0001193125-21-222443.txt : 20210723 0001193125-21-222443.hdr.sgml : 20210723 20210723083532 ACCESSION NUMBER: 0001193125-21-222443 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20210723 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210723 DATE AS OF CHANGE: 20210723 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CIVISTA BANCSHARES, INC. CENTRAL INDEX KEY: 0000944745 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341558688 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36192 FILM NUMBER: 211109121 BUSINESS ADDRESS: STREET 1: 100 EAST WATER ST STREET 2: P O BOX 5016 CITY: SANDUSKY STATE: OH ZIP: 44870 BUSINESS PHONE: 4196254121 MAIL ADDRESS: STREET 1: 100 EAST WATER ST STREET 2: P O BOX 5016 CITY: SANDUSKY STATE: OH ZIP: 44870 FORMER COMPANY: FORMER CONFORMED NAME: FIRST CITIZENS BANC CORP /OH DATE OF NAME CHANGE: 19950502 8-K 1 d37291d8k.htm 8-K 8-K
NASDAQ false 0000944745 0000944745 2021-07-23 2021-07-23

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

Pursuant to section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 23, 2021

 

 

Civista Bancshares, Inc.

(Exact name of Registrant as specified in its charter)

 

 

 

Ohio   001-36192   34-1558688

(State or other jurisdiction of

incorporation or organization)

 

(Commission

File Number)

 

(IRS Employer

Identification No.)

100 East Water Street, P.O. Box 5016, Sandusky, Ohio 44870

(Address of principle executive offices)

Registrant’s telephone number, including area code: (419) 625-4121

N/A

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

 

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

 

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

 

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

 

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Act of 1934 (§240.12b-2 of this chapter)

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

 

Trading

Symbol(s)

 

Name of each exchange

on which registered

Common   CIVB   NASDAQ Capital Market

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 


Item 2.02 Results of Operations and Financial Condition

On July 23, 2021, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and six month periods ended June 30, 2021. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated here by reference.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d)     Exhibit 99.1     Press release of Civista Bancshares, Inc. reporting financial results and earnings for the three and six month periods ended June 30, 2021.

Exhibit 104    Cover Page Interactive File-the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.


SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

     

Civista Bancshares, Inc.

      (Registrant)
Date: July 23, 2021      

/s/ Todd A. Michel

      Todd A. Michel,
      Senior Vice President & Controller
EX-99.1 2 d37291dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

Civista Bancshares, Inc. Announces Second Quarter 2021 Financial Results

Sandusky, Ohio, July 23, 2021 /PRNewswire/ – Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) announced its unaudited financial results for the three and six months ending June 30, 2021.

Second quarter and year-to-date 2021 highlights:

 

   

Net income of $9.2 million, or $0.59 per diluted share, for the second quarter of 2021, compared to $6.5 million, or $0.41 per diluted share, for the second quarter of 2020.

 

   

Net income of $19.9 million, or $1.27 per diluted share, compared to $14.3 million, or $0.88 per diluted share, for the six months ended June 30, 2021 and 2020, respectively.

 

   

COVID–19 loan deferrals decreased to 2.5% of total loans at period end, compared to 3.6% at December 31, 2020 and 21.3% at June 30, 2020.

 

   

Second quarterly dividend of $0.12 is equivalent to an annualized yield of 2.17% based on the June 30, 2021 market close of $22.10 and a dividend payout ratio of 20.43%.

 

   

Executed a balance sheet restructuring to deploy excess liquidity which included the prepayment of a 2.05%, $50.0 million FHLB advance, with a $3.7 million prepayment penalty. In addition, we recognized a $1.8 million gain on the sale of our VISA B shares. We also invested $100.0 million dollars into a mix of investment securities yielding 1.50%.

“Our team executed another great quarter financially as well as several key initiatives operationally. On June 9th, we introduced the new Civista Digital Banking which provides for a better customer experience in both the mobile and online platform. We restructured our balance sheet to reduce cost in the future. Our mortgage team had another great quarter and our commercial lending team has seen increases in demand. In July, we also increased our third quarter dividend 17%.” said Dennis G. Shaffer, CEO and President of Civista.

Results of Operations:

For the three-month period ended June 30, 2021 and 2020

Net interest income increased $1.8 million, or 8.0%, for the second quarter of 2021 compared to the same period of 2020, due to a $914 thousand increase in interest income of as well as an $852 thousand decrease in interest expense. Interest income included $2.8 million of accretion of PPP loan fees during the quarter.


The increase in interest income was due to an increase in average earning assets of $248.1 million, partially offset by a 24 basis point decrease in average yields. Interest income included $2.8 million of PPP fees as well as accretion income of purchased loan portfolios of $565.3 thousand.

The decrease in interest expense is primarily due to a decrease in average rates of 24 basis points offset by an increase in average interest-bearing liabilities of $118.3 million.

Net interest margin decreased 8 basis points to 3.53% for the second quarter of 2021, compared to 3.61% for the same period a year ago.

PPP loans averaged $207.5 million during the quarter at an average yield of 6.39%, including the related fee accretion, which increased the margin by 23 basis points.


Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Three Months Ended June 30,  
     2021     2020  
     Average            Yield/     Average            Yield/  

Assets:

   balance     Interest      rate *     balance     Interest      rate *  

Interest-earning assets:

              

Loans **

   $  2,054,784     $  22,653        4.42   $  1,972,969     $  21,613        4.41

Taxable securities

     204,554       1,230        2.47     185,956       1,359        3.05

Non-taxable securities

     208,940       1,525        4.04     200,882       1,541        4.19

Interest-bearing deposits in other banks

     307,853       90        0.12     168,199       71        0.17
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-earning assets

   $ 2,776,131       25,498        3.77   $ 2,528,006       24,584        4.01
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Noninterest-earning assets:

              

Cash and due from financial institutions

     45,626            84,961       

Premises and equipment, net

     22,375            22,535       

Accrued interest receivable

     8,463            9,312       

Intangible assets

     84,638            84,906       

Bank owned life insurance

     46,305            45,334       

Other assets

     37,173            43,297       

Less allowance for loan losses

     (26,580          (17,098     
  

 

 

        

 

 

      

Total Assets

   $ 2,994,131          $ 2,801,253       
  

 

 

        

 

 

      

Liabilities and Shareholders’ Equity:

              

Interest-bearing liabilities:

              

Demand and savings

   $ 1,310,998     $ 334        0.10   $ 1,027,678     $ 439        0.17

Time

     269,624       802        1.19     289,658       1,363        1.89

FHLB

     101,923       330        1.30     125,034       447        1.44

Other borrowings

     —         —          0.00     124,819       4        0.01

Subordinated debentures

     29,427       185        2.52     29,427       250        3.42

Repurchase agreements

     25,914       6        0.09     22,987       6        0.15
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-bearing liabilities

   $ 1,737,886       1,657        0.38   $ 1,619,603       2,509        0.62
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Noninterest-bearing deposits

     867,561            790,891       

Other liabilities

     39,428            60,235       

Shareholders’ equity

     349,256            330,524       
  

 

 

        

 

 

      

Total Liabilities and Shareholders’ Equity

   $ 2,994,131          $ 2,801,253       
  

 

 

        

 

 

      

Net interest income and interest rate spread

     $ 23,841        3.39     $ 22,075        3.39

Net interest margin

          3.53          3.61

 

* -

Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $406 thousand and $413 thousand for the periods ended June 30, 2021 and 2020, respectively.

** -

Average balance includes nonaccrual loans


For the six-month period ended June 30, 2021 and 2020

Net interest income increased $3.5 million, or 7.9%, compared to the same period in 2020.

Interest income increased $1.6 million, or 3.3%, for the first six months of 2021. Average earning assets increased $510.7 million, which resulted in a $5.3 million increase in interest income. Average yields decreased 64 basis points which resulted in a $3.7 million decrease in interest income. During the six-month period, the Bank had average PPP Loans totaling $228.1 million. These loans had an average yield of 6.22% including the amortization of PPP fees, which increased the margin by 24 basis points.

Interest expense decreased $1.8 million, or 34.1%, for the first six months of 2021 compared to the same period of 2020. Average rates decreased 31 basis points, resulting in a $1.8 million decrease in interest expense. Average interest-bearing liabilities increased $225.6 million, but led to a decrease in interest expense of $20 thousand, primarily due to a mix shift toward interest-bearing demand deposits.

Net interest margin decreased 43 basis points to 3.41% for the first six months of 2021, compared to 3.84% for the same period a year ago.


Average Balance Analysis

(Unaudited - Dollars in thousands)

 

     Six Months Ended June 30,  
     2021     2020  
     Average            Yield/     Average            Yield/  

Assets:

   balance     Interest      rate *     balance     Interest      rate *  

Interest-earning assets:

              

Loans **

   $  2,062,061     $  45,436        4.44   $  1,849,327     $  43,286        4.71

Taxable securities

     189,729       2,505        2.75     186,780       2,775        3.10

Non-taxable securities

     208,260       3,044        4.08     199,233       3,053        4.21

Interest-bearing deposits in other banks

     430,705       239        0.11     144,748       472        0.66
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-earning assets

   $ 2,890,755       51,224        3.66   $ 2,380,088       49,586        4.30
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Noninterest-earning assets:

              

Cash and due from financial institutions

     39,777            126,655       

Premises and equipment, net

     22,442            22,636       

Accrued interest receivable

     8,515            8,031       

Intangible assets

     84,749            84,994       

Bank owned life insurance

     46,185            45,210       

Other assets

     37,157            36,229       

Less allowance for loan losses

     (26,087          (16,013     
  

 

 

        

 

 

      

Total Assets

   $ 3,103,493          $ 2,687,830       
  

 

 

        

 

 

      

Liabilities and Shareholders’ Equity:

              

Interest-bearing liabilities:

              

Demand and savings

   $ 1,280,030     $ 677        0.11   $ 961,285     $ 1,044        0.22

Time

     276,793       1,719        1.25     285,179       2,743        1.93

FHLB

     113,398       774        1.38     141,391       1,028        1.46

Other borrowings

     —         —          0.00     62,410       4        0.01

Federal funds purchased

     —         —          0.00     305       3        1.98

Subordinated debentures

     29,427       371        2.54     29,427       563        3.85

Repurchase agreements

     28,531       14        0.10     22,555       11        0.10
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-bearing liabilities

   $ 1,728,179       3,555        0.41   $ 1,502,552       5,396        0.72
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Noninterest-bearing deposits

     986,185            795,215       

Other liabilities

     39,690            58,500       

Shareholders’ equity

     349,439            331,563       
  

 

 

        

 

 

      

Total Liabilities and Shareholders’ Equity

   $ 3,103,493          $ 2,687,830       
  

 

 

        

 

 

      

Net interest income and interest rate spread

 

  $ 47,669        3.25     $ 44,190        3.58

Net interest margin

          3.41          3.84

 

* -

Average yields are presented on a tax equivalent basis. The tax equivalent effect associated with loans and investments, included in the yields above, was $814 thousand and $819 thousand for the periods ended June 30, 2021 and 2020, respectively.

