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 ReservesNA212,866NA257,826NA
Loans Held for Sale, before ReservesNA1,559NA7,054NA
Loan Loss ReserveNA3,594NA4,106NA
Net Loans ReceivableNA210,831NA260,774NA
Intangible Assets000.0000.00
Total Assets435,905363,51219.91428,0717.32
Deposits397,964321,38323.83380,47218.39
Debt, Senior and SubordinatedNA15,389NA18,221NA
Common Equity28,58125,91910.2728,1186.59
Total Shareholders' Equity28,58125,91910.2728,1186.59
Shares Outstanding (actual)3,692,6363,686,8070.163,694,815(0.24)
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income3,1592,55023.883,00919.94
Provision for Loan Losses29422530.67307(16.94)
Noninterest Income918324183.33630182.86
Noninterest Expense2,5332,3776.562,36328.78
Net Income Before Taxes1,250380228.95969116.00
Provision for Taxes49389453.93346169.94
Net Income757291160.1462386.04
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share7.747.0310.107.616.83
Tangible Book Value7.747.0310.107.616.83
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
ROAE10.684.576119.23145
Net Interest Margin3.152.99163.141
Loans / DepositsNA66.23NA67.76NA
Efficiency Ratio62.1377.59(1,546)64.63(250)
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/ AssetsNA1.28NA0.95NA
Loan Loss Reserves/ Gross LoansNA1.68NA1.55NA
Loan Loss Reserves/ NPAsNA77.22NA100.81NA
Net Charge-offs/ Avg LoansNA0.43NA0.03NA
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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