0001193125-22-125554.txt : 20220428 0001193125-22-125554.hdr.sgml : 20220428 20220428083103 ACCESSION NUMBER: 0001193125-22-125554 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220428 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220428 DATE AS OF CHANGE: 20220428 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CIVISTA BANCSHARES, INC. CENTRAL INDEX KEY: 0000944745 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341558688 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36192 FILM NUMBER: 22862430 BUSINESS ADDRESS: STREET 1: 100 EAST WATER ST STREET 2: P O BOX 5016 CITY: SANDUSKY STATE: OH ZIP: 44870 BUSINESS PHONE: 4196254121 MAIL ADDRESS: STREET 1: 100 EAST WATER ST STREET 2: P O BOX 5016 CITY: SANDUSKY STATE: OH ZIP: 44870 FORMER COMPANY: FORMER CONFORMED NAME: FIRST CITIZENS BANC CORP /OH DATE OF NAME CHANGE: 19950502 8-K 1 d328106d8k.htm 8-K 8-K
NASDAQ false 0000944745 0000944745 2022-04-28 2022-04-28

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

Pursuant to section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 28, 2022

 

 

Civista Bancshares, Inc.

(Exact name of Registrant as specified in its charter)

 

 

 

Ohio   001-36192   34-1558688
(State or other jurisdiction of
incorporation or organization)		   (Commission
File Number)		   (IRS Employer
Identification No.)

100 East Water Street, P.O. Box 5016, Sandusky, Ohio 44870

(Address of principle executive offices)

Registrant’s telephone number, including area code: (419) 625-4121

N/A

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

  ☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

  ☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

  ☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

  ☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Act of 1934 (§240.12b-2 of this chapter)

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

  

Trading
Symbol(s)

  

Name of each exchange
on which registered

Common   CIVB   NASDAQ Capital Market

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

Item 2.02 Results of Operations and Financial Condition

On April 28, 2022, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three-month period ended March 31, 2022. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated here by reference.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d)     Exhibit 99.1     Press release of Civista Bancshares, Inc. reporting financial results and earnings for the three-month period ended March 31, 2022.

Exhibit 104    Cover Page Interactive File-the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

 

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

Civista Bancshares, Inc.

  (Registrant)
Date: April 28, 2022  

/s/ Todd A. Michel

  Todd A. Michel,
  Senior Vice President & Controller

 

3

EX-99.1 2 d328106dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

Civista Bancshares, Inc. Announces First Quarter 2022 Financial Results

Sandusky, Ohio, April 28, 2022 /PRNewswire/– Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) announced its unaudited financial results for the three months ending March 31, 2022.

First quarter highlights

 

  •  

Net income of $8.5 million, or $0.57 per diluted share, for the first quarter of 2021, compared to $10.8 million, or $0.68 per diluted share, for the first quarter of 2021.

 

  •  

COVID–19 loan deferrals decreased to 0.14% of total loans at period end, compared to 0.26% at December 31, 2021 and 21.3% at the June 30, 2020 high point.

 

  •  

Based on the March 31, 2022 market close share price of $24.10, the $0.14 first quarter dividend is equivalent to an annualized yield of 2.32% and a dividend payout ratio of 24.56%.

 

  •  

In January we announced the signing of a definitive merger agreement pursuant to which Civista will acquire Comunibanc Corp., the parent company of The Henry County Bank.

“We turned in another solid Civista quarter highlighted by solid loan growth. We continue to work on the integration of the Henry County Bank and did incur some additional expenses related to the acquisition that negatively impacted our noninterest expense. This had an adverse impact to our earnings of approximately $0.03 per share for the quarter. The transaction remains on schedule to close in late second or early third quarter and we look forward to welcoming their employees to the Civista family” said Dennis G. Shaffer, CEO and President of Civista.

Results of Operations:

For the three-month period ended March 31, 2022 and 2021

Net interest income decreased $896 thousand, or 3.8%, for the first quarter of 2022 compared to the same period of 2021, due to a decrease in interest income partially offset by a decrease in interest expense. Accretion of PPP fees was $1.2 million during the first quarter 2022 compared to $3.1 million for the same period in 2021.

