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

Financial Highlights

Select Period: Financial Charting
  2017 FQ2 2016 FQ2   2017 FQ1  
Period Ended 6/30/2017 6/30/2016 Y-Y Ch (%) 3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,803,490 3,457,516 10.01 3,731,342 7.73
Total Net Loans 3,025,329 2,779,359 8.85 2,952,857 9.82
Total Deposits 3,072,639 2,806,344 9.49 3,050,101 2.96
Equity Attributable to Parent Company 319,470 286,052 11.68 310,209 11.94
Total Equity 319,470 286,052 11.68 310,209 11.94
Profitability (%)   
Net Income ($000) 9,489 8,532 11.22 8,614 40.63
Net Income Attributable to Parent ($000) 9,489 8,532 11.22 8,614 40.63
ROAA 1.01 1.01 0  bp 0.95 6  bp
Core ROAA 0.99 0.98 1  bp 0.93 6  bp
ROAE 12.06 12.12 (6)  bp 11.23 83  bp
ROATCE 12.11 12.19 (8)  bp 11.28 83  bp
Core ROAE 11.88 11.87 1  bp 11.04 84  bp
Net Interest Margin 3.75 3.70 5  bp 3.72 3  bp
Reported: Net Interest Margin 3.76 3.72 4  bp 3.77 (1)  bp
Efficiency Ratio 63.11 69.10 (599)  bp 66.72 (361)  bp
Noninterest Inc / Operating Rev 19.88 20.58 (70)  bp 20.91 (103)  bp
Balance Sheet Ratios (%)   
Loans / Deposits 99.62 100.26 (64)  bp 97.93 169  bp
Securities / Assets 14.94 13.81 113  bp 15.33 (39)  bp
Total Equity / Total Assets 8.40 8.27 13  bp 8.31 9  bp
Tangible Equity / Tangible Assets 8.37 8.23 14  bp 8.28 9  bp
Tang Common Equity / Tang Assets 8.37 8.23 14  bp 8.28 9  bp
Asset Quality (%)   
NPAs / Assets 1.06 1.11 (5)  bp 0.84 22  bp
NPA Excl Restructured / Assets 0.23 0.32 (9)  bp 0.22 1  bp
NPAs & 90+ PD / Assets 1.08 1.11 (3)  bp 0.84 24  bp
NPAs / Loans & REO 1.32 1.36 (4)  bp 1.05 27  bp
Nonaccrual & 90+ & OREO / Assets 0.25 0.32 (7)  bp 0.22 3  bp
NPAs & 90+ PD / Loans & REO 1.34 1.36 (2)  bp 1.05 29  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 11.60 12.02 (42)  bp 9.16 244  bp
NCOs / Avg Loans (0.10) (0.10) 0  bp (0.04) (6)  bp
Loan Loss Reserves / Gross Loans 1.16 1.22 (6)  bp 1.15 1  bp
Reserves / NPAs 88.20 89.64 (144)  bp 108.78 (2,058)  bp
Loan Loss Provision / NCO NM NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA 283,399 NA 307,827 NA
Tier 1 Capital ($000) NA 329,517 NA 360,031 NA
Tier 2 Capital ($000) NA 92,426 NA 89,139 NA
Total Capital ($000) NA 421,943 NA 449,170 NA
Total Risk-weighted Assets ($000) NA 3,064,493 NA 3,141,044 NA
Tier 1 Common Capital (CET1) Ratio (%) 9.88 9.25 63  bp 9.80 8  bp
Tier 1 Ratio (%) 11.52 10.75 77  bp 11.46 6  bp
Total Capital Ratio (%) 14.36 13.77 59  bp 14.30 6  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 9.86 9.79 7  bp 9.98 (12)  bp
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 41,771,490 41,432,916 0.82 41,731,028 0.39
Avg Diluted Shares (actual) 41,712,737 41,104,685 1.48 41,584,587 1.23
Basic Book Value per Share 7.65 6.90 10.87 7.43 11.84
As-reported Book Value per Share 7.65 6.90 10.87 7.43 11.84
Basic Tangible Book Value per Share 7.62 6.86 11.08 7.41 11.34
Reported: Tangible Book Value 7.62 6.86 11.08 7.41 11.34
Common Dividends Declared per Share 0.05 0.05 25 0.05 0
EPS after Extra 0.23 0.21 9.52 0.20 60
EPS after Extra Growth (%) 9.50 23.50 (1,401)  bp 11.10 (159)  bp
Core EPS 0.23 0.21 9.52 0.20 60
Core EPS Growth (%) 10.10 26.80 (1,665)  bp 12.70 (254)  bp
Diluted EPS before Amortization 0.23 0.21 9.52 0.20 60
Pre-Provision Earnings per Share 0.21 0.15 40 0.16 125
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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