Civista Bancshares, Inc. Announces Strong Earnings for 2015

22 Jan, 2016, 08:09 ET from Civista Bancshares, Inc.

SANDUSKY, Ohio, Jan. 22, 2016 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") reported net income attributable to common shares of $2.8 million, or $0.29 per diluted share, for the fourth quarter of 2015, compared with $1.9 million, or $0.21 per diluted share, for the prior year period.  For the twelve-month period ended December 31, 2015, Civista reported net income available to common shareholders of $11.2 million or $1.17 per diluted share, compared to $7.7 million, or $0.85 per diluted share, in the same period of 2014. 

"We have increased our 2015 diluted earnings per share by 38%.  We completed the acquisition of TCNB Financial Corp ("TCNB") in the first quarter of the year.  We have decreased our nonperforming assets 30%, increased our net interest income, slightly improved noninterest income, and reduced noninterest expenses as a percent of average assets," said James O. Miller, Chairman, President and CEO of Civista.

Results of Operations:

Net interest income for the fourth quarter of 2015 increased $1.4 million, or 13.1% and $5.5 million, or 13.2%, for the twelve months ended December 31 compared to the same periods of 2014. Tax equivalent net interest margin was 4.09% for the fourth quarter and 3.96% for the twelve months ended December 31, 2015.  The increase in net interest income for the quarter and twelve months ended December 31, 2015 was due both to an increase in average loans outstanding as well as a decrease in cost of funds.  Interest and fees on loans was also positively affected by the payoff of two of loans that had been on nonaccrual status for significant period of time, which contributed $268 thousand to the fourth quarter and $549 thousand for the year.  Mr. Miller continued, "We have maintained a core net interest margin at approximately 4.00% while keeping our asset duration under two years."

 

Summary Average Balance Sheet

(Tax-equivalent basis / dollars in thousands)

Three months ended December 31, 

2015

2014

Average balance

Interest

Yield / rate

Average balance

Interest

Yield / rate

Assets

Loans

$      996,861

$   11,513

4.59%

$      898,197

$   10,182

4.50%

Securities

212,463

1,459

3.47%

211,955

1,439

3.39%

Interest-bearing deposits

9,473

4

0.17%

6,748

2

0.12%

Total interest earning assets

$   1,218,797

$   12,976

4.36%

$   1,116,900

$   11,623

4.26%

Liabilities

Int-bearing demand and savings

$      542,255

$        107

0.08%

$      503,926

$          97

0.08%

Time deposits

214,167

392

0.73%

223,498

455

0.81%

FHLB advances and other borrowings

111,481

316

1.13%

79,314

320

1.60%

Total interest-bearing liabilities

$      867,903

$        815

0.37%

$      806,738

$        872

0.43%

Noninterest-bearing deposits

$      302,849

$      260,382

Net interest income and interest rate spread

$   12,161

3.99%

$   10,751

3.83%

Net interest margin

4.09%

3.95%

 

Summary Average Balance Sheet

(Tax-equivalent basis / dollars in thousands)

Twelve months ended December 31, 

2015

2014

Average balance

Interest

Yield / rate

Average balance

Interest

Yield / rate

Assets

Loans

$      981,475

$   44,784

4.57%

$      874,432

$   40,032

4.58%

Securities

211,436

5,815

3.46%

214,123

5,799

3.35%

Interest-bearing deposits

44,647

102

0.23%

53,829

139

0.26%

Total interest earning assets

$   1,237,558

$   50,701

4.23%

$   1,142,384

$   45,970

4.15%

Liabilities

Int-bearing demand and savings

$      543,986

$        422

0.08%

$      501,408

$        376

0.07%

Time deposits

223,099

1,665

0.75%

227,682

1,916

0.84%

FHLB advances and other borrowings

95,132

1,222

1.28%

83,058

1,812

2.18%

Total interest-bearing liabilities

$      862,217

$     3,309

0.38%

$      812,148

$     4,104

0.51%

Noninterest-bearing deposits

$      340,360

$      297,003

Net interest income and interest rate spread

$   47,392

3.84%

$   41,866

3.64%

Net interest margin

3.96%

3.79%

 

The provision for loan losses was $0 in the fourth quarter of 2015 and 2014, and $1.2 million and $1.5 million for the twelve months ended December 31, 2015 and 2014, respectively.  The decrease in provision for loan losses for the twelve months of 2015 is due to improved asset quality.  

