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 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves419,798404,5353.77414,6075.01
Loans Held for Sale, before Reserves4,4492,98948.857,700(168.88)
Loan Loss Reserve6,6715,62718.555,47087.82
Net Loans Receivable417,576401,8973.90416,8370.71
Intangible Assets000.0000.00
Total Assets575,203543,9385.75545,27721.95
Deposits522,252490,0966.56493,12523.63
Debt, Senior and Subordinated2,2908,157(71.93)3,174(111.41)
Common Equity47,90643,6969.6347,2055.94
Total Shareholders' Equity47,90643,6969.6347,2055.94
Shares Outstanding (actual)4,701,2764,389,4407.104,678,3941.96
Income Statement ($000)
2019 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Net Interest Income4,5764,727(3.19)4,615(3.38)
Provision for Loan Losses1,378389254.24827266.51
Noninterest Income86573118.3375061.33
Noninterest Expense3,5113,3534.713,582(7.93)
Net Income Before Taxes5522,052(73.10)960(170.00)
Provision for Taxes(17)467NM235NM
Net Income5691,585(64.10)725(86.07)
Per Share Items ($)
2019 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Book Value per Share10.199.952.3610.093.96
Tangible Book Value10.199.952.3610.093.96
Diluted EPS Before Extra0.120.33(64.00)0.15(80.00)
Diluted EPS After Extra0.120.33(64.00)0.15(80.00)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
ROAA0.391.15(76)0.52(13)
ROAE4.7514.90(1,015)6.14(139)
Net Interest Margin3.263.51(25)3.44(18)
Loans / Deposits80.3882.54(216)84.08(370)
Efficiency Ratio64.5761.6529167.75(319)
Balance Sheet Ratios (%)
2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.338.03308.66(33)
Equity/ Assets8.338.03308.66(33)
Asset Quality Ratios (%)
2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.020.50520.993
Loan Loss Reserves/ Gross Loans1.571.38191.3028
Loan Loss Reserves/ NPAs91.93120.62(2,870)80.971,096
Net Charge-offs/ Avg Loans0.170.28(11)0.50(34)
Regulatory Capital Ratios (%)
2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.1912.1610313.172
   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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