Civista Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	196.97	195.47	183.58	160.76	108.05	92.88
Interest Income on Investments	26.37	25.52	23.12	21.98	18.1	12.17
Total Interest Income	223.34	220.99	206.7	182.73	126.16	105.05
Interest Paid on Deposits	64.27	64.19	65.8	33.76	3.84	4.18
Interest Paid on Borrowings	11.66	18.21	24.18	23.48	12.11	5.45
Total Interest Expense	75.93	82.4	89.99	57.24	15.95	9.63
Net Interest Income	147.41	138.58	116.71	125.5	110.2	95.43
Net Interest Income Growth	15.01%	18.74%	-7.00%	13.88%	15.49%	6.35%
Trust Income	5.77	5.54	5.52	4.77	4.9	4.86
Gain (Loss) on Sale of Investments	0.55	0.27	0.29	-0.02	0.13	1.97
Other Non-Interest Income	25.49	23.67	27.51	29.51	20.65	16.58
Total Non-Interest Income	37.96	33.97	37.75	37.16	29.08	31.45
Non-Interest Income Growth	13.09%	-10.02%	1.57%	27.81%	-7.55%	11.60%
Revenues Before Loan Losses	185.37	172.55	154.46	162.66	139.28	126.88
Provision for Loan Losses	1.93	3.38	5.36	4.44	1.75	0.83
Revenue	183.44	169.17	149.09	158.22	137.53	126.05
Revenue Growth	16.52%	13.47%	-5.77%	15.05%	9.11%	16.93%
Salaries and Employee Benefits	60.27	57.89	60.95	57.31	50.24	43.99
Occupancy Expenses	6.08	5.93	5.1	5.4	4.7	4.21
Federal Deposit Insurance	1.96	2.68	2.63	1.64	0.8	1.06
Amortization of Goodwill & Intangibles	2.29	1.56	1.48	1.58	1.3	0.89
Selling, General & Administrative	24.89	24.72	25.48	24.78	19.01	10.84
Other Non-Interest Expense	22.36	21.16	16.88	16.91	14.45	16.68
Total Non-Interest Expense	117.86	113.94	112.52	107.61	90.49	77.67
EBT Excluding Unusual Items	65.59	55.24	36.57	50.61	47.04	48.38
Pretax Income	65.59	55.24	36.57	50.61	47.04	48.38
Income Tax Expense	11.25	9.02	4.89	7.65	7.61	7.84
Net Income	54.33	46.21	31.68	42.96	39.43	40.55
Preferred Dividends & Other Adjustments	0.18	0.17	0.67	1.58	0.5	0.17
Net Income to Common	54.16	46.05	31.01	41.38	38.93	40.37
Net Income Growth	38.18%	48.48%	-25.06%	6.30%	-3.58%	25.80%
Basic Shares Outstanding	20	17	15	15	15	15
Diluted Shares Outstanding	20	17	15	15	15	15
Shares Change	29.13%	13.19%	1.56%	1.23%	-2.43%	-4.59%
EPS (Basic)	2.70	2.64	2.01	2.73	2.60	2.63
EPS (Diluted)	2.69	2.64	2.01	2.73	2.60	2.63
EPS Growth	6.81%	31.34%	-26.37%	5.00%	-1.14%	31.78%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.700	0.680	0.640	0.610	0.560	0.520
Dividend Growth	6.06%	6.25%	4.92%	8.93%	7.69%	18.18%
Effective Tax Rate	17.16%	16.34%	13.37%	15.11%	16.18%	16.19%

SEC Filings: 10-K · 10-Q