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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 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves212,866179,62718.50193,46140.12
Loans Held for Sale, before Reserves1,5591,786(12.71)2,762(174.22)
Loan Loss Reserve3,5943,649(1.51)3,5890.56
Net Loans Receivable210,831177,76418.60192,63437.79
Intangible Assets000.0000.00
Total Assets363,512302,45020.19348,03317.79
Deposits321,383265,51121.04303,86423.06
Debt, Senior and Subordinated15,38911,21937.1718,655(70.03)
Common Equity25,91924,6265.2524,86916.89
Total Shareholders' Equity25,91924,6265.2524,86916.89
Shares Outstanding (actual)3,511,2453,511,2450.003,511,2450.00
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income2,5502,23114.302,44417.35
Provision for Loan Losses225300(25.00)300(100.00)
Noninterest Income324787(58.83)355(34.93)
Noninterest Expense2,3772,3690.342,3484.94
Net Income Before Taxes3803498.88151606.62
Provision for Taxes8998(9.18)39512.82
Net Income29125115.94112639.29
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share7.387.015.257.0816.89
Tangible Book Value7.387.015.257.0816.89
Diluted EPS Before Extra0.080.0640.000.03666.67
Diluted EPS After Extra0.080.0640.000.03666.67
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.330.3210.1320
ROAE4.574.08491.78279
Net Interest Margin2.993.02(2)2.936
Loans / Deposits66.2367.65(142)63.67257
Efficiency Ratio77.5973.1944083.89(629)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.138.14(101)7.15(2)
Equity/ Assets7.138.14(101)7.15(2)
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.282.22(94)1.61(33)
Loan Loss Reserves/ Gross Loans1.682.01(34)1.83(15)
Loan Loss Reserves/ NPAs77.2254.322,29064.181,304
Net Charge-offs/ Avg Loans0.431.02(59)0.53(10)
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.0213.32(130)12.50(48)
   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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