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)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves269,254212,86626.49257,82617.73
Loans Held for Sale, before Reserves6,6631,559327.397,054(22.17)
Loan Loss Reserve4,2283,59417.644,10611.89
Net Loans Receivable271,689210,83128.87260,77416.74
Intangible Assets000.0000.00
Total Assets435,905363,51219.91428,0717.32
Deposits397,964321,38323.83380,47218.39
Debt, Senior and Subordinated8,12215,389(47.22)18,221(221.70)
Common Equity28,58125,91910.2728,1186.59
Total Shareholders' Equity28,58125,91910.2728,1186.59
Shares Outstanding (actual)3,694,8153,686,8080.223,694,8150.00
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income3,1592,55023.883,00919.94
Provision for Loan Losses29422530.67307(16.94)
Noninterest Income908324180.25630176.51
Noninterest Expense2,5232,3776.142,36327.08
Net Income Before Taxes1,250380228.95969116.00
Provision for Taxes49389453.93346169.94
Net Income757291160.1462386.04
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share7.747.0310.037.616.59
Tangible Book Value7.747.0310.037.616.59
Diluted EPS Before Extra0.200.08150.000.16100.00
Diluted EPS After Extra0.200.08150.000.16100.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.700.33370.6010
ROAE10.914.576349.23168
Net Interest Margin3.002.9903.14(14)
Loans / Deposits67.6666.2314267.76(11)
Efficiency Ratio62.8277.59(1,477)64.63(181)
Balance Sheet Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.567.13(57)6.57(1)
Equity/ Assets6.567.13(57)6.57(1)
Asset Quality Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.941.28(34)0.95(1)
Loan Loss Reserves/ Gross Loans1.531.68(14)1.55(2)
Loan Loss Reserves/ NPAs102.8277.222,560100.81201
Net Charge-offs/ Avg Loans0.250.43(18)0.0322
Regulatory Capital Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.02NA10.57NA
   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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