During the quarter, noninterest income totaled $3.1 million, an increase of $288 thousand, or 10.1%, compared to the prior year's fourth quarter.  Year-to-date noninterest income increased $404 thousand, or 2.9%, when compared to year-to-date 2014.

 

Noninterest income

(dollars in thousands)

Three months ended December 31,

Twelve months ended December 31,

2015

2014

2015

2014

Service charges

$    1,221

$    1,073

$    4,708

$    4,257

Net gain on sale of securities

(13)

(1)

(18)

113

Net gain on sale of loans

218

189

1,106

659

ATM fees

502

462

1,986

1,850

Trust fees

664

734

2,823

3,130

Tax refund processing fees

-

3

2,000

2,324

Other

554

398

1,673

1,541

Total noninterest income

$    3,146

$    2,858

$  14,278

$  13,874

Service charge income increased in both the three and twelve-month periods, primarily due to an increase in business service charges, as well as service charge fees instituted in our Dayton market since the acquisition of TCNB.  Gain on sale of loans increased $29 thousand and $447 thousand in the three and twelve-month periods, respectively due to additional volume of loans sold as well as an increase in the premium on loans sold.  Trust fees decreased $70 thousand and $307 thousand for the three and twelve-month periods, respectively, due to a decrease in trust assets.  Tax refund processing fees were down $324 thousand, or 13.9% when compared to the twelve months of 2014, due to a change in the fee structure for 2015. 

Noninterest expense totaled $10.7 million and $10.5 million for the three months ended December 31, 2015 and 2014, respectively.  Year-to-date noninterest expense increased $1.4 million, or 3.4%, when compared to the twelve months of 2014.

 

Noninterest expense

(dollars in thousands)

Three months ended December 31,

Twelve months ended December 31,

2015

2014

2015

2014

Salaries, Wages and benefits

$    5,898

$    5,632

$  23,630

$  22,293

Net occupancy and equipment 

1,056

883

3,919

3,677

Contracted data processing

429

480

1,821

1,560

Professional services

745

523

2,461

1,855

Amortization of intangible assets

189

165

711

769

Marketing

197

377

1,039

1,604

Other

2,227

2,422

9,363

9,792

Total noninterest expense

$  10,741

$  10,482

$  42,944

$  41,550

Salaries, wages and benefits expense increased $266 thousand for the fourth quarter and $1.3 million for the twelve-month period ending December 31, 2015.  The increase in salaries, wages and benefits expense was due to normal merit increases, the addition of TCNB employees, as well as a change to our 401k match expense.  On January 1, 2015, the 401k plan was modified to a safe harbor plan which led to an increase in the company match.  Contracted data processing and professional fees increased for the twelve-month period ended December 31, 2015 due to expenses related to the acquisition of TCNB.  Overall acquisition related expenses included in the twelve months ended December 31, 2015 were approximately $374 thousand.

Mr. Miller continued, "We have discussed for some time that we have built a chassis that will accommodate growth.  In 2015, a year in which we added three offices from an acquisition and a loan production office, our efficiency ratio decreased to 67.0% compared to 71.7% for 2014.  Removing the acquisition related expenses for the year, our noninterest expenses only increased 2.5%."

Balance Sheet

Total assets increased $101.4 million, or 8.4%, from December 31, 2014 to December 31, 2015.  This was due primarily to the acquisition of TCNB, which closed on March 6, 2015.  Total assets of TCNB prior to the merger were $97.4 million, including $76.8 million in loans. 

Total Loans increased $86.6 million or 9.6% from December 31, 2014 to December 31, 2015.  The increase in total loans is primarily due to the acquisition of TCNB which added $76.8 million in loans. 

