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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves383,103362,3315.73376,5147.00
Loans Held for Sale, before Reserves4,3565,069(14.07)7,169(156.95)
Loan Loss Reserve5,1064,6439.974,85820.42
Net Loans Receivable382,353362,7575.40378,8253.73
Intangible Assets000.0000.00
Total Assets526,666503,5464.59540,131(9.97)
Deposits475,124463,0002.62496,847(17.49)
Debt, Senior and Subordinated10,4373,479200.003,166918.64
Common Equity39,35935,25411.6438,4109.88
Total Shareholders' Equity39,35935,25411.6438,4109.88
Shares Outstanding (actual)4,387,8484,315,0551.694,132,23724.74
Income Statement ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income4,4143,98110.884,452(3.41)
Provision for Loan Losses278100178.00303(33.00)
Noninterest Income645849(24.03)918(118.95)
Noninterest Expense3,3043,2122.863,16617.44
Net Income Before Taxes1,4771,547(4.52)1,901(89.22)
Provision for Taxes388570(31.93)956(237.66)
Net Income1,08997711.4694461.44
Per Share Items ($)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share8.978.179.799.30(13.99)
Tangible Book Value8.978.179.799.30(13.99)
Diluted EPS Before Extra0.240.229.570.2236.36
Diluted EPS After Extra0.240.229.570.2236.36
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA0.810.7830.7012
ROAE11.2911.40(11)10.03127
Net Interest Margin3.433.32113.2815
Loans / Deposits80.6378.2623775.78485
Efficiency Ratio65.3165.013059.18613
Balance Sheet Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.477.00477.1136
Equity/ Assets7.477.00477.1136
Asset Quality Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.450.53(8)0.432
Loan Loss Reserves/ Gross Loans1.321.2651.275
Loan Loss Reserves/ NPAsNA111.34NA121.78NA
Net Charge-offs/ Avg Loans0.030.22(19)0.42(39)
Regulatory Capital Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.67NA11.11NA
   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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