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)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves351,997299,10717.68339,35614.90
Loans Held for Sale, before Reserves7,2645,45933.069,850(105.02)
Loan Loss Reserve4,7394,3917.934,763(2.02)
Net Loans Receivable354,522300,17518.11344,44411.70
Intangible Assets000.0000.00
Total Assets487,820463,2275.31481,9884.84
Deposits446,404428,2984.23442,6893.36
Debt, Senior and Subordinated5,5763,23772.263,463244.07
Common Equity34,10030,08613.3433,9551.71
Total Shareholders' Equity34,10030,08613.3433,9551.71
Shares Outstanding (actual)3,879,4083,879,5650.003,880,571(0.12)
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income3,9653,44415.133,84013.02
Provision for Loan Losses175325(46.15)250(120.00)
Noninterest Income9298736.411,050(46.10)
Noninterest Expense3,3022,65824.233,05632.20
Net Income Before Taxes1,4171,3356.141,583(41.95)
Provision for Taxes53746914.50596(39.60)
Net Income8818651.85987(42.96)
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share8.797.7513.358.751.83
Tangible Book Value8.797.7513.358.751.83
Diluted EPS Before ExtraNA0.20NANANA
Diluted EPS After ExtraNA0.20NANANA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.720.74(3)0.83(11)
ROAE10.6111.78(118)12.23(162)
Net Interest Margin3.333.04293.320
Loans / Deposits78.8569.8490276.66219
Efficiency Ratio64.4358.2162162.49193
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.996.49507.04(5)
Equity/ Assets6.996.49507.04(5)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.890.69200.7019
Loan Loss Reserves/ Gross Loans1.321.44(12)1.36(4)
Loan Loss Reserves/ NPAs109.14136.45(2,731)141.71(3,257)
Net Charge-offs/ Avg Loans0.230.34(11)0.167
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio10.6110.421910.68(7)
   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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