End of period loan balances

(dollars in thousands)

December 31,

December 31,

2015

2014

Commercial and Agriculture

$               124,402

$               113,265

Commercial Real Estate - Owner Occupied

167,897

143,014

Commercial Real Estate - Non-owner Occupied

348,439

308,666

Residential Real Estate

236,338

214,537

Real Estate Construction

58,898

65,452

Farm Real Estate

46,993

53,973

Consumer and Other

18,560

15,950

Total Loans

$            1,001,527

$               914,857

 

Total deposits increased $83.1 million, or 8.6%, from December 31, 2014 to December 31, 2015.  The increase in deposits was primarily due to the acquisition of TCNB, which included $86.9 million in deposits, partially offset by a decrease in time deposits.   

 

End of period deposit balances

(dollars in thousands)

December 31,

December 31,

2015

2014

Noninterest-bearing demand

$               300,615

$               250,701

Interest-bearing demand

176,303

179,388

Savings and money market

364,067

318,859

Time deposits

211,048

219,970

Total Deposits

$            1,052,033

$               968,918

 

Total shareholder's equity increased $10.1 million, or 8.8%, from December 31, 2014 to December 31, 2015 primarily due to increased retained earnings of $9.6 million

Asset Quality

Nonperforming assets at December 31, 2015 were $13.3 million, a $5.7 million decrease from December 31, 2014.  Net charge-offs were $1.1 million for 2015 compared to $3.4 million for 2014.

Non-performing Assets

(dollars in thousands)

December 31,

December 31,

2015

2014

Non-accrual loans

$          9,890

$        13,558

Restructured loans

3,294

4,928

Total non-performing loans

13,184

18,486

Other Real Estate Owned

116

560

Total non-performing assets

$        13,300

$        19,046

Mr. Miller continued, "Our Special Assets group continues to work toward reducing our non-performing assets.  Non-performing assets have decreased 30% since December 2014 and 49% since December 2013."

Civista Bancshares, Inc. is a $1.3 billion financial holding company headquartered in Sandusky, Ohio. The Company's banking subsidiary, Civista Bank, operates 28 locations in North Central, West Central and Southwestern Ohio.

Civista Bancshares, Inc. may be accessed at www.civb.com. The Company's common shares are traded on the NASDAQ Capital Market under the symbol "CIVB".  The Company's depositary shares, each representing a 1/40th ownership interest in a Series B Preferred Share, are traded on the NASDAQ Capital Market under the symbol "CIVBP".

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, 2014.  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 publicly release the result of any revisions that may be made 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.

Financial Highlights

(dollars in thousands, except share amounts)

Consolidated Condensed Statement of Income

Three Months Ended

Twelve Months Ended

December 31,

December 31,

(unaudited)

(unaudited)

2015

2014

2015

2014

Interest income

12,976

11,623

50,701

45,970

Interest expense

815

872

3,309

4,104

Net interest income

12,161

10,751

47,392

41,866

Provision for loan losses

-

-

1,200

1,500

Net interest income after provision

12,161

10,751

46,192

40,366

Noninterest income

3,146

2,858

14,278

13,874

Noninterest expense

10,741

10,482

42,944

41,550

Income before taxes

4,566

3,127

17,526

12,690

Income tax expense

1,367

856

4,781

3,162

Net income

3,199

2,271

12,745

9,528

Preferred stock dividends 

391

406

1,577

1,873

Net income available 

to common shareholders

2,808

1,865

11,168

7,655

Dividends per common share

$             0.05

$             0.05

$             0.20

$             0.19

Earnings per common share,

basic

$             0.36

$             0.24

$             1.43

$             0.99

diluted

$             0.29

$             0.21

$             1.17

$             0.85

Average shares outstanding,

basic

7,843,578

7,707,917

7,822,369

7,707,917

diluted

10,921,823

10,904,848

10,918,335

10,904,848

Selected financial ratios:

Return on average assets

0.97%

0.75%

0.95%

0.83%

Return on average equity

10.23%

7.72%

10.59%

8.34%

Dividend payout ratio

12.26%

16.97%

12.28%

15.37%

Net interest margin (tax equivalent)

