0001193125-22-204232.txt : 20220728 0001193125-22-204232.hdr.sgml : 20220728 20220728083058 ACCESSION NUMBER: 0001193125-22-204232 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220728 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220728 DATE AS OF CHANGE: 20220728 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: 221112937 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 d318165d8k.htm 8-K 8-K
NASDAQ false 0000944745 0000944745 2022-07-28 2022-07-28

 

 

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) July 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 July 28, 2022, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and six month periods ended June 30, 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 and six month periods ended June 30, 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.

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: July 28, 2022           

/s/ Todd A. Michel

      Todd A. Michel,
      Senior Vice President & Controller
 EX-99.1 2 d318165dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

Civista Bancshares, Inc. Announces Second Quarter 2022 Financial Results

Sandusky, Ohio, July 28, 2022 /PRNewswire/– Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) announced its unaudited financial results for the three and six month periods ending June 30, 2022.

Second quarter and year-to-date 2022 highlights:

 

  •  

Net income of $7.7 million, or $0.53 per diluted share, for the second quarter of 2022, compared to $9.2 million, or $0.59 per diluted share, for the second quarter of 2021.

 

  •  

Net income of $16.2 million, or $1.10 per diluted share, compared to $19.9 million, or $1.27 per diluted share, for the six months ended June 30, 2022 and 2021, respectively.

 

  •  

COVID–19 loan deferrals decreased to $2.7 million, or 0.13% of total loans at period end, compared to 21.3% at the June 30, 2020 high point.

 

  •  

Paycheck Protection Program loans are down to $3.7 million.

 

  •  

Based on the June 30, 2022 market close share price of $21.26, the $0.14 second quarter dividend is equivalent to an annualized yield of 2.63% and a dividend payout ratio of 26.42%.

 

  •  

On July 1, 2022, we consummated the merger of Comunibanc Corp. with and into Civista and Henry County Bank, a wholly owned subsidiary of Comunibanc, with and into Civista Bank.

 

  •  

On June 27, 2022 we opened a branch office in Gahanna, Ohio.

“We turned in another solid Civista quarter highlighted by loan growth. We closed the merger of Comunibanc Corp. and The Henry County Bank (“HCB”) into Civista Bancshares, Inc. and Civista Bank effective July 1st 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 $0.02 per share for the quarter. The integration and conversion of HCB’s systems remain on schedule to be concluded in late October. HCB’s employees are working hard with our folks toward those goals. We welcome these new employees to the Civista family” said Dennis G. Shaffer, CEO and President of Civista.

Results of Operations:

For the three-month period ended June 30, 2022 and 2021

Net interest income increased $427 thousand, or 1.8%, for the second quarter of 2022 compared to the same period of 2021, due to an increase in interest income partially offset by an increase in interest expense. Accretion of PPP fees was $423 thousand during the second quarter 2022 compared to $2.8 million for the same period in 2021.    

Net interest margin decreased 10 basis points to 3.43% for the second quarter of 2022, compared to 3.53% for the same period a year ago. The decrease in margin is primarily due to the reduction in PPP fees in 2022.

The decrease in interest income was due to a $2.9 million decrease in PPP interest and fees and a $200 thousand decrease in accretion income related to loan portfolios acquired through acquisitions. Average earning assets increased $90.2 million, partially offset by a 10 basis point decrease in the yield. The decrease in yield is primarily due to the reduction in PPP fees in 2022. During the three-month period, the Bank had average PPP Loans totaling $10.3 million compared to $207.5 million for the same period last year. For the three months ended June 30, 2022, these loans had an average yield of 17.52% including the amortization of PPP fees, which increased the margin by 9 basis points.

Interest expense increased $139 thousand, or 8.4%, for the second quarter of 2022, compared to the same period last year. The average rate paid on interest-bearing liabilities increased 1 basis point, while average interest-bearing liabilities increased $92.2 million. The increase in the rate is primarily due to the addition of the subordinated debt, partially offset by lower deposit costs. The increase in market rates for us, and the industry, have not yet translated to significant increases in deposit costs.

Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Three Months Ended June 30,  
     2022     2021  
     Average            Yield/     Average            Yield/  

Assets:

    balance     Interest      rate*     balance     Interest      rate*  

Interest-earning assets:

               

Loans**

    $ 2,033,378     $ 21,851        4.31 %    $ 2,054,784     $ 22,653        4.42 % 

Taxable securities ***

      297,256       1,775        2.23 %      204,554       1,230        2.47 % 

Non-taxable securities ***

      259,096       1,882        3.52 %      208,940       1,525        4.04 % 

Interest-bearing deposits in other banks

      276,632       556        0.81 %      307,853       90        0.12 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-earning assets ***

    $ 2,866,362       26,064        3.67 %    $ 2,776,131       25,498        3.77 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-earning assets:

               

Cash and due from financial institutions

      44,538            45,626       

Premises and equipment, net

      22,264            22,375       

Accrued interest receivable

      7,993            8,463       

Intangible assets

      84,167            84,638       

Bank owned life insurance

      46,966            46,305       

Other assets

      46,608            37,173       

Less allowance for loan losses

      (27,174 )           (26,580 )      
  

 

 

         

 

 

       

Total Assets

    $ 3,091,724          $ 2,994,131       
  

 

 

         

 

 

       

Liabilities and Shareholders’ Equity:

               

Interest-bearing liabilities:

               

Demand and savings

    $ 1,401,351     $ 247        0.07 %    $ 1,310,998     $ 334        0.10 % 

Time

      228,733       463        0.81 %      269,624       802        1.19 % 

FHLB

      75,000       193        1.03 %      101,923       330        1.30 % 

Subordinated debentures

      103,714       890        3.44 %      29,427       185        2.52 % 

Repurchase agreements

      21,291       3        0.06 %      25,914       6        0.09 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-bearing liabilities

    $ 1,830,089       1,796        0.39 %    $ 1,737,886       1,657        0.38 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-bearing deposits

      894,887            867,561       

Other liabilities

      53,476            39,428       

Shareholders’ equity

      313,272            349,256       
  

 

 

         

 

 

       

Total Liabilities and Shareholders’ Equity

    $ 3,091,724          $ 2,994,131       
  

 

 

         

 

 

       

Net interest income and interest rate spread

 

   $ 24,268        3.28 %      $ 23,841        3.39 % 

Net interest margin ***

           3.43 %           3.53 % 

 

*

- Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $501 thousand and $413 thousand for the periods ended June 30, 2022 and 2021, respectively.

**

- Average balance includes nonaccrual loans

***

- Average yield on investments were calculated by adjusting the average balances of taxable and nontaxable securities by unrealized losses of $22.0 million and $12.2 million, respectively. These adjustments were also made when calculating the yield on earning assets and the margin.

For the six-month period ended June 30, 2022 and 2021

Net interest income decreased $469 thousand, or 1.0%, compared to the same period in 2021.

Interest income decreased $494 thousand, or 1.0%, for the first six months of 2022. Although average earning assets decreased $50.1 million, interest income increased $1.5 million due to a shift in the asset mix away from cash toward investment securities. Average yields decreased 1 basis point which resulted in a $2.0 million decrease in interest income. During the six-month period, the Bank had average PPP Loans totaling $19.5 million compared to $228.1 million for the same period last year. For the six months ended June 30, 2022, these loans had an average yield of 17.58% including the amortization of PPP fees, which increased the margin by 9 basis points.

Interest expense decreased $25 thousand, or 0.7%, for the first six months of 2022 compared to the same period of 2021. Average rates decreased 2 basis points, resulting in a $799 thousand decrease in interest expense. Average interest-bearing liabilities increased $101.0 million which led to an increase in interest expense of $774 thousand.

Net interest margin decreased 1 basis point to 3.40% for the first six months of 2022, compared to 3.41% for the same period a year ago.

Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Six Months Ended June 30,  
     2022     2021  
     Average            Yield/     Average            Yield/  

Assets:

    balance     Interest      rate*     balance     Interest      rate*  

Interest-earning assets:

               

Loans**

    $ 2,020,254     $ 42,889        4.28 %    $ 2,062,061     $ 45,436        4.44 % 

Taxable securities ***

      305,827       3,495        2.21 %      189,729       2,505        2.75 % 

Non-taxable securities ***

      259,976       3,671        3.59 %      208,260       3,044        4.08 % 

Interest-bearing deposits in other banks

      254,562       675        0.53 %      430,705       239        0.11 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-earning assets ***

    $ 2,840,619       50,730        3.65 %    $ 2,890,755       51,224        3.66 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-earning assets:

               

Cash and due from financial institutions

      133,452            39,777       

Premises and equipment, net

      22,292            22,442       

Accrued interest receivable

      7,577            8,515       

Intangible assets

      84,270            84,749       

Bank owned life insurance

      46,847            46,185       

Other assets

      41,838            37,157       

Less allowance for loan losses

      (26,976 )           (26,087 )      
  

 

 

         

 

 

       

Total Assets

    $ 3,149,919          $ 3,103,493       
  

 

 

         

 

 

       

Liabilities and Shareholders’ Equity:

               

Interest-bearing liabilities:

               

