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)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves396,963375,7975.63383,10214.47
Loans Held for Sale, before Reserves6,5547,191(8.86)4,356201.84
Loan Loss Reserve5,2474,74610.565,10611.05
Net Loans Receivable398,270378,2425.30382,35216.65
Intangible Assets000.0000.00
Total Assets553,421514,9687.47526,66620.32
Deposits508,140473,4407.33475,12427.80
Debt, Senior and Subordinated3,1673,479(8.97)10,437(278.62)
Common Equity40,61936,47411.3639,35912.81
Total Shareholders' Equity40,61936,47411.3639,35912.81
Shares Outstanding (actual)4,391,2434,338,8491.214,389,4400.16
Income Statement ($000)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income4,5324,2257.274,41310.79
Provision for Loan Losses31127911.4727847.48
Noninterest Income1,0211,055(3.22)645233.18
Noninterest Expense3,4933,3663.773,30323.01
Net Income Before Taxes1,7491,6605.361,47773.66
Provision for Taxes412613(32.79)38824.74
Net Income1,3371,04727.701,08991.09
Per Share Items ($)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share9.258.4110.048.9712.64
Tangible Book Value9.258.4110.048.9712.64
Diluted EPS Before Extra0.290.2231.820.2483.33
Diluted EPS After Extra0.290.2231.820.2483.33
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA0.990.82170.8316
ROAE13.4211.6218011.36206
Net Interest Margin3.453.3873.432
Loans / Deposits78.1279.38(126)80.63(251)
Efficiency Ratio62.9463.64(70)65.40(246)
Balance Sheet Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.347.08267.47(13)
Equity/ Assets7.347.08267.47(13)
Asset Quality Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.870.77100.825
Loan Loss Reserves/ Gross Loans1.301.2461.32(2)
Loan Loss Reserves/ NPAs108.86120.15(1,129)117.70(885)
Net Charge-offs/ Avg Loans0.170.19(2)0.0314
Regulatory Capital Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.4310.529111.367
   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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