CoBiz Bank

CoBiz Bank is headquartered in Denver and is the 2^nd largest bank in the state of Colorado. It is also the 290^th largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 401 employees at 19 locations. CoBiz Bank has a 4-star health rating.

CoBiz Bank Routing Number: 102003206

Data for Q1 2012

Institution Statistics CoBiz Bank FDIC Certificate # 22683 BankRate Report View Year Established 1978 Employees 401 Primary Regulator FED Assets and Liabilities Assets $2.42 billion Loans $1.62 billion Deposits $1.95 billion Equity Capital $246.99 million Loan Loss Allowance $51.89 million Unbacked Noncurrent Loans $27.51 million Real Estate Owned $6.91 million Historic Data - March 2011 Assets $2.36 billion Equity Capital $212.27 million Loan Loss Allowance $61.62 million Unbacked Noncurrent Loans $37.02 million Real Estate Owned $9.16 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.08% Return on Equity 10.69% Interest Income $26.61 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 CoBiz Bank had $34.42 million in non-current loans and owned real-estate with $298.88 million in equity and loan loss allowances on hand to cover it. This gives CoBiz Bank a Texas Ratio of 11.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CoBiz Bank decreased slightly from 17.00% as of March 31, 2011 to 11.52% as of March 31, 2012, resulting in a positive change of 32.28%.This indicates that the balance sheet and financial strength for CoBiz Bank has improved slightly in recent periods. Deposit Growth In the past year, CoBiz Bank has decreased its total deposits by -$18 million, resulting in -0.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CoBiz Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CoBiz Bank has $2.42 billion in assets with $298.88 million in equity, resulting in a capitalization level of 12.37%, which is excellent.

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