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)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA245,486NA284,786NA
Loans Held for Sale, before ReservesNA3,752NA5,288NA
Loan Loss ReserveNA3,819NA4,319NA
Net Loans ReceivableNA245,419NA285,755NA
Intangible Assets000.0000.00
Total Assets464,504409,00013.57447,15115.52
Deposits429,576377,93413.66412,89016.17
Debt, Senior and SubordinatedNA3,221NA3,225NA
Common Equity30,08526,98411.4929,7174.95
Total Shareholders' Equity30,08526,98411.4929,7174.95
Shares Outstanding (actual)3,695,9463,694,4820.043,694,8150.12
Income Statement ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income3,4442,88419.423,27420.77
Provision for Loan Losses325400(18.75)29639.19
Noninterest Income87378311.49962(37.01)
Noninterest Expense2,6572,40310.572,767(15.90)
Net Income Before Taxes1,33586454.511,17355.24
Provision for Taxes46930354.7941057.56
Net Income86556154.1976353.47
Per Share Items ($)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share8.147.3011.458.044.83
Tangible Book Value8.147.3011.458.044.83
Diluted EPS Before Extra0.230.1643.750.2060.00
Diluted EPS After Extra0.230.1643.750.2060.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.760.58180.688
ROAE11.578.5130610.6691
Net Interest Margin3.133.0853.049
Loans / DepositsNA64.95NA68.97NA
Efficiency Ratio58.1961.44(325)62.96(477)
Balance Sheet Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.486.60(12)6.65(17)
Equity/ Assets6.486.60(12)6.65(17)
Asset Quality Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.32NA0.91NA
Loan Loss Reserves/ Gross LoansNA1.53NA1.49NA
Loan Loss Reserves/ NPAsNA70.71NA106.54NA
Net Charge-offs/ Avg LoansNA0.66NA0.29NA
Regulatory Capital Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.87NANANA
   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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