Demand and savings

    $ 1,392,411     $ 481        0.07 %    $ 1,280,030     $ 677        0.11 % 

Time

      234,640       934        0.80 %      276,793       1,719        1.25 % 

FHLB

      75,178       383        1.03 %      113,398       774        1.38 % 

Subordinated debentures

      103,713       1,726        3.36 %      29,427       371        2.54 % 

Repurchase agreements

      23,249       6        0.05 %      28,531       14        0.10 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-bearing liabilities

    $ 1,829,191       3,530        0.39 %    $ 1,728,179       3,555        0.41 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-bearing deposits

      914,163            986,185       

Other liabilities

      76,372            39,690       

Shareholders’ equity

      330,193            349,439       
  

 

 

         

 

 

       

Total Liabilities and Shareholders’ Equity

    $ 3,149,919          $ 3,103,493       
  

 

 

         

 

 

       

Net interest income and interest rate spread

 

   $ 47,200        3.26 %      $ 47,669        3.25 % 

Net interest margin ***

           3.40 %           3.41 % 

 

*

- Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $977 thousand and $814 thousand for the periods ended June 30, 2022 and 2021, respectively.

**

- Average balance includes nonaccrual loans

***

- Average yield on investments were calculated by adjusting the average balances of taxable and nontaxable securities by unrealized losses of $12.5 million and $887 thousand, respectively. These adjustments were also made when calculating the yield on earning assets and the margin.

Provision for loan losses was $400 thousand for the second quarter of 2022 while nothing was provided in the second quarter of 2021. Provision for loan losses was $700 thousand for the first six months of 2022 compared to $830 thousand for the first six months of 2021. The reserve ratio was 1.33% at both June 30, 2022 and December 31, 2021.

For the second quarter of 2022, noninterest income totaled $5.6 million, a decrease of $3.4 million, or 37.6%, compared to the prior year’s second quarter.

 

Noninterest income                            
(unaudited - dollars in thousands)    Three months ended June 30,  
     2022      2021      $ change      % change  

Service charges

    $ 1,540      $ 1,317      $ 223        16.9 % 

Net gain on sale of securities

      6        1,784        (1,778 )       -99.7 % 

Net gain/(loss) on equity securities

      39        53        (14 )       -26.4 % 

Net gain on sale of loans

      573        2,218        (1,645 )       -74.2 % 

ATM/Interchange fees

      1,355        1,373        (18 )       -1.3 % 

Wealth management fees

      1,228        1,188        40        3.4 % 

Bank owned life insurance

      233        248        (15 )       -6.0 % 

Tax refund processing fees

      475        475        —          0.0 % 

Other

      186        369        (183 )       -49.6 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest income

    $ 5,635      $ 9,025      $ (3,390 )       -37.6 % 
  

 

 

     

 

 

     

 

 

     

Service charges increased due to a $222 thousand increase in overdraft fees.

Net gain on sale of securities decreased due to the $1.8 million gain on the sale of Visa Class B shares in 2021.

Net gain on sale of loans decreased primarily because of a decrease in volume of loans sold, which was primarily driven by increased market rates. Proceeds from the sale of loans sold totaled $35.5 million and $69.2 million during the three months ended June 30, 2022 and 2021, respectively.

Other income decreased as result of an increase in insurance loss reserves from Civista’s reinsurance subsidiary.

For the six months ended June 30, 2022, noninterest income totaled $13.3 million, a decrease of $4.9 million, or 27.1%, compared to the same period in the prior year.

 

Noninterest income                            
(unaudited - dollars in thousands)    Six months ended June 30,  
     2022      2021      $ change      % change  

Service charges

    $ 3,119      $ 2,573      $ 546        21.2 % 

Net gain on sale of securities

      6        1,783        (1,777 )       -99.7 % 

Net gain/(loss) on equity securities

      89        141        (52 )       -36.9 % 

Net gain on sale of loans

      1,509        4,963        (3,454 )       -69.6 % 

ATM/Interchange fees

      2,596        2,620        (24 )       -0.9 % 

Wealth management fees

      2,505        2,334        171        7.3 % 

Bank owned life insurance

      477        491        (14 )       -2.9 % 

Tax refund processing fees

      2,375        2,375        —          0.0 % 

Other

      602        935        (333 )       -35.6 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest income

    $ 13,278      $ 18,215      $ (4,937 )       -27.1 % 
  

 

 

     

 

 

     

 

 

     

Service charges increased due to a $445 thousand increase overdraft fees and a $101 thousand increase in service charges.

Net gain on sale of securities decreased due to the $1.8 million gain on the sale of Visa Class B shares in 2021.

Net gain on sale of loans decreased primarily because of a decrease in volume of loans sold, which was primarily driven by increased market rates. Proceeds from the sale of loans sold totaled $73.7 million and $147.8 million during the six months ended June 30, 2022 and 2021, respectively.

Wealth management fees increased due to an increase in the average rate earned on the assets in 2022.

