Civista Bancshares, Inc. (CIVB) Quarterly Income Statement

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Civista Bancshares, Inc. (CIVB) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CIVB Income Statement

Civista Bancshares, Inc. (CIVB) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	39.43M	38.59M	37.82M	36.45M	34.55M	34.81M	32.77M	31.35M	29.23M	27.75M	28.37M	30.05M	31.5M	31.34M	32.6M	32.56M	30.44M	24.27M	22.93M	23.32M
NII Growth %	14.14%	10.85%	15.41%	16.26%	18.17%	25.45%	15.51%	4.33%	-7.21%	-11.45%	-12.97%	-7.72%	3.5%	29.14%	42.16%	39.63%	24.58%	1.79%	-3.76%	-0.88%
Net Interest Margin %	0.92%	0.9%	0.88%	0.84%	0.84%	0.83%	0.79%	0.77%	0.72%	0.69%	0.73%	0.78%	0.84%	0.87%	0.91%	0.89%	0.94%	0.8%	0.72%	0.77%
Interest Income	57.82M	56.55M	55.81M	55.74M	55.24M	56.27M	53.73M	53.23M	52.74M	50.59M	50.13M	52.07M	46.6M	44.61M	42.92M	37.99M	32.53M	26.06M	24.67M	24.73M
Interest Expense	18.39M	17.95M	17.99M	19.29M	20.7M	21.46M	20.96M	21.88M	23.51M	22.84M	21.76M	22.02M	15.1M	13.27M	10.32M	5.42M	2.09M	1.8M	1.73M	1.41M
Loan Loss Provision	1.29M	32K	0	585K	200K	1.02M	1.57M	696K	1.02M	1.66M	1.99M	2.32M	760K	1.13M	821K	752K	300K	400K	300K	0
Non-Interest Income	9.65M	-17.27M	0	9.88M	8.56M	5.91M	7.28M	8.34M	9.07M	9.91M	7.63M	8.21M	7.51M	8.53M	10.49M	9.47M	5.13M	5.09M	7.13M	6.34M
Non-Interest Income %	19.66%	-80.97%	0%	21.33%	19.86%	14.5%	18.18%	21.02%	23.68%	26.32%	21.2%	21.47%	19.24%	21.4%	24.34%	22.54%	14.42%	17.35%	23.72%	21.37%
Total Net Revenue	49.08M	21.33M	37.82M	46.34M	43.1M	40.72M	40.05M	39.7M	38.3M	37.66M	36M	38.27M	39.01M	39.87M	43.09M	42.04M	35.57M	29.36M	30.06M	29.66M
Revenue Growth %	13.86%	-47.63%	-5.57%	16.72%	12.54%	8.12%	11.25%	3.74%	-1.81%	-5.55%	-16.45%	-8.97%	9.67%	35.8%	43.33%	41.73%	17.53%	-8.85%	-7.29%	-3.2%
Non-Interest Expense	27.98M	29.87M	29.24M	31M	27.25M	26.8M	26.55M	27.62M	27.36M	27.92M	26.82M	24.71M	26M	27.03M	26.85M	26.71M	21.95M	19.84M	19.75M	16.7M
Efficiency Ratio	57%	140.08%	77.32%	66.91%	63.23%	65.81%	66.28%	69.59%	71.44%	74.14%	74.48%	64.56%	66.66%	67.8%	62.32%	63.54%	61.71%	67.56%	65.68%	56.31%
Operating Income	19.81M	-8.58M	8.58M	14.75M	15.65M	12.9M	11.94M	11.38M	9.92M	8.08M	7.2M	11.24M	12.25M	11.71M	15.42M	14.58M	13.32M	9.12M	10.02M	12.96M
Operating Margin %	40.36%	-40.23%	22.68%	31.83%	36.31%	31.67%	29.81%	28.66%	25.89%	21.46%	19.98%	29.36%	31.39%	29.38%	35.78%	34.67%	37.44%	31.08%	33.32%	43.69%
Operating Income Growth %	26.56%	-166.52%	-28.15%	29.61%	57.82%	59.52%	65.95%	1.26%	-19.03%	-30.99%	-53.33%	-22.91%	-8.04%	28.39%	53.9%	12.46%	14.73%	-13.94%	-22.95%	8.2%
Pretax Income	19.81M	17.18M	18.01M	14.75M	15.65M	12.9M	11.94M	11.38M	9.92M	8.08M	7.2M	11.24M	12.25M	11.71M	15.42M	14.58M	13.32M	9.12M	10.02M	12.96M
Pretax Margin %	40.36%	80.54%	47.62%	31.83%	36.31%	31.67%	29.81%	28.66%	25.89%	21.46%	19.98%	29.36%	31.39%	29.38%	35.78%	34.67%	37.44%	31.08%	33.32%	43.69%
Income Tax	3.79M	2.86M	3.02M	2.48M	2.89M	1.88M	1.77M	1.49M	1.55M	1.02M	835K	1.58M	1.86M	1.68M	2.53M	2.43M	2.21M	1.42M	1.55M	1.98M
Effective Tax Rate %	19.13%	16.66%	16.77%	16.82%	18.47%	14.59%	14.84%	13.05%	15.64%	12.62%	11.61%	14.07%	15.19%	14.34%	16.4%	16.66%	16.56%	15.6%	15.48%	15.27%
Net Income	16.02M	14.31M	14.99M	12.27M	12.76M	11.02M	10.17M	9.89M	8.37M	7.06M	6.36M	9.65M	10.39M	10.03M	12.89M	12.15M	11.11M	7.7M	8.47M	10.98M
Net Margin %	32.64%	67.12%	39.63%	26.47%	29.6%	27.05%	25.39%	24.92%	21.84%	18.76%	17.67%	25.23%	26.63%	25.16%	29.91%	28.9%	31.24%	26.23%	28.16%	37.02%
Net Income Growth %	25.54%	29.96%	47.41%	24%	52.52%	55.93%	59.87%	2.46%	-19.46%	-29.6%	-50.65%	-20.52%	-6.52%	30.29%	52.23%	10.62%	15.25%	-15.96%	-21.31%	7.95%
Net Income (Continuing)	16.02M	14.31M	14.99M	12.27M	12.76M	11.02M	10.17M	9.89M	8.37M	7.06M	6.36M	9.65M	10.39M	10.03M	12.89M	12.15M	11.11M	7.7M	8.47M	10.98M
EPS (Diluted)	0.77	0.69	0.72	0.61	0.68	0.71	0.66	0.63	0.53	0.45	0.41	0.61	0.66	0.64	0.82	0.75	0.72	0.53	0.57	0.73
EPS Growth %	13.24%	-2.82%	9.09%	-3.17%	28.3%	57.78%	60.98%	3.28%	-19.7%	-29.69%	-50%	-18.67%	-8.33%	20.75%	43.86%	2.74%	12.5%	-10.17%	-16.18%	14.06%
EPS (Basic)	0.77	0.69	0.72	0.61	0.68	0.71	0.66	0.63	0.53	0.45	0.41	0.61	0.66	0.64	0.82	0.75	0.72	0.53	0.57	0.73
Diluted Shares Outstanding	20.7M	20.77M	20.71M	20.19M	16.61M	15.42M	15.42M	15.4M	15.4M	15.14M	15.13M	15.15M	15.15M	15.19M	15.18M	15.65M	15.32M	14.54M	14.85M	15.01M