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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves400,814373,4707.32396,9633.88
Loans Held for Sale, before Reserves4,4729,100(50.86)6,554(127.07)
Loan Loss Reserve5,5194,95711.345,24720.74
Net Loans Receivable399,767377,6135.87398,2701.50
Intangible Assets000.0000.00
Total Assets539,315522,8343.15553,421(10.20)
Deposits493,131480,7592.57508,140(11.81)
Debt, Senior and Subordinated3,1673,1590.253,1670.00
Common Equity41,68737,61810.8240,61910.52
Total Shareholders' Equity41,68737,61810.8240,61910.52
Shares Outstanding (actual)4,388,1054,340,5381.104,391,243(0.29)
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income4,7724,3479.784,53221.18
Provision for Loan Losses499170193.53311241.80
Noninterest Income730966(24.43)1,021(114.01)
Noninterest Expense3,3743,419(1.32)3,493(13.63)
Net Income Before Taxes1,6281,724(5.57)1,749(27.67)
Provision for Taxes424650(34.77)41211.65
Net Income1,2041,07412.101,337(39.79)
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share9.508.679.629.2510.81
Tangible Book Value9.508.679.629.2510.81
Diluted EPS Before Extra0.260.248.330.29(41.38)
Diluted EPS After Extra0.260.248.330.29(41.38)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA0.860.8240.99(13)
ROAE11.5711.451213.42(185)
Net Interest Margin3.493.4183.454
Loans / Deposits81.2877.6836078.12316
Efficiency Ratio60.2764.35(408)62.94(267)
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.737.20537.3439
Equity/ Assets7.737.20537.3439
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.74NA0.87NA
Loan Loss Reserves/ Gross Loans1.361.3071.306
Loan Loss Reserves/ NPAsNA127.49NA108.86NA
Net Charge-offs/ Avg Loans0.22(0.04)270.175
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.95NA11.43NA
   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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