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

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Balance Sheet ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves193,461177,6658.89189,6138.12
Loans Held for Sale, before Reserves2,7623,550(22.20)2,46448.38
Loan Loss Reserve3,5893,812(5.85)3,5474.74
Net Loans Receivable192,634177,4038.59188,5308.71
Intangible Assets000.0000.00
Total Assets348,033301,09915.59336,17214.11
Deposits303,864268,07513.35306,979(4.06)
Debt, Senior and Subordinated18,6556,331194.663,5871,680.29
Common Equity24,86925,438(2.24)24,7771.49
Total Shareholders' Equity24,86925,438(2.24)24,7771.49
Shares Outstanding (actual)3,511,2453,511,2450.003,511,2450.00
Income Statement ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income2,4622,22710.552,40110.16
Provision for Loan Losses3003000.00215158.14
Noninterest Income336505(33.47)581(168.67)
Noninterest Expense2,3182,1348.622,544(35.53)
Net Income Before Taxes180298(39.60)223(77.13)
Provision for Taxes4285(50.59)70(160.00)
Net Income138213(35.21)153(39.22)
Per Share Items ($)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share7.087.24(2.24)7.061.49
Tangible Book Value7.087.24(2.24)7.061.49
Diluted EPS Before Extra0.040.06(38.10)0.0412.67
Diluted EPS After Extra0.040.06(38.10)0.0412.67
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.160.27(11)0.18(2)
ROAE2.193.50(131)2.43(24)
Net Interest Margin2.952.99(4)2.98(3)
Loans / Deposits63.6766.27(261)61.77190
Efficiency Ratio82.8477.5353277.00585
Balance Sheet Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.158.45(130)7.37(22)
Equity/ Assets7.158.45(130)7.37(22)
Asset Quality Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.612.61(100)1.85(24)
Loan Loss Reserves/ Gross Loans1.832.10(27)1.85(2)
Loan Loss Reserves/ NPAs64.1848.551,56357.14705
Net Charge-offs/ Avg Loans0.530.4850.80(27)
Regulatory Capital Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.5013.35(85)12.79(29)
   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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