0001193125-23-124511.txt : 20230428 0001193125-23-124511.hdr.sgml : 20230428 20230428083054 ACCESSION NUMBER: 0001193125-23-124511 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230428 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230428 DATE AS OF CHANGE: 20230428 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: 23860525 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 d445728d8k.htm 8-K 8-K
NASDAQ false 0000944745 0000944745 2023-04-28 2023-04-28

 

 

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, 2023

 

 

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, 2023, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three-month period ended March 31, 2023. 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, 2023.

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: April 28, 2023      

/s/ Todd A. Michel

      Todd A. Michel,
      Senior Vice President & Controller
 EX-99.1 2 d445728dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

Civista Bancshares, Inc. Announces First Quarter 2023 Financial Results

Sandusky, Ohio, April 28, 2023 /PRNewswire/ – Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) announced its unaudited financial results for the three months ending March 31, 2023.

First quarter highlights

 

  •  

Net income of $12.9 million, or $0.82 per diluted share, for the first quarter of 2023, compared to $8.5 million, or $0.57 per diluted share, for the first quarter of 2022.

 

  •  

Low cost of deposits of 49 basis points and total funding costs of 114 basis points for the quarter.

 

  •  

Based on the March 31, 2023 market close share price of $16.88, the $0.14 first quarter dividend is equivalent to an annualized yield of 3.32% and a dividend payout ratio of 17.07%.

 

  •  

On January 1, 2023, Civista adopted ASC 326 (“CECL”) which resulted in an adjustment to the reserve of approximately $4.3 million and an additional $3.4 million reserve for unfunded commitments.

“With all the turmoil in the industry, strong core deposit franchises like Civista, matter again. Our deposit base is well diversified, with no concentrations and approximately 83 percent of our deposits are insured. It’s these core deposits that drive our better than peer net interest margin and strong profitability. Our net interest margin for the quarter was 4.11% and our ROAA was 1.47%.” said Dennis G. Shaffer, CEO and President of Civista.

Results of Operations:

For the three-month period ended March 31, 2023 and 2022

Net interest income increased $9.7 million, or 42.2%, for the first quarter of 2023 compared to the same period of 2022, due to an increase in interest income partially offset by an increase in interest expense. Noninterest income also increased due primarily to the addition of lease revenue and residual income related to the acquisition of VFG.

Net interest margin increased 73 basis points to 4.11% for the first quarter of 2023, compared to 3.38% for the same period a year ago.

Interest income increased by $16.9 million, or 68.4%, for the first quarter of 2023, compared to the same period last year. The increase in interest income was driven by an increase of $397.3 million in average earning assets and to a 159-basis point increase in yield on average earning assets. The increase in average earning assets and the increase in yield contributed to the increase in interest income by $7.4 million and $9.5 million, respectively.

Interest expense increased $7.2 million, or 415.5%, for the first quarter of 2023, compared to the same period last year. The average rate paid on interest-bearing liabilities increased 126 basis points, while average interest-bearing liabilities increased $379.3 million. Interest expense increased $4.4 million due to the increase in average liabilities and increased $2.8 million due to the increase in cost of liabilities.

Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Three Months Ended March 31,  
     2023     2022  
     Average
balance		     Interest      Yield/
rate*		     Average
balance		     Interest      Yield/
rate*		  

Assets:

               

Interest-earning assets:

               

Loans **

    $ 2,548,518     $ 36,398        5.79 %    $ 2,006,984     $ 21,038        4.25 % 

Taxable securities

      374,851       2,834        2.77 %      314,493       1,720        2.20 % 

Non-taxable securities

      281,136       2,262        3.81 %      260,866       1,789        3.67 % 

Interest-bearing deposits in other banks

      7,397       45        2.47 %      232,246       119        0.21 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-earning assets

    $ 3,211,902       41,539        5.22 %    $ 2,814,589       24,666        3.63 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-earning assets:

               

Cash and due from financial institutions

      54,136            223,353       

Premises and equipment, net

      62,776            22,320       

Accrued interest receivable

      10,655            7,157       

Intangible assets

      135,554            84,374       

Bank owned life insurance

      53,630            46,726       

Other assets

      61,292            37,346       

Less allowance for loan losses

      (30,454 )           (26,775 )      
  

 

 

         

 

 

       

