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

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Balance Sheet ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA189,613NA221,321NA
Loans Held for Sale, before ReservesNA2,464NA3,480NA
Loan Loss ReserveNA3,547NA3,811NA
Net Loans ReceivableNA188,530NA220,990NA
Intangible Assets000.0000.00
Total Assets409,000336,17221.66352,65763.91
Deposits377,934306,97923.11321,84569.71
Debt, Senior and SubordinatedNA3,587NA3,292NA
Common Equity26,98424,7778.9126,17112.43
Total Shareholders' Equity26,98424,7778.9126,17112.43
Shares Outstanding (actual)3,518,1233,511,2450.203,518,1610.00
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income2,8842,40120.122,67131.90
Provision for Loan Losses40021586.05300133.33
Noninterest Income78358134.77490239.18
Noninterest Expense2,4032,544(5.54)2,32313.78
Net Income Before Taxes864223287.44538242.38
Provision for Taxes30370332.86176288.64
Net Income561153266.67362219.89
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share7.677.068.697.4412.43
Tangible Book Value7.677.068.697.4412.43
Diluted EPS Before Extra0.140.04267.500.11109.09
Diluted EPS After Extra0.140.04267.500.11109.09
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.590.18410.4019
ROAE8.442.436015.60284
Net Interest Margin3.132.98153.076
Loans / DepositsNA61.77NA68.77NA
Efficiency Ratio65.5378.34(1,281)72.29(676)
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.607.37(77)7.42(82)
Equity/ Assets6.607.37(77)7.42(82)
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.85NA1.59NA
Loan Loss Reserves/ Gross LoansNA1.85NA1.70NA
Loan Loss Reserves/ NPAsNA57.14NA67.93NA
Net Charge-offs/ Avg LoansNA0.80NA0.15NA
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.79NA11.94NA
   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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