4.09%

3.95%

3.96%

3.79%

 Selected Balance Sheet Items 

 December 31, 

 December 31, 

2015

2014

 (unaudited) 

 Cash and due from financial institutions 

$                  35,561

$                  29,858

 Investment securities 

196,249

197,905

 Loans held for sale 

2,698

2,410

 Loans 

1,001,527

914,857

 Less allowance for loan losses 

14,361

14,268

 Net loans 

987,166

900,589

 Other securities 

13,452

12,586

 Fixed assets 

16,944

14,400

 Goodwill and other intangibles 

29,504

23,745

 Bank owned life insurance 

20,104

19,637

 Other assets 

12,899

12,061

 Total assets 

$            1,314,577

$            1,213,191

 Total deposits 

$            1,052,033

$               968,918

 Federal Home Loan Bank advances 

71,200

65,200

 Securities sold under agreements to repurchase 

25,040

21,613

 Subordinated debentures 

29,427

29,427

 Accrued expenses and other liabilities 

10,806

12,124

 Total shareholders' equity 

126,071

115,909

 Total liabilities and shareholders' equity 

$            1,314,577

$            1,213,191

 Shares outstanding at period end 

7,843,578

7,707,917

 Book value per share 

$                    13.23

$                    12.04

 Tangible book value per share 

9.47

8.96

 Equity to asset ratio 

9.59%

9.55%

Selected asset quality ratios:

Allowance for loan losses to total loans

1.43%

1.56%

Non-performing assets to total assets

1.01%

1.57%

Allowance for loan losses to non-performing loans

108.93%

77.18%

Non-performing asset analysis

Nonaccrual loans

$                    9,890

$                  13,558

Troubled debt restructurings

3,294

4,928

Other real estate owned

116

560

Total

$                  13,300

$                  19,046

 

Average Balance Analysis

(Unaudited - Dollars in thousands except share data)

Three Months Ended December 31,

2015

2014

Average

Yield/

Average

Yield/

Assets:

balance

Interest

rate *

balance

Interest

rate *

Interest-earning assets:

Loans

$      996,861

$ 11,513

4.59%

$      898,197

$ 10,182

4.50%

Taxable securities

138,131

793

2.32%

145,169

833

2.31%

Non-taxable securities

74,332

666

5.62%

66,786

606

5.72%

Interest-bearing deposits in other banks

9,473

4

0.17%

6,748

2

0.12%

Total interest-earning assets

$   1,218,797

12,976

4.36%

$   1,116,900

11,623

4.26%

Noninterest-earning assets:

Cash and due from financial institutions

22,414

21,076

Premises and equipment, net

16,895

14,466

Accrued interest receivable

5,113

4,755

Intangible assets

29,622

23,839

Bank owned life insurance

20,028

19,561

Other assets

9,594

9,382

Less allowance for loan losses

(14,726)

(14,939)

      Total Assets

$   1,307,737

$   1,195,040

Liabilities and Shareholders Equity:

Interest-bearing liabilities:

Demand and savings

$      542,255

$      107

0.08%

$      503,926

$        97

0.08%

Time

214,167

392

0.73%

223,498

455

0.81%

FHLB

59,289

116

0.78%

28,373

128

1.79%

Subordinated debentures

29,427

195

2.63%

29,427

187

2.52%

Repurchase Agreements

22,765

5

0.09%

21,514

5

0.09%

Total interest-bearing liabilities

$      867,903

815

0.37%

$      806,738

872

0.43%

Noninterest-bearing deposits

302,849

260,382

Other liabilities

12,950

11,225

Shareholders' Equity

124,035

116,695

Total Liabilities and Shareholders' Equity

$   1,307,737

$   1,195,040

Net interest income and interest rate spread

$ 12,161

3.99%

$ 10,751

3.83%

Net interest margin

4.09%

3.95%

* - All yields and costs are presented on an annualized basis

 

 

Average Balance Analysis

(Unaudited - Dollars in thousands except share data)

