CIVISTA BANCSHARES, INC. (CIVB) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — CIVB

Balance Sheet

(in billions USD)

Metric	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.08	0.06	0.07	0.09	0.07	0.06	0.05	0.05	0.04	0.05	0.04	0.23	0.41	0.25	0.25	0.44
Net Loans & Leases	3.19	3.06	3.11	3.06	3.00	2.98	--	--	--	2.05	1.91	1.66	1.64	1.63	1.65	1.69
Total Assets	4.30	4.11	4.19	4.15	4.06	4.01	3.88	3.73	3.62	3.58	3.24	3.04	3.18	2.95	2.92	3.06
Total Deposits	3.50	3.23	3.20	3.24	3.22	2.98	2.98	2.80	2.94	2.84	2.71	2.46	2.62	2.43	2.40	2.48
Total Liabilities	3.75	3.61	3.78	3.75	3.67	3.64	3.51	3.40	3.27	3.24	2.94	2.74	2.86	2.60	2.57	2.71
Retained Earnings	0.25	0.23	0.22	0.21	0.20	0.19	0.19	0.18	0.17	0.16	0.15	0.14	0.13	0.12	0.11	0.10
Total Stockholder Equity	0.55	0.50	0.40	0.40	0.39	0.37	0.37	0.33	0.35	0.35	0.30	0.30	0.33	0.35	0.35	0.35

Income Statement

(in millions USD) (except per-share rows)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Interest & Dividend Income	55.81	55.74	55.24	56.27	53.73	53.23	52.74	50.59	50.13	52.07	45.79	43.34	41.54	37.99	32.53	26.06	24.67	24.74	25.78	25.50
Interest Expense	--	--	--	--	--	--	--	22.84	21.76	22.02	14.28	12.00	8.94	5.43	2.09	1.80	1.73	1.41	1.35	1.66
Net Interest Income	37.82	36.45	34.55	34.81	32.77	31.35	29.23	27.75	28.37	30.05	31.50	31.34	32.60	32.57	30.44	24.27	22.93	23.32	24.43	23.84
Provision for Credit Losses	(0.77)	0.72	0.38	1.17	1.25	0.70	1.35	1.80	2.04	2.32	0.63	0.86	0.62	0.75	0.30	0.40	0.30	0.00	0.00	0.00
Non-interest Income	9.43	9.89	9.63	6.59	7.86	9.02	9.69	10.54	8.50	8.82	8.13	9.15	11.07	10.06	5.73	5.64	7.64	6.81	6.43	9.03
Non-interest Expense	29.87	31.00	28.33	27.48	27.13	28.30	27.98	28.56	27.69	25.31	26.75	27.91	27.63	27.30	22.56	20.38	20.26	17.17	19.45	22.47
Pretax Income	18.01	14.75	15.65	12.90	11.94	11.38	9.92	8.08	7.20	11.24	12.25	11.71	15.42	14.58	13.32	9.12	10.02	12.96	11.41	10.40
Tax Provision	3.02	2.48	2.89	1.88	1.77	1.49	1.55	1.02	0.84	1.58	1.86	1.68	2.53	2.43	2.21	1.42	1.55	1.98	1.76	1.24
Net Income	14.99	12.27	12.76	11.02	10.17	9.89	8.37	7.06	6.36	9.65	10.39	10.03	12.89	12.15	11.11	7.70	8.47	10.98	9.64	9.16
Basic EPS	0.72	0.59	0.68	0.71	0.66	0.62	0.53	0.45	0.41	0.61	0.66	0.64	0.82	0.78	0.72	0.53	0.57	0.72	0.64	0.59
Diluted EPS	0.72	0.59	0.68	0.71	0.66	0.62	0.53	0.45	0.41	0.61	0.66	0.64	0.82	0.78	0.72	0.53	0.57	0.72	0.64	0.59

Cash Flow Statement

(in millions USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Operating Cash Flow	12.18	9.61	18.97	11.08	3.61	22.62	12.91	11.97	0.75	2.11	21.47	19.33	19.79	(2.24)	(20.21)	38.51	9.11	6.47	14.30	3.58
Capital Expenditures	--	--	--	--	0.16	--	--	--	0.12	1.26	0.81	0.11	1.25	3.30	0.54	2.53	0.14	0.24	0.47	1.05
Free Cash Flow*	--	--	--	--	3.45	--	--	--	0.63	0.84	20.66	19.22	18.55	(5.54)	(20.74)	35.98	8.98	6.23	13.83	2.53
Investing Cash Flow	38.26	66.05	65.62	(54.85)	(21.23)	(71.72)	(23.06)	(129.85)	(34.17)	(94.96)	(131.32)	(46.87)	(38.63)	(202.61)	(113.14)	(43.74)	(50.87)	(46.55)	(25.29)	(58.74)
Financing Cash Flow	(44.24)	(61.11)	(95.68)	27.17	44.92	37.60	29.05	123.33	23.32	102.94	118.81	16.18	28.20	207.29	(59.02)	(174.19)	190.22	53.63	18.85	(136.78)

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q4 2016	Q3 2016	Q2 2016	Q1 2016	Q4 2015	Q3 2015	Q2 2015	Q1 2015	Q4 2014	Q3 2014	Q2 2014	Q1 2014	Q4 2013	Q3 2013	Q2 2013	Q1 2013	Q4 2012	Q3 2012	Q2 2012	Q1 2012
Dividends Per Share	0.06	0.06	0.05	0.05	0.05	0.10	0.00	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03