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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)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves189,613175,2068.22186,5196.64
Loans Held for Sale, before Reserves2,4648,979(72.56)1,889121.76
Loan Loss Reserve3,5473,730(4.91)3,716(18.19)
Net Loans Receivable188,530180,4554.47184,6928.31
Intangible Assets000.0000.00
Total Assets336,143304,19610.50315,86525.68
Deposits307,196272,20412.86285,63430.20
Debt, Senior and Subordinated3,5875,706(37.14)4,223(60.24)
Common Equity24,77725,312(2.11)24,792(0.24)
Total Shareholders' Equity24,77725,312(2.11)24,792(0.24)
Shares Outstanding (actual)3,511,2453,511,2450.003,511,2450.00
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income2,4432,2608.102,33817.96
Provision for Loan Losses215900(76.11)20030.00
Noninterest Income499764(34.69)42174.11
Noninterest Expense2,4082,09415.002,21934.07
Net Income Before Taxes319291,000.00340(24.71)
Provision for Taxes91(40)NM8433.33
Net Income22869230.43256(43.75)
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share7.067.21(2.11)7.06(0.24)
Tangible Book Value7.067.21(2.11)7.06(0.24)
Diluted EPS Before Extra0.060.02257.960.09(96.97)
Diluted EPS After Extra0.060.02257.960.09(96.97)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.270.09180.33(5)
ROAE3.621.142484.11(48)
Net Interest Margin3.033.29(26)3.09(5)
Loans / Deposits61.7264.37(264)65.30(358)
Efficiency Ratio74.7868.0267679.45(467)
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.378.32(95)7.85(48)
Equity/ Assets7.378.32(95)7.85(48)
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.853.02(117)2.16(31)
Loan Loss Reserves/ Gross Loans1.852.03(18)1.97(13)
Loan Loss Reserves/ NPAs57.1540.601,65554.53262
Net Charge-offs/ Avg Loans0.800.7820.2852
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.7913.51(72)13.12(33)
   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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