Net interest margin increased 8 basis points to 3.38% for the first quarter of 2022, compared to 3.30% for the same period a year ago.

 

1

The decrease in interest income was due to a $2.5 million decrease in PPP interest and fees and a decrease of $330 thousand decrease in accretion income related to loan portfolios acquired through acquisitions. Average earning assets decreased $192.1 million, partially offset by an 8 basis point increase in the yield.

Interest expense decreased $163 thousand, or 8.6%, for the first quarter of 2022, compared to the same period last year. The average rate paid on interest-bearing liabilities decreased 7 basis points, while average interest-bearing liabilities increased $109 thousand.

 

2

Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Three Months Ended March 31,  
     2022     2021  
     Average            Yield/     Average            Yield/  

Assets:

    balance     Interest      rate*     balance     Interest      rate*  

Interest-earning assets:

               

Loans**

    $ 2,006,984     $ 21,038        4.25 %    $ 2,069,419     $ 22,783        4.47 % 

Taxable securities

      314,493       1,720        2.20 %      174,740       1,275        3.08 % 

Non-taxable securities

      260,866       1,789        3.67 %      207,573       1,518        4.12 % 

Interest-bearing deposits in other banks

      232,246       119        0.21 %      554,921       149        0.11 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-earning assets

    $ 2,814,589       24,666        3.63 %    $ 3,006,653       25,725        3.55 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-earning assets:

               

Cash and due from financial institutions

      223,353            27,760       

Premises and equipment, net

      22,320            22,509       

Accrued interest receivable

      7,157            8,569       

Intangible assets

      84,374            84,862       

Bank owned life insurance

      46,726            46,062       

Other assets

      37,346            38,084       

Less allowance for loan losses

      (26,775 )           (25,590 )      
  

 

 

         

 

 

       

Total Assets

    $ 3,209,090          $ 3,208,909       
  

 

 

         

 

 

       

Liabilities and Shareholders’ Equity:

               

Interest-bearing liabilities:

               

Demand and savings

    $ 1,383,372     $ 234        0.07 %    $ 1,248,717     $ 343        0.11 % 

Time

      240,612       471        0.79 %      284,042       917        1.31 % 

FHLB

      75,000       190        1.03 %      125,000       443        1.44 % 

Other borrowings

      358       —          0.00 %      —         —          0.00 % 

Subordinated debentures

      103,713       836        3.27 %      30,349       186        2.56 % 

Repurchase agreements

      25,228       3        0.05 %      31,178       8        0.10 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-bearing liabilities

    $ 1,828,283       1,734        0.38 %    $ 1,719,286       1,897        0.45 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-bearing deposits

      933,654            1,100,023       

Other liabilities

      99,851            39,975       

Shareholders’ equity

      347,302            349,625       
  

 

 

         

 

 

       

Total Liabilities and Shareholders’ Equity

    $ 3,209,090          $ 3,208,909       
  

 

 

         

 

 

       

Net interest income and interest rate spread

 

   $ 22,932        3.25 %      $ 23,828        3.10 % 

Net interest margin

           3.38 %           3.30 % 

 

*

- Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $467 thousand and $407 thousand for the periods ended March 31, 2022 and 2021,respectively.

**

- Average balance includes nonaccrual loans

 

3

Provision for loan losses was $300 thousand for the first quarter of 2022 compared to $830 thousand for the first quarter of 2021. The reserve ratio increased to 1.34% at March 31, 2022 from 1.33% at December 31, 2021. The reserve ratio without the impact of PPP loans would have only been 1 basis point higher.

For the first quarter of 2022, noninterest income totaled $7.6 million, a decrease of $1.5 million, or 16.8%, compared to the prior year’s first quarter.

