CoBiz Financial  CoBiz Financial CoBiz Financial
CoBiz Financial  CoBiz Financial CoBiz Financial

Financial Highlights

Select Period: Financial Charting
  2017 FQ3 2016 FQ3   2017 FQ2  
Period Ended 9/30/2017 9/30/2016 Y-Y Ch (%) 6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,836,843 3,452,498 11.13 3,803,490 3.51
Total Net Loans 3,084,848 2,793,576 10.43 3,025,329 7.87
Total Deposits 3,177,532 2,937,193 8.18 3,072,639 13.66
Equity Attributable to Parent Company 329,090 295,837 11.24 319,470 12.04
Total Equity 329,090 295,837 11.24 319,470 12.04
Profitability (%)   
Net Income ($000) 11,193 10,269 9 9,489 71.83
Net Income Attributable to Parent ($000) 11,193 10,269 9 9,489 71.83
ROAA 1.18 1.19 (1)  bp 1.01 17  bp
Core ROAA NA 1.09 NA  bp 0.99 NA  bp
ROAE 13.77 14.12 (35)  bp 12.06 171  bp
ROATCE 13.93 14.17 (24)  bp 12.11 182  bp
Core ROAE NA 12.96 NA  bp 11.88 NA  bp
Net Interest Margin 3.94 3.76 18  bp 3.75 19  bp
Reported: Net Interest Margin 3.91 3.74 17  bp 3.76 15  bp
Efficiency Ratio 58.75 66.33 (758)  bp 63.11 (436)  bp
Noninterest Inc / Operating Rev 20.20 21.26 (106)  bp 19.88 32  bp
Balance Sheet Ratios (%)   
Loans / Deposits 98.24 96.25 199  bp 99.62 (138)  bp
Securities / Assets 14.33 13.18 115  bp 14.94 (61)  bp
Total Equity / Total Assets 8.58 8.57 1  bp 8.40 18  bp
Tangible Equity / Tangible Assets 8.56 8.53 3  bp 8.37 19  bp
Tang Common Equity / Tang Assets 8.56 8.53 3  bp 8.37 19  bp
Asset Quality (%)   
NPAs / Assets 1.12 1.03 9  bp 1.06 6  bp
NPA Excl Restructured / Assets 0.26 0.29 (3)  bp 0.23 3  bp
NPAs & 90+ PD / Assets 1.13 1.03 10  bp 1.08 5  bp
NPAs / Loans & REO 1.38 1.25 13  bp 1.32 6  bp
Nonaccrual & 90+ & OREO / Assets 0.26 0.29 (3)  bp 0.25 1  bp
NPAs & 90+ PD / Loans & REO 1.38 1.25 13  bp 1.34 4  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 11.82 10.80 102  bp 11.60 22  bp
NCOs / Avg Loans (0.02) (0.05) 3  bp (0.10) 8  bp
Loan Loss Reserves / Gross Loans 1.18 1.19 (1)  bp 1.16 2  bp
Reserves / NPAs 85.41 94.67 (926)  bp 88.20 (279)  bp
Loan Loss Provision / NCO NM NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA 292,703 NA 316,536 NA
Tier 1 Capital ($000) NA 347,479 NA 369,253 NA
Tier 2 Capital ($000) NA 88,660 NA 90,778 NA
Total Capital ($000) NA 436,139 NA 460,031 NA
Total Risk-weighted Assets ($000) NA 3,015,093 NA 3,204,485 NA
Tier 1 Common Capital (CET1) Ratio (%) NA 9.71 NA  bp 9.88 NA  bp
Tier 1 Ratio (%) NA 11.52 NA  bp 11.52 NA  bp
Total Capital Ratio (%) NA 14.47 NA  bp 14.36 NA  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) NA 10.12 NA  bp 9.86 NA  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 41,800,000 41,465,452 0.81 41,771,490 0.27
Avg Diluted Shares (actual) NA 41,192,047 NA 41,712,737 NA
Basic Book Value per Share 7.87 7.13 10.38 7.65 11.50
As-reported Book Value per Share 7.87 7.13 10.38 7.65 11.50
Basic Tangible Book Value per Share 7.85 7.10 10.56 7.62 12.07
Reported: Tangible Book Value 7.85 7.10 10.56 7.62 12.07
Common Dividends Declared per Share 0.06 0.05 20 0.05 80
EPS after Extra 0.27 0.25 8 0.23 69.57
EPS after Extra Growth (%) 8.00 47.10 (3,906)  bp 9.50 (152)  bp
Core EPS NA 0.23 NA 0.23 NA
Core EPS Growth (%) NA 33.70 NA  bp 10.10 NA  bp
Diluted EPS before Amortization 0.27 0.25 8 0.23 69.57
Pre-Provision Earnings per Share 0.25 0.18 38.89 0.21 76.19
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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CoBiz Financial  CoBiz Financial CoBiz Financial