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 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves376,514351,9976.97373,4703.26
Loans Held for Sale, before Reserves7,1697,264(1.31)9,100(84.88)
Loan Loss Reserve4,8584,7392.514,957(7.99)
Net Loans Receivable378,825354,5226.86377,6131.28
Intangible Assets000.0000.00
Total Assets540,131487,82010.72522,83413.23
Deposits496,847446,40411.30480,75913.39
Debt, Senior and Subordinated3,1665,575(43.21)3,1590.89
Common Equity38,41034,10012.6437,6188.42
Total Shareholders' Equity38,41034,10012.6437,6188.42
Shares Outstanding (actual)4,064,5504,079,749(0.37)4,133,846(6.71)
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income4,4523,96512.284,3479.66
Provision for Loan Losses30317573.14170312.94
Noninterest Income918929(1.18)966(19.88)
Noninterest Expense3,1673,302(4.09)3,419(29.48)
Net Income Before Taxes1,9001,41734.091,72440.84
Provision for Taxes95653778.03650188.31
Net Income9448807.271,074(48.42)
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share9.458.3613.069.1015.38
Tangible Book Value9.458.3613.069.1015.38
Diluted EPS Before Extra0.220.216.210.25(48.00)
Diluted EPS After Extra0.220.216.210.25(48.00)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.700.71(2)0.83(13)
ROAE10.0310.59(57)11.82(179)
Net Interest Margin3.373.3343.46(10)
Loans / Deposits75.7878.85(307)77.68(190)
Efficiency Ratio59.1864.41(522)64.35(517)
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.116.99127.20(8)
Equity/ Assets7.116.99127.20(8)
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.750.89(14)0.741
Loan Loss Reserves/ Gross Loans1.271.32(5)1.30(3)
Loan Loss Reserves/ NPAs120.04109.141,090127.49(746)
Net Charge-offs/ Avg Loans0.420.2319(0.04)46
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.1110.615010.9516
   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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