XML 40 R29.htm IDEA: XBRL DOCUMENT v3.3.0.814

Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2015

Text Block [Abstract]

Changes in the Allowance for Loan Losses and Loan Balances Outstanding

The following tables present, by portfolio segment, the changes in the allowance for loan losses for the three and nine months ended September 30, 2015 and 2014.

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the nine months ended September 30, 2015
Allowance for loan losses:
Beginning balance		$	1,822			$	2,580			$	4,798			$	3,747			$	428			$	196			$	697			$	14,268
Charge-offs			(187	)			(363	)			(81	)			(779	)			—				(114	)			—				(1,524	)
Recoveries			157				223				105				289				4				38				—				816
Provision			(405	)			506				512				964				(4	)			245				(618	)			1,200
Ending Balance		$	1,387			$	2,946			$	5,334			$	4,221			$	428			$	365			$	79			$	14,760

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the nine months ended September 30, 2014
Allowance for loan losses:
Beginning balance		$	2,841			$	3,263			$	4,296			$	5,224			$	184			$	214			$	506			$	16,528
Charge-offs			(326	)			(1,615	)			(105	)			(1,329	)			—				(65	)			—				(3,440	)
Recoveries			238				316				34				216				5				48				—				857
Provision			(1,148	)			902				753				201				176				18				598				1,500
Ending Balance		$	1,605			$	2,866			$	4,978			$	4,312			$	365			$	215			$	1,104			$	15,445

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the three months ended September 30, 2015
Allowance for loan losses:
Beginning balance		$	1,395			$	3,383			$	5,427			$	3,470			$	434			$	190			$	408			$	14,707
Charge-offs			(187	)			(164	)			(18	)			(237	)			—				(28	)			—				(634	)
Recoveries			127				13				14				124				1				8				—				287
Provision			52				(286	)			(89	)			864				(7	)			195				(329	)			400
Ending Balance		$	1,387			$	2,946			$	5,334			$	4,221			$	428			$	365			$	79			$	14,760

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the three months ended September 30, 2014
Allowance for loan losses:
Beginning balance		$	2,067			$	3,135			$	4,853			$	4,439			$	287			$	196			$	418			$	15,395
Charge-offs			(13	)			(146	)			—				(275	)			—				(22	)			—				(456	)
Recoveries			143				241				10				95				2				15				—				506
Provision			(592	)			(364	)			115				53				76				26				686				—
Ending Balance		$	1,605			$	2,866			$	4,978			$	4,312			$	365			$	215			$	1,104			$	15,445

The following tables present, by portfolio segment, the allocation of the allowance for loan losses and related loan balances as of September 30, 2015 and December 31, 2014.

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
September 30, 2015
Allowance for loan losses:
Loans acquired with credit deterioration		$	—			$	—			$	—			$	131			$	—			$	—			$	—			$	131
Ending balance:
Individually evaluated for impairment		$	16			$	4			$	—			$	164			$	—			$	—			$	—			$	184
Ending balance:
Collectively evaluated for impairment		$	1,371			$	2,942			$	5,334			$	3,926			$	428			$	365			$	79			$	14,445
Ending balance		$	1,387			$	2,946			$	5,334			$	4,221			$	428			$	365			$	79			$	14,760
Loan balances outstanding:
Loans acquired with credit deterioration		$	16			$	30			$	—			$	381			$	—			$	—							$	427
Ending balance:
Individually evaluated for impairment		$	894			$	2,626			$	1,828			$	1,746			$	—			$	4							$	7,098
Ending balance:
Collectively evaluated for impairment		$	128,209			$	157,801			$	338,874			$	282,772			$	67,461			$	17,633							$	992,750
Ending balance		$	129,119			$	160,457			$	340,702			$	284,899			$	67,461			$	17,637							$	1,000,275

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
December 31, 2014
Allowance for loan losses:
Ending balance:
Individually evaluated for impairment		$	641			$	57			$	20			$	305			$	—			$	—			$	—			$	1,023
Ending balance:
Collectively evaluated for impairment		$	1,181			$	2,523			$	4,778			$	3,442			$	428			$	196			$	697			$	13,245
Ending balance		$	1,822			$	2,580			$	4,798			$	3,747			$	428			$	196			$	697			$	14,268
Loan balances outstanding:
Ending balance:
Individually evaluated for impairment		$	2,304			$	3,557			$	2,175			$	3,108			$	—			$	5							$	11,149
Ending balance:
Collectively evaluated for impairment		$	111,882			$	139,457			$	306,491			$	265,402			$	65,452			$	15,024							$	903,708
Ending balance		$	114,186			$	143,014			$	308,666			$	268,510			$	65,452			$	15,029							$	914,857

