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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA257,826NA299,107NA
Loans Held for Sale, before ReservesNA7,054NA5,459NA
Loan Loss ReserveNA4,106NA4,391NA
Net Loans ReceivableNA260,774NA300,175NA
Intangible Assets000.0000.00
Total Assets485,817428,07113.49463,22719.51
Deposits448,454380,47217.87428,29818.82
Debt, Senior and SubordinatedNA18,221NA3,237NA
Common Equity31,76528,11812.9730,08622.32
Total Shareholders' Equity31,76528,11812.9730,08622.32
Shares Outstanding (actual)3,879,5653,879,5560.003,879,5650.00
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income3,5573,00918.213,44413.12
Provision for Loan Losses300307(2.28)325(30.77)
Noninterest Income85263035.24873(9.62)
Noninterest Expense2,7432,36316.082,65712.95
Net Income Before Taxes1,36696940.971,3359.29
Provision for Taxes48334639.6046911.94
Net Income88362341.738658.32
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share8.197.2512.977.7522.32
Tangible Book Value8.197.2512.977.7522.32
Diluted EPS Before Extra0.230.1550.940.2060.00
Diluted EPS After Extra0.230.1550.940.2060.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.740.60140.740
ROAE11.429.2321911.78(36)
Net Interest Margin3.083.14(5)3.045
Loans / DepositsNA67.76NA69.84NA
Efficiency Ratio62.2164.63(242)58.19403
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.546.57(3)6.494
Equity/ Assets6.546.57(3)6.494
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.95NA0.69NA
Loan Loss Reserves/ Gross LoansNA1.55NA1.44NA
Loan Loss Reserves/ NPAsNA100.81NA136.45NA
Net Charge-offs/ Avg LoansNA0.03NA0.34NA
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.57NANANA
   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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