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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves362,331312,89915.80351,99711.74
Loans Held for Sale, before Reserves5,0697,470(32.14)7,264(120.87)
Loan Loss Reserve4,6434,4923.364,739(8.10)
Net Loans Receivable362,757315,87714.84354,5229.29
Intangible Assets000.0000.00
Total Assets503,546485,8173.65487,82012.89
Deposits463,000448,4543.24446,40414.87
Debt, Senior and Subordinated3,4793,900(10.79)5,575(150.39)
Common Equity35,25431,76510.9834,10013.54
Total Shareholders' Equity35,25431,76510.9834,10013.54
Shares Outstanding (actual)4,080,3244,073,9110.164,079,7490.06
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income3,9803,55711.893,9651.51
Provision for Loan Losses100300(66.67)175(171.43)
Noninterest Income8788503.29929(21.96)
Noninterest Expense3,2112,74117.153,302(11.02)
Net Income Before Taxes1,5471,36613.251,41736.70
Provision for Taxes57048318.0153724.58
Net Income97788310.6588143.59
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share8.647.8010.818.3613.48
Tangible Book Value8.647.8010.818.3613.48
Diluted EPS Before ExtraNA0.21NANANA
Diluted EPS After ExtraNA0.21NANANA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.780.6990.727
ROAE11.4411.64(21)10.6183
Net Interest Margin3.292.85443.33(3)
Loans / Deposits78.2669.7784878.85(59)
Efficiency Ratio64.6262.2423764.4319
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.006.54466.991
Equity/ Assets7.006.54466.991
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.830.7760.89(6)
Loan Loss Reserves/ Gross Loans1.261.40(14)1.32(6)
Loan Loss Reserves/ NPAs111.34120.53(918)109.14220
Net Charge-offs/ Avg Loans0.220.25(3)0.23(1)
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.6710.521510.616
   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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