Call reports 2008
COBIZ BANK — 2008
What COBIZ BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,388,345,000 | 2,486,316,000 | 2,545,247,000 | 2,617,361,000 |
| Total loans | 1,875,497,000 | 1,961,369,000 | 2,001,878,000 | 2,031,424,000 |
| Allowance for loan losses | 23,340,000 | 25,727,000 | 27,703,000 | 42,851,000 |
| Securities available for sale | 393,736,000 | 398,561,000 | 418,559,000 | 476,507,000 |
| Securities held to maturity | 449,000 | 431,000 | 410,000 | 376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,688,338,000 | 1,555,710,000 | 1,640,416,000 | 1,608,370,000 |
| Interest-bearing deposits | 1,255,714,000 | 1,106,294,000 | 1,197,260,000 | 1,098,556,000 |
| Noninterest-bearing deposits | 432,624,000 | 449,416,000 | 443,156,000 | 509,814,000 |
| Equity capital | 225,101,000 | 227,154,000 | 231,283,000 | 227,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 37,456,000 | 73,293,000 | 109,398,000 | 145,308,000 |
| Interest expense | 13,898,000 | 24,891,000 | 35,386,000 | 43,989,000 |
| Net interest income | 23,558,000 | 48,402,000 | 74,012,000 | 101,319,000 |
| Noninterest income | 1,984,000 | 4,688,000 | 7,188,000 | 6,656,000 |
| Noninterest expense | 15,121,000 | 29,363,000 | 43,193,000 | 56,932,000 |
| Provision for loan losses | 5,031,000 | 11,018,000 | 16,352,000 | 39,796,000 |
| Pretax income | 5,339,000 | 12,666,000 | 21,267,000 | 9,590,000 |
| Income tax | 1,934,000 | 4,593,000 | 7,949,000 | 3,022,000 |
| Net income | 3,405,000 | 8,073,000 | 13,318,000 | 6,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,848,000 | 224,655,000 | 230,249,000 | 223,805,000 |
| Total capital | 243,765,000 | 250,609,000 | 257,389,000 | 251,337,000 |
| Risk-weighted assets | 2,200,607,000 | 2,141,270,000 | 2,170,373,000 | 2,187,003,000 |