Civista Bancshares, Inc. (CIVB) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 37.82M | 36.45M | 34.55M | 34.81M | 32.77M | 31.35M | 29.23M | 27.75M | 28.37M | 30.05M | 31.5M | 31.34M |
| NII Growth % | 15.41% | 16.26% | 18.17% | 25.45% | 15.51% | 4.33% | -7.21% | -11.45% | -12.97% | -7.72% | 3.5% | 29.14% |
| Net Interest Margin % | 0.88% | 0.84% | 0.84% | 0.83% | 0.79% | 0.77% | 0.72% | 0.69% | 0.73% | 0.78% | 0.84% | 0.87% |
| Interest Income | 55.81M | 55.74M | 55.24M | 56.27M | 53.73M | 53.23M | 52.74M | 50.59M | 50.13M | 52.07M | 46.6M | 44.61M |
| Interest Expense | 17.99M | 19.29M | 20.7M | 21.46M | 20.96M | 21.88M | 23.51M | 22.84M | 21.76M | 22.02M | 15.1M | 13.27M |
| Loan Loss Provision | 0 | 585K | 200K | 1.02M | 1.57M | 696K | 1.02M | 1.66M | 1.99M | 2.32M | 760K | 1.13M |
| Non-Interest Income | 0 | 9.88M | 8.56M | 5.91M | 7.28M | 8.34M | 9.07M | 9.91M | 7.63M | 8.21M | 7.51M | 8.53M |
| Non-Interest Income % | 0% | 15.06% | 13.42% | 9.5% | 11.93% | 13.55% | 14.67% | 16.38% | 13.21% | 13.63% | 13.87% | 16.06% |
| Total Revenue | 55.81M | 65.63M | 63.8M | 62.18M | 61.01M | 61.58M | 61.81M | 60.5M | 57.76M | 60.29M | 54.11M | 53.14M |
| Revenue Growth % | -8.53% | 6.57% | 3.22% | 2.77% | 5.63% | 2.14% | 14.24% | 13.85% | 8.14% | 27.02% | 43.66% | 70.57% |
| Non-Interest Expense | 29.24M | 31M | 27.25M | 26.8M | 26.55M | 27.62M | 27.36M | 27.92M | 26.82M | 24.71M | 26M | 27.03M |
| Efficiency Ratio | 52.4% | 47.24% | 42.72% | 43.1% | 43.51% | 44.86% | 44.27% | 46.15% | 46.43% | 40.98% | 48.06% | 50.87% |
| Operating Income | 8.58M | 14.75M | 15.65M | 12.9M | 11.94M | 11.38M | 9.92M | 8.08M | 7.2M | 11.24M | 12.25M | 11.71M |
| Operating Margin % | 15.37% | 22.47% | 24.53% | 20.74% | 19.57% | 18.48% | 16.04% | 13.36% | 12.46% | 18.64% | 22.63% | 22.04% |
| Operating Income Growth % | -28.15% | 29.61% | 57.82% | 59.52% | 65.95% | 1.26% | -19.03% | -30.99% | -53.33% | -22.91% | -8.04% | 28.39% |
| Pretax Income | 18.01M | 14.75M | 15.65M | 12.9M | 11.94M | 11.38M | 9.92M | 8.08M | 7.2M | 11.24M | 12.25M | 11.71M |
| Pretax Margin % | 32.27% | 22.47% | 24.53% | 20.74% | 19.57% | 18.48% | 16.04% | 13.36% | 12.46% | 18.64% | 22.63% | 22.04% |
| Income Tax | 3.02M | 2.48M | 2.89M | 1.88M | 1.77M | 1.49M | 1.55M | 1.02M | 835K | 1.58M | 1.86M | 1.68M |
| Effective Tax Rate % | 16.77% | 16.82% | 18.47% | 14.59% | 14.84% | 13.05% | 15.64% | 12.62% | 11.61% | 14.07% | 15.19% | 14.34% |
| Net Income | 14.99M | 12.27M | 12.76M | 11.02M | 10.17M | 9.89M | 8.37M | 7.06M | 6.36M | 9.65M | 10.39M | 10.03M |
| Net Margin % | 26.86% | 18.69% | 20% | 17.72% | 16.67% | 16.07% | 13.53% | 11.68% | 11.01% | 16.01% | 19.2% | 18.88% |
| Net Income Growth % | 47.41% | 24% | 52.52% | 55.93% | 59.87% | 2.46% | -19.46% | -29.6% | -50.65% | -20.52% | -6.52% | 30.29% |
| Net Income (Continuing) | 14.99M | 12.27M | 12.76M | 11.02M | 10.17M | 9.89M | 8.37M | 7.06M | 6.36M | 9.65M | 10.39M | 10.03M |
| EPS (Diluted) | 0.72 | 0.61 | 0.68 | 0.71 | 0.66 | 0.63 | 0.53 | 0.45 | 0.41 | 0.61 | 0.66 | 0.64 |
| EPS Growth % | 9.09% | -3.17% | 28.3% | 57.78% | 60.98% | 3.28% | -19.7% | -29.69% | -50% | -18.67% | -8.33% | 20.75% |
| EPS (Basic) | 0.72 | 0.61 | 0.68 | 0.71 | 0.66 | 0.63 | 0.53 | 0.45 | 0.41 | 0.61 | 0.66 | 0.64 |
| Diluted Shares Outstanding | 20.71M | 20.19M | 16.61M | 15.42M | 15.42M | 15.4M | 15.4M | 15.14M | 15.13M | 15.15M | 15.15M | 15.19M |