1st Colonial National Bank > Financial Highlights

Financial Highlights

1ST COLONIAL BANCORP, INC. (OTCQB - FCOB)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	177,664	174,563	1.78	175,206	5.61
Loans Held for Sale, before Reserves	3,550	3,676	(3.43)	8,979	(241.85)
Loan Loss Reserve	3,812	3,054	24.82	3,730	8.79
Net Loans Receivable	177,402	175,185	1.27	180,455	(6.77)
Intangible Assets	0	0	0.00	0	0.00
Total Assets	301,099	282,317	6.65	304,196	(4.07)
Deposits	268,075	247,257	8.42	272,204	(6.07)
Debt, Senior and Subordinated	6,331	9,822	(35.54)	5,706	43.81
Common Equity	25,438	24,670	3.11	25,312	1.99
Total Shareholders' Equity	25,438	24,670	3.11	25,312	1.99
Shares Outstanding (actual)	3,343,650	3,343,650	0.00	3,343,650	0.00

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	2,227	2,377	(6.31)	2,260	(5.84)
Provision for Loan Losses	300	450	(33.33)	900	(266.67)
Noninterest Income	505	399	26.57	764	(135.60)
Noninterest Expense	2,134	1,815	17.58	2,094	7.64
Net Income Before Taxes	298	511	(41.68)	29	3,710.34
Provision for Taxes	85	128	(33.59)	(40)	NM
Net Income	213	383	(44.39)	69	834.78

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	7.61	7.38	3.11	7.57	1.99
Tangible Book Value	7.61	7.38	3.11	7.57	1.99
Diluted EPS Before Extra	0.07	0.11	(38.75)	0.02	1,070.05
Diluted EPS After Extra	0.07	0.11	(38.75)	0.02	1,070.05
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.27	0.53	(25)	0.09	18
ROAE	3.36	6.27	(291)	1.09	227
Net Interest Margin	2.99	3.53	(54)	3.29	(31)
Loans / Deposits	66.27	70.60	(433)	64.37	191
Efficiency Ratio	77.53	65.38	1,214	68.02	950

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.45	8.74	(29)	8.32	13
Equity/ Assets	8.45	8.74	(29)	8.32	13
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.61	2.60	1	3.02	(41)
Loan Loss Reserves/ Gross Loans	2.10	1.71	39	2.03	8
Loan Loss Reserves/ NPAs	48.55	41.58	698	40.60	796
Net Charge-offs/ Avg Loans	0.48	0.58	(10)	0.78	(30)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.35	13.16	19	13.51	(16)