<SEC-DOCUMENT>0001193125-19-013550.txt : 20190122
<SEC-HEADER>0001193125-19-013550.hdr.sgml : 20190122
<ACCEPTANCE-DATETIME>20190122094535
ACCESSION NUMBER:		0001193125-19-013550
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20190122
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190122
DATE AS OF CHANGE:		20190122

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:		19534492

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d693946d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT
STYLE="white-space:nowrap">8-K</FONT> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CURRENT
REPORT </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to section 13 or 15(d) of </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>The Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Date of Report (Date of earliest event reported) </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>January&nbsp;22, 2019 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>Civista
Bancshares, Inc. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of Registrant as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Ohio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">001-36192</FONT></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">34-1558688</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(State or other jurisdiction<BR>of incorporation or organization)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Commission<BR>File Number)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>( IRS Employer<BR>Identification No.)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>100 East Water Street, P.O. Box 5016, Sandusky, Ohio 44870 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address of principle executive offices) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Registrant&#146;s telephone number, including area code: (419) <FONT STYLE="white-space:nowrap">625-4121</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>N/A </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Former name or
former address, if changed since last report) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below
if the Form <FONT STYLE="white-space:nowrap">8-K</FONT> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Soliciting material pursuant to Rule <FONT STYLE="white-space:nowrap">14a-12</FONT> under the Exchange Act (17
CFR <FONT STYLE="white-space:nowrap">240.14a-12)</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><FONT STYLE="white-space:nowrap">Pre-commencement</FONT> communications pursuant to Rule <FONT
STYLE="white-space:nowrap">14d-2(b)</FONT> under the Exchange Act (17 CFR <FONT STYLE="white-space:nowrap">240.14d-2(b))</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><FONT STYLE="white-space:nowrap">Pre-commencement</FONT> communications pursuant to Rule <FONT
STYLE="white-space:nowrap">13e-4(c)</FONT> under the Exchange Act (17 CFR <FONT STYLE="white-space:nowrap">240.13e-4(c))</FONT> </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this
chapter) or Rule <FONT STYLE="white-space:nowrap">12b-2</FONT> of the Securities Act of 1934 <FONT STYLE="white-space:nowrap">(&#167;240.12b-2</FONT> of this chapter) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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&nbsp;13(a) of the Exchange
Act.&nbsp;&nbsp;&#9744; </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;8.01 Other Events </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On January&nbsp;22, 2019, Civista Bancshares, Inc. issued a press release announcing it plans to release fourth quarter financial results prior to market open
on February&nbsp;15, 2019. A copy of the press release is attached hereto as Exhibit 99.1. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc. is a $2.1&nbsp;billion financial
holding company headquartered in Sandusky, Ohio. The Company&#146;s banking subsidiary, Civista Bank, operates 38 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana and Northern Kentucky. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc. may be accessed at www.civb.com. The Company&#146;s common shares are traded on the NASDAQ Capital Market under the symbol
&#147;CIVB&#148;. The Company&#146;s depositary shares, each representing a 1/40<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> ownership interest in a Series B Preferred Share, are traded on the NASDAQ Capital Market under the symbol
&#147;CIVBP&#148;. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;9.01 Financial Statements and Exhibits </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<A HREF="d693946dex991.htm">Exhibit 99.1 Press release of Civista Bancshares, Inc. announcing the fourth quarter earnings release date. </A> </P>
</DIV></Center>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SIGNATURE </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">(Registrant)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Date: January&nbsp;22, 2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Todd A. Michel</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Todd A. Michel,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President&nbsp;&amp; Controller</TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d693946dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g693946g45h23.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Civista Bancshares, Inc. Announces Fourth Quarter Earnings Release Date </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Sandusky, Ohio, January</I></B><B><I></I></B><B><I>&nbsp;22, 2019</I></B> /PRNewswire/&#150; Civista Bancshares, Inc. (NASDAQ:CIVB)
