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 1.17 1.09 8  bp 0.99 18  bp
ROAE 13.77 14.12 (35)  bp 12.06 171  bp
ROATCE 13.80 14.17 (37)  bp 12.11 169  bp
Core ROAE 13.61 12.96 65  bp 11.88 173  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 20.37 21.26 (89)  bp 19.88 49  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) 326,643 292,703 11.60 316,536 12.77
Tier 1 Capital ($000) 381,219 347,479 9.71 369,253 12.96
Tier 2 Capital ($000) 92,872 88,660 4.75 90,778 9.23
Total Capital ($000) 474,091 436,139 8.70 460,031 12.23
Total Risk-weighted Assets ($000) 3,272,408 3,015,093 3,272,408 3,204,485 3,272,408
Tier 1 Common Capital (CET1) Ratio (%) 9.98 9.71 27  bp 9.88 10  bp
Tier 1 Ratio (%) 11.65 11.52 13  bp 11.52 13  bp
Total Capital Ratio (%) 14.49 14.47 2  bp 14.36 13  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.11 10.12 (1)  bp 9.86 25  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 41,799,566 41,465,452 0.81 41,771,490 0.27
Avg Diluted Shares (actual) 41,781,416 41,192,047 1.43 41,712,737 0.66
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 0.27 0.23 17.39 0.23 69.57
Core EPS Growth (%) 16.40 33.70 (1,729)  bp 10.10 623  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