Twelve Months Ended December 31,

2015

2014

Average

Yield/

Average

Yield/

Assets:

balance

Interest

rate *

balance

Interest

rate *

Interest-earning assets:

Loans

$      981,475

$ 44,784

4.57%

$      874,432

$ 40,032

4.58%

Taxable securities

139,762

3,232

2.31%

150,510

3,443

2.31%

Non-taxable securities

71,674

2,583

5.70%

63,613

2,356

5.80%

Interest-bearing deposits in other banks

44,647

102

0.23%

53,829

139

0.26%

Total interest-earning assets

$   1,237,558

50,701

4.23%

$   1,142,384

45,970

4.15%

Noninterest-earning assets:

Cash and due from financial institutions

34,616

35,784

Premises and equipment, net

16,081

15,262

Accrued interest receivable

4,476

4,242

Intangible assets

28,568

24,122

Bank owned life insurance

19,854

19,379

Other assets

10,181

9,133

Less allowance for loan losses

(14,689)

(15,900)

      Total Assets

$   1,336,645

$   1,234,406

Liabilities and Shareholders Equity:

Interest-bearing liabilities:

Demand and savings

$      543,986

$      422

0.08%

$      501,408

$      376

0.07%

Time

223,099

1,665

0.75%

227,682

1,916

0.84%

FHLB

45,551

442

0.97%

33,831

1,015

3.00%

Federal funds purchased

68

-

0.00%

41

-

0.00%

Subordinated debentures

29,427

760

2.58%

29,427

777

2.64%

Repurchase Agreements

20,086

20

0.10%

19,759

20

0.10%

Total interest-bearing liabilities

$      862,217

3,309

0.38%

$      812,148

4,104

0.51%

Noninterest-bearing deposits

340,360

297,003

Other liabilities

13,715

10,989

Shareholders' Equity

120,353

114,266

Total Liabilities and Shareholders' Equity

$   1,336,645

$   1,234,406

Net interest income and interest rate spread

$ 47,392

3.84%

$ 41,866

3.64%

Net interest margin

3.96%

3.79%

* - All yields and costs are presented on an annualized basis

 

Supplemental Financial Information

(Unaudited - Dollars in thousands except share data)

December 31,

September 30,

June 30,

March 31,

December 31,

End of Period Balances

2015

2015

2015

2015

2014

Assets

Cash and due from banks

$       35,561

$       33,619

$       35,092

$     142,339

$        29,858

Securities available for sale

196,249

198,655

197,429

199,693

197,905

Loans held for sale

2,698

1,223

4,034

2,919

2,410

Loans

1,001,527

1,000,275

1,002,917

984,105

914,857

Allowance for loan losses

(14,361)

(14,760)

(14,707)

(14,315)

(14,268)

Net Loans

987,166

985,515

988,210

969,790

900,589

Other securities

13,452

13,324

13,261

13,400

12,586

Fixed assets

16,944

16,200

16,308

16,163

14,400

Goodwill and other intangibles

29,504

29,683

29,608

29,790

23,745

Bank owned life insurance

20,104

19,987

19,870

19,754

19,637

Other assets

12,899

15,125

13,460

13,391

12,061

Total Assets

$  1,314,577

$  1,313,331

$  1,317,272

$  1,407,239

$  1,213,191

Liabilities

Total Deposits

$  1,052,033

$  1,055,959

$  1,075,806

$  1,197,316

$      968,918

Federal Home Loan Bank advances

71,200

72,200

55,300

17,500

65,200

Securities sold under agreement to repurchase

25,040

20,887

17,460

21,488

21,613

Subordinated debentures

29,427

29,427

29,427

29,427

29,427

Accrued expenses and other liabilities

10,806

11,521

19,257

22,581

12,124

Total liabilities

1,188,506

1,189,994

1,197,250

1,288,312

1,097,282

Shareholders' equity

Preferred shares, Series B

22,273

22,273

22,273

22,309

23,132

Common Stock

115,330

115,267

115,248

115,193

114,365

Accumulated earnings (deficit)

