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 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves325,575269,25420.92312,89916.20
Loans Held for Sale, before Reserves9,3496,66340.317,470100.62
Loan Loss Reserve4,6534,22810.054,49214.34
Net Loans Receivable330,271271,68921.56315,87718.23
Intangible Assets000.0000.00
Total Assets470,297435,9057.89485,817(12.78)
Deposits423,757397,9646.48448,454(22.03)
Debt, Senior and Subordinated11,9018,12246.533,900820.62
Common Equity32,94928,58115.2831,76514.91
Total Shareholders' Equity32,94928,58115.2831,76514.91
Shares Outstanding (actual)3,885,4753,879,9150.143,879,9150.57
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income3,6903,15916.813,55714.96
Provision for Loan Losses250294(14.97)300(66.67)
Noninterest Income1,07790818.61850106.82
Noninterest Expense3,0512,52320.932,74145.24
Net Income Before Taxes1,4661,25017.281,36629.28
Provision for Taxes55649312.7848360.46
Net Income91075720.2188312.23
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share8.487.3715.128.1914.32
Tangible Book Value8.487.3715.128.1914.32
Diluted EPS Before Extra0.220.1917.260.220.00
Diluted EPS After Extra0.220.1917.260.220.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.750.7050.695
ROAE11.6410.917311.640
Net Interest Margin3.133.00132.8527
Loans / Deposits76.8367.6691769.77706
Efficiency Ratio63.8662.8210362.24161
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.016.56456.5447
Equity/ Assets7.016.56456.5447
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.690.94(25)0.77(7)
Loan Loss Reserves/ Gross Loans1.391.53(14)1.40(1)
Loan Loss Reserves/ NPAs142.77102.823,995120.532,225
Net Charge-offs/ Avg Loans0.110.25(14)0.25(14)
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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