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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves221,321186,51918.66212,86615.89
Loans Held for Sale, before Reserves3,4801,88984.221,559492.88
Loan Loss Reserve3,8113,7162.563,59424.15
Net Loans Receivable220,990184,69219.65210,83119.27
Intangible Assets000.0000.00
Total Assets352,657315,86511.65363,512(11.94)
Deposits321,845285,63412.68321,3830.58
Debt, Senior and Subordinated3,2924,223(22.05)15,389(314.43)
Common Equity26,17124,7925.5625,9193.89
Total Shareholders' Equity26,17124,7925.5625,9193.89
Shares Outstanding (actual)3,518,1613,511,2450.203,511,2450.79
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income2,6712,33814.242,55018.98
Provision for Loan Losses30020050.00225133.33
Noninterest Income49042116.39324204.94
Noninterest Expense2,3232,2194.692,377(9.09)
Net Income Before Taxes53834058.24380166.32
Provision for Taxes17684109.5289391.01
Net Income36225641.4129197.59
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share7.447.065.357.383.10
Tangible Book Value7.447.065.357.383.10
Diluted EPS Before Extra0.110.0837.500.08150.00
Diluted EPS After Extra0.110.0837.500.08150.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.400.3380.337
ROAE5.564.111454.5799
Net Interest Margin3.093.0902.999
Loans / Deposits68.7765.3034766.23253
Efficiency Ratio72.2978.00(571)77.59(530)
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.427.85(43)7.1329
Equity/ Assets7.427.85(43)7.1329
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA2.16NA1.28NA
Loan Loss Reserves/ Gross Loans1.701.97(28)1.682
Loan Loss Reserves/ NPAsNA54.53NA77.22NA
Net Charge-offs/ Avg Loans0.150.28(13)0.43(28)
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.12NA12.02NA
   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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