Other income decreased as result of an increase in insurance loss reserves from Civista’s reinsurance subsidiary.

For the second quarter of 2022, noninterest expense totaled $20.4 million, a decrease of $1.9 million, or 8.5%, compared to the prior year’s second quarter.

 

Noninterest expense                            
(unaudited - dollars in thousands)    Three months ended June 30,  
     2022      2021      $ change      % change  

Compensation expense

    $ 11,947      $ 11,406      $ 541        4.7 % 

Net occupancy and equipment

      1,588        1,489        99        6.6 % 

Contracted data processing

      433        490        (57 )       -11.6 % 

Taxes and assessments

      823        793        30        3.8 % 

Professional services

      1,209        741        468        63.2 % 

Amortization of intangible assets

      217        223        (6 )       -2.7 % 

ATM/Interchange expense

      542        656        (114 )       -17.4 % 

Marketing

      380        343        37        10.8 % 

Software maintenance expense

      790        545        245        45.0 % 

Other

      2,450        5,578        (3,128 )       -56.1 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest expense

    $ 20,379      $ 22,264      $ (1,885 )       -8.5 % 
  

 

 

     

 

 

     

 

 

     

Compensation expense increased primarily due to annual salary increases, which occur every year in April, and commission expense. Salaries, Overtime and Temp fees increased $348.7 thousand, or 5.2%. Commissions increased $141.2 thousand, or 7.8%.

Taxes and assessments increased as Franchise tax expense increased due to an increase in equity capital, which is the basis of the Ohio Financial Institutions tax. This was partially offset by a decrease in FDIC assessments due to lower assessment multipliers charged to Civista.

Professional services primarily increased due to a $236 thousand increase in consulting fees and a $118 thousand increase in merger related legal and audit.

The quarter-over-quarter decrease in ATM/Interchange expense is primarily the result of a $94 thousand decrease in billings from MasterCard.

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 decrease in other operating expense is primarily due to a prepayment fee paid in the second quarter of 2021 related to the prepayment of an FHLB long-term advance.

The efficiency ratio was 67.0% for the quarter ended June 30, 2022 compared to 66.9% for the quarter ended June 30, 2021. The change in the efficiency ratio is primarily due to a decrease in noninterest interest income.

Civista’s effective income tax rate for the second quarter 2022 was 15.6% compared to 13.6% in 2021.

For the six months ended June 30, 2022, noninterest expense totaled $40.6 million, a decrease of $815 thousand, or 2.0%, compared to the same period in the prior year.

 

Noninterest expense                            
(unaudited - dollars in thousands)    Six months ended June 30,  
     2022      2021      $ change      % change  

Compensation expense

    $ 24,170      $ 23,188      $ 982        4.2 % 

Net occupancy and equipment

      3,233        3,127        106        3.4 % 

Contracted data processing

      1,053        933        120        12.9 % 

Taxes and assessments

      1,617        1,678        (61 )       -3.6 % 

Professional services

      2,258        1,479        779        52.7 % 

Amortization of intangible assets

      434        445        (11 )       -2.5 % 

ATM/Interchange expense

      1,055        1,249        (194 )       -15.5 % 

Marketing

      697        641        56        8.7 % 

Software maintenance expense

      1,498        1,053        445        42.3 % 

Other

      4,622        7,659        (3,037 )       -39.7 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest expense

    $ 40,637      $ 41,452      $ (815 )       -2.0 % 
  

 

 

     

 

 

     

 

 

     

The increase in compensation expense was due to increased payroll, 401k expenses, payroll taxes and commission and incentive-based costs. Payroll and payroll related expenses increased due to annual pay increases.

Contracted data processing fees increased due to merger related system deconversion fees of $234, offset by a decrease in computer processing fees.

The decrease in ATM/Interchange expense is the result of a decrease in billings from MasterCard 2022 and lower processing fees.

Professional services primarily increased due to a $428 thousand increase in merger related legal and audit and a $240 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 decrease in other expense is due to the 2021 prepayment penalty of $3.7 million related to the early payoff of an FHLB long-term advance. This was partially offset by a $393 thousand credit valuation adjustment to mortgage servicing rights.    

The efficiency ratio was 66.1% for the six months ended June 30, 2022 compared to 62.1% for the six months ended June 30, 2021. The change in the efficiency ratio is primarily due to a decrease in noninterest interest income.

Civista’s effective income tax rate for the first six months of 2022 was 15.5% compared to 15.6% in same period in 2021.    

Balance Sheet

Total assets increased $26.2 million, or 0.9%, from December 31, 2021 to June 30, 2022, primarily due to an increase in the loan portfolio of $66.3 million, or 3.3%. This increase was partially offset by a $31.0 million, or 11.7%, decrease in cash and a $29.1 million, or 5.2%, decrease in the investment portfolio.

