Civista Bancshares, Inc. (NASDAQ:CIVB) Q4 2023 Earnings Call Transcript

Daniel Cardenas : And how much capacity do you guys have left on that line?

Rich Dutton: I’ll have to you back you. It’s a lot.

Operator: There are no further questions at this time. Please proceed.

Dennis Shaffer: Okay. Well, thank you. In closing, I just want to thank everyone for joining us and those that participated in today’s call. The interest rate environment continues to be a challenge. However, our earnings do remain strong and our margin remains solid. I am very proud of the fact that for the year, we had record net income. We had year-over-year margin expansion, and we had positive earnings per share growth. And I’m sure there’s a lot of Comunibanc can say that they had all three of those things. So I remain optimistic that our disciplined approach to pricing and our solid core deposit franchise will continue to produce superior results. And I just look forward to talking to everyone in the next few months to share our first quarter results. So thank you.

Operator: Ladies and this concludes your conference call for today. We thank you for participating and ask that you please disconnect your lines.