Civista Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	220.99	183.58	160.76	108.05	92.88
Interest Income on Investments	-	23.12	21.98	18.1	12.17
Total Interest Income	220.99	206.7	182.73	126.16	105.05
Interest Paid on Deposits	82.4	65.8	33.76	3.84	4.18
Interest Paid on Borrowings	-	24.18	23.48	12.11	5.45
Total Interest Expense	82.4	89.99	57.24	15.95	9.63
Net Interest Income	138.58	116.71	125.5	110.2	95.43
Net Interest Income Growth (YoY)	18.74%	-7.00%	13.88%	15.49%	6.35%
Trust Income	5.54	5.52	4.77	4.9	4.86
Gain (Loss) on Sale of Investments	0.27	0.29	-0.02	0.13	1.97
Other Non-Interest Income	23.67	27.51	29.51	20.65	16.58
Total Non-Interest Income	33.97	37.75	37.16	29.08	31.45
Non-Interest Income Growth (YoY)	-10.02%	1.57%	27.81%	-7.55%	11.60%
Revenues Before Loan Losses	172.55	154.46	162.66	139.28	126.88
Provision for Loan Losses	3.38	5.36	4.44	1.75	0.83
Revenue	169.17	149.09	158.22	137.53	126.05
Revenue Growth (YoY)	13.47%	-5.77%	15.05%	9.11%	16.93%
Salaries and Employee Benefits	58.74	60.95	57.31	50.24	43.99
Occupancy Expenses	5.93	5.1	5.4	4.7	4.21
Federal Deposit Insurance	2.68	2.63	1.64	0.8	1.06
Amortization of Goodwill & Intangibles	1.56	1.48	1.58	1.3	0.89
Selling, General & Administrative	23.87	25.48	24.78	19.01	10.84
Other Non-Interest Expense	17.06	16.88	16.91	14.45	16.68
Total Non-Interest Expense	109.85	112.52	107.61	90.49	77.67
EBT Excluding Unusual Items	59.33	36.57	50.61	47.04	48.38
Pretax Income	55.24	36.57	50.61	47.04	48.38
Income Tax Expense	9.02	4.89	7.65	7.61	7.84
Net Income	46.21	31.68	42.96	39.43	40.55
Preferred Dividends & Other Adjustments	0.17	0.67	1.58	0.5	0.17
Net Income to Common	46.05	31.01	41.38	38.93	40.37
Net Income Growth	45.86%	-26.26%	8.97%	-2.76%	25.95%
Basic Shares Outstanding	17	15	15	15	15
Diluted Shares Outstanding	17	15	15	15	15
Shares Change (YoY)	13.19%	1.56%	1.23%	-2.43%	-4.59%
EPS (Basic)	2.64	2.01	2.73	2.60	2.63
EPS (Diluted)	2.64	2.01	2.73	2.60	2.63
EPS Growth	31.34%	-26.37%	5.00%	-1.14%	31.78%
Dividend Per Share	0.680	0.640	0.610	0.560	0.520
Dividend Growth	6.25%	4.92%	8.93%	7.69%	18.18%
Effective Tax Rate	16.34%	13.37%	15.11%	16.18%	16.19%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.