Call reports 2007
COBIZ BANK — 2007
What COBIZ BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,086,975,000 | 2,229,696,000 | 2,225,673,000 | 2,336,837,000 |
| Total loans | 1,568,737,000 | 1,679,765,000 | 1,748,530,000 | 1,846,521,000 |
| Allowance for loan losses | 17,862,000 | 18,858,000 | 18,583,000 | 20,044,000 |
| Securities available for sale | 404,351,000 | 423,018,000 | 367,896,000 | 378,565,000 |
| Securities held to maturity | 686,000 | 666,000 | 528,000 | 471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,496,649,000 | 1,579,103,000 | 1,594,061,000 | 1,667,611,000 |
| Interest-bearing deposits | 1,044,225,000 | 1,114,471,000 | 1,132,299,000 | 1,226,925,000 |
| Noninterest-bearing deposits | 452,424,000 | 464,632,000 | 461,762,000 | 440,686,000 |
| Equity capital | 200,855,000 | 207,480,000 | 216,612,000 | 224,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 36,860,000 | 74,678,000 | 114,403,000 | 154,884,000 |
| Interest expense | 14,406,000 | 29,122,000 | 45,069,000 | 60,758,000 |
| Net interest income | 22,454,000 | 45,556,000 | 69,334,000 | 94,126,000 |
| Noninterest income | 1,577,000 | 3,582,000 | 5,478,000 | 7,999,000 |
| Noninterest expense | 12,852,000 | 25,402,000 | 38,096,000 | 52,694,000 |
| Provision for loan losses | 0 | 1,037,000 | 2,467,000 | 3,937,000 |
| Pretax income | 11,140,000 | 22,446,000 | 33,827,000 | 45,000,000 |
| Income tax | 4,047,000 | 8,228,000 | 12,475,000 | 16,612,000 |
| Net income | 7,093,000 | 14,218,000 | 21,352,000 | 28,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,147,000 | 206,495,000 | 213,888,000 | 221,189,000 |
| Total capital | 217,808,000 | 225,930,000 | 233,048,000 | 241,809,000 |
| Risk-weighted assets | 1,865,256,000 | 1,992,055,000 | 2,059,660,000 | 2,153,804,000 |