Total Assets

    $ 3,559,491          $ 3,209,090       
  

 

 

         

 

 

       

Liabilities and Shareholders’ Equity:

               

Interest-bearing liabilities:

               

Demand and savings

    $ 1,384,070     $ 1,084        0.32 %    $ 1,383,372     $ 234        0.07 % 

Time

      308,400       2,148        2.82 %      240,612       471        0.79 % 

Short-term FHLB advances

      372,226       4,258        4.64 %      —         —          0.00 % 

Long-term FHLB advances

      3,442       19        2.24 %      75,000       190        1.03 % 

Other borrowings

      14,817       257        7.04 %      358       —          0.00 % 

Subordinated debentures

      103,814       1,169        4.57 %      103,713       836        3.27 % 

Repurchase agreements

      20,823       3        0.06 %      25,228       3        0.05 % 
  

 

 

    

 

 

       

 

 

    

 

 

     

Total interest-bearing liabilities

    $ 2,207,592       8,938        1.64 %    $ 1,828,283       1,734        0.38 % 
  

 

 

    

 

 

     

 

 

    

 

 

    

 

 

     

 

 

  

Noninterest-bearing deposits

      961,886            933,654       

Other liabilities

      48,854            99,851       

Shareholders’ equity

      341,159            347,302       
  

 

 

         

 

 

       

Total Liabilities and Shareholders’ Equity

    $ 3,559,491          $ 3,209,090       
  

 

 

         

 

 

       

Net interest income and interest rate spread

      $ 32,601        3.58 %      $ 22,932        3.25 % 

Net interest margin

           4.11 %           3.38 % 

 

*

Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $601 thousand and $467 thousand for the periods ended March 31, 2023 and 2022, 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 $63.2 million in 2023 and by unrealized gains of $7.6 million in 2022. These adjustments were also made when calculating the yield on earning assets and the margin.

On January 1, 2023, Civista adopted CECL, which resulted in an adjustment to the reserve of approximately $4.3 million and an additional $3.4 million reserve for unfunded commitments. Provision for credit losses for the first quarter of 2023 was $620 thousand compared to $300 thousand for the first quarter of 2022. The reserve ratio increased to 1.33% as of March 31, 2023 from 1.12% at December 31, 2022. Provision for unfunded commitments for the first quarter of 2023 was $201 thousand. There was no provision for unfunded commitments in the first quarter of 2022..

For the first quarter of 2023, noninterest income totaled $11.1 million, a decrease of $3.4 million, or 44.8%, compared to the prior year’s first quarter.

Noninterest income

(unaudited - dollars in thousands)

 

     Three months ended March 31,  
     2023      2022      $ change      % change  

Service charges

    $ 1,773      $ 1,579      $ 194        12.3 % 

Net loss on sale of securities

      —          —          —          0.0 % 

Net gain (loss) on equity securities

      (68 )       50        (118 )       -236.0 % 

Net gain on sale of loans

      631        936        (305 )       -32.6 % 

ATM/Interchange fees

      1,353        1,241        112        9.0 % 

Wealth management fees

      1,193        1,277        (84 )       -6.6 % 

Bank owned life insurance

      253        244        9        3.7 % 

Lease revenue and residual income

      2,046        —          2,046        0.0 % 

Tax refund processing fees

      1,900        1,900        —          0.0 % 

Swap fees

      61        —          61        0.0 % 

Other

      1,926        416        1,510        363.0 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest income

    $ 11,068      $ 7,643      $ 3,425        44.8 % 
  

 

 

     

 

 

     

 

 

     

Service charges increased due to a $105 thousand increase in service charges on deposit accounts and a $89 thousand increase in overdraft fees.

Net gain on sale of loans decreased primarily due to a decrease in volume of loans sold. During the three-months ended March 31, 2023, 63 loans were sold, totaling $9.2 million. During the three-months ended March 31, 2022, 208 loans were sold, totaling $38.2 million.

Lease revenue and residual income increased $2.0 million due to the acquisition of VFG.

Other income increased as result of a $1.5 million fee collected associated with the renewal of the company’s contract with MasterCard.

For the first quarter of 2023, noninterest expense totaled $27.6 million, an increase of $7.4 million, or 36.4%, compared to the prior year’s first quarter.

