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

Financial Highlights

Select Period: Financial Charting
  2017 FQ4 2016 FQ4   2017 FQ3  
Period Ended 12/31/2017 12/31/2016 Y-Y Ch (%) 9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,846,272 3,630,313 5.95 3,836,843 0.98
Total Net Loans 3,107,622 2,900,812 7.13 3,084,848 2.95
Total Deposits 3,225,220 3,029,783 6.45 3,177,532 6
Equity Attributable to Parent Company 329,284 302,310 8.92 329,090 0.24
Total Equity 329,284 302,310 8.92 329,090 0.24
Profitability (%)   
Net Income ($000) 3,622 8,733 (58.53) 11,193 (270.56)
Net Income Attributable to Parent ($000) 3,622 8,733 (58.53) 11,193 (270.56)
ROAA 0.38 0.99 (61)  bp 1.18 (80)  bp
Core ROAA 0.36 0.98 (62)  bp 1.17 (81)  bp
ROAE 4.33 11.62 (729)  bp 13.77 (944)  bp
ROATCE 4.42 11.67 (725)  bp 13.80 (938)  bp
Core ROAE 4.15 11.56 (741)  bp 13.61 (946)  bp
Net Interest Margin 3.98 3.77 21  bp 3.94 4  bp
Reported: Net Interest Margin 3.95 3.75 20  bp 3.91 4  bp
Efficiency Ratio 61.53 65.47 (394)  bp 58.75 278  bp
Noninterest Inc / Operating Rev 19.17 23.46 (429)  bp 20.37 (120)  bp
Balance Sheet Ratios (%)   
Loans / Deposits 97.53 96.84 69  bp 98.24 (71)  bp
Securities / Assets 14.02 14.06 (4)  bp 14.33 (31)  bp
Total Equity / Total Assets 8.56 8.33 23  bp 8.58 (2)  bp
Tangible Equity / Tangible Assets 8.54 8.29 25  bp 8.56 (2)  bp
Tang Common Equity / Tang Assets 8.54 8.29 25  bp 8.56 (2)  bp
Asset Quality (%)   
NPAs / Assets 1.70 0.86 84  bp 1.12 58  bp
NPA Excl Restructured / Assets 0.33 0.21 12  bp 0.26 7  bp
NPAs & 90+ PD / Assets 1.71 0.88 83  bp 1.13 58  bp
NPAs / Loans & REO 2.08 1.07 101  bp 1.38 70  bp
Nonaccrual & 90+ & OREO / Assets 0.34 0.23 11  bp 0.26 8  bp
NPAs & 90+ PD / Loans & REO 2.09 1.09 100  bp 1.38 71  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 17.94 9.57 837  bp 11.82 612  bp
NCOs / Avg Loans (0.02) 0.08 (10)  bp (0.02) 0  bp
Loan Loss Reserves / Gross Loans 1.21 1.13 8  bp 1.18 3  bp
Reserves / NPAs 58.00 106.27 (4,827)  bp 85.41 (2,741)  bp
Loan Loss Provision / NCO NM 59.66 NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 328,845 300,948 9.27 326,643 2.70
Tier 1 Capital ($000) 389,812 357,305 9.10 381,219 9.02
Tier 2 Capital ($000) 91,286 89,172 2.37 92,872 (6.83)
Total Capital ($000) 481,098 446,477 7.75 474,091 5.91
Total Risk-weighted Assets ($000) 3,305,943 3,083,061 7.23 3,272,408 4.10
Tier 1 Common Capital (CET1) Ratio (%) 9.95 9.76 19  bp 9.98 (3)  bp
Tier 1 Ratio (%) 11.79 11.59 20  bp 11.65 14  bp
Total Capital Ratio (%) 14.55 14.48 7  bp 14.49 6  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.14 10.17 (3)  bp 10.11 3  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 42,217,318 41,555,208 1.59 41,799,566 4
Avg Diluted Shares (actual) 41,908,000 41,371,000 1.30 41,781,416 1.21
Basic Book Value per Share 7.80 7.27 7.29 7.87 (3.56)
As-reported Book Value per Share 7.80 7.27 7.29 7.87 (3.56)
Basic Tangible Book Value per Share 7.78 7.24 7.46 7.85 (3.57)
Reported: Tangible Book Value 7.78 7.24 7.46 7.85 (3.57)
Common Dividends Declared per Share 0.06 0.05 20 0.06 0
EPS after Extra 0.09 0.21 (57.14) 0.27 (266.67)
EPS after Extra Growth (%) (57.1) 90.90 (14,805)  bp 8.00 (6,514)  bp
Core EPS 0.09 0.21 (57.14) 0.27 (266.67)
Core EPS Growth (%) (58.8) 106.60 (16,538)  bp 16.40 (7,513)  bp
Diluted EPS before Amortization 0.09 0.21 (57.14) 0.27 (266.67)
Pre-Provision Earnings per Share 0.24 0.19 26.32 0.25 (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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CoBiz Financial  CoBiz Financial CoBiz Financial