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)
2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves414,607400,8143.44409,8994.59
Loans Held for Sale, before Reserves7,7004,47272.186,82451.35
Loan Loss Reserve5,4705,519(0.89)5,16723.46
Net Loans Receivable416,837399,7674.27411,5565.13
Intangible Assets000.0000.00
Total Assets545,277539,3151.11543,6851.17
Deposits493,125493,1310.00486,8145.19
Debt, Senior and Subordinated3,1743,1670.228,174(244.68)
Common Equity47,20541,68713.2446,3757.16
Total Shareholders' Equity47,20541,68713.2446,3757.16
Shares Outstanding (actual)4,678,3944,607,5101.544,665,4931.11
Income Statement ($000)
2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Net Interest Income4,6154,772(3.29)4,672(4.88)
Provision for Loan Losses82749965.73300702.67
Noninterest Income75467112.37774(10.34)
Noninterest Expense3,5823,3168.023,729(15.77)
Net Income Before Taxes9601,628(41.03)1,417(129.00)
Provision for Taxes235424(44.58)332(116.87)
Net Income7251,204(39.78)1,085(132.72)
Per Share Items ($)
2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Book Value per Share10.099.0511.529.946.04
Tangible Book Value10.099.0511.529.946.04
Diluted EPS Before Extra0.150.25(39.42)0.23(139.13)
Diluted EPS After Extra0.150.25(39.42)0.23(139.13)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
ROAA0.520.86(34)0.79(27)
ROAE6.1411.57(543)9.56(342)
Net Interest Margin3.443.49(5)3.49(5)
Loans / Deposits84.0881.2828084.20(12)
Efficiency Ratio66.7259.8668664.43228
Balance Sheet Ratios (%)
2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.667.73938.5313
Equity/ Assets8.667.73938.5313
Asset Quality Ratios (%)
2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.990.40590.8712
Loan Loss Reserves/ Gross Loans1.301.36(7)1.246
Loan Loss Reserves/ NPAsNA119.02NA84.69NA
Net Charge-offs/ Avg Loans0.540.22310.99(45)
Regulatory Capital Ratios (%)
2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA11.77NA12.43NA
   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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