Civista Bancshares(CIVB) - 2024 Q1 - Quarterly Report

Liquidity ITEM 3. Quantitative and Qualitative Disclosures About Market Risk Several techniques may be used by an institution to minimize interest-rate risk. One approach used by the Company is to periodically analyze its assets and liabilities and make future financing and investment decisions based on payment streams, interest rates, contractual maturities, and estimated sensitivity to actual or potential changes in market interest rates. Such activities fall under the broad definition of asset/liability ...