NMLS #677617

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Financial Highlights1ST COLONIAL BANCORP, INC. (OTC Pink - FCOB)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves373,470339,35610.05375,797(2.48)
Loans Held for Sale, before Reserves9,1009,850(7.61)7,191106.19
Loan Loss Reserve4,9574,7634.074,74617.78
Net Loans Receivable377,613344,4449.63378,242(0.67)
Intangible Assets000.0000.00
Total Assets522,834481,9888.47514,9686.11
Deposits480,759442,6898.60473,4406.18
Debt, Senior and Subordinated3,1593,463(8.78)3,479(36.79)
Common Equity37,61833,95610.7836,47412.55
Total Shareholders' Equity37,61833,95610.7836,47412.55
Shares Outstanding (actual)4,133,8464,074,6001.454,132,2370.16
Income Statement ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income4,3473,84013.204,22511.55
Provision for Loan Losses170250(32.00)279(156.27)
Noninterest Income9661,050(8.00)1,054(33.40)
Noninterest Expense3,4193,05611.883,3656.42
Net Income Before Taxes1,7241,5848.841,66015.42
Provision for Taxes6505969.0661324.14
Net Income1,0749888.701,04710.32
Per Share Items ($)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share9.108.339.208.8312.39
Tangible Book Value9.108.339.208.8312.39
Diluted EPS Before Extra0.250.238.700.2254.55
Diluted EPS After Extra0.250.238.700.2254.55
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.830.8300.811
ROAE11.8212.24(42)11.88(6)
Net Interest Margin3.463.32143.407
Loans / Deposits77.6876.6610379.38(169)
Efficiency Ratio64.3562.4918663.6372
Balance Sheet Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.207.04157.0811
Equity/ Assets7.207.04157.0811
Asset Quality Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.740.7050.77(2)
Loan Loss Reserves/ Gross Loans1.301.36(7)1.246
Loan Loss Reserves/ NPAs127.49141.71(1,422)120.15734
Net Charge-offs/ Avg Loans(0.04)0.16(21)0.19(23)
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.9510.682710.5243
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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