Call reports 2005
COBIZ BANK — 2005
What COBIZ BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,700,076,000 | 1,745,588,000 | 1,818,545,000 | 1,886,135,000 |
| Total loans | 1,139,389,000 | 1,196,753,000 | 1,270,491,000 | 1,332,668,000 |
| Allowance for loan losses | 14,992,000 | 15,607,000 | 16,439,000 | 16,906,000 |
| Securities available for sale | 470,924,000 | 466,181,000 | 452,404,000 | 453,296,000 |
| Securities held to maturity | 1,057,000 | 997,000 | 929,000 | 893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,208,853,000 | 1,275,917,000 | 1,326,029,000 | 1,340,504,000 |
| Interest-bearing deposits | 827,527,000 | 855,766,000 | 879,226,000 | 891,394,000 |
| Noninterest-bearing deposits | 381,326,000 | 420,151,000 | 446,803,000 | 449,110,000 |
| Equity capital | 133,098,000 | 131,456,000 | 145,067,000 | 149,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 23,086,000 | 47,799,000 | 74,909,000 | 103,784,000 |
| Interest expense | 5,264,000 | 11,573,000 | 19,291,000 | 28,142,000 |
| Net interest income | 17,822,000 | 36,226,000 | 55,618,000 | 75,642,000 |
| Noninterest income | 1,461,000 | 3,080,000 | 4,540,000 | 5,956,000 |
| Noninterest expense | 10,760,000 | 21,288,000 | 31,866,000 | 43,288,000 |
| Provision for loan losses | 435,000 | 1,095,000 | 1,942,000 | 2,465,000 |
| Pretax income | 7,981,000 | 16,817,000 | 26,230,000 | 35,701,000 |
| Income tax | 2,921,000 | 6,160,000 | 9,411,000 | 12,809,000 |
| Net income | 5,060,000 | 10,657,000 | 16,819,000 | 22,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,008,000 | 130,605,000 | 145,766,000 | 151,841,000 |
| Total capital | 149,000,000 | 146,212,000 | 162,205,000 | 168,747,000 |
| Risk-weighted assets | 1,330,316,000 | 1,412,178,000 | 1,482,082,000 | 1,568,100,000 |