Civista Bancshares Company Profile (NASDAQ:CIVB)

About Civista Bancshares (NASDAQ:CIVB)

Civista Bancshares logoCivista Bancshares, Inc. is a financial holding company. The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank, located in Erie, Crawford, Champaign, Cuyahoga, Franklin, Logan, Madison, Montgomery, Summit, Huron, Ottawa and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. The Company's loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, consumer and other. Its securities are classified as available-for-sale (AFS) securities. Its deposits include non-interest-bearing demand deposits; interest-bearing demand deposits; savings account, including money market deposit accounts, and certificates of deposit, including individual retirement accounts (IRAs).

Industry, Sector and Symbol:
  • Sector: Finance
  • Industry: Commercial Banks
  • Sub-Industry: N/A
  • Symbol: NASDAQ:CIVB
  • CUSIP: N/A
  • Web:
  • Market Cap: $213.49 million
  • Outstanding Shares: 10,170,000
Average Prices:
  • 50 Day Moving Avg: $20.08
  • 200 Day Moving Avg: $20.94
  • 52 Week Range: $13.91 - $23.75
  • Trailing P/E Ratio: 15.66
  • Foreward P/E Ratio: 15.33
  • P/E Growth: 2.05
Sales & Book Value:
  • Annual Revenue: $67.38 million
  • Price / Sales: 3.17
  • Book Value: $15.86 per share
  • Price / Book: 1.32
  • Annual Dividend: $0.24
  • Dividend Yield: 1.1%
  • Net Margins: 21.97%
  • Return on Equity: 11.19%
  • Return on Assets: 1.08%
  • Debt-to-Equity Ratio: 0.57%
  • Current Ratio: 0.95%
  • Quick Ratio: 0.95%
  • Average Volume: 62,300 shs.
  • Beta: 0.47
  • Short Ratio: 10.26

Frequently Asked Questions for Civista Bancshares (NASDAQ:CIVB)

What is Civista Bancshares' stock symbol?

Civista Bancshares trades on the NASDAQ under the ticker symbol "CIVB."

How often does Civista Bancshares pay dividends? What is the dividend yield for Civista Bancshares?

Civista Bancshares announced a quarterly dividend on Monday, July 10th. Shareholders of record on Tuesday, July 18th will be paid a dividend of $0.06 per share on Tuesday, August 1st. This represents a $0.24 dividend on an annualized basis and a yield of 1.14%. The ex-dividend date of this dividend is Friday, July 14th. View Civista Bancshares' Dividend History.

How were Civista Bancshares' earnings last quarter?

Civista Bancshares, Inc. (NASDAQ:CIVB) released its quarterly earnings data on Friday, July, 28th. The company reported $0.29 earnings per share (EPS) for the quarter, missing the Thomson Reuters' consensus estimate of $0.33 by $0.04. The company earned $17.47 million during the quarter, compared to the consensus estimate of $17.70 million. Civista Bancshares had a return on equity of 11.19% and a net margin of 21.97%. View Civista Bancshares' Earnings History.

When will Civista Bancshares make its next earnings announcement?

Civista Bancshares is scheduled to release their next quarterly earnings announcement on Thursday, October, 19th 2017. View Earnings Estimates for Civista Bancshares.

Where is Civista Bancshares' stock going? Where will Civista Bancshares' stock price be in 2017?

5 brokerages have issued 1-year target prices for Civista Bancshares' stock. Their forecasts range from $15.75 to $24.50. On average, they anticipate Civista Bancshares' share price to reach $22.06 in the next year. View Analyst Ratings for Civista Bancshares.

Who are some of Civista Bancshares' key competitors?

Who are Civista Bancshares' key executives?

Civista Bancshares' management team includes the folowing people:

  • David A. Voight, Independent Chairman of the Board
  • James O. Miller, Chairman of the Board
  • James E. McGookey, Senior Vice President, General Counsel, Secretary; Senior Vice President of the Bank
  • Todd A. Michel, Senior Vice President, Controller of the Company and the Bank
  • John A. Betts, Senior Vice President of the Company and the Bank
  • Richard J Dutton, Senior Vice President; Executive Vice President of the Bank
  • Charles A. Parcher, Senior Vice President
  • Dennis G. Shaffer, Senior Vice President, and Executive Vice President, Chief Lending Officer, of The Citizens Banking Company.
  • Paul J. Stark, Senior Vice President of the company and the bank
  • Dennis Murray, Lead Independent Director

Who owns Civista Bancshares stock?

