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)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves404,535376,5147.44400,8143.71
Loans Held for Sale, before Reserves2,9897,169(58.31)4,472(132.65)
Loan Loss Reserve5,6274,85815.835,5197.83
Net Loans Receivable401,897378,8256.09399,7672.13
Intangible Assets000.0000.00
Total Assets543,938540,1310.70539,3153.43
Deposits490,096496,847(1.36)493,131(2.46)
Debt, Senior and Subordinated8,1573,166157.643,167630.25
Common Equity43,69738,41013.7641,68719.29
Total Shareholders' Equity43,69738,41013.7641,68719.29
Shares Outstanding (actual)4,391,6584,132,2376.284,388,1050.32
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income4,7274,4526.184,772(3.77)
Provision for Loan Losses38930328.38499(88.18)
Noninterest Income691918(24.73)730(21.37)
Noninterest Expense3,3143,1664.673,374(7.11)
Net Income Before Taxes2,0521,9017.941,628104.18
Provision for Taxes467956(51.15)42440.57
Net Income1,58594467.901,204126.58
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share9.959.307.049.5018.95
Tangible Book Value9.959.307.049.5018.95
Diluted EPS Before Extra0.350.2259.090.26138.46
Diluted EPS After Extra0.350.2259.090.26138.46
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.150.69460.8629
ROAE14.909.8250811.57333
Net Interest Margin3.513.34173.492
Loans / Deposits82.5475.7867681.28126
Efficiency Ratio61.3959.1822160.27112
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.037.11927.7330
Equity/ Assets8.037.11927.7330
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.860.74120.860
Loan Loss Reserves/ Gross Loans1.381.27111.362
Loan Loss Reserves/ NPAs120.62121.78(116)119.02160
Net Charge-offs/ Avg Loans0.280.42(14)0.225
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.1611.1110511.7739
   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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