Civista Bancshares, Inc. (FRA:44Q)

Civista Bancshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	195.36	183.58	160.76	108.05	92.88	87.78
Interest Income on Investments	23.12	23.12	21.98	18.1	12.17	12.09
Total Interest Income	218.48	206.7	182.73	126.16	105.05	99.87
Interest Paid on Deposits	60.81	65.8	33.76	3.84	4.18	6.88
Interest Paid on Borrowings	24.18	24.18	23.48	12.11	5.45	3.26
Total Interest Expense	84.99	89.99	57.24	15.95	9.63	10.14
Net Interest Income	133.49	116.71	125.5	110.2	95.43	89.73
Net Interest Income Growth (YoY)	15.66%	-7.00%	13.88%	15.49%	6.35%	5.44%
Trust Income	5.53	5.52	4.77	4.9	4.86	3.98
Gain (Loss) on Sale of Investments	0.28	0.29	-0.02	0.13	1.97	0.04
Other Non-Interest Income	23.13	27.51	29.51	20.65	16.58	15.6
Total Non-Interest Income	33.1	37.75	37.16	29.08	31.45	28.18
Non-Interest Income Growth (YoY)	-10.89%	1.57%	27.81%	-7.55%	11.60%	25.57%
Revenues Before Loan Losses	166.58	154.46	162.66	139.28	126.88	117.91
Provision for Loan Losses	3.49	5.36	4.44	1.75	0.83	10.11
Revenue	163.1	149.09	158.22	137.53	126.05	107.8
Revenue Growth (YoY)	11.59%	-5.77%	15.05%	9.11%	16.93%	1.21%
Salaries and Employee Benefits	58.24	60.95	57.31	50.24	43.99	41.86
Occupancy Expenses	5.66	5.1	5.4	4.7	4.21	4.08
Federal Deposit Insurance	3.23	2.63	1.64	0.8	1.06	0.73
Amortization of Goodwill & Intangibles	1.35	1.48	1.58	1.3	0.89	0.91
Selling, General & Administrative	25.56	25.48	24.78	19.01	10.84	10.21
Other Non-Interest Expense	17.19	16.88	16.91	14.45	16.68	12.88
Total Non-Interest Expense	111.23	112.52	107.61	90.49	77.67	70.67
EBT Excluding Unusual Items	51.87	36.57	50.61	47.04	48.38	37.13
Pretax Income	51.87	36.57	50.61	47.04	48.38	37.13
Income Tax Expense	8.03	4.89	7.65	7.61	7.84	4.94
Net Income	43.84	31.68	42.96	39.43	40.55	32.19
Preferred Dividends & Other Adjustments	0.39	0.67	1.58	0.5	0.17	0.1
Net Income to Common	43.45	31.01	41.38	38.93	40.37	32.09
Net Income Growth	39.41%	-26.26%	8.97%	-2.76%	25.95%	-4.98%
Basic Shares Outstanding	16	15	15	15	15	16
Diluted Shares Outstanding	16	15	15	15	15	16
Shares Change (YoY)	6.86%	1.56%	1.23%	-2.43%	-4.59%	-4.35%
EPS (Basic)	2.68	2.01	2.73	2.60	2.63	2.00
EPS (Diluted)	2.66	2.01	2.73	2.60	2.63	2.00
EPS Growth	33.82%	-26.37%	5.00%	-1.14%	31.78%	-0.70%
Dividend Per Share	0.670	0.640	0.610	0.560	0.520	0.440
Dividend Growth	4.69%	4.92%	8.93%	7.69%	18.18%	4.76%
Effective Tax Rate	15.48%	13.37%	15.11%	16.18%	16.19%	13.30%

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