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 ReservesNA339,356NA375,797NA
Loans Held for Sale, before ReservesNA9,850NA7,191NA
Loan Loss ReserveNA4,763NA4,746NA
Net Loans ReceivableNA344,444NA378,242NA
Intangible Assets000.0000.00
Total Assets522,834481,9888.47514,9686.11
Deposits480,759442,6898.60473,4406.18
Debt, Senior and SubordinatedNA3,463NA3,479NA
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
ROAE11.6012.24(64)11.88(28)
Net Interest Margin3.463.32143.407
Loans / DepositsNA76.66NA79.38NA
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/ AssetsNA0.70NA0.77NA
Loan Loss Reserves/ Gross LoansNA1.36NA1.24NA
Loan Loss Reserves/ NPAsNA141.71NA120.15NA
Net Charge-offs/ Avg LoansNA0.16NA0.19NA
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.68NA10.52NA
   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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