 

Noninterest income                            
(unaudited - dollars in thousands)    Three months ended March 31,  
     2022      2021      $ change      % change  

Service charges

    $ 1,579      $ 1,256      $ 323        25.7 % 

Net loss on sale of securities

      —          (1 )       1        100.0 % 

Net gain on equity securities

      50        88        (38 )       -43.2 % 

Net gain on sale of loans

      936        2,745        (1,809 )       -65.9 % 

ATM/Interchange fees

      1,241        1,248        (7 )       -0.6 % 

Wealth management fees

      1,277        1,146        131        11.4 % 

Bank owned life insurance

      244        243        1        0.4 % 

Tax refund processing fees

      1,900        1,900        —          0.0 % 

Swap fees

      —          76        (76 )       -100.0 % 

Other

      416        489        (73 )       -14.9 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest income

    $ 7,643      $ 9,190      $ (1,547 )       -16.8 % 
  

 

 

     

 

 

     

 

 

     

Net gain on sale of loans decreased primarily as a result of a decrease in volume of loans sold. Proceeds from the sale of loans sold totaled $38.1 million and $77.6 million during the three months ended March 31, 2022 and 2021, respectively.

Service charges increased as a result of a $223 thousand increase in service charges on deposit accounts and a $100 thousand increase in overdraft fees.

Wealth management fees increased as a result of a $95 thousand increase in brokerage fees and a $33 thousand increase in trust fees. Brokerage income increased due to volume of business and trust income increased as a result of new accounts and market conditions.

Swap fees decreased due to the volume. We did not record a swap during the first quarter this year, compared to $4.2 million during the same period last year. We reduced the loans we entered into swaps on as a part of our asset liability management program. Given current rates, we have chosen to book the variable rate loan that we might otherwise have swapped to a fixed rate.

Other income decreased due to a decrease in gains on the sale of OREO properties of $72 thousand.

 

4

For the first quarter of 2022, noninterest expense totaled $20.3 million, an increase of $868 thousand, or 4.5%, compared to the prior year’s first quarter.

 

Noninterest expense                            
(unaudited - dollars in thousands)    Three months ended March 31,  
     2022      2021      $ change      % change  

Compensation expense

    $ 12,223      $ 11,782      $ 441        3.7 % 

Net occupancy and equipment

      1,645        1,638        7        0.4 % 

Contracted data processing

      620        443        177        40.0 % 

Taxes and assessments

      794        884        (90 )       -10.2 % 

Professional services

      1,049        738        311        42.1 % 

Amortization of intangible assets

      217        223        (6 )       -2.7 % 

ATM/Interchange expense

      513        593        (80 )       -13.5 % 

Marketing

      317        299        18        6.0 % 

Software maintenance expense

      708        508        200        39.4 % 

Other

      2,172        2,282        (110 )       -4.8 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest expense

    $ 20,258      $ 19,390      $ 868        4.5 % 
  

 

 

     

 

 

     

 

 

     

Compensation expense increased primarily due to annual pay increases, which occur every year in April and commission and incentive expense. Commission and incentive expense accruals increased $356.6 thousand, or 21.7%.

Contracted data processing fees increased due to merger related system deconversion fees of $215.

The quarter-over-quarter decrease in taxes and assessments was attributable to decreases in both the FDIC assessment and franchise tax. FDIC assessments decreased due to lower assessment multipliers. Franchise tax decreased due to additional taxes paid in 2021 as a result of an amended return.

Professional services primarily increased due to a $118 thousand increase in merger related legal and audit and a $150 thousand increase in consulting fees.

The increase in Software maintenance expense is due to both increases in software maintenance contracts as well as the implementation of the new digital banking platform.

The efficiency ratio was 65.2% for the quarter ended March 31, 2022 compared to 57.4% for the quarter ended March 31, 2021. The change in the efficiency ratio is primarily due to an increase in noninterest expense and a decrease in noninterest interest income.

Civista’s effective income tax rate for the first quarter 2022 was 15.5% compared to 17.3% in 2021.

 

5

Balance Sheet

Total assets increased $171.5 million, or 5.7%, from December 31, 2021 to March 31, 2022, primarily due to an increase in cash of $148.5 million, or 56.2%. Loans held for sale increased $2.8 million, or 143.1%. The loan portfolio increased $20.3 million, which includes a decrease in PPP loans of $27.7 million.

