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

Financial Highlights

Select Period: Financial Charting
  2018 FQ2 2017 FQ2   2018 FQ1  
Period Ended 6/30/2018 6/30/2017 Y-Y Ch (%) 3/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,881,875 3,803,490 2.06 3,815,507 6.96
Total Net Loans 3,030,420 3,025,329 0.17 3,047,646 (2.26)
Total Deposits 3,144,541 3,072,639 2.34 3,179,766 (4.43)
Equity Attributable to Parent Company 346,104 319,470 8.34 338,557 8.92
Total Equity 346,104 319,470 8.34 338,557 8.92
Profitability (%)   
Net Income ($000) 11,394 9,489 20.08 12,981 (48.90)
Net Income Attributable to Parent ($000) 11,394 9,489 20.08 12,981 (48.90)
ROAA 1.19 1.01 18  bp 1.36 (17)  bp
Core ROAA 1.32 0.99 33  bp 1.35 (3)  bp
ROAE 13.30 12.06 124  bp 15.71 (241)  bp
ROATCE 13.26 12.11 115  bp 15.66 (240)  bp
Core ROAE 14.80 11.88 292  bp 15.60 (80)  bp
Net Interest Margin 3.93 3.75 18  bp 3.88 5  bp
Reported: Net Interest Margin 3.94 3.76 18  bp 3.93 1  bp
Efficiency Ratio 64.38 63.11 127  bp 63.93 45  bp
Noninterest Inc / Operating Rev 18.70 19.88 (118)  bp 20.25 (155)  bp
Balance Sheet Ratios (%)   
Loans / Deposits 97.51 99.62 (211)  bp 97.00 51  bp
Securities / Assets 16.66 14.94 172  bp 15.26 140  bp
Total Equity / Total Assets 8.92 8.40 52  bp 8.87 5  bp
Tangible Equity / Tangible Assets 8.90 8.37 53  bp 8.86 4  bp
Tang Common Equity / Tang Assets 8.90 8.37 53  bp 8.86 4  bp
Asset Quality (%)   
NPAs / Assets 1.45 1.06 39  bp 1.69 (24)  bp
NPA Excl Restructured / Assets 0.56 0.23 33  bp 0.61 (5)  bp
NPAs & 90+ PD / Assets 1.45 1.08 37  bp 1.69 (24)  bp
NPAs / Loans & REO 1.84 1.32 52  bp 2.09 (25)  bp
Nonaccrual & 90+ & OREO / Assets 0.56 0.25 31  bp 0.61 (5)  bp
NPAs & 90+ PD / Loans & REO 1.84 1.34 50  bp 2.09 (25)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 14.79 11.60 319  bp 17.24 (245)  bp
NCOs / Avg Loans 0.01 (0.10) 11  bp 0.11 (10)  bp
Loan Loss Reserves / Gross Loans 1.17 1.16 1  bp 1.19 (2)  bp
Reserves / NPAs 63.54 88.20 (2,466)  bp 56.98 656  bp
Loan Loss Provision / NCO NM NM NM (39.63) NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 348,304 316,536 10.04 339,851 9.95
Tier 1 Capital ($000) 410,523 369,253 11.18 401,501 8.99
Tier 2 Capital ($000) 90,075 90,778 (0.77) 90,766 (3.05)
Total Capital ($000) 500,598 460,031 8.82 492,267 6.77
Total Risk-weighted Assets ($000) 3,299,591 3,204,485 2.97 3,250,412 6.05
Tier 1 Common Capital (CET1) Ratio (%) 10.56 9.88 68  bp 10.46 10  bp
Tier 1 Ratio (%) 12.44 11.52 92  bp 12.35 9  bp
Total Capital Ratio (%) 15.17 14.36 81  bp 15.14 3  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.75 9.86 89  bp 10.55 20  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 42,389,975 41,771,490 1.48 42,366,023 0.23
Avg Diluted Shares (actual) 42,082,375 41,712,737 0.89 41,962,782 1.14
Basic Book Value per Share 8.16 7.65 6.67 7.99 8.51
Book Value per Share, As Reported 8.16 7.65 6.67 7.99 8.51
Basic Tangible Book Value per Share 8.15 7.62 6.96 7.98 8.52
Tangible Book Value per Share, As Reported 8.15 7.62 6.96 7.98 8.52
Common Dividends Declared per Share 0.10 0.05 100 0.06 266.67
EPS after Extra 0.27 0.23 17.39 0.31 (51.61)
EPS after Extra Growth (%) 17.40 9.50 787  bp 55.00 (3,761)  bp
Core EPS 0.30 0.23 30.43 0.31 (12.90)
Core EPS Growth (%) 32.70 10.10 2,260  bp 56.50 (2,378)  bp
Diluted EPS before Amortization 0.27 0.23 17.39 0.31 (51.61)
Pre-Provision Earnings per Share 0.27 0.21 28.57 0.28 (14.29)
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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