Credit Exposures by Internally Assigned Grades

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
September 30, 2015
Pass		$	124,065			$	147,049			$	326,014			$	111,857			$	58,947			$	8,201			$	776,133
Special Mention			862				5,180				10,998				1,783				18				—				18,841
Substandard			4,192				8,228				3,690				8,208				30				32				24,380
Doubtful			—				—				—				—				—				—				—
Ending Balance		$	129,119			$	160,457			$	340,702			$	121,848			$	58,995			$	8,233			$	819,354
		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
December 31, 2014
Pass		$	107,903			$	128,222			$	298,237			$	100,810			$	59,584			$	5,651			$	700,407
Special Mention			3,446				5,492				6,305				697				19				—				15,959
Substandard			2,837				9,300				4,124				8,834				41				46				25,182
Doubtful			—				—				—				—				—				—				—
Ending Balance		$	114,186			$	143,014			$	308,666			$	110,341			$	59,644			$	5,697			$	741,548

Performing and Nonperforming Loans

Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.

		Residential Real Estate				Real Estate Construction				Consumer and Other				Total
September 30, 2015
Performing		$	163,051			$	8,466			$	9,404			$	180,921
Nonperforming			—				—				—				—
Total		$	163,051			$	8,466			$	9,404			$	180,921
		Residential Real Estate				Real Estate Construction				Consumer and Other				Total
December 31, 2014
Performing		$	158,169			$	5,808			$	9,332			$	173,309
Nonperforming			—				—				—				—
Total		$	158,169			$	5,808			$	9,332			$	173,309

Aging Analysis of Past Due Loans

The following tables include an aging analysis of the recorded investment of past due loans outstanding as of September 30, 2015 and December 31, 2014.

September 30, 2015		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater				Total Past Due				Current				Total Loans				Past Due 90 Days and Accruing
Commercial & Agriculture		$	34			$	941			$	286			$	1,261			$	127,858			$	129,119			$	—
Commercial Real Estate—Owner Occupied			161				37				393				591				159,866				160,457				—
Commercial Real Estate—Non-Owner Occupied			4				—				1,496				1,500				339,202				340,702				—
Residential Real Estate			912				1,788				1,971				4,671				280,228				284,899				—
Real Estate Construction			199				—				—				199				67,262				67,461				—
Consumer and Other			490				18				24				532				17,105				17,637				24
Total		$	1,800			$	2,784			$	4,170			$	8,754			$	991,521			$	1,000,275			$	24
December 31, 2014		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater				Total Past Due				Current				Total Loans				Past Due 90 Days and Accruing
Commercial & Agriculture		$	58			$	—			$	187			$	245			$	113,941			$	114,186			$	—
Commercial Real Estate—Owner Occupied			622				251				657				1,530				141,484				143,014				—
Commercial Real Estate—Non-Owner Occupied			521				5				2,103				2,629				306,037				308,666				—
Residential Real Estate			1,923				721				2,347				4,991				263,519				268,510				—
Real Estate Construction			33				—				8				41				65,411				65,452				—
Consumer and Other			131				8				19				158				14,871				15,029				—
Total		$	3,288			$	985			$	5,321			$	9,594			$	905,263			$	914,857			$	—

Summary of Nonaccrual Loans

The following table presents loans on nonaccrual status as of September 30, 2015 and December 31, 2014.