 

End of period loan balances                            
(unaudited - dollars in thousands)                            
     June 30,
2022		      December 31,
2021		      $ Change      % Change  

Commercial and Agriculture

    $ 222,830      $ 203,293      $ 19,537        9.6 % 

Paycheck protection program loans

      3,710        43,209        (39,499 )       -91.4 % 

Commercial Real Estate:

            

Owner Occupied

      304,472        295,452        9,020        3.1 % 

Non-owner Occupied

      876,695        829,310        47,385        5.7 % 

Residential Real Estate

      452,628        430,060        22,568        5.2 % 

Real Estate Construction

      170,633        157,127        13,506        8.6 % 

Farm Real Estate

      23,295        28,419        (5,124 )       -18.0 % 

Consumer and Other

      9,958        11,009        (1,051 )       -9.5 % 
  

 

 

     

 

 

     

 

 

     

Total Loans

    $ 2,064,221      $ 1,997,879      $ 66,342        3.3 % 
  

 

 

     

 

 

     

 

 

     

Loan balances increased $66.3 million, or 3.3% in the first half of 2022, including the PPP balance decline. Removing the effect of the PPP loans, the loan portfolio increased $105.8 million or 5.4%. Commercial Real Estate continued to grow due to consistent demand in both the Non-owner Occupied and Owner Occupied categories. Residential Real Estate has grown due to residential construction loans rolling into the portfolio as well as demand for Jumbo Loans and for our Community View CRA product. Commercial and Agriculture loans continue to grow as we successfully onboard new clients aided by our upgrade in both our Treasury Management suite of products and digital banking. Real Estate Construction continues to increase as the construction season is at its peak in the Midwest. Construction demand remains strong and construction availability continues to be at all-time highs.

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, $395.7 million have been forgiven or have paid off. We recognized $424 thousand of PPP fees in income during the quarter and $1.6 million of PPP fees in income during the six months ended June 30, 2022. As of June 30, 2022, $160 thousand of unearned PPP fees remain.

Deposits

Total deposits increased $38.8 million, or 1.6%, from December 31, 2021 to June 30, 2022.

 

End of period deposit balances                            
(unaudited - dollars in thousands)                            
     June 30,
2022		      December 31,
2021		      $ Change      % Change  

Noninterest-bearing demand

    $ 842,536      $ 788,906      $ 53,630        6.8 % 

Interest-bearing demand

      529,812        537,510        (7,698 )       -1.4 % 

Savings and money market

      861,368        843,837        17,531        2.1 % 

Time deposits

      221,786        246,448        (24,662 )       -10.0 % 
  

 

 

     

 

 

     

 

 

     

Total Deposits

    $ 2,455,502      $ 2,416,701      $ 38,801        1.6 % 
  

 

 

     

 

 

     

 

 

     

The increase in noninterest-bearing demand of $53.6 million was primarily due to a $39.5 million increase in balances related to the tax refund processing program, which is a seasonal increase. Public fund demand accounts also increased $14.3 million. Interest-bearing demand deposits decreased due to a $29.7 million decrease in business demand accounts, partially offset by a $20.0 million increase in public fund demand accounts. The increase in savings and money market was primarily due to a $27.9 million increase in statement savings, a $16.0 million increase in personal money markets, and a $9.4 million increase in public fund money markets. These increases were partially offset by decreases of $19.0 million in brokered money market accounts and $19.2 million in business money market accounts. Time deposits, both under $100 thousand and over $100 thousand, have decreased.

FHLB advances totaled $75.0 million at June 30, 2022, unchanged from December 31, 2021.

Stock Repurchase Program

During the first six months of 2022, Civista repurchased 448,199 shares for $10.5 million at a weighted average price of $23.40 per share, including 392,847 shares repurchased under the previous authorization for $9.3 million. We have approximately $12.3 million remaining of the current $13.5 million repurchase authorization, which was approved in April 2022. 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 $53.2 million from December 31, 2021 to June 30, 2022, primarily due to a $55.1 million decrease in accumulated other comprehensive income(loss). The decrease in other comprehensive income(loss) does not impact our capital adequacy ratios. Shareholders’ equity also decreased due to a $10.6 million repurchase of treasury shares. Retained earnings increased $12.0 million.

Asset Quality

Civista recorded net recoveries of $94 thousand for the six months of 2022 compared to net recoveries of $399 thousand for the same period of 2021. The allowance for loan losses to loans was 1.33% at June 30, 2022 and 1.33% at December 31, 2021.    

