NMLS #677617

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

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Balance Sheet ($000)
2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves421,346411,3492.43419,7981.47
Loans Held for Sale, before Reserves9,7182,977226.444,449473.72
Loan Loss Reserve5,4935,890(6.74)6,671(70.63)
Net Loans Receivable425,571408,4364.20417,5767.66
Intangible Assets000.0000.00
Total Assets578,991545,6166.12575,2032.63
Deposits524,102487,5187.50522,2521.42
Debt, Senior and Subordinated2,29111,168(79.49)2,2900.17
Common Equity48,53344,9607.9547,9065.24
Total Shareholders' Equity48,53344,9607.9547,9065.24
Shares Outstanding (actual)4,952,3474,897,6031.124,699,73421.50
Income Statement ($000)
2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income4,5814,692(2.37)4,5760.44
Provision for Loan Losses1,23767982.181,378(40.93)
Noninterest Income87859248.311,028(58.37)
Noninterest Expense3,6523,4575.643,674(2.40)
Net Income Before Taxes201,148(98.26)552(385.51)
Provision for Taxes15303(95.05)(17)NM
Net Income5845(99.41)569(396.49)
Per Share Items ($)
2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share9.809.186.7510.19(15.44)
Tangible Book Value9.809.186.7510.19(15.44)
Diluted EPS Before Extra0.000.17NM0.12NM
Diluted EPS After Extra0.000.17NM0.12NM
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.000.62(62)0.39(39)
ROAE0.047.71(767)4.75(471)
Net Interest Margin3.243.55(31)3.26(2)
Loans / Deposits80.3984.38(398)80.381
Efficiency Ratio66.9065.4614465.60130
Balance Sheet Ratios (%)
2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.388.24148.335
Equity/ Assets8.388.24148.335
Asset Quality Ratios (%)
2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.120.74381.0210
Loan Loss Reserves/ Gross Loans1.271.42(15)1.57(30)
Loan Loss Reserves/ NPAsNA105.56NA91.93NA
Net Charge-offs/ Avg Loans2.290.411890.17212
Regulatory Capital Ratios (%)
2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.25NA13.19NA
   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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