		2015				2014
Commercial & Agriculture		$	2,146			$	1,264
Commercial Real Estate—Owner Occupied			1,219				3,403
Commercial Real Estate—Non-Owner Occupied			1,519				2,134
Residential Real Estate			5,602				6,674
Real Estate Construction			30				41
Consumer and Other			29				42
Total		$	10,545			$	13,558

Schedule of Troubled Debt Restructurings

Loan modifications that are considered TDRs completed during the nine-month periods ended September 30, 2015 and September 30, 2014 were as follows:

		For the Nine-Month Period Ended September 30, 2015												For the Nine-Month Period Ended September 30, 2014
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment
Commercial & Agriculture			—			$	—			$	—				—			$	—			$	—
Commercial Real Estate—Owner Occupied			—				—				—				—				—				—
Commercial Real Estate—Non-Owner Occupied			—				—				—				—				—				—
Residential Real Estate			—				—				—				5				245				245
Real Estate Construction			1				41				41				—				—				—
Consumer and Other			—				—				—				—				—				—
Total Loan Modifications			1			$	41			$	41				5			$	245			$	245

Loan modifications that are considered TDRs completed during the quarter ended September 30, 2015 and September 30, 2014 were as follows:

		For the Three-Month Period Ended September 30, 2015												For the Three-Month Period Ended September 30, 2014
		Number of Contracts				Pre- Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment
Commercial & Agriculture			—			$	—			$	—				—			$	—			$	—
Commercial Real Estate			—				—				—				—				—				—
Residential Real Estate			—				—				—				3				97				97
Real Estate Construction			—				—				—				—				—				—
Consumer and Other			—				—				—				—				—				—
Total Loan Modifications			—			$	—			$	—				3			$	97			$	97

Impaired Financing Receivables

The following tables include the recorded investment and unpaid principal balances for impaired financing receivables with the associated allowance amount, if applicable, as of September 30, 2015 and December 31, 2014.

		September 30, 2015												December 31, 2014
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Agriculture		$	871			$	1,036							$	1,377			$	1,504
Commercial Real Estate - Owner Occupied			2,368				2,583								2,961				3,327
Commercial Real Estate - Non-Owner Occupied			1,828				2,094								92				140
Residential Real Estate			960				1,505								1,893				3,487
Consumer and Other			4				4								5				5
Total			6,031				7,222								6,328				8,463
With an allowance recorded:
Commercial & Agriculture			23				23			$	16				927				1,056			$	641
Commercial Real Estate - Owner Occupied			258				258				4				596				643				57
Commercial Real Estate - Non-Owner Occupied			—				—				—				2,083				2,287				20
Residential Real Estate			1,145				1,162				295				1,215				1,223				305
Real Estate Construction			—				—				—				—				—				—
Total			1,426				1,443				315				4,821				5,209				1,023
Total:
Commercial & Agriculture			894				1,059				16				2,304				2,560				641
Commercial Real Estate - Owner Occupied			2,626				2,841				4				3,557				3,970				57
Commercial Real Estate - Non-Owner Occupied			1,828				2,094				—				2,175				2,427				20
Residential Real Estate			2,105				2,667				295				3,108				4,710				305
Real Estate Construction			—				—				—				—				—				—
Consumer and Other			4				4				—				5				5				—
Total		$	7,457			$	8,665			$	315			$	11,149			$	13,672			$	1,023

The following tables include the average recorded investment and interest income recognized for impaired financing receivables for the three and nine-month periods ended September 30, 2015 and 2014.

For the nine months ended:		September 30, 2015								September 30, 2014
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial & Agriculture		$	1,680			$	54			$	3,570			$	104
Commercial Real Estate - Owner Occupied			3,507				168				6,313				208
Commercial Real Estate - Non-Owner Occupied			1,997				31				2,913				31
Residential Real Estate			2,640				128				3,559				220
Real Estate Construction			20				—				—				—
Consumer and Other			5				—				7				—
Total		$	9,849			$	381			$	16,362			$	563
For the three months ended:		September 30, 2015								September 30, 2014
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial & Agriculture		$	1,058			$	9			$	2,829			$	25
Commercial Real Estate - Owner Occupied			3,263				39				5,115				21
Commercial Real Estate - Non-Owner Occupied			1,870				12				2,770				(4	)
Residential Real Estate			2,450				49				3,336				74
Real Estate Construction			20				—				—				—
Consumer and Other			4				—				6				—
Total		$	8,665			$	109			$	14,056			$	116

X

- Definition

Performing and nonperforming loans.

+ References

No definition available.

+ Details

Name:	civb_PerformingAndNonperformingLoansTableTextBlock
Namespace Prefix:	civb_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 55



-Paragraph 19



-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 29



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 15



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7A



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_TextBlockAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 33



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 34



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration