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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA186,519NA212,866NA
Loans Held for Sale, before ReservesNA1,889NA1,559NA
Loan Loss ReserveNA3,716NA3,594NA
Net Loans ReceivableNA184,692NA210,831NA
Intangible Assets000.0000.00
Total Assets352,657315,86511.65363,512(11.94)
Deposits321,845285,63412.68321,3830.58
Debt, Senior and Subordinated3,2924,223(22.05)15,389(314.43)
Common Equity26,17124,7925.5625,9193.89
Total Shareholders' Equity26,17124,7925.5625,9193.89
Shares Outstanding (actual)3,511,2453,511,2450.003,511,2450.00
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income2,6712,33814.242,55018.98
Provision for Loan Losses30020050.00225133.33
Noninterest Income49042116.39324204.94
Noninterest Expense2,3232,2194.692,377(9.09)
Net Income Before Taxes53834058.24380166.32
Provision for Taxes17684109.5289391.01
Net Income36225641.4129197.59
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share7.457.065.567.383.89
Tangible Book Value7.457.065.567.383.89
Diluted EPS Before Extra0.110.0837.500.08150.00
Diluted EPS After Extra0.110.0837.500.08150.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.400.3380.337
ROAE5.564.111454.5799
Net Interest Margin3.093.0902.999
Loans / DepositsNA65.30NA66.23NA
Efficiency Ratio73.4979.45(596)77.59(410)
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.427.85(43)7.1329
Equity/ Assets7.427.85(43)7.1329
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA2.16NA1.28NA
Loan Loss Reserves/ Gross LoansNA1.97NA1.68NA
Loan Loss Reserves/ NPAsNA54.53NA77.22NA
Net Charge-offs/ Avg LoansNA0.28NA0.43NA
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.12NA12.02NA
   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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