 

Allowance for Loan Losses              
(dollars in thousands)              
     June 30,      June 30,  
     2022      2021  

Beginning of period

    $ 26,641      $ 25,028  

Charge-offs

      (90 )       (71 ) 

Recoveries

      184        410  

Provision

      700        830  
  

 

 

     

 

 

  

End of period

    $ 27,435      $ 26,197  
  

 

 

     

 

 

  

Non-performing assets at June 30, 2022 were $4.8 million, a 10.8% decrease from December 31, 2021. The non-performing assets to assets ratio decreased to 0.16% from 0.18% at December 31, 2021. The allowance for loan losses to non-performing loans increased to 572.78% from 496.10% at December 31, 2021.    

 

Non-performing Assets              
(dollars in thousands)    June 30,      December 31,  
     2022      2021  

Non-accrual loans

    $ 3,561      $ 3,873  

Restructured loans

      1,229        1,497  
  

 

 

     

 

 

  

Total non-performing loans

      4,790        5,370  

Other Real Estate Owned

      —          —    
  

 

 

     

 

 

  

Total non-performing assets

    $ 4,790      $ 5,370  
  

 

 

     

 

 

  

Conference Call and Webcast

Civista Bancshares, Inc. will also host a conference call to discuss the Company’s financial results for the second quarter of 2022 at 1:00 p.m. ET on Thursday, July 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. second 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.

Civista Bancshares, Inc. is a $3.0 billion financial holding company headquartered in Sandusky, Ohio. Prior to the merger, Civista’s banking subsidiary, Civista Bank, operated 36 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana and Northern Kentucky. Upon completion of the merger, Civista will be an approximately $3.3 billion financial holding company, and Civista Bank will operate an additional seven locations in Northwestern Ohio. Additional information on Civista may be accessed at www.civb.com, but information at that website is not part of this press release nor is it part of any filing by Civista with the Securities and Exchange Commission. Civista’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

Civista Bancshares, Inc.

Financial Highlights

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

Consolidated Condensed Statement of Income

 

     Three Months Ended     Six Months Ended  
     June 30,     June 30,  
     2022     2021     2022     2021  

Interest income

    $ 26,064     $ 25,498     $ 50,730     $ 51,224  

Interest expense

      1,796       1,657       3,530       3,555  
  

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income

      24,268       23,841       47,200       47,669  

Provision for loan losses

      400       —         700       830  
  

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income after provision

      23,868       23,841       46,500       46,839  

Noninterest income

      5,635       9,025       13,278       18,215  

Noninterest expense

      20,379       22,264       40,637       41,451  
  

 

 

    

 

 

    

 

 

    

 

 

  

Income before taxes

      9,124       10,602       19,141       23,602  

Income tax expense

      1,423       1,438       2,974       3,681  
  

 

 

    

 

 

    

 

 

    

 

 

  

Net income

      7,701       9,164       16,167       19,922  

Dividends paid per common share

    $ 0.14     $ 0.12     $ 0.28     $ 0.24  

Earnings per common share,

         

basic

    $ 0.53     $ 0.59     $ 1.10     $ 1.27  

diluted

    $ 0.53     $ 0.59     $ 1.10     $ 1.27  

Average shares outstanding,

         

basic

      14,540,868       15,529,766       14,696,291       15,674,231  

diluted

      14,540,868       15,529,766       14,696,291       15,674,231  

Selected financial ratios:

         

Return on average assets

      1.00 %      1.23 %      1.04 %      1.29 % 

Return on average equity

      9.86 %      10.52 %      9.87 %      11.50 % 

Dividend payout ratio

      26.42 %      20.34 %      25.45 %      18.88 % 

Net interest margin (tax equivalent)

      3.43 %      3.53 %      3.40 %      3.41 % 

Selected Balance Sheet Items

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

 

     June 30,     December 31,  
     2022     2021  
     (unaudited)     (unaudited)  

Cash and due from financial institutions

    $ 233,281     $ 264,239  

Investment in time deposits

      1,236       1,730  

Investment securities

      531,978       560,946  

Loans held for sale

      4,167       1,972  

Loans

      2,064,221       1,997,879  

Less: allowance for loan losses

      (27,435 )      (26,641 ) 
  

 

 

    

 

 

  

Net loans

      2,036,786       1,971,238  

Other securities

      18,511       17,011  

Premises and equipment, net

      24,151       22,445  

Goodwill and other intangibles

      84,021       84,432  

Bank owned life insurance

      47,118       46,641  

Other assets

      57,850       42,251  
  

 

 

    

 

 

  

Total assets

    $ 3,039,099     $ 3,012,905  
  

 

 

    

 

 

  

Total deposits

    $ 2,455,502     $ 2,416,701  

Federal Home Loan Bank advances

      75,000       75,000  

Securities sold under agreements to repurchase

      17,479       25,495  

Subordinated debentures

      103,737       103,735  

Securities purchased payable

      15,025       3,524  

Tax refunds in process

      39,448       549  

Accrued expenses and other liabilities

      30,846       32,689  

Total shareholders’ equity

      302,062       355,212  
  

 

