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

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Balance Sheet ($000)
2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Loans Held for Investment, before Reserves1,543,7951,357,78813.701,212,24812.01
Loans Held for Sale, before Reserves5,4032,79693.241,83652.29
Loan Loss Reserve15,19520,345(25.31)26,785(24.04)
Net Loans Receivable1,534,0031,340,23914.461,187,29912.88
Intangible Assets7,1828,160(11.99)9,567(14.71)
Total Assets2,397,2652,215,5148.201,985,03211.61
Deposits1,947,5371,794,4208.531,748,7052.61
Debt, Senior and Subordinated163,017139,35016.98142,165(1.98)
Common Equity273,038266,9162.2980,361232.15
Total Shareholders' Equity273,038266,9162.2980,361232.15
Shares Outstanding (actual)24,292,64624,185,9230.4421,861,41810.63
Income Statement ($000)
2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Net Interest Income68,37563,7667.2364,433(1.04)
Provision for Loan Losses(2,981)(5,371)(44.50)523NM
Noninterest Income17,85416,3908.9317,642(7.10)
Noninterest Expense72,36076,438(5.34)80,179(4.67)
Net Income Before Taxes14,0387,96676.22(157)NM
Provision for Taxes7,124(142,492)NM1,326NM
Net Income6,914150,458(95.40)(1,483)NM
Per Share Items ($)
2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Book Value per Share11.2411.041.843.68200.22
Tangible Book Value10.9410.702.293.24230.38
Diluted EPS Before Extra0.296.89(95.79)(0.07)NM
Diluted EPS After Extra0.296.88(95.78)(0.07)NM
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
ROAA0.307.50(720)(0.07)757
ROAE2.54165.06(16,252)(1.73)16,679
Net Interest Margin3.403.43(3)3.44(1)
Loans / Deposits79.2775.6736069.32634
Efficiency Ratio79.5391.31(1,179)90.7259
Balance Sheet Ratios (%)
2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Tangible Equity/ Tangible Assets11.1211.72(60)3.58814
Equity/ Assets11.3912.05(66)4.05800
Asset Quality Ratios (%)
2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Nonperforming Assets/ Assets1.482.06(58)3.20(114)
Loan Loss Reserves/ Gross Loans0.981.50(51)2.21(71)
Loan Loss Reserves/ NPAs31.8534.04(219)35.35(132)
Net Charge-offs/ Avg Loans0.150.0860.26(18)
Regulatory Capital Ratios (%)
2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Tier 1 Capital RatioNA13.33NA9.48385

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