Noninterest expense

(unaudited - dollars in thousands)

 

     Three months ended March 31,  
     2023      2022      $ change      % change  

Compensation expense

    $ 15,105      $ 12,223      $ 2,882        23.6 % 

Net occupancy and equipment

      4,120        1,645        2,475        150.5 % 

Contracted data processing

      520        620        (100 )       -16.1 % 

Taxes and assessments

      774        794        (20 )       -2.5 % 

Professional services

      1,555        1,049        506        48.2 % 

Amortization of intangible assets

      398        217        181        83.4 % 

ATM/Interchange expense

      580        513        67        13.1 % 

Marketing

      505        317        188        59.3 % 

Software maintenance expense

      878        708        170        24.0 % 

Other

      3,198        2,172        1,026        47.2 % 
  

 

 

     

 

 

     

 

 

     

Total noninterest expense

    $ 27,633      $ 20,258      $ 7,375        36.4 % 
  

 

 

     

 

 

     

 

 

     

Compensation expense increased primarily due to the acquisition of Comunibanc Corp and VFG. The quarter-to-date average full time equivalent (FTE) employees were 532.4 at March 31, 2023, an increase of 88.9 FTEs over the same period in 2022.

The increase in occupancy and equipment expense is due to increases related to the acquisition of Comunibanc Corp and the opening of a new branch in Ohio. Additionally, Equipment expense increased $2.0 million due to increases in equipment depreciation related to the acquisition of VFG.

Contracted data processing fees decreased due to merger-related system deconversion fees paid in the first quarter of 2022.

Professional services increased due to acquisition advisory costs of $115 thousand, advisory fees for the company’s MasterCard contract of $400 thousand and consulting fees related to CECL implementation of $29 thousand.

The increase in amortization of intangible assets is related to the merger with Comunibanc Corp.

Marketing expense increased due to a general increase in marketing and increase marketing efforts in newly acquired markets.

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 increase in other operating expense is primarily due to increases in promotional expenses of $274 thousand, bad check losses of $115 thousand, ATM/ACH losses of $217 thousand and a provision for credit losses on unfunded commitments of $201 thousand.

The efficiency ratio was 62.4% for the quarter ended March 31, 2023 compared to 65.2% for the quarter ended March 31, 2022. The change in the efficiency ratio is primarily due to an increase in noninterest expense offset by an increase in net interest income.

Civista’s effective income tax rate for the first quarter 2023 was 16.4% compared to 15.5% in 2022.

Balance Sheet

Total assets increased $49.3 million, or 1.4%, from December 31, 2022 to March 31, 2023, primarily due to an increase in the loan portfolio of $33.4 million, or 1.3%. Additionally, the securities portfolio increased by $14.0 million, and cash increased $ 9.4 million.

End of period loan balances

(unaudited - dollars in thousands)

 

     March 31,
2023		      December 31,
2022		      $ Change      % Change  

Commercial and Agriculture

    $ 271,160      $ 278,595      $ (7,435 )       -2.7 % 

Commercial Real Estate:

            

Owner Occupied

      375,825        371,147        4,678        1.3 % 

Non-owner Occupied

      1,043,635        1,018,736        24,899        2.4 % 

Residential Real Estate

      560,978        552,781        8,197        1.5 % 

Real Estate Construction

      247,253        243,127        4,126        1.7 % 

Farm Real Estate

      24,040        24,708        (668 )       -2.7 % 

Lease financing receivable

      37,570        36,797        773        2.1 % 

Consumer and Other

      19,605        20,775        (1,170 )       -5.6 % 
  

 

 

     

 

 

     

 

 

     

Total Loans

    $ 2,580,066      $ 2,546,666      $ 33,400        1.3 % 
  

 

 

     

 

 

     

 

 

     

Loan balances increased $33.4 million, or 1.3% in the first quarter. Commercial revolving line of credit balances have consistently been less than forty percent advanced. 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 have started to draw with the spring construction season. Construction demand remains strong and construction availability continues to be near all-time highs. Residential Real Estate has grown slightly with new production in our CRA product, more home construction loans, and more ARM products in this higher rate environment.

Deposits

Total deposits increased $223.5 million, or 8.5%, from December 31, 2022 to March 31, 2023.