 

    

 

 

  

Total liabilities and shareholders’ equity

    $ 3,039,099     $ 3,012,905  
  

 

 

    

 

 

  

Shares outstanding at period end

      14,537,433       14,954,200  

Book value per share

    $ 20.78     $ 23.75  

Equity to asset ratio

      9.94 %      11.79 % 

Selected asset quality ratios:

     

Allowance for loan losses to total loans

      1.33 %      1.33 % 

Non-performing assets to total assets

      0.16 %      0.18 % 

Allowance for loan losses to non-performing loans

      572.78 %      496.10 % 

Non-performing asset analysis

     

Nonaccrual loans

    $ 3,561     $ 3,873  

Troubled debt restructurings

      1,229       1,497  

Other real estate owned

      —         —    
  

 

 

    

 

 

  

Total

    $ 4,790     $ 5,370  
  

 

 

    

 

 

  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

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

End of Period Balances

    2022     2022     2021     2021     2021  

Assets

           

Cash and due from banks

    $ 233,281     $ 412,698     $ 264,239     $ 250,943     $ 243,083  

Investment in time deposits

      1,236       1,728       1,730       2,222       2,223  

Investment securities

      531,978       553,499       560,946       499,226       458,831  

Loans held for sale

      4,167       4,794       1,972       5,810       6,618  

Loans

      2,064,221       2,018,188       1,997,879       2,004,814       2,019,196  

Allowance for loan losses

      (27,435 )      (27,033 )      (26,641 )      (26,568 )      (26,197 ) 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net Loans

      2,036,786       1,991,155       1,971,238       1,978,246       1,992,999  

Other securities

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

Premises and equipment, net

      24,151       22,110       22,445       22,716       22,817  

Goodwill and other intangibles

      84,021       84,251       84,432       84,589       84,980  

Bank owned life insurance

      47,118       46,885       46,641       46,728       46,467  

Other assets

      57,850       48,726       42,251       45,667       47,010  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Assets

    $ 3,039,099     $ 3,184,357     $ 3,012,905     $ 2,953,158     $ 2,925,565  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Liabilities

           

Total deposits

    $ 2,455,502     $ 2,615,137     $ 2,416,701     $ 2,434,766     $ 2,402,992  

Federal Home Loan Bank advances

      75,000       75,000       75,000       75,000       75,000  

Securities sold under agreement to repurchase

      17,479       23,931       25,495       23,331       24,916  

Subordinated debentures

      103,737       103,704       103,735       30,349       30,349  

Securities purchased payable

      15,025       1,876       3,524       3,857       1,469  

Tax refunds in process

      39,448       10,232       549       911       3,173  

Accrued expenses and other liabilities

      30,846       26,785       32,689       36,494       35,253  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total liabilities

      2,737,037       2,856,665       2,657,693       2,604,708       2,573,152  

Shareholders’ Equity

           

Common shares

      278,240       277,919       277,741       277,627       277,495  

Retained earnings

      137,592       131,934       125,558       116,680       109,178  

Treasury shares

      (67,528 )      (61,472 )      (56,907 )      (55,155 )      (45,953 ) 

Accumulated other comprehensive income(loss)

      (46,242 )      (20,689 )      8,820       9,298       11,693  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total shareholders’ equity

      302,062       327,692       355,212       348,450       352,413  

Total Liabilities and Shareholders’ Equity

    $ 3,039,099     $ 3,184,357     $ 3,012,905     $ 2,953,158     $ 2,925,565  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Quarterly Average Balances

           

Assets:

           

Earning assets

    $ 2,866,362     $ 2,814,589     $ 2,773,498     $ 2,747,450     $ 2,776,131  

Securities

      556,352       575,359       522,058       482,642       413,494  

Loans

      2,033,378       2,006,984       1,973,989       2,010,665       2,054,784  

Liabilities and Shareholders’ Equity

           

Total deposits

    $ 2,524,971     $ 2,557,638     $ 2,430,613     $ 2,437,580     $ 2,448,183  

Interest-bearing deposits

      1,630,084       1,623,984       1,619,560       1,588,079       1,580,622  

Other interest-bearing liabilities

      200,005       204,299       155,094       127,511       157,264  

Total shareholders’ equity

      313,272       347,302       348,971       348,970       349,256  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  

Income statement

    June 30,
2022		      March 31,
2022		      December 31,
2021		      September 30,
2021		      June 30,
2021		  

Total interest and dividend income

    $ 26,064      $ 24,666      $ 24,735      $ 25,784      $ 25,498  

Total interest expense

      1,796        1,734        1,412        1,351        1,657  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net interest income

