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

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Balance Sheet ($000)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves404,535376,5147.44351,9976.97
Loans Held for Sale, before Reserves2,9897,169(58.31)7,264(1.31)
Loan Loss Reserve5,6274,85815.834,7392.51
Net Loans Receivable401,897378,8256.09354,5226.86
Intangible Assets000.0000.00
Total Assets543,938540,1310.70487,82010.72
Deposits490,096496,847(1.36)446,40411.30
Debt, Senior and Subordinated8,1573,166157.645,575(43.21)
Common Equity43,69638,41013.7634,10012.64
Total Shareholders' Equity43,69638,41013.7634,10012.64
Shares Outstanding (actual)4,389,4404,339,1311.164,277,8751.43
Income Statement ($000)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income18,44417,0058.4615,05212.98
Provision for Loan Losses1,47785273.36975(12.62)
Noninterest Income3,0673,788(19.03)3,906(3.02)
Noninterest Expense13,46513,1622.3012,1508.33
Net Income Before Taxes6,9056,8331.055,83317.14
Provision for Taxes1,6902,790(39.43)2,17228.45
Net Income5,2154,04328.993,66110.43
Per Share Items ($)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share9.958.8512.467.9711.05
Tangible Book Value9.958.8512.467.9711.05
Diluted EPS Before Extra1.140.9027.340.8110.59
Diluted EPS After Extra1.140.9027.340.8110.59
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA0.960.78180.744
ROAE12.8411.0517911.26(21)
Net Interest Margin3.473.36113.1323
Loans / Deposits82.5475.7867678.85(307)
Efficiency Ratio62.4162.98(57)63.27(29)
Balance Sheet Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets8.037.11926.9912
Equity/ Assets8.037.11926.9912
Asset Quality Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ Assets0.500.4370.53(10)
Loan Loss Reserves/ Gross Loans1.381.27111.32(5)
Loan Loss Reserves/ NPAs120.62121.78(116)109.141,264
Net Charge-offs/ Avg Loans0.180.20(2)0.191
Regulatory Capital Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital Ratio12.1611.1110510.6150

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