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

Financial Highlights

Select Period: Financial Charting
  2018 FQ1 2017 FQ1   2017 FQ4  
Period Ended 3/31/2018 3/31/2017 Y-Y Ch (%) 12/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,815,507 3,731,342 2.26 3,846,272 (3.20)
Total Net Loans 3,047,646 2,952,857 3.21 3,107,622 (7.72)
Total Deposits 3,179,766 3,050,101 4.25 3,225,220 (5.64)
Equity Attributable to Parent Company 338,557 310,209 9.14 329,284 11.26
Total Equity 338,557 310,209 9.14 329,284 11.26
Profitability (%)   
Net Income ($000) 12,981 8,614 50.70 3,622 1,033.57
Net Income Attributable to Parent ($000) 12,981 8,614 50.70 3,622 1,033.57
ROAA 1.36 0.95 41  bp 0.38 98  bp
Core ROAA 1.35 0.93 42  bp 1.10 25  bp
ROAE 15.71 11.23 448  bp 4.33 1,138  bp
ROATCE 15.66 11.28 438  bp 4.42 1,124  bp
Core ROAE 15.60 11.04 456  bp 12.70 290  bp
Net Interest Margin 3.88 3.72 16  bp 3.98 (10)  bp
Reported: Net Interest Margin 3.93 3.77 16  bp 3.95 (2)  bp
Efficiency Ratio 63.93 66.72 (279)  bp 61.53 240  bp
Noninterest Inc / Operating Rev 20.25 20.91 (66)  bp 19.17 108  bp
Balance Sheet Ratios (%)   
Loans / Deposits 97.00 97.93 (93)  bp 97.53 (53)  bp
Securities / Assets 15.26 15.33 (7)  bp 14.02 124  bp
Total Equity / Total Assets 8.87 8.31 56  bp 8.56 31  bp
Tangible Equity / Tangible Assets 8.86 8.28 58  bp 8.54 32  bp
Tang Common Equity / Tang Assets 8.86 8.28 58  bp 8.54 32  bp
Asset Quality (%)   
NPAs / Assets 1.69 0.84 85  bp 1.70 (1)  bp
NPA Excl Restructured / Assets 0.61 0.22 39  bp 0.33 28  bp
NPAs & 90+ PD / Assets 1.69 0.84 85  bp 1.71 (2)  bp
NPAs / Loans & REO 2.09 1.05 104  bp 2.08 1  bp
Nonaccrual & 90+ & OREO / Assets 0.61 0.22 39  bp 0.34 27  bp
NPAs & 90+ PD / Loans & REO 2.09 1.05 104  bp 2.09 0  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 17.24 9.16 808  bp 17.94 (70)  bp
NCOs / Avg Loans 0.11 (0.04) 15  bp (0.02) 13  bp
Loan Loss Reserves / Gross Loans 1.19 1.15 4  bp 1.21 (2)  bp
Reserves / NPAs 56.98 108.78 (5,180)  bp 58.00 (102)  bp
Loan Loss Provision / NCO (39.63) NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 339,851 307,827 10.40 328,845 13.39
Tier 1 Capital ($000) 401,501 360,031 11.52 389,812 11.99
Tier 2 Capital ($000) 90,766 89,139 1.83 91,286 (2.28)
Total Capital ($000) 492,267 449,170 9.59 481,098 9.29
Total Risk-weighted Assets ($000) 3,250,412 3,141,044 3.48 3,305,943 (6.72)
Tier 1 Common Capital (CET1) Ratio (%) 10.46 9.80 66  bp 9.95 51  bp
Tier 1 Ratio (%) 12.35 11.46 89  bp 11.79 56  bp
Total Capital Ratio (%) 15.14 14.30 84  bp 14.55 59  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.55 9.98 57  bp 10.14 41  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 42,366,023 41,731,028 1.52 42,217,318 1.41
Avg Diluted Shares (actual) 41,962,782 41,584,587 0.91 41,908,000 0.52
Basic Book Value per Share 7.99 7.43 7.54 7.80 9.74
As-reported Book Value per Share 7.99 7.43 7.54 7.80 9.74
Basic Tangible Book Value per Share 7.98 7.41 7.69 7.78 10.28
Reported: Tangible Book Value 7.98 7.41 7.69 7.78 10.28
Common Dividends Declared per Share 0.06 0.05 20 0.06 0
EPS after Extra 0.31 0.20 55 0.09 977.78
EPS after Extra Growth (%) 55.00 11.10 4,389  bp (57.1) 11,214  bp
Core EPS 0.31 0.20 55 0.27 59.26
Core EPS Growth (%) 56.50 12.70 4,384  bp 27.00 2,955  bp
Diluted EPS before Amortization 0.31 0.20 55 0.09 977.78
Pre-Provision Earnings per Share 0.28 0.16 75 0.24 66.67
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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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