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COMMUNITYONE BANCORP (NASDAQ - COB)  
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2013Y2012Y2013/
2012
Ch (%)
2011Y2012/
2011
Ch (%)
Loans Held for Investment, before Reserves1,212,2481,177,0352.991,217,535(3.33)
Loans Held for Sale, before Reserves1,8366,974(73.67)4,52953.99
Loan Loss Reserve26,78529,314(8.63)39,360(25.52)
Net Loans Receivable1,187,2991,154,6952.821,182,704(2.37)
Intangible Assets11,11911,700(4.97)12,082(3.16)
Total Assets1,985,0322,151,565(7.74)2,409,108(10.69)
Deposits1,748,7051,906,988(8.30)2,129,111(10.43)
Debt, Senior and Subordinated142,165123,70514.92123,910(0.17)
Common Equity80,36198,445(18.37)129,015(23.69)
Total Shareholders' Equity80,36198,445(18.37)129,015(23.69)
Shares Outstanding (actual)21,861,41821,698,1150.7521,102,6682.82
Income Statement ($000)
2013Y2012Y2013/
2012
Ch (%)
2011Y2012/
2011
Ch (%)
Net Interest Income64,43361,2805.1539,55554.92
Provision for Loan Losses52314,049(96.28)67,362(79.14)
Noninterest Income17,64217,837(1.09)11,80651.08
Noninterest Expense80,179105,372(23.91)122,563(14.03)
Net Income Before Taxes(157)(41,017)(99.62)(130,877)(68.66)
Provision for Taxes1,326(1,039)NM641NM
Net Income(1,483)(40,005)(96.29)(137,314)(70.87)
Per Share Items ($)
2013Y2012Y2013/
2012
Ch (%)
2011Y2012/
2011
Ch (%)
Book Value per Share3.684.54(18.98)6.11(25.79)
Tangible Book Value3.174.00(20.77)5.54(27.85)
Diluted EPS Before Extra(0.07)(1.87)(96.26)(20.71)(90.97)
Diluted EPS After Extra(0.07)(1.87)(96.26)(22.09)(91.53)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013Y2012Y2013/
2012
Ch (bp)
2011Y2012/
2011
Ch (bp)
ROAA(0.07)(1.75)168(6.88)513
ROAE(1.73)(34.88)3,315NMNM
Net Interest Margin3.442.95492.2966
Loans / Deposits69.3261.7276057.19454
Efficiency Ratio90.7295.93(521)135.54(3,961)
Balance Sheet Ratios (%)
2013Y2012Y2013/
2012
Ch (bp)
2011Y2012/
2011
Ch (bp)
Tangible Equity/ Tangible Assets3.514.05(55)4.88(82)
Equity/ Assets4.054.58(53)5.36(78)
Asset Quality Ratios (%)
2013Y2012Y2013/
2012
Ch (bp)
2011Y2012/
2011
Ch (bp)
Nonperforming Assets/ Assets3.206.63(343)8.98(235)
Loan Loss Reserves/ Gross Loans2.212.48(27)3.22(74)
Loan Loss Reserves/ NPAs35.3819.961,54218.20176
Net Charge-offs/ Avg Loans0.261.93(167)10.63(869)
Regulatory Capital Ratios (%)
2013Y2012Y2013/
2012
Ch (bp)
2011Y2012/
2011
Ch (bp)
Tier 1 Capital Ratio9.489.262211.71(245)

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