Civista Bancshares' stock is owned by many different of retail and institutional investors. Top institutional investors include Vanguard Group Inc. (3.73%), Castine Capital Management LLC (2.26%), The Manufacturers Life Insurance Company (2.09%), Emerald Mutual Fund Advisers Trust (1.19%), Kennedy Capital Management Inc. (1.16%) and State Street Corp (1.02%). Company insiders that own Civista Bancshares stock include Allen R Nickles, Barry W Boerger, Charles A Parcher, David A Voight, Dennis E Murray Jr, Gerald B Wurm, Harry Singer, John A Betts and Thomas A Depler. View Institutional Ownership Trends for Civista Bancshares.

Who sold Civista Bancshares stock? Who is selling Civista Bancshares stock?

Civista Bancshares' stock was sold by a variety of institutional investors in the last quarter, including Castine Capital Management LLC, Acadian Asset Management LLC, Wells Fargo & Company MN, LSV Asset Management and ELCO Management Co. LLC. View Insider Buying and Selling for Civista Bancshares.

Who bought Civista Bancshares stock? Who is buying Civista Bancshares stock?

Civista Bancshares' stock was acquired by a variety of institutional investors in the last quarter, including State Street Corp, Vanguard Group Inc., Northern Trust Corp, Penn Capital Management Co. Inc., Bank of New York Mellon Corp, Kennedy Capital Management Inc., TIAA CREF Investment Management LLC and Russell Investments Group Ltd.. Company insiders that have bought Civista Bancshares stock in the last two years include Allen R Nickles, Barry W Boerger, Charles A Parcher, Dennis E Murray Jr, Gerald B Wurm, Harry Singer and John A Betts. View Insider Buying and Selling for Civista Bancshares.

How do I buy Civista Bancshares stock?

Shares of Civista Bancshares can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Civista Bancshares' stock price today?

One share of Civista Bancshares stock can currently be purchased for approximately $21.00.

MarketBeat Community Rating for Civista Bancshares (NASDAQ CIVB)
Community Ranking:  2.1 out of 5 (star star)
Outperform Votes:  71 (Vote Outperform)
Underperform Votes:  98 (Vote Underperform)
Total Votes:  169
MarketBeat's community ratings are surveys of what our community members think about Civista Bancshares and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.

Analyst Ratings

Consensus Ratings for Civista Bancshares (NASDAQ:CIVB) (How are Consensus Ratings Calculated?)
Ratings Breakdown: 2 Hold Ratings, 3 Buy Ratings
Consensus Rating:Buy (Score: 2.60)
Consensus Price Target: $22.06 (5.06% upside)

Analysts' Ratings History for Civista Bancshares (NASDAQ:CIVB)
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
7/30/2017Keefe, Bruyette & WoodsReiterated RatingBuy$24.00LowView Rating Details
7/28/2017Boenning ScattergoodSet Price TargetBuy$24.00LowView Rating Details
7/4/2017DA DavidsonReiterated RatingNeutral$24.50LowView Rating Details
10/24/2016Sandler O'NeillUpgradeHold -> BuyN/AView Rating Details
10/24/2016Hovde GroupBoost Price TargetMarket Perform$15.25 -> $15.75N/AView Rating Details
(Data available from 9/22/2015 forward)