(&#147;Civista&#148;) announced today that it will issue its fourth quarter 2018 financial results prior to market open on Friday, February&nbsp;15, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc. will also host a conference call and webcast at 1:00 p.m. Eastern Time on Friday, February&nbsp;15, 2019 to discuss its financial
results. Analysts may participate in the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">question-and-answer</FONT></FONT> session. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Conference Call, Replay and Webcast Information: </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date:
Friday, February&nbsp;15, 2019 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Time: 1:00 p.m. Eastern Time </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Telephone Access: (855) <FONT STYLE="white-space:nowrap">238-2712;</FONT> ask to be joined into the Civista Bancshares, Inc. Fourth Quarter 2018 Earnings call.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Webcast Access: A live webcast will be available on the <U>Webcasts and Presentations</U> page in the Company&#146;s website. An archived version of the
webcast will be available in the same location shortly after the live call has ended. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About Civista Bancshares, Inc.</U>: </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc. is a $2.1&nbsp;billion financial holding company headquartered in Sandusky, Ohio. Civista&#146;s banking subsidiary, Civista Bank,
operates 38 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana and Northern Kentucky. Civista Bancshares, Inc. may be accessed at www.civb.com. The Company&#146;s common shares are traded on the NASDAQ Capital Market under
the symbol &#147;CIVB&#148;. Civista&#146;s depository shares, each representing a 1/40<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> ownership interest in a Series B Preferred Share, are traded on the NASDAQ Capital Market under the symbol
&#147;CIVBP&#148;. 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CONTACTS: Richard J. Dutton SVP, Operations, at rjdutton@civb.com or (419) <FONT
STYLE="white-space:nowrap">626-7351.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Source: Civista Bancshares, Inc. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g693946g45h23.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g693946g45h23.jpg
M_]C_X  02D9)1@ ! 0$!+ $L  #_X@Q824-#7U!23T9)3$4  0$   Q(3&EN
M;P(0  !M;G1R4D="(%A96B 'S@ "  D !@ Q  !A8W-P35-&5     !)14,@
M<U)'0@                  ]M8  0    #3+4A0("
M                                             !%C<')T   !4
M #-D97-C   !A    &QW='!T   !\    !1B:W!T   "!    !1R6%E:   "
M&    !1G6%E:   "+    !1B6%E:   "0    !1D;6YD   "5    '!D;61D
M   "Q    (AV=65D   #3    (9V:65W   #U    "1L=6UI   #^    !1M
M96%S   $#    "1T96-H   $,     QR5%)#   $/   " QG5%)#   $/
M" QB5%)#   $/   " QT97AT     $-O<'ER:6=H=" H8RD@,3DY."!(97=L
M971T+5!A8VMA<F0@0V]M<&%N>0  9&5S8P         2<U)'0B!)14,V,3DV
M-BTR+C$              !)S4D="($E%0S8Q.38V+3(N,0
M                                                    6%E:(
M     /-1  $    !%LQ865H@                     %A96B        !O
MH@  ./4   .06%E:(        &*9  "WA0  &-I865H@        )*    ^$
M  "VSV1E<V,         %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M    %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M                                  !D97-C         "Y)14,@-C$Y
M-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M('-21T(
M     "Y)14,@-C$Y-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M
M('-21T(                             9&5S8P         L4F5F97)E
M;F-E(%9I97=I;F<@0V]N9&ET:6]N(&EN($E%0S8Q.38V+3(N,0
M    +%)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,V,3DV-BTR
M+C$                                  '9I97<      !.D_@ 47RX
M$,\4  /MS  $$PL  UR>     5A96B       $P)5@!0    5Q_G;65A<P
M       !                         H\    "<VEG(     !#4E0@8W5R
M=@        0     !0 *  \ %  9 !X (P H "T ,@ W #L 0 !% $H 3P!4
M %D 7@!C &@ ;0!R '< ? "! (8 BP"0 )4 F@"? *0 J0"N +( MP"\ ,$
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M])5?E<F6-):?EPJ7=9?@F$R8N)DDF9"9_)IHFM6;0INOG!R<B9SWG62=TIY
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M 2(  A$! Q$!_\0 'P   04! 0$! 0$           $" P0%!@<("0H+_\0
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M\77"06'C.Q21_NB]W6P^F9 HS7K,4R3QI)&PDC<!E93D$'H0:4Z<Z;M.+7J
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MWG<97Y.U6/4+Z"L_X;?#N+P=8>?=!)=5F'[R3J(Q_<4_S-?)O[9/[9!@^V^
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M9&?(7^Z/?UJC\*OAF-%C35M6C!OW&886&?('J?\ :/Z5\U?MD_MD?8Q>^ _
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910 4444 %%%% !1110 4444 %%%% '__V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