End of period deposit balances

(unaudited - dollars in thousands)

 

     March 31,
2023		      December 31,
2022		      $ Change      % Change  

Noninterest-bearing demand

    $ 938,967      $ 896,333      $ 42,634        4.8 % 

Interest-bearing demand

      541,027        527,879        13,148        2.5 % 

Savings and money market

      836,743        876,427        (39,684 )       -4.5 % 

Time deposits

      526,779        319,345        207,434        65.0 % 
  

 

 

     

 

 

     

 

 

     

Total Deposits

    $ 2,843,516      $ 2,619,984      $ 223,532        8.5 % 
  

 

 

     

 

 

     

 

 

     

The increase in noninterest-bearing demand of $42.6 million was primarily due to a $82.0 million increase in balances related to the tax refund processing program, which is a seasonal increase. This seasonal increase was partially offset by a $37.7 million decrease in noninterest-bearing business accounts. Interest-bearing demand deposits increased due to a $15.8 million increase in public fund accounts. The decrease in savings and money market was primarily due to a $19.1 million decrease in personal money markets, a $14.5 million decrease in statement savings, and a $5.2 million decrease in business savings accounts. The increase in time certificates was primarily due to a $201.2 million increase in brokered time deposits.    

FHLB overnight advances totaled $212.0 million on March 31, 2023, down from $393.7 million on December 31, 2022. FHLB term advances totaled $3.4 million on March 31, 2023, down from $3.6 million on December 31, 2022.

Stock Repurchase Program

So far in 2023, Civista has not repurchased any shares. We have approximately $6.1 million remaining of the current $13.5 million repurchase authorization, which will expire in May 2023. The Board has approved a replacement plan that will not take effect until May 2023. In January, Civista liquidated 5,620 shares held by employees, at $21.52 per share, to satisfy tax obligations stemming from vesting of restricted shares.

Shareholders’ Equity

Total shareholders’ equity increased $12.9 million from December 31, 2022 to March 31, 2023, primarily due to an $8.1 million decrease in accumulated other comprehensive loss. Retained earnings increased $4.6 million.

Asset Quality

Civista recorded net charge-offs of $128 thousand for the three months of 2023 compared to net recoveries of $92 thousand for the same period of 2022. The allowance for credit losses to loans was 1.33% at March 31, 2023 and 1.12% at December 31, 2022.    

Allowance for Credit Losses

(dollars in thousands)

 

     March 31,
2023		      March 31,
2022		  

Beginning of period

    $ 28,511      $ 26,641  

CECL adoption adjustments

      5,193        —    

Charge-offs

      (175 )       (30 ) 

Recoveries

      47        122  

Provision

      620        300  
  

 

 

     

 

 

  

End of period

    $ 34,196      $ 27,033  
  

 

 

     

 

 

  

Allowance for Unfunded Commitments

(dollars in thousands)

 

     March 31,
2023		      March 31,
2022		  

Beginning of period

    $ —      $ —  

CECL adoption adjustments

      3,386     

Charge-offs

      —          —    

Recoveries

      —          —    

Provision

      201        —    
  

 

 

     

 

 

  

End of period

    $ 3,587      $ —  
  

 

 

     

 

 

  

Non-performing assets at March 31, 2023 were $9.9 million, a 9.3% decrease from December 31, 2022. The non-performing assets to assets ratio decreased to 0.30% from 0.31% at December 31, 2022. The allowance for loan losses to non-performing loans increased to 313.58% from 261.45% at December 31, 2022.

Non-performing Assets

(dollars in thousands)

 

     March 31,
2023		      December 31,
2022		  

Non-accrual loans

    $ 6,980      $ 7,890  

Restructured loans

      2,880        3,015  
  

 

 

     

 

 

  

Total non-performing loans

      9,860        10,905  

Other Real Estate Owned

      26        —    
  

 

 

     

 

 

  

Total non-performing assets

    $ 9,886      $ 10,905  
  

 

 

     

 

 

  

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 2023 at 1:00 p.m. ET on Thursday, April 28, 2023. 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 join the Civista Bancshares, Inc. first quarter 2023 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, 2022, 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 $3.6 billion financial holding company headquartered in Sandusky, Ohio. Its primary subsidiary, Civista Bank, was founded in 1884 and provides full-service banking, commercial lending, mortgage, and wealth management services. Today, Civista Bank operates 43 locations across Ohio, Southeastern Indiana and Northern Kentucky. Civista Bank also offers commercial equipment leasing services for businesses nationwide through its subsidiary, Vision Financial Group, Inc., centered in Pittsburgh, Pennsylvania. Civista Bancshares’ common shares are traded on the NASDAQ Capital Market under the symbol “CIVB”. Learn more at www.civb.com.

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
March 31,		  
     2023     2022  

Interest income

    $ 41,539     $ 24,666  

Interest expense

      8,938       1,734  
  

 

 

    

 

 

  

Net interest income

      32,601       22,932  

Provision for credit losses

      620       300  
  

 

 

    

 

 

  

Net interest income after provision

      31,981       22,632  

Noninterest income

      11,068       7,643  

Noninterest expense

      27,633       20,258  
  

 

 

    

 

 

  

Income before taxes

      15,416       10,017  

Income tax expense

      2,528       1,551  
  

 

 

    

 

 

  

Net income

    $ 12,888     $ 8,466  

Dividends paid per common share

    $ 0.14     $ 0.14  

Earnings per common share, basic and diluted

    $ 0.82     $ 0.57  

Average shares outstanding, basic and diluted

      15,732,092       14,853,287  

Selected financial ratios:

     

Return on average assets (annualized)

      1.47 %      1.07 % 

Return on average equity (annualized)

      15.32 %      9.89 % 

Dividend payout ratio

      17.07 %      24.56 % 

Net interest margin (tax equivalent)

      4.11 %      3.38 % 

Selected Balance Sheet Items

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

 

     March 31,
2023		     December 31,
2022		  
     (unaudited)     (unaudited)  

Cash and due from financial institutions

    $ 52,723     $ 43,361  

Investment in time deposits

      1,721       1,477  

Investment securities

      629,829       617,592  

Loans held for sale

      1,465       683  

Loans

      2,580,066       2,546,666  

Less: allowance for credit losses

      (34,196 )      (28,511 ) 
  

 

 

    

 

 

  

Net loans

      2,545,870       2,518,155  

Other securities

      35,383       33,585  

Premises and equipment, net

      61,895       64,018  

Goodwill and other intangibles

      135,808       136,454  

Bank owned life insurance

      53,796       53,543  

Other assets

      66,068       68,962  
  

 

 

    

 

 

  

Total assets

    $ 3,584,558     $ 3,537,830  
  

 

 

    

 

 

  

Total deposits

    $ 2,843,516     $ 2,619,984  

Federal Home Loan Bank advances - short term

      212,000       393,700  

Federal Home Loan Bank advances - long term

      3,361       3,578  

Securities sold under agreements to repurchase

      15,631       25,143  

Subordinated debentures

      103,841       103,799  

Other borrowings

      13,938       15,516  

Securities purchased payable

      —         1,338  

Tax refunds in process

      5,752       278  

Accrued expenses and other liabilities

      38,822       39,658  

Total shareholders’ equity

      347,697       334,836  
  

 

 

    

 

 

  

Total liabilities and shareholders’ equity

    $ 3,584,558     $ 3,537,830  
  

 

 

    

 

 

  

Shares outstanding at period end

      15,732,092       15,728,234  

Book value per share

    $ 22.10     $ 21.29  

Equity to asset ratio

      9.70 %      9.46 % 

Selected asset quality ratios:

     

Allowance for loan losses to total loans

      1.33 %      1.12 % 

Non-performing assets to total assets

      0.28 %      0.31 % 

Allowance for loan losses to non-performing loans

      346.82 %      261.45 % 

Non-performing asset analysis

     

Nonaccrual loans

    $ 6,980     $ 7,890  

Troubled debt restructurings

      2,880       3,015  

Other real estate owned

      26       —    
  

 

 

    

 

 

  

Total

    $ 9,886     $ 10,905  
  

 

 

    

 

 

  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

End of Period Balances

    March 31,
2023		     December 31,
2022		     September 30,
2022		     June 30,
2022		     March 31,
2022		  

Assets

           

Cash and due from banks

    $ 52,723     $ 43,361     $ 40,914     $ 233,281     $ 412,698  

Investment in time deposits

      1,721       1,477       1,479       1,236       1,728  

Investment securities

      629,829       617,592       604,074       531,978       553,499  

Loans held for sale

      1,465       683       3,491       4,167       4,794  

Loans

      2,580,066       2,546,666       2,328,614       2,064,221       2,018,188  

Allowance for credit losses

      (34,196 )      (28,511 )      (27,773 )      (27,435 )      (27,033 ) 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net Loans

      2,545,870       2,518,155       2,300,841       2,036,786       1,991,155  

Other securities

      35,383       33,585       18,578       18,511       18,511  

Premises and equipment, net

      61,895       64,018       30,168       24,151       22,110  

Goodwill and other intangibles

      135,808       136,454       113,206       84,021       84,251  

Bank owned life insurance

      53,796       53,543       53,291       47,118       46,885  

Other assets

      66,068       68,962       75,677       57,850       48,726  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Assets

    $ 3,584,558     $ 3,537,830     $ 3,241,719     $ 3,039,099     $ 3,184,357  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Liabilities

           

Total deposits

    $ 2,843,516     $ 2,619,984     $ 2,708,253     $ 2,455,502     $ 2,615,137  

Federal Home Loan Bank advances - short term

      212,000       393,700       55,000       —         —    

Federal Home Loan Bank advances - long term

      3,361       3,578       6,723       75,000       75,000  

Securities sold under agreement to repurchase

      15,631       25,143       20,155       17,479       23,931  

Subordinated debentures

      103,841       103,799       103,778       103,737       103,704  

Other borrowings

      13,938       15,516       —         —         —    

Securities purchased payable

      —         1,338       2,611       15,025       1,876  

Tax refunds in process

      5,752       278       2,709       39,448       10,232  

Accrued expenses and other liabilities

      38,822       39,658       39,888       30,846       26,785  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total liabilities

      3,236,861       3,202,994       2,939,117       2,737,037       2,856,665  

Shareholders’ Equity

           

Common shares

      310,412       310,182       299,515       278,240       277,919  

Retained earnings

      161,110       156,493       146,546       137,592       131,934  

Treasury shares

      (73,915 )      (73,794 )      (73,641 )      (67,528 )      (61,472 ) 

Accumulated other comprehensive income(loss)

      (49,910 )      (58,045 )      (69,818 )      (46,242 )      (20,689 ) 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total shareholders’ equity

      347,697       334,836       302,602       302,062       327,692  

Total Liabilities and Shareholders’ Equity

    $ 3,584,558     $ 3,537,830     $ 3,241,719     $ 3,039,099     $ 3,184,357  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Quarterly Average Balances

           

Assets:

           

Earning assets

    $ 3,211,902     $ 3,099,501     $ 3,002,256     $ 2,866,362     $ 2,814,589  

Securities

      655,987       630,127       622,924       556,352       575,359  

Loans

      2,548,518       2,458,980       2,289,588       2,033,378       2,006,984  

Liabilities and Shareholders’ Equity

           

Total deposits

    $ 2,654,356     $ 2,649,755     $ 2,719,014     $ 2,524,971     $ 2,557,638  

Interest-bearing deposits

      1,692,470       1,710,019       1,738,015       1,630,084       1,623,984  

Other interest-bearing liabilities

      515,122       407,710       155,077       200,005       204,299  

Total shareholders’ equity

      341,159       299,509       305,134       313,272       347,302  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  

Income statement

    March 31,
2023		      December 31,
2022		      September 30,
2022		      June 30,
2022		      March 31,
2022		  

Total interest and dividend income

    $ 41,539      $ 37,990      $ 32,533      $ 26,064      $ 24,666  

Total interest expense

      8,938        5,425        2,094        1,796        1,734  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net interest income

      32,601        32,565        30,439        24,268        22,932  

Provision for loan losses

      620        752        300        400        300  

Noninterest income

      11,068        10,064        5,734        5,635        7,643  

Noninterest expense

      27,633        27,301        22,555        20,379        20,258  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Income before taxes

      15,416        14,576        13,318        9,124        10,017  

Income tax expense

      2,528        2,428        2,206        1,423        1,551  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income

    $ 12,888      $ 12,148      $ 11,112      $ 7,701      $ 8,466  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Per share data

               

Earnings per common share

               

Basic

               

Net income

    $ 12,888      $ 12,148      $ 11,112      $ 7,701      $ 8,466  

Less allocation of earnings and dividends to participating securities

      453        432        52        39        32  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net income available to common shareholders - basic

    $ 12,435      $ 11,716      $ 11,060      $ 7,662      $ 8,434  

Weighted average common shares outstanding

      15,732,092        15,717,439        15,394,898        14,615,154        14,909,192  

Less average participating securities

      552,882        559,596        71,604        74,286        55,905  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

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

      15,179,210        15,157,843        15,323,294        14,540,868        14,853,287  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Earnings per common share

               

Basic

    $ 0.82      $ 0.77      $ 0.72      $ 0.53      $ 0.57  

Diluted

      0.82        0.77        0.72        0.53        0.57  

Common shares dividend paid

    $ 2,201      $ 2,202      $ 2,042      $ 2,091      $ 2,104  

Dividends paid per common share

      0.14        0.14        0.14        0.14        0.14  

Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  

Asset quality

    March
2023		     December
2022		     September
2022		     June
2022		     March
2022		  

Allowance for credit losses:

           

Beginning of period

    $ 28,511     $ 27,773     $ 27,435     $ 27,033     $ 26,641  

CECL adoption adjustments

      5,193       —         —         —         —    

Charge-offs

      (175 )      (58 )      (74 )      (60 )      (30 ) 

Recoveries

      47       44       112       62       122  

Provision

      620       752       300       400       300  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

End of period

    $ 34,196     $ 28,511     $ 27,773     $ 27,435     $ 27,033  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Allowance for unfunded commitments:

           

Beginning of period

    $ —       $ —       $ —       $ —       $ —    

CECL adoption adjustments

      3,386       —         —         —         —    

Charge-offs

      —         —         —         —         —    

Recoveries

      —         —         —         —         —    

Provision

      201       —         —         —         —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

End of period

    $ 3,587     $ —       $ —       $ —       $ —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ratios

           

Allowance to total loans

      1.33 %      1.12 %      1.19 %      1.33 %      1.34 % 

Allowance to nonperforming assets

      345.91 %      261.45 %      476.24 %      572.78 %      501.50 % 

Allowance to nonperforming loans

      345.82 %      261.45 %      476.24 %      572.78 %      501.50 % 

Nonperforming assets

           

Nonperforming loans

    $ 9,860     $ 10,905     $ 5,832     $ 4,790     $ 5,390  

Other real estate owned

      26       —         —         —         —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total nonperforming assets

    $ 9,886     $ 10,905     $ 5,832     $ 4,790     $ 5,390  

Capital and liquidity

           

Tier 1 leverage ratio

      8.63 %      8.92 %      9.32 %      9.87 %      9.50 % 

Tier 1 risk-based capital ratio

      10.80 %      10.78 %      11.62 %      13.63 %      14.02 % 

Total risk-based capital ratio

      14.73 %      14.52 %      15.62 %      18.24 %      18.74 % 

Tangible common equity ratio (1)

      6.14 %      5.83 %      6.05 %      7.38 %      7.85 % 

 

(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  
     March 31,
2023		     December 31,
2022		     September 30,
2022		     June 30,
2022		     March 31,
2022		  

Tangible Common Equity

           

Total Shareholder’s Equity - GAAP

    $ 347,697     $ 334,835     $ 302,602     $ 302,062     $ 327,692  

Less: Goodwill and intangible assets

      135,808       136,454       113,206       84,021       84,251  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible common equity (Non-GAAP)

    $ 211,889     $ 198,381     $ 189,396     $ 218,041     $ 243,441  

Total Shares Outstanding

      15,732,092       15,728,234       15,235,545       14,537,433       14,797,232  

Tangible book value per share

    $ 13.47     $ 12.61     $ 12.43     $ 15.00     $ 16.45  

Tangible Assets

           

Total Assets - GAAP

    $ 3,587,118     $ 3,537,830     $ 3,241,719     $ 3,039,099     $ 3,184,357  

Less: Goodwill and intangible assets

      135,808       136,454       113,206       84,021       84,251  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible assets (Non-GAAP)

    $ 3,451,310     $ 3,401,376     $ 3,128,513     $ 2,955,078     $ 3,100,106  

Tangible common equity to tangible assets

      6.14 %      5.83 %      6.05 %      7.38 %      7.85 % 
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Document and Entity Information
Apr. 28, 2023
Cover [Abstract]  
Security Exchange Name NASDAQ
Amendment Flag false
Entity Central Index Key 0000944745
Document Type 8-K
Document Period End Date Apr. 28, 2023
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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