** -

Average balance includes nonaccrual loans


No provision for loan losses was recorded during the second quarter and was $830 thousand for the first six months of 2021. Provision for loan losses was $3.5 million for the second quarter of 2020 and $5.6 million for the first six months of 2020. The reserve ratio increased to 1.30% at June 30, 2021 from 1.22% at December 31, 2020. The reserve ratio without $153.0 million of PPP loans would have been 10 basis points higher.

For the second quarter of 2021, noninterest income totaled $9.0 million, an increase of $2.2 million, or 31.7%, compared to the prior year’s second quarter.

 

Noninterest income                            
(unaudited - dollars in thousands)    Three months ended June 30,  
     2021      2020      $ change      % change  

Service charges

   $ 1,317      $ 930      $ 387        41.6

Net loss on sale of securities

     1,784        —          1,784        0.0

Net gain/(loss) on equity securities

     53        (5      58        N/M  

Net gain on sale of loans

     2,218        2,261        (43      -1.9

ATM/Interchange fees

     1,373        1,149        224        19.5

Wealth management fees

     1,188        904        284        31.4

Bank owned life insurance

     248        240        8        3.3

Tax refund processing fees

     475        475        —          0.0

Swap fees

     17        764        (747      -97.8

Other

     352        136        216        158.8
  

 

 

    

 

 

    

 

 

    

Total noninterest income

   $  9,025      $  6,854      $  2,171        31.7
  

 

 

    

 

 

    

 

 

    

N/M - not meaningful

Service charges increased as a result of higher overdraft fees and service charges. During 2020, customer behavior changed as a result of the COVID-19 pandemic, resulting in fewer overdrafts. Civista also waived service fees on deposit accounts of $93 thousand during 2020. Overdraft fees are rebounding to pre-pandemic levels.

Net gain on sale of securities increased as a result of the sale of Visa Class B shares.

ATM/Interchange fees increased as a result of increased volume of transactions and incentives from our network providers.

Wealth management fees increased due to an increase in average assets under management as well as an increase in the average rate earned on the assets in 2021.

Swap fees decreased due to the volume. For the quarter, we swapped $4.2 million compared to $44.8 million during the same period last year. We reduced the loans we entered into swaps on as a part of our asset liability management program.


For the six months ended June 30, 2021, noninterest income totaled $18.2 million, an increase of $4.5 million, or 32.7%, compared to the same period in the prior year.

 

Noninterest income                            
(unaudited - dollars in thousands)    Six months ended June 30,  
     2021      2020      $ change      % change  

Service charges

   $ 2,573      $ 2,398      $ 175        7.3

Net loss on sale of securities

     1,783        —          1,783        0.0

Net gain/(loss) on equity securities

     141        (146      287        196.6

Net gain on sale of loans

     4,963        3,088        1,875        60.7

ATM/Interchange fees

     2,620        2,043        577        28.2

Wealth management fees

     2,334        1,910        424        22.2

Bank owned life insurance

     491        490        1        0.2

Tax refund processing fees

     2,375        2,375        —          0.0

Swap fees

     94        1,102        (1,008      -91.5

Other

     841        470        371        78.9
  

 

 

    

 

 

    

 

 

    

Total noninterest income

   $  18,215      $  13,730      $ 4,485        32.7
  

 

 

    

 

 

    

 

 

    

Service charges increased as a result of higher overdraft fees and service charges. During 2020, customer behavior changed as a result of the COVID-19 pandemic, resulting in fewer overdrafts. Civista also waived service fees on deposit accounts of $93 thousand during 2020. Overdraft fees are rebounding to pre-pandemic levels.

Net gain on sale of securities increased as a result of the sale of Visa Class B shares.

Net gain (loss) on equity securities increased as a result of market value increases.

Net gain on sale of loans increased due to an increase in loans sold of $21.0 million and an increase in the premium on sold loans of 93 basis points.

ATM/Interchange fees increased as a result of increased volume of transactions and incentives from our network providers.

Wealth management fees increased due to an increase in average assets under management as well as an increase in the average rate earned on the assets in 2021.

Swap fees decreased as a result of a decline in the volume of loans. Year to date we swapped $5.7 million compared to $77.4 million during the same period last year. We reduced the loans we entered into swaps on as a part of our asset liability management program.


For the second quarter of 2021, noninterest expense totaled $22.5 million, an increase of $4.4 million, or 24.0%, compared to the prior year’s second quarter.

