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Civista Bancshares, Inc. · NASDAQ:CIVB

Civista Bancshares — Q3 2024 Earnings Presentation

47 slides from Civista Bancshares's earnings presentation, Oct 29, 2024

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  2. Slide 2: Forward-looking statements

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  7. Slide 7: Who We Are

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  8. Slide 8: Who We Are

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  9. Slide 9: Who We Are

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  10. Slide 10: Who We Are

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  11. Slide 11: Who We Are

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  12. Slide 12: Who We Are

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  13. Slide 13: Current Events

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  20. Slide 20: Financial Trends

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  35. Slide 35: Providing Shareholder Value

    Providing Shareholder Value

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  42. Slide 42: Additional Information

    Sy CIVISTA BANCSHARES, INC. Additional Information

  43. Slide 43: Financial summary

    CIVISTA BANCSHARES, INC. ($s in thousands, except per share data) Net Interest Income $85,100 $89,727 $95,425 $110,204 $125,496 $115,408 Provision for Loan Losses 1,035 10,112 830 1,752 4,435 6,993 Noninterest Income 22,443 28,182 31,452 29,077 37,163 37,556 Noninterest Expense 66,947 70,665 78,484

  44. Slide 44: Tangible common equity reconciliation

    CIVISTA BANCSHARES, INC. ($s in thousands, except per share data) Tangible Common Equity Total Shareholder's Equity - GAAP Less: Goodwill and intangible assets Tangible common equity Total Shares Outstanding Tangible book value per share Tangible Assets Total Assets - GAAP. Less: Goodwill and intang

  45. Slide 45: Adjusted efficiency ratio reconciliation

    CIVISTA BANCSHARES, INC. ($s in thousands) ($s in thousands) = 2021 Adjusted Efficiency ratio Adjusted Efficiency ratio Noninterest expense - GAAP $ 78,484 Noninterest expense - GAAP $ 90,493 FHLB prepayment penalty (3,717) Acquisition and integration expense (3,757) Adjusted noninterest expense 74,

  46. Slide 46: Adjusted efficiency ratio reconciliation

    CIVISTA BANCSHARES, INC. ($s in thousands) FY Q3 Q3 2023 2023 2024 Adjusted Efficiency ratio Noninterest expense - GAAP $ 107,611 $ 26,622 $ 27,981 Less: Amortization of intagible assets 1,579 398 363 Adjusted noninterest expense (non-GAAP ) 106,032 26,224 27,618 Net interest income - GAAP 125,496 3

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Civista Bancshares — Q3 2024 Earnings Presentation on 6ix