NMLS #677617

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Financial Highlights1ST COLONIAL BANCORP, INC. (OTC Pink - FCOB)  
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves376,514351,9976.97299,10717.68
Loans Held for Sale, before Reserves7,1697,264(1.31)5,45933.06
Loan Loss Reserve4,8584,7392.514,3917.93
Net Loans Receivable378,825354,5226.86300,17518.11
Intangible Assets000.0000.00
Total Assets540,131487,82010.72463,2275.31
Deposits496,847446,40411.30428,2984.23
Debt, Senior and Subordinated3,1665,575(43.21)3,23772.23
Common Equity38,41034,10012.6430,08613.34
Total Shareholders' Equity38,41034,10012.6430,08613.34
Shares Outstanding (actual)4,132,2374,074,1671.434,277,220(4.75)
Income Statement ($000)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income17,00515,05212.9812,88616.81
Provision for Loan Losses852975(12.62)1,222(20.21)
Noninterest Income3,7883,906(3.02)3,37315.80
Noninterest Expense13,16212,1508.3310,31117.84
Net Income Before Taxes6,8335,83317.144,72623.42
Provision for Taxes2,7902,17228.451,71826.43
Net Income4,0433,66110.433,00821.71
Per Share Items ($)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share9.308.3711.067.0318.99
Tangible Book Value9.308.3711.067.0318.99
Diluted EPS Before Extra0.940.8510.590.6727.79
Diluted EPS After Extra0.940.8510.590.6727.79
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA0.780.7440.686
ROAE11.1011.20(10)10.4773
Net Interest Margin3.363.13233.049
Loans / Deposits75.7878.85(307)69.84902
Efficiency Ratio62.9863.27(29)62.03124
Balance Sheet Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets7.116.99126.4950
Equity/ Assets7.116.99126.4950
Asset Quality Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.740.89(15)0.6920
Loan Loss Reserves/ Gross Loans1.271.32(5)1.44(12)
Loan Loss Reserves/ NPAs121.78109.141,264136.45(2,731)
Net Charge-offs/ Avg Loans0.200.1910.24(5)
Regulatory Capital Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio11.1110.615010.4219

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