5,300

2,884

414

(1,924)

(4,306)

Treasury stock

(17,235)

(17,235)

(17,235)

(17,235)

(17,235)

Accumulated other comprehensive income (loss)

403

148

(678)

584

(47)

Total shareholders' equity

126,071

123,337

120,022

118,927

115,909

Total liabilities and shareholders' equity

$  1,314,577

$  1,313,331

$  1,317,272

$  1,407,239

$  1,213,191

Quarterly Average Balances

Assets:

Earning assets

$  1,218,797

$  1,230,249

$  1,246,731

$  1,254,924

$  1,116,900

Securities

212,463

210,209

211,553

211,521

211,955

Loans

996,861

1,009,372

991,487

927,105

898,197

Liabilities and shareholders' equity

Total deposits

$  1,059,271

$  1,073,930

$  1,133,432

$  1,164,674

$      987,806

Interest-bearing deposits

756,422

773,625

788,191

749,959

727,424

Interest-bearing liabilities

111,481

111,797

72,687

84,079

79,314

Total shareholders' equity

124,035

121,057

119,212

117,021

116,695

Supplemental Financial Information

(Unaudited - Dollars in thousands except share data)

Three Months Ended

December 31,

September 30,

June 30,

March 31,

December 31,

Income statement

2015

2015

2015

2015

2014

Total interest income

$         12,976

$         13,223

$         12,740

$         11,762

$         11,623

Total interest expense

815

821

824

847

872

Net interest income

12,161

12,402

11,916

10,915

10,751

Provision for loan losses

-

400

400

400

-

Noninterest income

3,146

3,076

3,652

4,402

2,858

Noninterest expense

10,741

10,666

10,933

10,603

10,482

Income before taxes

4,566

4,412

4,235

4,314

3,127

Income tax expense

1,367

1,159

1,113

1,143

857

Net income

3,199

3,253

3,122

3,171

2,270

Preferred stock dividends

391

391

391

404

406

Net income available to common shareholders

$            2,808

$            2,862

$            2,731

$            2,767

$            1,864

Common stock dividend paid

$               392

$               392

$               392

$               385

$               385

Per share data

Basic net income per common share

$              0.36

$              0.36

$              0.35

$              0.36

$              0.23

Diluted net income per common share

0.29

0.30

0.29

0.29

0.21

Dividends per common share

0.05

0.05

0.05

0.05

0.05

Average common shares outstanding - basic

7,843,578

7,843,578

7,842,159

7,758,998

7,707,917

Average common shares outstanding - diluted

10,921,823

10,921,823

10,921,824

10,907,674

10,904,848

Asset quality

Allowance for loan losses, beginning of period

$         14,760

$         14,707

$         14,315

$         14,268

$         15,445

Charge-offs

(525)

(634)

(305)

(585)

(1,341)

Recoveries

126

287

297

232

164

Provision

-

400

400

400

-

Allowance for loan losses, end of period

$         14,361

$         14,760

$         14,707

$         14,315

$         14,268

Ratios

Allowance to total loans

1.43%

1.48%

1.47%

1.45%

1.56%

Allowance to nonperforming assets

107.98%

102.90%

86.33%

74.69%

74.91%

Allowance to nonperforming loans

108.93%

106.57%

88.80%

76.81%

77.18%

Nonperforming assets

Nonperforming loans

$         13,184

$         13,851

$         16,562

$         18,638

$         18,486

Other real estate owned

116

494

474

528

560

Total nonperforming assets

$         13,300

$         14,345

$         17,036

$         19,166

$         19,046

Capital and liquidity

Tier 1 leverage ratio

9.96%

9.68%

9.38%

8.91%

10.29%

Tier 1 risk-based capital ratio

12.78%

12.47%

12.20%

12.10%

13.44%

Total risk-based capital ratio

14.04%

13.72%

13.45%

13.35%

14.70%

Tangible common equity ratio

5.75%

5.56%

5.29%

4.79%

5.80%

 

SOURCE Civista Bancshares, Inc.



RELATED LINKS

http://www.civistabank.com