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)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves409,899396,9633.26411,349(1.41)
Loans Held for Sale, before Reserves6,8246,5544.122,977516.90
Loan Loss Reserve5,1675,247(1.52)5,890(49.10)
Net Loans Receivable411,556398,2703.34408,4363.06
Intangible Assets000.0000.00
Total Assets543,685553,421(1.76)545,616(1.42)
Deposits486,814508,140(4.20)487,518(0.58)
Debt, Senior and Subordinated8,1743,167158.1011,168(107.23)
Common Equity46,37540,61914.1744,96012.59
Total Shareholders' Equity46,37540,61914.1744,96012.59
Shares Outstanding (actual)4,665,4934,610,8051.194,663,9000.14
Income Statement ($000)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income4,6724,5323.094,692(1.71)
Provision for Loan Losses300311(3.54)679(223.27)
Noninterest Income7741,021(24.19)592122.97
Noninterest Expense3,7293,4936.763,45731.47
Net Income Before Taxes1,4171,749(18.98)1,14893.73
Provision for Taxes332412(19.42)30338.28
Net Income1,0851,337(18.85)845113.61
Per Share Items ($)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share9.948.8112.839.6412.45
Tangible Book Value9.948.8112.839.6412.45
Diluted EPS Before Extra0.230.28(16.72)0.18111.11
Diluted EPS After Extra0.230.28(16.72)0.18111.11
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA0.790.99(20)0.6217
ROAE9.5613.42(386)7.71185
Net Interest Margin3.493.4543.55(6)
Loans / Deposits84.2078.1260884.38(18)
Efficiency Ratio64.4362.9414965.46(103)
Balance Sheet Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.537.341198.2429
Equity/ Assets8.537.341198.2429
Asset Quality Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.870.45420.7413
Loan Loss Reserves/ Gross Loans1.241.30(6)1.42(18)
Loan Loss Reserves/ NPAs84.69108.86(2,417)105.56(2,086)
Net Charge-offs/ Avg Loans0.990.17820.4158
Regulatory Capital Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.4311.4310012.2518
   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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