      24,268        22,932        23,323        24,433        23,841  

Provision for loan losses

      400        300        —          —          —    

Noninterest income

      5,635        7,643        6,811        6,426        9,025  

Noninterest expense

      20,379        20,258        16,963        19,251        22,265  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Income before taxes

      9,124        10,017        13,171        11,608        10,601  

Income tax expense

      1,423        1,551        2,189        1,966        1,437  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income

    $ 7,701      $ 8,466      $ 10,982      $ 9,642      $ 9,164  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Per share data

               

Earnings per common share

               

Basic

               

Net income

    $ 7,701      $ 8,466      $ 10,982      $ 9,642      $ 9,164  

Less allocation of earnings and dividends to participating securities

      39        32        51        46        43  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income available to common shareholders - basic

    $ 7,662      $ 8,434      $ 10,931      $ 9,596      $ 9,121  

Weighted average common shares outstanding

      14,615,154        14,909,192        15,009,376        15,168,233        15,602,329  

Less average participating securities

      74,286        55,905        70,349        72,071        72,563  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

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

      14,540,868        14,853,287        14,939,027        15,096,162        15,529,766  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Earnings per common share

               

Basic

    $ 0.53      $ 0.57      $ 0.73      $ 0.64      $ 0.59  

Diluted

      0.53        0.57        0.73        0.64        0.59  

Common shares dividend paid

    $ 2,042      $ 2,091      $ 2,104      $ 2,140      $ 1,885  

Dividends paid per common share

      0.14        0.14        0.14        0.14        0.12  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  

Asset quality

    June
2022		     March
2022		     December 31,
2021		     September 30,
2021		     June 30,
2021		  

Allowance for loan losses, beginning of period

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

Charge-offs

      (60 )      (30 )      (11 )      (77 )      (25 ) 

Recoveries

      62       122       84       448       89  

Provision

      400       300       —         —         —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Allowance for loan losses, end of period

    $ 27,435     $ 27,033     $ 26,641     $ 26,568     $ 26,197  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ratios

           

Allowance to total loans

      1.33 %      1.34 %      1.33 %      1.33 %      1.30 % 

Allowance to nonperforming assets

      572.78 %      501.50 %      496.10 %      501.01 %      443.50 % 

Allowance to nonperforming loans

      572.78 %      501.50 %      496.10 %      503.50 %      443.50 % 

Nonperforming assets

           

Nonperforming loans

    $ 4,790     $ 5,390     $ 5,370     $ 5,277     $ 5,907  

Other real estate owned

      —         —         —         26       —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total nonperforming assets

    $ 4,790     $ 5,390     $ 5,370     $ 5,303     $ 5,907  

Capital and liquidity

           

Tier 1 leverage ratio

      9.87 %      9.50 %      10.21 %      10.01 %      9.92 % 

Tier 1 risk-based capital ratio

      13.63 %      14.02 %      14.35 %      14.18 %      14.65 % 

Total risk-based capital ratio

      18.24 %      18.74 %      19.17 %      15.43 %      15.90 % 

Tangible common equity ratio (1)

      7.38 %      7.85 %      9.25 %      9.20 %      9.42 % 

 

(1)

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

Reconciliation of Non-GAAP Financial Measures

(Unaudited - dollars in thousands except share data)

 

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

Tangible Common Equity

           

Total Shareholder’s Equity - GAAP

    $ 302,062     $ 327,692     $ 355,212     $ 348,450     $ 352,413  

Less: Goodwill and intangible assets

      84,021       84,251       84,432       84,589       84,980  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible common equity (Non-GAAP)

    $ 218,041     $ 243,441     $ 270,780     $ 263,861     $ 267,433  

Total Shares Outstanding

      14,537,433       14,797,232       14,954,200       15,029,972       15,434,592  

Tangible book value per share

    $ 15.00     $ 16.45     $ 18.11     $ 17.56     $ 17.33  

Tangible Assets

           

Total Assets - GAAP

    $ 3,039,099     $ 3,184,357     $ 3,011,983     $ 2,952,236     $ 2,924,643  

Less: Goodwill and intangible assets

      84,021       84,251       84,432       84,589       84,980  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible assets (Non-GAAP)

    $ 2,955,078     $ 3,100,106     $ 2,927,551     $ 2,867,647     $ 2,839,663  

Tangible common equity to tangible assets

      7.38 %      7.85 %      9.25 %      9.20 %      9.42 % 
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Document and Entity Information
Jul. 28, 2022
Cover [Abstract]  
Security Exchange Name NASDAQ
Amendment Flag false
Entity Central Index Key 0000944745
Document Type 8-K
Document Period End Date Jul. 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
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