Earnings History for Civista Bancshares (NASDAQ:CIVB)
Earnings by Quarter for Civista Bancshares (NASDAQ:CIVB)
Earnings History by Quarter for Civista Bancshares (NASDAQ CIVB)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
10/19/2017$0.29N/AView Earnings Details
7/28/2017Q2 2017$0.33$0.29$17.70 million$17.47 millionViewN/AView Earnings Details
4/28/2017Q1 2017$0.41$0.40$17.92 million$18.03 millionViewN/AView Earnings Details
1/27/2017Q4 2016$0.31$0.33$15.88 million$15.70 millionViewN/AView Earnings Details
10/21/2016Q316$0.29$0.34$16.10 million$16.18 millionViewN/AView Earnings Details
4/22/2016Q1 2016$0.31$0.43$17.50 millionViewN/AView Earnings Details
1/22/2016Q415$0.28$0.29$15.31 millionViewN/AView Earnings Details
10/23/2015Q3 2015$0.25$0.30$15.48 millionViewN/AView Earnings Details
7/24/2015Q215$0.23$0.29$15.57 millionViewN/AView Earnings Details
4/24/2015Q1 2015$0.29$0.29$15.32 millionViewN/AView Earnings Details
1/23/2015Q414$0.22$0.21$13.61 millionViewN/AView Earnings Details
10/24/2014Q3 2014$0.22$0.21$13.70 millionViewN/AView Earnings Details
7/18/2014Q2 2014$0.22$0.21$13.65 millionViewN/AView Earnings Details
4/18/2014Q1 2014$0.22$0.22$14.79 millionViewN/AView Earnings Details
1/10/2014Q4$0.19$0.10ViewN/AView Earnings Details
(Data available from 1/1/2011 forward)


Earnings Estimates for Civista Bancshares (NASDAQ:CIVB)
2017 EPS Consensus Estimate: $1.28
QuarterNumber of EstimatesLow EstimateHigh EstimateAverage Estimate
Q1 20171$0.34$0.34$0.34
Q2 20171$0.33$0.33$0.33
Q3 20172$0.29$0.32$0.31
Q4 20172$0.29$0.31$0.30
(Data provided by Zacks Investment Research)


Current Dividend Information for Civista Bancshares (NASDAQ:CIVB)
Most Recent Dividend:8/1/2017
Annual Dividend:$0.24
Dividend Yield:1.14%
Payout Ratio:17.65% (Trailing 12 Months of Earnings)
18.90% (Based on This Year's Estimates)
17.52% (Based on Next Year's Estimates)
Dividend Payments by Quarter for Civista Bancshares (NASDAQ:CIVB)

Dividend History by Quarter for Civista Bancshares (NASDAQ CIVB)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading and Institutional Ownership History for Civista Bancshares (NASDAQ:CIVB)
Insider Ownership Percentage: 4.79%
Institutional Ownership Percentage: 42.33%
Insider Trades by Quarter for Civista Bancshares (NASDAQ:CIVB)
Institutional Ownership by Quarter for Civista Bancshares (NASDAQ:CIVB)
Insider Trades by Quarter for Civista Bancshares (NASDAQ:CIVB)
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
6/23/2017Gerald B WurmInsiderBuy400$19.40$7,760.00View SEC Filing  
5/31/2017Dennis E Murray JrDirectorBuy1,000$19.25$19,250.00View SEC Filing  
5/18/2017Charles A ParcherInsiderBuy650$20.35$13,227.50View SEC Filing  
5/16/2017David A VoightDirectorSell5,884$20.78$122,269.52View SEC Filing  
5/15/2017Dennis E Murray JrDirectorBuy2,000$21.38$42,760.00View SEC Filing  
3/24/2017Dennis E Murray JrDirectorBuy1,000$20.61$20,610.00View SEC Filing  
2/28/2017John A BettsInsiderBuy650$22.50$14,625.00View SEC Filing  
2/24/2017Charles A ParcherInsiderBuy1,000$21.75$21,750.00View SEC Filing  
2/23/2017Dennis E Murray JrDirectorBuy500$22.75$11,375.00View SEC Filing  
2/22/2017Allen R NicklesDirectorBuy1,000$22.85$22,850.00View SEC Filing  
2/17/2017Barry W BoergerInsiderBuy450$22.41$10,084.50View SEC Filing  
11/14/2016Allen R NicklesDirectorBuy300$15.00$4,500.00View SEC Filing  
10/28/2016John A BettsInsiderBuy34$14.70$499.80View SEC Filing  
10/26/2016Harry SingerInsiderBuy1,650$14.86$24,519.00View SEC Filing  
8/26/2016Thomas A DeplerDirectorSell4,002$14.31$57,268.62View SEC Filing  
8/5/2016Allen R NicklesDirectorBuy450$14.03$6,313.50View SEC Filing  
6/20/2016Allen R NicklesDirectorBuy200$12.10$2,420.00View SEC Filing  
5/24/2016Allen R NicklesDirectorBuy275$11.50$3,162.50View SEC Filing  
5/20/2016Allen R NicklesDirectorBuy225$11.60$2,610.00View SEC Filing  
2/9/2016Allen R. NicklesDirectorBuy500$10.85$5,425.00View SEC Filing  
2/1/2016Allen R. NicklesDirectorBuy500$11.10$5,550.00View SEC Filing  
12/14/2015Gerald B WurmDirectorSell1,825$10.84$19,783.00View SEC Filing  
9/21/2015Margaret A. MurrayDirectorBuy10,722$9.68$103,788.96View SEC Filing  
8/26/2015James O. MillerCEOBuy1,000$10.04$10,040.00View SEC Filing  
8/11/2015Gerald B WurmDirectorBuy3,457$10.26$35,468.82View SEC Filing  
6/1/2015Allen R NicklesDirectorBuy4,000$10.50$42,000.00View SEC Filing  
2/3/2015William Patrick MurrayDirectorBuy1,304$10.25$13,366.00View SEC Filing  
2/2/2015Gerald B WurmDirectorBuy5,400$10.46$56,484.00View SEC Filing  
1/27/2015William Patrick MurrayDirectorBuy4,000$10.22$40,880.00View SEC Filing  
12/18/2014Allen R NicklesDirectorBuy1,000$10.09$10,090.00View SEC Filing  
12/4/2014Harry SingerDirectorBuy1,000$9.60$9,600.00View SEC Filing  
11/13/2014James O MillerCEOBuy1,000$10.45$10,450.00View SEC Filing  
11/4/2014Allen R NicklesDirectorBuy1,500$10.28$15,420.00View SEC Filing  
8/11/2014Margaret A MurrayDirectorBuy5,000$8.99$44,950.00View SEC Filing  
8/7/2014William Patrick MurrayDirectorBuy1,900$8.87$16,853.00View SEC Filing  
8/6/2014Gerald B WurmDirectorBuy1,450$8.90$12,905.00View SEC Filing  
7/23/2014Allen R NicklesDirectorBuy500$8.93$4,465.00View SEC Filing  
6/18/2014Dennis E Murray JrDirectorBuy6,000$8.92$53,520.00View SEC Filing  
6/13/2014Allen R NicklesDirectorBuy2,529$8.74$22,103.46View SEC Filing  
6/11/2014Allen R NicklesDirectorBuy2,500$8.70$21,750.00View SEC Filing  
5/23/2014Allen R NicklesDirectorBuy2,500$8.79$21,975.00View SEC Filing  
5/2/2014Gerald B WurmDirectorBuy1,250$9.00$11,250.00View SEC Filing  
4/28/2014Gerald B WurmDirectorBuy1,000$9.10$9,100.00View SEC Filing  
3/17/2014Margaret A MurrayDirectorBuy6,605$8.45$55,812.25View SEC Filing  
3/7/2014William Patrick MurrayDirectorBuy1,300$8.97$11,661.00View SEC Filing  
2/28/2014Richard J DuttonSVPBuy5,786$8.88$51,379.68View SEC Filing  
2/26/2014Margaret A MurrayDirectorBuy1,604$8.49$13,617.96View SEC Filing  
2/24/2014Allen R NicklesDirectorBuy1,200$8.70$10,440.00View SEC Filing  
2/14/2014Margaret A MurrayDirectorBuy13,504$8.36$112,893.44View SEC Filing  
1/14/2014Allen R NicklesDirectorBuy5,700$6.87$39,159.00View SEC Filing  
7/10/2013George E SteinemannSVPBuy1,400$7.25$10,150.00View SEC Filing  
3/26/2013John P PheifferDirectorSell2,000$6.79$13,580.00View SEC Filing  
2/26/2013John P PheifferDirectorSell4,000$6.45$25,800.00View SEC Filing  
2/6/2013Allen R NicklesDirectorBuy4,900$6.50$31,850.00View SEC Filing  
1/31/2013Allen R NicklesDirectorBuy3,600$6.00$21,600.00View SEC Filing  
1/17/2013Michael J CloseDirectorBuy4,500$5.53$24,885.00View SEC Filing  
9/20/2012William Patrick MurrayDirectorBuy2,500$5.25$13,125.00View SEC Filing  
9/14/2012John P PheifferDirectorSell2,701$5.30$14,315.30View SEC Filing  
9/13/2012William Patrick MurrayDirectorBuy2,200$5.29$11,638.00View SEC Filing  
8/30/2012Gerald B WurmDirectorBuy1,440$5.45$7,848.00View SEC Filing  
8/6/2012Allen R NicklesDirectorBuy1,000$5.60$5,600.00View SEC Filing  
(Data available from 1/1/2013 forward)


Headline Trends for Civista Bancshares (NASDAQ:CIVB)
Latest Headlines for Civista Bancshares (NASDAQ:CIVB)
DateHeadline logo$0.30 Earnings Per Share Expected for Civista Bancshares, Inc. (CIVB) This Quarter - September 22 at 10:28 AM logoCivista Bancshares, Inc. (CIVB) Given Average Rating of "Hold" by Brokerages - September 7 at 12:30 AM logoCivista Bancshares, Inc. (CIVB) Expected to Announce Quarterly Sales of $17.60 Million - September 5 at 8:14 AM logoCivista Bancshares, Inc. (CIVB) Expected to Post Earnings of $0.30 Per Share - September 3 at 4:24 PM logoCivista Bancshares, Inc. : CIVB-US: Dividend Analysis : July 18th, 2017 (record date) : By the numbers : August 24, 2017 - August 24 at 5:22 PM logo Brokerages Expect Civista Bancshares, Inc. (CIVB) Will Announce Quarterly Sales of $17.60 Million - August 18 at 8:56 PM logoCivista Bancshares (CIVB) Appoints M. Patricia Oliver to Board - August 17 at 11:35 PM logoCivista Bancshares, Inc. announces appointment of M. Patricia Oliver as director - August 17 at 6:31 PM logoCivista Bancshares, Inc. (CIVB) Receives Consensus Rating of "Hold" from Brokerages - August 13 at 12:32 AM logoCivista Bancshares, Inc. to Post FY2018 Earnings of $1.35 Per Share, DA Davidson Forecasts (NASDAQ:CIVB) - August 3 at 3:50 PM logoCivista Bancshares, Inc. (NASDAQ:CIVB) Downgraded to Sell at Zacks Investment Research - August 2 at 6:56 PM logoEdited Transcript of CIVB earnings conference call or presentation 28-Jul-17 5:00pm GMT - August 2 at 6:02 PM logoCivista Bancshares, Inc. (CIVB) to Post Q3 2017 Earnings of $0.29 Per Share, DA Davidson Forecasts - August 2 at 7:28 AM logoCivista Bancshares (CIVB) Announces 2018 CEO Transition - July 31 at 5:09 PM logoCivista Bancshares, Inc. Announces 2018 CEO Transition - July 31 at 5:09 PM logoCivista Bancshares, Inc. (NASDAQ:CIVB) Earns "Buy" Rating from Keefe, Bruyette & Woods - July 30 at 10:18 AM logo Analysts Expect Civista Bancshares, Inc. (CIVB) Will Post Quarterly Sales of $17.63 Million - July 30 at 7:18 AM logoCivista Bancshares, Inc. (NASDAQ:CIVB) Releases Earnings Results - July 29 at 1:52 PM logoCivista Bancshares, Inc. (NASDAQ:CIVB) Expected to Announce Earnings of $0.33 Per Share - July 29 at 12:23 AM logoCivista Bancshares, Inc. Announces Second Quarter 2017 Earnings - July 28 at 11:58 PM logoCivista Bancshares, Inc. (CIVB) Given "Buy" Rating at Boenning Scattergood - July 28 at 5:20 PM logoCivista Bancshares, Inc. (NASDAQ:CIVB) to Release Earnings on Friday - July 21 at 7:04 AM logoCivista Bancshares, Inc. (NASDAQ:CIVB) Receives Average Recommendation of "Hold" from Analysts - July 19 at 12:15 AM logoCivista Bancshares, Inc. (CIVB) Ex-Dividend Date... - July 13 at 6:19 PM logoCivista Bancshares, Inc. Announces