 

Noninterest expense                            
(unaudited - dollars in thousands)    Three months ended June 30,  
     2021      2020      $ change      % change  

Compensation expense

   $ 11,406      $ 10,597      $ 809        7.6

Net occupancy and equipment

     1,489        1,571        (82      -5.2

Contracted data processing

     490        475        15        3.2

Taxes and assessments

     793        631        162        25.7

Professional services

     741        883        (142      -16.1

Amortization of intangible assets

     223        228        (5      -2.2

ATM/Interchange expense

     656        331        325        98.2

Marketing

     343        339        4        1.2

Software maintenance expense

     545        407        138        33.9

Other

     5,781        2,652        3,129        118.0
  

 

 

    

 

 

    

 

 

    

Total noninterest expense

   $  22,467      $  18,114      $  4,353        24.0
  

 

 

    

 

 

    

 

 

    

The increase in other expense is due to the prepayment penalty of $3.7 million related to the early payoff of an FHLB long-term advance. This was partially offset by a $465 thousand credit valuation adjustment to mortgage servicing rights.

Compensation expense included increases in commissions of $465 thousand as well as salaries of $183 thousand. The increase in commissions is due to increased mortgage loan activity. The increase in salaries is due to annual pay increases, which occur every year in April.

Taxes and assessments increased due to an increase in the FDIC assessment base, as well as a $64 thousand credit for small banks that was applied to the June 2020 assessments.

The increase in ATM/Interchange expense is primarily due to additional volume and to a settlement received in the second quarter of 2020.

The increase in software maintenance expense is due to both increases in software maintenance contracts the implementation of our new digital banking.

The efficiency ratio was 67.5% for the quarter ended June 30, 2021 compared to 61.7% for the quarter ended June 30, 2020. Removing the effect of the FHLB prepayment and the gain on the sale of the VISA B shares, the efficiency ratio would have been 59.5%.

Civista’s effective income tax rate for the second quarter 2021 was 11.9% compared to 11.3% in 2020.


For the six months ended June 30, 2021, noninterest expense totaled $41.9 million, an increase of $5.9 million, or 16.4%, compared to the same period in the prior year.

 

Noninterest expense                            
(unaudited - dollars in thousands)    Six months ended June 30,  
     2021      2020      $ change      % change  

Compensation expense

   $ 23,188      $ 21,468      $ 1,720        8.0

Net occupancy and equipment

     3,127        3,053        74        2.4

Contracted data processing

     933        925        8        0.9

Taxes and assessments

     1,678        1,210        468        38.7

Professional services

     1,479        1,620        (141      -8.7

Amortization of intangible assets

     445        459        (14      -3.1

ATM/Interchange expense

     1,249        778        471        60.5

Marketing

     641        695        (54      -7.8

Software maintenance expense

     1,053        844        209        24.8

Other

     8,064        4,918        3,146        64.0
  

 

 

    

 

 

    

 

 

    

Total noninterest expense

   $  41,857      $  35,970      $  5,887        16.4
  

 

 

    

 

 

    

 

 

    

The increase in other expense is due to the prepayment penalty of $3.7 million related to the early payoff of an FHLB long-term advance. This was partially offset by a $465 thousand credit valuation adjustment to mortgage servicing rights.

Compensation expense included increases in commissions of $1.1 million as well as salaries of $375 thousand. The increase in commission expense is a result of increased mortgage loan activity. The increase in salaries is due to annual pay increases which occur in April.

The increase in ATM/Interchange expense is primarily due to additional volume and to a settlement received in the second quarter of 2020.

The increase in software maintenance expense is due to both increases in software maintenance contracts as well as the implementation of the new digital banking platform.

The efficiency ratio was 62.8% for the six months ended June 30, 2021 compared to 61.2% for the six months ended June 30, 2020. Removing the effect of the FHLB prepayment and the gain on the sale of the VISA B shares, the efficiency ratio would have been 58.8%.

Civista’s effective income tax rate for the first six months of 2021 was 14.1% compared to 12.2% in same period in 2020.


Balance Sheet

Total assets increased $155.8 million, or 5.6%, from December 31, 2020 to June 30, 2021, primarily due to an increase in cash of $105.8 million, or 75.8%. Securities available for sale increased $94.3 million, or 26.0%. The loan portfolio decreased $38.3 million, which includes a decrease in PPP loans of $64.3 million.

 

End of period loan balances                            
(unaudited - dollars in thousands)                            
     June 30,      December 31,                
     2021      2020      $ Change      % Change  

Commercial and Agriculture 1

   $ 328,871      $ 409,876      $ (81,005      -19.8

Commercial Real Estate:

           

Owner Occupied

     271,667        278,413        (6,746      -2.4

Non-owner Occupied

     762,983        705,072        57,911        8.2

Residential Real Estate

     426,731        442,588        (15,857      -3.6

Real Estate Construction

     188,368        175,609        12,759        7.3

Farm Real Estate

     28,616        33,102        (4,486      -13.6

Consumer and Other

     11,960        12,842        (882      -6.9
  

 

 

    

 

 

    

 

 

    

Total Loans

   $  2,019,196      $  2,057,502      $ (38,306      -1.9
  

 

 

    

 

 

    

 

 

    

 

1 

June 30, 2021 includes PPP loans totaling $153,007 and December 31, 2020 includes PPP loans totaling $217,295.

