<SEC-DOCUMENT>0001193125-19-025883.txt : 20190201
<SEC-HEADER>0001193125-19-025883.hdr.sgml : 20190201
<ACCEPTANCE-DATETIME>20190201161633
ACCESSION NUMBER:		0001193125-19-025883
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190201
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190201
DATE AS OF CHANGE:		20190201

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:		19560026

	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>d695214d8k.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:16pt; 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:6pt;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:22pt; 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>February&nbsp;1, 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:14pt; 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:16pt;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:8pt" 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 of</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Commission</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(IRS Employer</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>incorporation or organization)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>File Number)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>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:18pt; 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 <FONT STYLE="white-space:nowrap">Rule&nbsp;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">

<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="9%" VALIGN="top" ALIGN="left"><B>Item&nbsp;8.01</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Other Events </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Civista Bancshares, Inc. is sending a letter to its shareholders along with the payment of a first quarter dividend of $0.09 per share. The letter discusses a
number of issues that have had an impact on, and are expected to continue to impact, the Company. A copy of the letter as mailed is attached hereto as Exhibit&nbsp;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 and 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="font-size:18pt;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="9%" VALIGN="top" ALIGN="left"><B>Item&nbsp;9.01</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Financial Statements and Exhibits </B></P></TD></TR></TABLE>
<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="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="96%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(a)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="d695214dex991.htm">Exhibit 99.1 Letter to Shareholders dated February&nbsp;1, 2019</A></TD></TR>
</TABLE>
</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:12pt; 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:18pt;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="39%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="39%"></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"> <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="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Date: February&nbsp;1, 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 and Controller</TD></TR>
</TABLE> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d695214dex991.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">Exhibit 99.1 </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:71%; font-size:10pt; font-family:Times New Roman">February&nbsp;1, 2019 </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Shareholder: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Enclosed (unless you have direct deposit) is your February&nbsp;1, 2019, dividend for Civista Bancshares, Inc. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our fourth quarter 2018 earnings and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">year-to-date</FONT></FONT> results will be released on
February&nbsp;15, 2019 and earnings will be posted to our corporate website at CIVB.com. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2018 was a very busy and successful year for us. We are now
approximately $2.1&nbsp;billion in asset size with 35 branches and three loan production offices. We operate in 12 Ohio counties, two southeast Indiana counties, and one northern Kentucky county. This past year we had strong loan growth and we had
net interest margin expansion as our balance sheet has been positioned to benefit from a rising rate environment and we have controlled our funding costs relative to our peers. Our asset quality remains strong. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We completed a number of projects throughout the year. We closed the United Community Bancorp acquisition in September 2018, and some of our other more
noteworthy accomplishments included the redesign of our bank website, Civista.bank. The website is now more user friendly and easier to navigate and should provide the user with quicker access to information. We also implemented a product called
Branch Anywhere, an innovative mobile strategy that can be used with electronic devices such as smartphones and iPads and is integrated with our core system. This product allows our bankers to be more mobile and to meet with existing and potential
customers throughout our branch footprint and outside the bank at their convenience. There were a number of other projects completed that focused on improving the customer experience and providing greater security of your information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You will be receiving your annual report and proxy by <FONT STYLE="white-space:nowrap">mid-March.</FONT> In it, we will provide you more detail and narrative
on our 2018 performance. As&nbsp;always, I encourage you to read the material and vote your shares. Your votes and comments are important. We do look at this. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The annual shareholders meeting is April&nbsp;16, 2019 at 10:00 AM at the Firelands Campus of BGSU in Huron, Ohio. We hope to see you there. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If you have any questions, a call is always welcomed. </P> <P STYLE="font-size:18pt;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="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="25%"></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" ALIGN="right">Very truly yours,</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></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">


<IMG SRC="g695214g61r81.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">


<IMG SRC="g695214g27k75.jpg" ALT="LOGO">
</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">James O. Miller</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Dennis G. Shaffer</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"><I>Chairman</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>CEO and President</I></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B><I><U>Cautionary Statement Regarding Forward-Looking Information</U> </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><I>Comments made in this letter include &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of 1995.
Forward-looking statements are subject to numerous assumptions, risks and uncertainties. Although management believes that the expectations reflected in the forward-looking statements are reasonable, actual results or future events could differ,
possibly materially, from those anticipated in these forward-looking statements. The forward-looking statements speak only as of the date of this letter, and Civista Bancshares, Inc. assumes no duty to update any forward-looking statements to
reflect events or circumstances after the date of this letter, except to the extent required by law. </I></P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g695214g27k75.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g695214g27k75.jpg
M_]C_X  02D9)1@ ! 0$ W #<  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1"  ] *8# 2(  A$! Q$!_\0
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MZUXM\#^!K7?]A>Z.L:D8Y09/)M2KH'# [TDG,0<DY^N[(]8 P,<?A0 4444
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MV\3^,I&6::.Y;!E <C$MXXX/\,*E>!M2,WO^&4?"UGJ,DVC:QXD\-V%VL?\
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KK^/2+-;-;^]FU&ZPS,9;B5MTDC%B3DG\   ,  5L44 %%%% !1110!__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>g695214g61r81.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g695214g61r81.jpg
M_]C_X  02D9)1@ ! 0$ W #<  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" !+ 'X# 2(  A$! Q$!_\0
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MRI #%692V.GM@8%<]J!BTF:X'XF_''PC\*(U36]34ZC(F^'2[8J]U*.<$(2
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M!0HP* .&\;? WP#\15NCXA\)Z7J%Q=)Y<UYY CN67&/]>F)!QW#"N#@_8?\
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MDJ DA-YP$7H-J!0=JY!P*[<=*6@!*6BB@ HHHH **** "BBB@ HHHH ****
#/__9

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