 

End of period loan balances                            
(unaudited - dollars in thousands)                            
     March 31,      December 31,                
     2022      2021      $ Change      % Change  

Commercial and Agriculture

    $ 202,914      $ 203,293      $ (379 )       -0.2 % 

Paycheck protection program loans

      15,529        43,209        (27,680 )       -64.1 % 

Commercial Real Estate:

            

Owner Occupied

      301,352        295,452        5,900        2.0 % 

Non-owner Occupied

      869,663        829,310        40,353        4.9 % 

Residential Real Estate

      432,770        430,060        2,710        0.6 % 

Real Estate Construction

      161,651        157,127        4,524        2.9 % 

Farm Real Estate

      24,648        28,419        (3,771 )       -13.3 % 

Consumer and Other

      9,661        11,009        (1,348 )       -12.2 % 
  

 

 

     

 

 

     

 

 

     

Total Loans

    $ 2,018,188      $ 1,997,879      $ 20,309        1.0 % 
  

 

 

     

 

 

     

 

 

     

Loan balances increased $20.3 million, or 1.0% in the first quarter, including the PPP balance decline. Removing the effect of the PPP loans, the loan portfolio increased $48.0 million or 2.5%. Commercial and Agriculture loans are flat as revolving line of credit balances continue to be undrawn. Commercial Real Estate continued to grow due to consistent demand in both the Non-owner Occupied and Owner Occupied categories. Real Estate Construction grew slightly as new projects were originated awaiting the construction season. Construction demand remains strong and construction availability continues to be near all-time highs. Residential Real Estate is relatively flat as most new originations are sold on the secondary market with any portfolio loans basically equaling payment attrition.

Paycheck Protection Program

In total, we processed over 3,600 loans totaling $399.4 million of PPP loans. Of the total PPP loans we have originated, $383.9 million have been forgiven or have paid off. We recognized $1.2 million of PPP fees in income during the quarter, and at March 31, 2022, $583 thousand of unearned PPP fees remain.

 

6

COVID-19 Loan Modifications

As of March 31, 2022, the remaining loans modified under the CARES Act totaled $2.8 million, or 0.14% of total loans at period end, compared to 0.26% at December 31, 2021. Details with respect to the loan modifications that remain on deferred status are as follows:

 

Loans currently modified under COVID-19 programs         
(unaudited - dollars in thousands)                

Type of Loan

    Number of
Loans		      Balance      Percent of
loans
outstanding		  

Commercial and Agriculture

      1      $ 245        0.01 % 

Commercial Real Estate:

         

Non-owner Occupied

      4        2,519        0.12 % 
  

 

 

     

 

 

     
     5      $ 2,764        0.14 % 
  

 

 

     

 

 

     

Deposits

Total deposits increased $198.4 million, or 8.2%, from December 31, 2021 to March 31, 2022.

 

End of period deposit balances                            
(unaudited - dollars in thousands)                            
     March 31,      December 31,                
     2022      2021      $ Change      % Change  

Noninterest-bearing demand

    $ 987,347      $ 788,906      $ 198,441        25.2 % 

Interest-bearing demand

      540,924        537,510        3,414        0.6 % 

Savings and money market

      851,803        843,837        7,966        0.9 % 

Time deposits

      235,063        246,448        (11,385 )       -4.6 % 
  

 

 

     

 

 

     

 

 

     

Total Deposits

    $ 2,615,137      $ 2,416,701      $ 198,436        8.2 % 
  

 

 

     

 

 

     

 

 

     

The increase in noninterest-bearing demand of $198.4 million was primarily due to a $199.4 million increase in balances related to the tax refund processing program, which is a seasonal increase. Interest-bearing demand deposits increased due to a $20.4 million increase in public fund accounts, partially offset by a $15.5 million decrease in non-public fund accounts. The increase in savings and money market was primarily due to a $21.0 million increase in statement savings, a $7.5 million increase in personal money markets, and a $3.9 million increase in public fund money markets. These increases were partially offset by decreases of $19.0 million increase in brokered money market accounts and $6.1 million in business money market accounts. The decrease in time certificates was primarily due to certificates over $100 thousand.

FHLB advances totaled $75.0 million at March 31, 2022, unchanged from December 31, 2021.

 

7

Stock Repurchase Program

During 2022, Civista repurchased 183,357 shares for $4.4 million at a weighted average price of $24.17 per share. We have approximately $4.9 million remaining of the current $13.5 million repurchase authorization, which was approved in August 2021. In addition, Civista liquidated 5,403 shares held by employees, at $24.66 per share, to satisfy tax obligations stemming from vesting of restricted shares.

Shareholders’ Equity

Total shareholders’ equity decreased $27.5 million from December 31, 2021 to March 31, 2022, primarily due to a $29.6 million decrease in accumulated other comprehensive income (loss). Shareholders’ equity also decreased due to a $4.6 million repurchase of treasury shares. Retained earnings increased $6.4 million.

Asset Quality

Civista recorded net recoveries of $92 thousand for the three months of 2022 compared to net recoveries of $275 thousand for the same period of 2021. The allowance for loan losses to loans was 1.34% at March 31, 2022 and 1.33% at December 31, 2021.

 

Allowance for Loan Losses

              
(dollars in thousands)              
     March 31,      March 31,  
     2022      2021  

Beginning of period

    $ 26,641      $ 25,028  

Charge-offs

      (30 )       (46 ) 

Recoveries

      122        321  

Provision

      300        830  
  

 

 

     

 

 

  

End of period

    $ 27,033      $ 26,133  
  

 

 

     

 

 

  

 

8

Non-performing assets at March 31, 2022 were $5.4 million, unchanged from December 31, 2021. The non-performing assets to assets ratio decreased to 0.17% from 0.18% at December 31, 2021. The allowance for loan losses to non-performing loans increased to 501.50% from 496.10% at December 31, 2021.

 

Non-performing Assets

              
(dollars in thousands)    March 31,      December 31,  
     2022      2021  

Non-accrual loans

    $ 3,915      $ 3,873  

Restructured loans

      1,475        1,497  
  

 

 

     

 

 

  

Total non-performing loans

      5,390        5,370  

Other Real Estate Owned

      —          —    
  

 

 

     

 

 

  

Total non-performing assets

    $ 5,390      $ 5,370  
  

 

 

     

 

 

  

Conference Call and Webcast

Civista Bancshares, Inc. will also host a conference call to discuss the Company’s financial results for the first quarter of 2022 at 1:00 p.m. ET on Thursday, April 28, 2022. Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company’s website, www.civb.com. Participants can also listen to the conference call by dialing 855-238-2712 and ask to be joined into the Civista Bancshares, Inc. first quarter 2022 earnings call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

An archive of the webcast will be available for one year on the Investor Relations section of the Company’s website (www.civb.com).

Forward Looking Statements

This press release may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Civista. For these statements, Civista claims the protections of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Statements in this press release should be considered in conjunction with the other information available about Civista, including the information in the filings we make with the Securities and Exchange Commission. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance. The forward-looking statements are based on management’s expectations and are subject to a number of risks and uncertainties. We have tried, wherever possible, to identify such statements by using words such as “anticipate,” “estimate,” “project,” “intend,” “plan,” “believe,” “will” and similar expressions in connection with any discussion of future operating or financial performance. Although management believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from those expressed or implied in such statements. Risks and uncertainties that could cause actual results to differ materially include risk factors relating to the banking industry and the other factors detailed from time to time in Civista’ reports filed with the Securities and Exchange Commission, including those described in “Item 1A Risk Factors” of Part I of Civista’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021, and any additional risks identified in the Company’s subsequent Form 10-Q’s. Undue reliance should not be placed on the forward-looking statements, which speak only as of the date hereof. Civista does not undertake, and specifically disclaims any obligation, to update any forward-looking statement to reflect the events or circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law.

 

9

Civista Bancshares, Inc. is a $3.2 billion financial holding company headquartered in Sandusky, Ohio. The Company’s banking subsidiary, Civista Bank, operates 35 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana and Northern Kentucky. Civista Bancshares, Inc. may be accessed at HUwww.civb.comUH. The Company’s common shares are traded on the NASDAQ Capital Market under the symbol “CIVB”.

For additional information, contact:

Dennis G. Shaffer

CEO and President

Civista Bancshares, Inc.

888-645-4121

 

10

Civista Bancshares, Inc.

Financial Highlights

(Unaudited, dollars in thousands, except share and per share amounts)

Consolidated Condensed Statement of Income

 

     Three Months Ended  
     March 31,  
     2022     2021  

Interest income

    $ 24,666     $ 25,725  

Interest expense

      1,734       1,897  
  

 

 

    

 

 

  

Net interest income

      22,932       23,828  

Provision for loan losses

      300       830  
  

 

 

    

 

 

  

Net interest income after provision

      22,632       22,998  

Noninterest income

      7,643       9,190  

Noninterest expense

      20,258       19,187  
  

 

 

    

 

 

  

Income before taxes

      10,017       13,001  

Income tax expense

      1,551       2,243  
  

 

 

    

 

 

  

Net income

    $ 8,466     $ 10,758  

Dividends paid per common share

    $ 0.14     $ 0.12  

Earnings per common share, basic and diluted

    $ 0.57     $ 0.68  

Average shares outstanding, basic and diluted

      14,853,287       15,820,301  

Selected financial ratios:

     

Return on average assets (annualized)

      1.07 %      1.36 % 

Return on average equity (annualized)

      9.89 %      12.48 % 

Dividend payout ratio

      24.56 %      17.65 % 

Net interest margin (tax equivalent)

      3.38 %      3.30 % 

 

11

Selected Balance Sheet Items

(Dollars in thousands, except share and per share amounts)

     March 31,     December 31,  
     2022     2021  
     (unaudited)     (unaudited)  

Cash and due from financial institutions

    $ 412,698     $ 264,239  

Investment in time deposits

      1,728       1,730  

Investment securities

      553,499       560,946  

Loans held for sale

      4,794       1,972  

Loans

      2,018,188       1,997,879  

Less: allowance for loan losses

      (27,033 )      (26,641 ) 
  

 

 

    

 

 

  

Net loans

      1,991,155       1,971,238  

Other securities

      18,511       17,011  

Premises and equipment, net

      22,110       22,445  

Goodwill and other intangibles

      84,251       84,432  

Bank owned life insurance

      46,885       46,641  

Other assets

      48,726       42,251  
  

 

 

    

 

 

  

Total assets

    $ 3,184,357     $ 3,012,905  
  

 

 

    

 

 

  

Total deposits

    $ 2,615,137     $ 2,416,701  

Federal Home Loan Bank advances

      75,000       75,000  

Securities sold under agreements to repurchase

      23,931       25,495  

Subordinated debentures

      103,704       103,735  

Accrued expenses and other liabilities

      38,893       36,762  

Total shareholders’ equity

      327,692       355,212  
  

 

 

    

 

 

  

Total liabilities and shareholders’ equity

    $ 3,184,357     $ 3,012,905  
  

 

 

    

 

 

  

Shares outstanding at period end

      14,797,214       14,954,200  

Book value per share

    $ 22.15     $ 23.75  

Equity to asset ratio

      10.29 %      11.79 % 

Selected asset quality ratios:

     

Allowance for loan losses to total loans

      1.34 %      1.33 % 

Non-performing assets to total assets

      0.17 %      0.18 % 

Allowance for loan losses to non-performing loans

      501.50 %      496.10 % 

Non-performing asset analysis

     

Nonaccrual loans

    $ 3,915     $ 3,873  

Troubled debt restructurings

      1,475       1,497  

Other real estate owned

      —         —    
  

 

 

    

 

 

  

Total

    $ 5,390     $ 5,370  
  

 

 

    

 

 

  

 

12

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     March 31,     December 31,     September 30,     June 30,     March 31,  

End of Period Balances

    2022     2021     2021     2021     2021  

Assets

           

Cash and due from banks

    $ 412,698     $ 264,239     $ 250,943     $ 243,083     $ 434,767  

Investment in time deposits

      1,728       1,730       2,222       2,223       2,471  

Investment securities

      553,499       560,946       499,226       458,831       357,798  

Loans held for sale

      4,794       1,972       5,810       6,618       10,769  

Loans

      2,018,188       1,997,879       2,004,814       2,019,196       2,060,239  

Allowance for loan losses

      (27,033 )      (26,641 )      (26,568 )      (26,197 )      (26,133 ) 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net Loans

      1,991,155       1,971,238       1,978,246       1,992,999       2,034,106  

Other securities

      18,511       17,011       17,011       20,537       20,537  

Premises and equipment, net

      22,110       22,445       22,716       22,817       22,265  

Goodwill and other intangibles

      84,251       84,432       84,589       84,980       84,682  

Bank owned life insurance

      46,885       46,641       46,728       46,467       46,219  

Other assets

      48,726       42,251       45,667       47,010       44,676  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Assets

    $ 3,184,357     $ 3,012,905     $ 2,953,158     $ 2,925,565     $ 3,058,290  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Liabilities

           

Total deposits

    $ 2,615,137     $ 2,416,701     $ 2,434,766     $ 2,402,992     $ 2,475,907  

Federal Home Loan Bank advances

      75,000       75,000       75,000       75,000       125,000  

Securities sold under agreement to repurchase

      23,931       25,495       23,331       24,916       29,513  

Subordinated debentures

      103,704       103,735       30,349       30,349       30,349  

Accrued expenses and other liabilities

      38,893       36,762       41,262       39,895       47,463  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total liabilities

      2,856,665       2,657,693       2,604,708       2,573,152       2,708,232  

Shareholders’ Equity

           

Common shares

      277,919       277,741       277,627       277,495       277,164  

Retained earnings

      131,934       125,558       116,680       109,178       101,899  

Treasury shares

      (61,472 )      (56,907 )      (55,155 )      (45,953 )      (38,574 ) 

Accumulated other comprehensive income (loss)

      (20,689 )      8,820       9,298       11,693       9,569  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total shareholders’ equity

      327,692       355,212       348,450       352,413       350,058  

Total Liabilities and Shareholders’ Equity

    $ 3,184,357     $ 3,012,905     $ 2,953,158     $ 2,925,565     $ 3,058,290  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Quarterly Average Balances

                               

Assets:

           

Earning assets

    $ 2,814,589     $ 2,773,498     $ 2,747,450     $ 2,776,131     $ 3,006,653  

Securities

      575,359       522,058       482,642       413,494       382,313  

Loans

      2,006,984       1,973,989       2,010,665       2,054,784       2,069,419  

Liabilities and Shareholders’ Equity

           

Total deposits

    $ 2,557,638     $ 2,430,613     $ 2,437,580     $ 2,448,183     $ 2,632,782  

Interest-bearing deposits

      1,623,984       1,619,560       1,588,079       1,580,622       1,532,759  

Other interest-bearing liabilities

      204,299       155,094       127,511       157,264       185,605  

 

13

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  
     March 31,      December 31,      September 30,      June 30,      March 31,  

Income statement

    2022      2021      2021      2021      2021  

Total interest and dividend income

    $ 24,666      $ 24,735      $ 25,784      $ 25,498      $ 25,725  

Total interest expense

      1,734        1,412        1,351        1,657        1,897  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net interest income

      22,932        23,323        24,433        23,841        23,828  

Provision for loan losses

      300        —          —          —          830  

Noninterest income

      7,643        6,811        6,426        9,025        9,190  

Noninterest expense

      20,258        16,963        19,251        22,265        19,187  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Income before taxes

      10,017        13,171        11,608        10,601        13,001  

Income tax expense

      1,551        2,189        1,966        1,437        2,243  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income

    $ 8,466      $ 10,982      $ 9,642      $ 9,164      $ 10,758  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Per share data

                                   

Earnings per common share

               

Basic

               

Net income

    $ 8,466      $ 10,982      $ 9,642      $ 9,164      $ 10,758  

Less allocation of earnings and dividends to participating securities

      32        51        46        43        32  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income available to common shareholders - basic

    $ 8,434      $ 10,931      $ 9,596      $ 9,121      $ 10,726  

Weighted average common shares outstanding

      14,909,192        15,009,376        15,168,233        15,602,329        15,867,588  

Less average participating securities

      55,905        70,349        72,071        72,563        47,286  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Weighted average number of shares outstanding used to calculate basic earnings per share

      14,853,287        14,939,027        15,096,162        15,529,766        15,820,302  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Earnings per common share (1)

               

Basic

    $ 0.57      $ 0.73      $ 0.64      $ 0.59      $ 0.68  

Diluted

      0.57        0.73        0.64        0.59        0.68  

Common shares dividend paid

    $ 2,091      $ 2,104      $ 2,140      $ 1,885      $ 1,907  

Dividends paid per common share

      0.14        0.14        0.14        0.12        0.12  

 

(1)

The Company is now presenting earnings per share using the two-class method. As such, the presentation for the prior periods have been revised. Earnings per share for the prior periods did not change as a result of using the two-class method.

