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 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves339,356284,78619.16325,57516.93
Loans Held for Sale, before Reserves9,8505,28886.279,34921.44
Loan Loss Reserve4,7634,31910.284,6539.46
Net Loans Receivable344,444285,75520.54330,27117.17
Intangible Assets000.0000.00
Total Assets481,988447,1517.79470,2979.94
Deposits442,689412,8907.22423,75717.87
Debt, Senior and Subordinated3,4633,2257.3811,901(283.61)
Common Equity33,95529,71714.2632,94912.21
Total Shareholders' Equity33,95529,71714.2632,94912.21
Shares Outstanding (actual)3,880,5713,879,5560.033,885,475(0.50)
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income3,8403,27417.293,69016.26
Provision for Loan Losses250296(15.54)2500.00
Noninterest Income1,0509629.151,077(10.03)
Noninterest Expense3,0562,76710.443,0510.66
Net Income Before Taxes1,5831,17334.951,46631.92
Provision for Taxes59641045.3755628.78
Net Income98776329.3691033.85
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share8.757.6614.238.4812.73
Tangible Book Value8.757.6614.238.4812.73
Diluted EPS Before ExtraNA0.19NA0.22NA
Diluted EPS After ExtraNA0.19NA0.22NA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA0.830.68140.758
ROAE12.2310.6615611.6458
Net Interest Margin3.323.04283.1320
Loans / Deposits76.6668.9776876.83(17)
Efficiency Ratio62.4962.96(47)63.86(136)
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.046.65407.014
Equity/ Assets7.046.65407.014
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.700.91(21)0.690
Loan Loss Reserves/ Gross Loans1.361.49(12)1.39(3)
Loan Loss Reserves/ NPAs141.71106.543,518142.77(106)
Net Charge-offs/ Avg Loans0.160.29(13)0.115
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.6810.442410.644
   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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