Loan balances have declined during the first half of 2021, primarily due to a net decline in PPP loans. Removing the effects of PPP loans, the loan portfolio would have increased $26.0 million, or 1.4%. Commercial Real Estate continued to grow due to consistent demand in the Non-owner Occupied category. Real Estate Construction loans increased as the construction season got underway during the second quarter. Construction availability remains near all-time highs. Commercial and Agriculture loans have been negatively impacted by the amount of governmental stimulus money. The decrease in Residential Real Estate continues as a result of portfolio loans refinanced into saleable mortgage products.

Paycheck Protection Program

During 2021, we processed approximately 1,300 loans totaling $131.1 million of PPP loans as part of the second round of the PPP. This is in addition to the $268.3 million that we processed in round one during 2020. Of the total PPP loans we have originated, $246.4 million have been forgiven or have paid off. We recognized $2.8 million of PPP fees in income during the quarter, and $5.9 million for the six months ended June 30, 2021. At June 30, 2021, $5.9 million of prepaid SBA fees remain.


COVID-19 Loan Modifications

As of June 30, 2021, the remaining loans modified under the CARES Act total $50.4 million. Details with respect to the loan modifications that remain on deferred status are as follows:

 

Loans currently modified under COVID-19 programs         
(unaudited - dollars in thousands)                

Type of Loan

   Number of
Loans
     Balance      Percent of
loans
outstanding
 

Commercial and Agriculture

     13      $ 4,222        0.21

Commercial Real Estate:

        

Owner Occupied

     5        8,185        0.41

Non-owner Occupied

     15        37,544        1.86

Real Estate Construction

     1        485        0.02
  

 

 

    

 

 

    
     34      $  50,436        2.50
  

 

 

    

 

 

    

Deposits

Total deposits increased $213.6 million, or 9.8%, from December 31, 2020 to June 30, 2021.

 

End of period deposit balances                            
(unaudited - dollars in thousands)                            
     June 30,      December 31,                
     2021      2020      $ Change      % Change  

Noninterest-bearing demand

   $ 853,724      $ 720,809      $ 132,915        18.4

Interest-bearing demand

     480,281        410,139        70,142        17.1

Savings and money market

     809,530        771,612        37,918        4.9

Time deposits

     259,457        286,838        (27,381      -9.5
  

 

 

    

 

 

    

 

 

    

Total Deposits

   $  2,402,992      $  2,189,398      $  213,594        9.8
  

 

 

    

 

 

    

 

 

    


The increase in noninterest-bearing demand of $132.9 million was primarily due to a $61.1 million increase in business demand deposit accounts, primarily due to the deposit of PPP loan proceeds. Additionally, balances related to the tax refund processing program increased $50.8 million, which is temporary, and is expected to return to levels more consistent with December 31, 2020 over the next two quarters. Interest-bearing demand deposits increased due to a $47.6 million increase in public fund accounts and a $26.7 million increase in non-public fund accounts. The increase in savings and money market was primarily due to a $40.9 million increase in statement savings, a $26.7 million increase in personal money markets and a $14.8 million increase in public fund money markets. These increases were partially offset by a decrease of $40.1 million increase in brokered money market accounts.

FHLB advances totaled $75.0 million at June 30, 2021, down $50.0 million from December 31, 2020. The decrease was due to the prepayment of a $50 million, 2.05% long-term advance.

Stock Repurchase Program

During the first six months of 2021, Civista repurchased 505,239 shares for $11.3 million at a weighted average price of $22.30 per share. We have approximately $7.4 million remaining of the current $13.5 million repurchase authorization, which was approved in April 2021. In addition, Civista liquidated 5,065 shares held by employees, at $17.71 per share, to satisfy tax obligations stemming from vesting of restricted shares.

Shareholder Equity

Total shareholders’ equity increased $2.3 million from December 31, 2020 to June 30, 2021. Retained earnings increased $16.1 million and was partially offset by an $11.4 million repurchase of treasury shares and a $3.1 million decrease in accumulated other comprehensive income.

Asset Quality

Civista recorded net recoveries of $339 thousand for the six months of 2021 compared to net recoveries of $41 thousand for the same period of 2020. The allowance for loan losses to loans was 1.30% at June 30, 2021 and 1.22% at December 31, 2020. Removing the PPP loans, the allowance ratio would have been 10 basis points higher.

 

Allowance for Loan Losses

             
(unaudited - dollars in thousands)              
     Six months ended June 30,  
     2021      2020  

Beginning of period

   $  25,028      $  14,767  

Charge-offs

     (71      (140

Recoveries

     410        181  

Provision

     830        5,612  
  

 

 

    

 

 

 

End of period

   $ 26,197      $ 20,420  
  

 

 

    

 

 

 


Non-performing assets at June 30, 2021 were $5.9 million, a 19.4% decrease from December 31, 2020. The non-performing assets to assets ratio decreased to 0.20 % from 0.27% at December 31, 2020. The allowance for loan losses to non-performing loans increased to 443.50% from 343.05% at December 31, 2020.

 

Non-performing Assets

             
(dollars in thousands)    June 30,      December 31,  
     2021      2020  

Non-accrual loans

   $ 4,288      $ 5,399  

Restructured loans

     1,619        1,897  
  

 

 

    

 

 

 

Total non-performing loans

     5,907        7,296  

Other Real Estate Owned

     —          31  
  

 

 

    

 

 

 

Total non-performing assets

   $  5,907      $  7,327  
  

 

 

    

 

 

 

Conference Call and Webcast

Civista Bancshares, Inc. will also host a conference call to discuss the Company’s financial results for the second quarter of 2021 at 1:00 p.m. ET on Friday, July 23, 2021. Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company’s website, www.civb.com. Participants can also listen to the conference call by dialing 855-238-2712 and ask to be joined into the Civista Bancshares, Inc. second quarter 2021 earnings call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

An archive of the webcast will be available for one year on the Investor Relations section of the Company’s website (www.civb.com).

