninterest income 4,402us-gaap_NoninterestIncome 4,624us-gaap_NoninterestIncome
Noninterest expense    
Salaries, wages and benefits 5,899us-gaap_LaborAndRelatedExpense 5,726us-gaap_LaborAndRelatedExpense
Net occupancy expense 624us-gaap_OccupancyNet 688us-gaap_OccupancyNet
Equipment expense 363us-gaap_EquipmentExpense 342us-gaap_EquipmentExpense
Contracted data processing 448us-gaap_InformationTechnologyAndDataProcessing 344us-gaap_InformationTechnologyAndDataProcessing
Federal deposit insurance assessment 237us-gaap_FederalDepositInsuranceCorporationPremiumExpense 237us-gaap_FederalDepositInsuranceCorporationPremiumExpense
State franchise tax 239civb_StateFranchiseTax 210civb_StateFranchiseTax
Professional services 456us-gaap_ProfessionalFees 391us-gaap_ProfessionalFees
Amortization of intangible assets 142us-gaap_AmortizationOfIntangibleAssets 202us-gaap_AmortizationOfIntangibleAssets
ATM expense 283civb_AutomatedTellerMachineExpense 203civb_AutomatedTellerMachineExpense
Marketing 179us-gaap_MarketingExpense 300us-gaap_MarketingExpense
Other operating expenses 1,733us-gaap_OtherNoninterestExpense 1,785us-gaap_OtherNoninterestExpense
Total noninterest expense 10,603us-gaap_NoninterestExpense 10,428us-gaap_NoninterestExpense
Income before taxes 4,314us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 3,611us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense 1,143us-gaap_IncomeTaxExpenseBenefit 899us-gaap_IncomeTaxExpenseBenefit
Net Income 3,171us-gaap_NetIncomeLoss 2,712us-gaap_NetIncomeLoss
Preferred stock dividends 404us-gaap_PreferredStockDividendsAndOtherAdjustments 655us-gaap_PreferredStockDividendsAndOtherAdjustments
Net income available to common shareholders $ 2,767us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 2,057us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic
Earnings per common share, basic $ 0.36us-gaap_EarningsPerShareBasic $ 0.27us-gaap_EarningsPerShareBasic
Earnings per common share, diluted $ 0.29us-gaap_EarningsPerShareDiluted $ 0.22us-gaap_EarningsPerShareDiluted