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

Financial Highlights

Select Period: Financial Charting
  2016 FQ4 2015 FQ4   2016 FQ3  
Period Ended 12/31/2016 12/31/2015 Y-Y Ch (%) 9/30/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 3,630,313 3,351,767 8.31 3,452,498 20.60
Total Net Loans 2,900,812 2,658,519 9.11 2,793,576 15.35
Total Deposits 3,029,783 2,741,712 10.51 2,937,193 12.61
Equity Attributable to Parent Company 302,310 273,536 10.52 295,837 8.75
Total Equity 302,310 273,536 10.52 295,837 8.75
Profitability (%)   
Net Income ($000) 8,733 4,400 98.48 10,269 (59.83)
Net Income Attributable to Parent ($000) 8,733 4,400 98.48 10,269 (59.83)
ROAA 0.99 0.53 46  bp 1.19 (20)  bp
Core ROAA 0.98 0.49 49  bp 1.09 (11)  bp
ROAE 11.62 6.42 520  bp 14.12 (250)  bp
ROATCE 11.67 6.53 514  bp 14.17 (250)  bp
Core ROAE 11.56 5.91 565  bp 12.96 (140)  bp
Net Interest Margin 3.77 3.76 1  bp 3.76 1  bp
Reported: Net Interest Margin 3.75 3.73 2  bp 3.74 1  bp
Efficiency Ratio 65.47 68.98 (351)  bp 66.33 (86)  bp
Noninterest Inc / Operating Rev 23.46 21.06 240  bp 21.26 220  bp
Balance Sheet Ratios (%)   
Loans / Deposits 96.84 98.45 (161)  bp 96.25 59  bp
Securities / Assets 14.06 15.30 (124)  bp 13.18 88  bp
Total Equity / Total Assets 8.33 8.16 17  bp 8.57 (24)  bp
Tangible Equity / Tangible Assets 8.29 8.11 18  bp 8.53 (24)  bp
Tang Common Equity / Tang Assets 8.29 8.11 18  bp 8.53 (24)  bp
Asset Quality (%)   
NPAs / Assets 0.86 1.46 (60)  bp 1.03 (17)  bp
NPA Excl Restructured / Assets 0.21 0.62 (41)  bp 0.29 (8)  bp
NPAs & 90+ PD / Assets 0.88 1.48 (60)  bp 1.03 (15)  bp
NPAs / Loans & REO 1.07 1.81 (74)  bp 1.25 (18)  bp
Nonaccrual & 90+ & OREO / Assets 0.23 0.64 (41)  bp 0.29 (6)  bp
NPAs & 90+ PD / Loans & REO 1.09 1.83 (74)  bp 1.25 (16)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 9.57 15.85 (628)  bp 10.80 (123)  bp
NCOs / Avg Loans 0.08 (0.06) 14  bp (0.05) 13  bp
Loan Loss Reserves / Gross Loans 1.13 1.51 (38)  bp 1.19 (6)  bp
Reserves / NPAs 106.27 83.05 2,322  bp 94.67 1,160  bp
Loan Loss Provision / NCO 59.66 NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 300,948 269,483 11.68 292,703 11.27
Tier 1 Capital ($000) 357,305 319,600 11.80 347,479 11.31
Tier 2 Capital ($000) 89,172 99,482 (10.36) 88,660 2.31
Total Capital ($000) 446,477 419,082 6.54 436,139 9.48
Total Risk-weighted Assets ($000) 3,083,061 3,051,733 3,083,061 3,015,093 3,083,061
Tier 1 Common Capital (CET1) Ratio (%) 9.76 8.83 93  bp 9.71 5  bp
Tier 1 Ratio (%) 11.59 10.47 112  bp 11.52 7  bp
Total Capital Ratio (%) 14.48 13.73 75  bp 14.47 1  bp
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.17 9.76 41  bp 10.12 5  bp
Supplementary Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual) 41,555,208 41,122,119 1.05 41,465,452 0.87
Avg Diluted Shares (actual) 41,371,000 40,874,000 1.22 41,192,047 1.74
Basic Book Value per Share 7.27 6.65 9.32 7.13 7.85
As-reported Book Value per Share 7.27 6.65 9.32 7.13 7.85
Basic Tangible Book Value per Share 7.24 6.60 9.70 7.10 7.89
Reported: Tangible Book Value 7.24 6.60 9.70 7.10 7.89
Common Dividends Declared per Share 0.05 0.05 25 0.05 0
EPS after Extra 0.21 0.11 90.91 0.25 (64)
EPS after Extra Growth (%) 90.90 (35.3) 12,620  bp 47.10 4,385  bp
Core EPS 0.21 0.10 110 0.23 (34.78)
Core EPS Growth (%) 106.60 (41.5) 14,813  bp 33.70 7,296  bp
Diluted EPS before Amortization 0.21 0.11 90.91 0.25 (64)
Pre-Provision Earnings per Share 0.19 0.16 18.75 0.18 22.22
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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