Forward Looking Statements

This press release may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Civista. For these statements, Civista claims the protections of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Statements in this press release should be considered in conjunction with the other information available about Civista, including the information in the filings we make with the Securities and Exchange Commission. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance. The forward-looking statements are based on management’s expectations and are subject to a number of risks and uncertainties. We have tried, wherever possible, to identify such statements by using words such as “anticipate,” “estimate,” “project,” “intend,” “plan,” “believe,” “will” and similar expressions in connection with any discussion of future operating or financial performance. Although management believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from those expressed or implied in such statements. Risks and uncertainties that could cause actual results to differ materially include risk factors relating to the banking industry and the other factors detailed from time to time in Civista’ reports filed with the Securities and Exchange Commission, including those described in “Item 1A Risk Factors” of Part I of Civista’s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, and any additional risks identified in the Company’s subsequent Form 10-Q’s.


Undue reliance should not be placed on the forward-looking statements, which speak only as of the date hereof. Civista does not undertake, and specifically disclaims any obligation, to update any forward-looking statement to reflect the events or circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law.

Civista Bancshares, Inc. is a $2.9 billion financial holding company headquartered in Sandusky, Ohio. The Company’s banking subsidiary, Civista Bank, operates 35 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana and Northern Kentucky. Civista Bancshares, Inc. may be accessed at HUwww.civb.comUH. The Company’s common shares are traded on the NASDAQ Capital Market under the symbol “CIVB”.

For additional information, contact:

Dennis G. Shaffer

CEO and President

Civista Bancshares, Inc.

888-645-4121


Civista Bancshares, Inc.

Financial Highlights

(Unaudited, dollars in thousands, except share and per share amounts)

Consolidated Condensed Statement of Income

 

     Three Months Ended     Six Months Ended  
     June 30,     June 30,  
     2021     2020     2021     2020  

Interest income

   $ 25,498     $ 24,584     $ 51,224     $ 49,586  

Interest expense

     1,657       2,509       3,555       5,396  
  

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income

     23,841       22,075       47,669       44,190  

Provision for loan losses

     —         3,486       830       5,612  
  

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income after provision

     23,841       18,589       46,839       38,578  

Noninterest income

     9,025       6,854       18,215       13,730  

Noninterest expense

     22,467       18,114       41,857       35,970  
  

 

 

   

 

 

   

 

 

   

 

 

 

Income before taxes

     10,399       7,329       23,197       16,338  

Income tax expense

     1,235       825       3,275       2,001  
  

 

 

   

 

 

   

 

 

   

 

 

 

Net income

     9,164       6,504       19,922       14,337  

Dividends paid per common share

   $ 0.12     $ 0.11     $ 0.24     $ 0.22  

Earnings per common share,

        

basic

   $ 0.59     $ 0.41     $ 1.27     $ 0.88  

diluted

   $ 0.59     $ 0.41     $ 1.27     $ 0.88  

Average shares outstanding, (1)

        

basic

     15,529,766       15,989,851       15,674,231       16,237,242  

diluted

     15,529,766       15,989,851       15,674,231       16,237,242  

Selected financial ratios:

        

Return on average assets

     1.23     0.93     1.29     1.07

Return on average equity

     10.52     7.91     11.50     8.70

Dividend payout ratio

     20.34     27.04     18.88     24.92

Net interest margin (tax equivalent)

     3.53     3.61     3.41     3.84

 

(1)

The Company is now presenting earnings per share using the two-class method. As such, the presentation for the prior periods have been revised. Earnings per share for the prior periods did not change as a result od using the two-class method.


Selected Balance Sheet Items

(Dollars in thousands, except share and per share amounts)

 

     June 30,     December 31,  
     2021     2020  
     (unaudited)     (unaudited)  

Cash and due from financial institutions

   $ 245,306     $ 139,522  

Investment securities

     458,831       364,350  

Loans held for sale

     6,618       7,001  

Loans

     2,019,196       2,057,502  

Less: allowance for loan losses

     (26,197     (25,028
  

 

 

   

 

 

 

Net loans

     1,992,999       2,032,474  

Other securities

     20,537       20,537  

Premises and equipment, net

     22,817       22,580  

Goodwill and other intangibles

     84,980       84,926  

Bank owned life insurance

     46,467       45,976  

Other assets

     46,088       51,496  
  

 

 

   

 

 

 

Total assets

   $ 2,924,643     $ 2,768,862  
  

 

 

   

 

 

 

Total deposits

   $ 2,402,992     $ 2,189,398  

Federal Home Loan Bank advances

     75,000       125,000  

Securities sold under agreements to repurchase

     24,916       28,914  

Subordinated debentures

     29,427       29,427  

Accrued expenses and other liabilities

     39,895       46,015  

Total shareholders’ equity

     352,413       350,108  
  

 

 

   

 

 

 