Second Quarter Earnings Release Date - July 11 at 6:16 PM logoCivista Bancshares, Inc. (CIVB) to Issue $0.06 Quarterly Dividend - July 11 at 9:23 AM logoCivista Bancshares, Inc. (CIVB) Expected to Announce Quarterly Sales of $17.70 Million - July 6 at 10:12 AM logoCivista Bancshares, Inc. (CIVB) Expected to Announce Earnings of $0.33 Per Share - July 4 at 8:14 PM logoZacks Investment Research Lowers Civista Bancshares Inc (CIVB) to Sell - June 28 at 7:58 PM logoCivista Bancshares, Inc. added to membership of Russell 2000® Index - June 27 at 4:32 PM logoCivista Bancshares, Inc. (CIVB) Given Average Recommendation of "Buy" by Brokerages - June 24 at 12:50 AM logoETFs with exposure to Civista Bancshares, Inc. : June 12, 2017 - June 12 at 5:19 PM logoZacks: Brokerages Expect Civista Bancshares Inc (CIVB) Will Post Quarterly Sales of $17.70 Million - June 10 at 8:04 AM logoZacks: Brokerages Expect Civista Bancshares Inc (CIVB) Will Post Earnings of $0.33 Per Share - June 8 at 6:44 PM logoCivista Bancshares, Inc. :CIVB-US: Earnings Analysis: Q1, 2017 By the Numbers : June 8, 2017 - June 8 at 5:19 PM logoCivista Bancshares Inc (CIVB) Downgraded by Zacks Investment Research - June 6 at 5:02 PM logoCivista Bancshares Inc (CIVB) Short Interest Update - June 6 at 12:10 PM logoCivista Bancshares Inc (CIVB) Director Buys $19,250.00 in Stock - May 31 at 8:37 PM logoCivista Bancshares Inc (CIVB) Given Consensus Recommendation of "Buy" by Analysts - May 29 at 10:49 PM logoCharles A. Parcher Purchases 650 Shares of Civista Bancshares Inc (CIVB) Stock - May 19 at 1:47 PM logoDavid A. Voight Sells 5,884 Shares of Civista Bancshares Inc (CIVB) Stock - May 18 at 8:10 PM logoCivista Bancshares Inc (CIVB) Director Dennis E. Murray, Jr. Buys 2,000 Shares - May 15 at 4:22 PM logo$17.7 Million in Sales Expected for Civista Bancshares Inc (CIVB) This Quarter - May 14 at 9:30 AM logo Brokerages Expect Civista Bancshares Inc (CIVB) Will Announce Earnings of $0.33 Per Share - May 12 at 4:04 PM logoCivista Bancshares Inc (CIVB) Earns "Buy" Rating from Keefe, Bruyette & Woods - May 12 at 8:36 AM logoCivista Bancshares (CIVB) Receiving Somewhat Favorable Press Coverage, Report Shows - May 4 at 9:17 AM logoCivista Bancshares Inc (CIVB) Receives Average Rating of "Buy" from Analysts - May 3 at 12:28 AM logoCivista Bancshares Inc (CIVB) Lifted to Hold at Zacks Investment Research - May 2 at 8:32 PM logoDA Davidson Weighs in on Civista Bancshares Inc's FY2017 Earnings (CIVB) - May 2 at 11:34 AM logoCivista Bancshares Inc (CIVB) Posts Quarterly Earnings Results, Misses Expectations By $0.01 EPS - May 1 at 5:22 PM



Civista Bancshares (CIVB) Chart for Friday, September, 22, 2017

This page was last updated on 9/22/2017 by Staff