Call reports 2006
COBIZ BANK — 2006
What COBIZ BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,974,948,000 | 2,043,964,000 | 2,080,016,000 | 2,059,496,000 |
| Total loans | 1,388,393,000 | 1,455,285,000 | 1,516,494,000 | 1,544,459,000 |
| Allowance for loan losses | 16,720,000 | 17,268,000 | 17,715,000 | 17,871,000 |
| Securities available for sale | 476,783,000 | 473,537,000 | 453,798,000 | 422,573,000 |
| Securities held to maturity | 828,000 | 795,000 | 762,000 | 721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,432,546,000 | 1,418,792,000 | 1,402,937,000 | 1,479,691,000 |
| Interest-bearing deposits | 959,355,000 | 984,695,000 | 960,044,000 | 1,026,671,000 |
| Noninterest-bearing deposits | 473,191,000 | 434,097,000 | 442,893,000 | 453,020,000 |
| Equity capital | 154,219,000 | 159,169,000 | 170,519,000 | 178,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 31,164,000 | 65,020,000 | 101,466,000 | 138,790,000 |
| Interest expense | 11,003,000 | 23,867,000 | 38,651,000 | 53,670,000 |
| Net interest income | 20,161,000 | 41,153,000 | 62,815,000 | 85,120,000 |
| Noninterest income | 1,487,000 | 3,114,000 | 4,889,000 | 6,755,000 |
| Noninterest expense | 12,534,000 | 23,701,000 | 35,607,000 | 48,081,000 |
| Provision for loan losses | -205,000 | 510,000 | 585,000 | 766,000 |
| Pretax income | 9,319,000 | 20,055,000 | 31,464,000 | 41,262,000 |
| Income tax | 3,263,000 | 7,299,000 | 11,457,000 | 15,085,000 |
| Net income | 6,056,000 | 12,756,000 | 20,007,000 | 26,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,896,000 | 164,596,000 | 171,848,000 | 178,019,000 |
| Total capital | 175,221,000 | 182,441,000 | 190,140,000 | 196,466,000 |
| Risk-weighted assets | 1,672,546,000 | 1,725,178,000 | 1,786,940,000 | 1,816,232,000 |