Total liabilities and shareholders’ equity

   $ 2,924,643     $ 2,768,862  
  

 

 

   

 

 

 

Shares outstanding at period end

     15,434,592       15,898,032  

Book value per share

   $ 22.83     $ 22.02  

Equity to asset ratio

     12.05     12.64

Selected asset quality ratios:

    

Allowance for loan losses to total loans

     1.30     1.22

Non-performing assets to total assets

     0.20     0.26

Allowance for loan losses to non-performing loans

     443.50     343.05

Non-performing asset analysis

    

Nonaccrual loans

   $ 4,288     $ 5,399  

Troubled debt restructurings

     1,619       1,897  

Other real estate owned

     —         31  
  

 

 

   

 

 

 

Total

   $ 5,907     $ 7,327  
  

 

 

   

 

 

 


Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     June 30,     March 31,     December 31,     September 30,     June 30,  

End of Period Balances

   2021     2021     2020     2020     2020  

Assets

          

Cash and due from banks

   $ 245,306     $ 437,238     $ 139,522     $ 194,773     $ 196,520  

Investment securities

     458,831       357,798       364,350       366,691       369,181  

Loans held for sale

     6,618       10,769       7,001       13,256       18,523  

Loans

     2,019,196       2,060,239       2,057,502       2,040,940       2,022,965  

Allowance for loan losses

     (26,197     (26,133     (25,028     (22,637     (20,420
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net Loans

     1,992,999       2,034,106       2,032,474       2,018,303       2,002,545  

Other securities

     20,537       20,537       20,537       20,537       20,537  

Premises and equipment, net

     22,817       22,265       22,580       22,958       23,137  

Goodwill and other intangibles

     84,980       84,682       84,926       84,896       84,852  

Bank owned life insurance

     46,467       46,219       45,976       45,732       45,489  

Other assets

     46,088       43,754       51,496       50,847       51,369  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total Assets

   $ 2,924,643     $ 3,057,368     $ 2,768,862     $ 2,817,993     $ 2,812,153  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liabilities

          

Total deposits

   $ 2,402,992     $ 2,475,907     $ 2,189,398     $ 2,068,769     $ 2,069,261  

Federal Home Loan Bank advances

     75,000       125,000       125,000       125,000       125,000  

Securities sold under agreement to repurchase

     24,916       29,513       28,914       25,813       23,608  

Other borrowings

     —         —         —         183,695       183,695  

Subordinated debentures

     29,427       29,427       29,427       29,427       29,427  

Accrued expenses and other liabilities

     39,895       47,463       46,015       43,234       44,549  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total liabilities

     2,572,230       2,707,310       2,418,754       2,475,938       2,475,540  

Shareholders’ Equity

          

Common shares

     277,495       277,164       277,039       276,940       276,841  

Retained earnings

     109,178       101,899       93,048       84,628       78,712  

Treasury shares

     (45,953     (38,574     (34,598     (33,900     (32,594

Accumulated other comprehensive income

     11,693       9,569       14,619       14,387       13,654  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total shareholders’ equity

     352,413       350,058       350,108       342,055       336,613  

Total Liabilities and Shareholders’ Equity

   $ 2,924,643     $ 3,057,368     $ 2,768,862     $ 2,817,993     $ 2,812,153  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Quarterly Average Balances

                              

Assets:

          

Earning assets

   $  2,776,131     $  3,006,653     $  2,603,961     $  2,617,884     $  2,528,006  

Securities

     413,494       382,313       386,179       388,594       386,838  

Loans

     2,054,784       2,069,419       2,072,477       2,040,492       1,972,969  

Liabilities and Shareholders’ Equity

          

Total deposits

   $ 2,448,183     $ 2,632,782     $ 2,144,865     $ 2,084,791     $ 2,108,227  

Interest-bearing deposits

     1,580,622       1,532,759       1,458,967       1,401,318       1,317,336  

Other interest-bearing liabilities

     157,264       185,605       278,357       362,965       302,267  

Total shareholders’ equity

     349,256       349,625       343,335       339,278       330,524  


Supplemental Financial Information

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  
     June 30,     March 31,     December 31,     September 30,     June 30,  

Income statement

   2021     2021     2020     2020     2020  

Total interest and dividend income

   $ 25,498     $ 25,725     $ 25,721     $ 24,558     $ 24,584  

Total interest expense

     1,657       1,897       2,190       2,552       2,509  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income

     23,841       23,828       23,531       22,006       22,075  

Provision for loan losses

     —         830       2,250       2,250       3,486  

Noninterest income

     9,025       9,190       7,666       6,786       6,854  

Noninterest expense

     22,467       19,390       16,968       17,727       18,114  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Income before taxes

     10,399       12,798       11,979       8,815       7,329  

Income tax expense

     1,235       2,040       1,806       1,133       825  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

   $ 9,164     $ 10,758     $ 10,173     $ 7,682     $ 6,504  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Common shares dividend paid

   $ 1,885     $ 1,907     $ 1,753     $ 1,766     $ 1,764  

Per share data

                              

Earnings per common share

          

Basic

   $ 0.59     $ 0.68     $ 0.64     $ 0.48     $ 0.41  

Diluted

     0.59       0.68       0.64       0.48       0.41  

Dividends paid per common share

     0.12       0.12       0.11       0.11       0.11  

Average common shares outstanding, (1)