 

14

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  
     March     December 31,     September 30,     June 30,     March 31,  

Asset quality

    2022     2021     2021     2021     2021  

Allowance for loan losses, beginning of period

    $ 26,641     $ 26,568     $ 26,197     $ 26,133     $ 25,028  

Charge-offs

      (30 )      (11 )      (77 )      (25 )      (46 ) 

Recoveries

      122       84       448       89       321  

Provision

      300       —         —         —         830  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Allowance for loan losses, end of period

    $ 27,033     $ 26,641     $ 26,568     $ 26,197     $ 26,133  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ratios

           

Allowance to total loans

      1.34 %      1.33 %      1.33 %      1.30 %      1.27 % 

Allowance to nonperforming assets

      501.50 %      496.10 %      501.01 %      443.50 %      423.09 % 

Allowance to nonperforming loans

      501.50 %      496.10 %      503.50 %      443.50 %      423.09 % 

Nonperforming assets

           

Nonperforming loans

    $ 5,390     $ 5,370     $ 5,277     $ 5,907     $ 6,177  

Other real estate owned

      —         —         26       —         —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total nonperforming assets

    $ 5,390     $ 5,370     $ 5,303     $ 5,907     $ 6,177  

Capital and liquidity

           

Tier 1 leverage ratio

      9.50 %      10.21 %      10.01 %      9.92 %      9.23 % 

Tier 1 risk-based capital ratio

      14.02 %      12.92 %      14.18 %      14.65 %      15.20 % 

Total risk-based capital ratio

      18.74 %      14.35 %      15.43 %      15.90 %      16.45 % 

Tangible common equity ratio (1)

      7.85 %      9.25 %      9.20 %      9.42 %      8.93 % 

 

(1)

See reconciliation of non-GAAP measures at the end of this press release.

 

15

Reconciliation of Non-GAAP Financial Measures

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  
     March 31,     December 31,     September 30,     June 30,     March 31,  
     2022     2021     2021     2021     2021  

Tangible Common Equity

           

Total Shareholder’s Equity - GAAP

    $ 327,692     $ 355,212     $ 348,450     $ 352,413     $ 350,058  

Less: Goodwill and intangible assets

      84,251       84,432       84,589       84,980       84,682  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible common equity (Non-GAAP)

    $ 243,441     $ 270,780     $ 263,861     $ 267,433     $ 265,376  

Total Shares Outstanding

      14,797,214       14,954,200       15,029,972       15,434,592       15,750,479  

Tangible book value per share

    $ 16.45     $ 18.11     $ 17.56     $ 17.33     $ 16.85  

Tangible Assets

           

Total Assets - GAAP

    $ 3,184,357     $ 3,011,983     $ 2,952,236     $ 2,924,643     $ 3,057,368  

Less: Goodwill and intangible assets

      84,251       84,432       84,589       84,980       84,682  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible assets (Non-GAAP)

    $ 3,100,106     $ 2,927,551     $ 2,867,647     $ 2,839,663     $ 2,972,686  

Tangible common equity to tangible assets

      7.85 %      9.25 %      9.20 %      9.42 %      8.93 % 

 

16

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Document and Entity Information
Apr. 28, 2022
Cover [Abstract]  
Security Exchange Name NASDAQ
Amendment Flag false
Entity Central Index Key 0000944745
Document Type 8-K
Document Period End Date Apr. 28, 2022
Entity Registrant Name Civista Bancshares, Inc.
Entity Incorporation State Country Code OH
Entity File Number 001-36192
Entity Tax Identification Number 34-1558688
Entity Address, Address Line One 100 East Water Street
Entity Address, Address Line Two P.O. Box 5016
Entity Address, City or Town Sandusky
Entity Address, State or Province OH
Entity Address, Postal Zip Code 44870
City Area Code (419)
Local Phone Number 625-4121
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Security 12b Title Common
Trading Symbol CIVB
Entity Emerging Growth Company false
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