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

Financial Highlights

Select Period: Financial Charting
  2017 FQ1 2016 FQ1   2016 FQ4  
Period Ended 3/31/2017 3/31/2016 Y-Y Ch (%) 12/31/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,731,342 3,357,000 11.15 3,630,313 11.13
Total Net Loans 2,952,857 2,681,603 10.12 2,900,812 7.18
Total Deposits 3,050,101 2,774,364 9.94 3,029,783 2.68
Equity Attributable to Parent Company 310,209 277,811 11.66 302,310 10.45
Total Equity 310,209 277,811 11.66 302,310 10.45
Profitability (%)   
Net Income ($000) 8,614 7,365 16.96 8,733 (5.45)
Net Income Attributable to Parent ($000) 8,614 7,365 16.96 8,733 (5.45)
ROAA 0.95 0.88 7  bp 0.99 (4)  bp
Core ROAA 0.93 0.85 8  bp 0.98 (5)  bp
ROAE 11.23 10.68 55  bp 11.62 (39)  bp
ROATCE 11.28 10.77 51  bp 11.67 (39)  bp
Core ROAE 11.04 10.36 68  bp 11.56 (52)  bp
Net Interest Margin 3.72 3.71 1  bp 3.77 (5)  bp
Reported: Net Interest Margin 3.77 3.73 4  bp 3.75 2  bp
Efficiency Ratio 66.72 69.14 (242)  bp 65.47 125  bp
Noninterest Inc / Operating Rev 20.91 20.31 60  bp 23.46 (255)  bp
Balance Sheet Ratios (%)   
Loans / Deposits 97.93 97.93 0  bp 96.84 109  bp
Securities / Assets 15.33 14.75 58  bp 14.06 127  bp
Total Equity / Total Assets 8.31 8.28 3  bp 8.33 (2)  bp
Tangible Equity / Tangible Assets 8.28 8.23 5  bp 8.29 (1)  bp
Tang Common Equity / Tang Assets 8.28 8.23 5  bp 8.29 (1)  bp
Asset Quality (%)   
NPAs / Assets 0.84 1.19 (35)  bp 0.86 (2)  bp
NPA Excl Restructured / Assets 0.22 0.40 (18)  bp 0.21 1  bp
NPAs & 90+ PD / Assets 0.84 1.19 (35)  bp 0.88 (4)  bp
NPAs / Loans & REO 1.05 1.46 (41)  bp 1.07 (2)  bp
Nonaccrual & 90+ & OREO / Assets 0.22 0.40 (18)  bp 0.23 (1)  bp
NPAs & 90+ PD / Loans & REO 1.05 1.46 (41)  bp 1.09 (4)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 9.16 12.80 (364)  bp 9.57 (41)  bp
NCOs / Avg Loans (0.04) 0.85 (89)  bp 0.08 (12)  bp
Loan Loss Reserves / Gross Loans 1.15 1.30 (15)  bp 1.13 2  bp
Reserves / NPAs 108.78 88.55 2,023  bp 106.27 251  bp
Loan Loss Provision / NCO NM 6.41 NM 59.66 NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 307,827 275,222 11.85 300,948 9.14
Tier 1 Capital ($000) 360,031 318,661 12.98 357,305 3.05
Tier 2 Capital ($000) 89,139 95,067 (6.24) 89,172 (0.15)
Total Capital ($000) 449,170 413,728 8.57 446,477 2.41
Total Risk-weighted Assets ($000) 3,141,044 3,029,507 3,141,044 3,083,061 3,141,044
Tier 1 Common Capital (CET1) Ratio (%) 9.80 9.08 72  bp 9.76 4  bp
Tier 1 Ratio (%) 11.46 10.52 94  bp 11.59 (13)  bp
Total Capital Ratio (%) 14.30 13.66 64  bp 14.48 (18)  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 9.98 9.60 38  bp 10.17 (19)  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 41,731,028 41,355,047 0.91 41,555,208 1.69
Avg Diluted Shares (actual) 41,584,587 40,828,892 1.85 41,371,000 2.07
Basic Book Value per Share 7.43 6.72 10.57 7.27 8.80
As-reported Book Value per Share 7.43 6.72 10.57 7.27 8.80
Basic Tangible Book Value per Share 7.41 6.67 11.09 7.24 9.39
Reported: Tangible Book Value 7.41 6.67 11.09 7.24 9.39
Common Dividends Declared per Share 0.05 0.05 25 0.05 0
EPS after Extra 0.20 0.18 11.11 0.21 (19.05)
EPS after Extra Growth (%) 11.10 0 1,111  bp 90.90 (7,980)  bp
Core EPS 0.20 0.17 17.65 0.21 (19.05)
Core EPS Growth (%) 12.70 (3.3) 1,595  bp 106.60 (9,394)  bp
Diluted EPS before Amortization 0.20 0.18 11.11 0.21 (19.05)
Pre-Provision Earnings per Share 0.16 0.15 6.67 0.19 (63.16)
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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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Denver, CO 80202
303.312.3412
info@cobizfinancial.com

CoBiz Financial  CoBiz Financial CoBiz Financial