Call reports 2004
COBIZ BANK — 2004
What COBIZ BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,423,132,000 | 1,523,252,000 | 1,606,309,000 | 1,652,234,000 |
| Total loans | 969,776,000 | 1,023,862,000 | 1,094,054,000 | 1,114,307,000 |
| Allowance for loan losses | 12,660,000 | 13,512,000 | 14,340,000 | 14,674,000 |
| Securities available for sale | 389,356,000 | 424,744,000 | 440,434,000 | 472,323,000 |
| Securities held to maturity | 1,502,000 | 1,400,000 | 1,306,000 | 1,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 977,657,000 | 1,049,459,000 | 1,127,827,000 | 1,169,280,000 |
| Interest-bearing deposits | 656,719,000 | 702,497,000 | 762,071,000 | 802,823,000 |
| Noninterest-bearing deposits | 320,938,000 | 346,962,000 | 365,756,000 | 366,457,000 |
| Equity capital | 100,180,000 | 118,430,000 | 129,229,000 | 131,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 17,083,000 | 35,579,000 | 55,627,000 | 77,586,000 |
| Interest expense | 3,088,000 | 6,362,000 | 10,089,000 | 14,495,000 |
| Net interest income | 13,995,000 | 29,217,000 | 45,538,000 | 63,091,000 |
| Noninterest income | 1,304,000 | 2,711,000 | 4,254,000 | 5,693,000 |
| Noninterest expense | 8,608,000 | 17,263,000 | 26,433,000 | 37,268,000 |
| Provision for loan losses | 405,000 | 1,310,000 | 2,440,000 | 3,015,000 |
| Pretax income | 6,546,000 | 13,631,000 | 21,278,000 | 28,866,000 |
| Income tax | 2,448,000 | 5,069,000 | 7,774,000 | 10,544,000 |
| Net income | 4,098,000 | 8,562,000 | 13,504,000 | 18,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,724,000 | 121,188,000 | 126,130,000 | 128,948,000 |
| Total capital | 109,384,000 | 134,700,000 | 140,470,000 | 143,622,000 |
| Risk-weighted assets | 1,052,510,000 | 1,116,044,000 | 1,236,562,000 | 1,256,651,000 |