          

Basic

     15,529,766       15,820,301       15,861,095       15,991,270       15,989,851  

Diluted

     15,529,766       15,820,301       15,861,095       15,991,270       15,989,851  

Asset quality

                              

Allowance for loan losses, beginning of period

   $ 26,133     $ 25,028     $ 22,637     $ 20,420     $ 16,948  

Charge-offs

     (25     (46     (139     (185     (116

Recoveries

     89       321       280       152       102  

Provision

     —         830       2,250       2,250       3,486  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for loan losses, end of period

   $ 26,197     $ 26,133     $ 25,028     $ 22,637     $ 20,420  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ratios

          

Allowance to total loans

     1.30     1.27     1.22     1.11     1.01

Allowance to nonperforming assets

     443.50     423.09     341.59     292.88     262.14

Allowance to nonperforming loans

     443.50     423.09     343.05     292.88     262.14

Nonperforming assets

          

Nonperforming loans

   $ 5,907     $ 6,177     $ 7,296     $ 7,729     $ 7,790  

Other real estate owned

     —         —         31       —         —    
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total nonperforming assets

   $ 5,907     $ 6,177     $ 7,327     $ 7,729     $ 7,790  

Capital and liquidity

          

Tier 1 leverage ratio

     9.92     9.23     10.77     10.73     10.43

Tier 1 risk-based capital ratio

     14.65     15.20     14.74     14.73     12.99

Total risk-based capital ratio

     15.90     16.45     15.99     15.94     13.97

Tangible common equity ratio (2)

     9.51     9.00     9.98     9.47     9.29

 

(1)

The Company is now presenting earnings per share using the two-class method. As such, the presentation for the prior periods have been revised. Earnings per share for the prior periods did not change as a result od using the two-class method.

(2)

See reconciliation of non-GAAP measures at the end of this press release.


Reconciliation of Non-GAAP Financial Measures

(Unaudited - dollars in thousands except share data)

 

     Three Months Ended  
     June 30,     March 31,     December 31,     September 30,     June 30,  
     2021     2021     2020     2020     2020  

Tangible Common Equity

          

Total Shareholder’s Equity - GAAP

   $ 352,413     $ 350,058     $ 350,108     $ 342,055     $ 336,613  

Less: Goodwill and intangible assets

     82,235       82,458       82,681       82,907       83,135  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Tangible common equity (Non-GAAP)

   $ 270,178     $ 267,600     $ 267,427     $ 259,148     $ 253,478  

Total Shares Outstanding

     15,434,592       15,750,479       15,898,032       15,945,479       16,052,979  

Tangible book value per share

   $ 17.50     $ 16.99     $ 16.82     $ 16.25     $ 15.79  

Tangible Assets

          

Total Assets - GAAP

   $ 2,924,643     $ 3,057,368     $ 2,762,918     $ 2,817,993     $ 2,812,153  

Less: Goodwill and intangible assets

     82,235       82,458       82,681       82,907       83,135  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Tangible assets (Non-GAAP)

   $ 2,842,408     $ 2,974,910     $ 2,680,237     $ 2,735,086     $ 2,729,018  

Tangible common equity to tangible assets

     9.51     9.00     9.98     9.47     9.29


Reconciliation of Non-GAAP Efficiency Ratio

(Unaudited - dollars in thousands except share data)

 

For the three months ended:

   June 30, 2021     June 30, 2020  
     GAAP    

Non-GAAP

adjustment

   

Non-

GAAP

    GAAP     Non-GAAP
adjustment
    

Non-

GAAP

 

Noninterest expense

     22,467       (3,717 ) (1)      18,750       18,114       —          18,114  

Net interest income (FTE)

     24,247       —         24,247       22,488       —          22,488  

Noninterest income

     9,025       (1,785 ) (2)      7,240       6,854       —          6,854  

Efficiency ratio

     67.5       59.5     61.7        61.7

For the six months ended:

   June 30, 2021     June 30, 2020  
     GAAP     Non-GAAP
adjustment
   

Non-

GAAP

    GAAP     Non-GAAP
adjustment
    

Non-

GAAP

 

Noninterest expense

     41,857       (3,717 ) (1)      38,140       35,970       —          35,970  

Net interest income (FTE)

     48,483       —         48,483       45,009       —          45,009  

Noninterest income

     18,215       (1,785 ) (2)      16,430       13,730       —          13,730  

Efficiency ratio

     62.8       58.8     61.2        61.2

 

(1)

FHLB prepayment penalty

(2)

Gain on sale of VISA B shares

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Document and Entity Information
Jul. 23, 2021
Cover [Abstract]  
Security Exchange Name NASDAQ
Amendment Flag false
Entity Central Index Key 0000944745
Document Type 8-K
Document Period End Date Jul. 23, 2021
Entity Registrant Name Civista Bancshares, Inc.
Entity Incorporation State Country Code OH
Entity File Number 001-36192
Entity Tax Identification Number 34-1558688
Entity Address, Address Line One 100 East Water Street
Entity Address, Address Line Two P.O. Box 5016
Entity Address, City or Town Sandusky
Entity Address, State or Province OH
Entity Address, Postal Zip Code 44870
City Area Code (419)
Local Phone Number 625-4121
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Security 12b Title Common
Trading Symbol CIVB
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