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 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves411,349383,1027.37404,5356.74
Loans Held for Sale, before Reserves2,9774,356(31.66)2,989(1.61)
Loan Loss Reserve5,8905,10615.355,62718.70
Net Loans Receivable408,436382,3526.82401,8976.51
Intangible Assets000.0000.00
Total Assets545,616526,6663.60543,9381.23
Deposits487,518475,1242.61490,096(2.10)
Debt, Senior and Subordinated11,16810,4377.008,157147.65
Common Equity44,96039,35914.2343,69611.57
Total Shareholders' Equity44,96039,35914.2343,69611.57
Shares Outstanding (actual)4,663,9004,608,9121.194,389,44025.01
Income Statement ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income4,6924,4136.324,727(2.96)
Provision for Loan Losses679278144.24389298.20
Noninterest Income592645(8.22)731(76.06)
Noninterest Expense3,4573,3034.663,35312.41
Net Income Before Taxes1,1481,477(22.27)2,052(176.22)
Provision for Taxes303388(21.91)467(140.47)
Net Income8451,089(22.41)1,585(186.75)
Per Share Items ($)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share9.648.5412.889.95(12.65)
Tangible Book Value9.648.5412.889.95(12.65)
Diluted EPS Before Extra0.180.23(21.25)0.39(214.25)
Diluted EPS After Extra0.180.23(21.25)0.39(214.25)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA0.620.83(21)1.15(53)
ROAE7.7111.32(361)14.90(719)
Net Interest Margin3.553.43123.514
Loans / Deposits84.3880.6337482.54183
Efficiency Ratio65.4665.40661.65381
Balance Sheet Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.247.47778.0321
Equity/ Assets8.247.47778.0321
Asset Quality Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.740.45290.5024
Loan Loss Reserves/ Gross Loans1.421.32101.384
Loan Loss Reserves/ NPAs105.56117.70(1,215)120.62(1,507)
Net Charge-offs/ Avg Loans0.410.03380.2813
Regulatory Capital Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2511.368912.169
   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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