Artisans' Bank in Wilmington, Delaware (DE)

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Artisans' Bank
GeneralFDIC Certificate #: 17123
Status: Active
Federal Reserve ID: 73116
Date Established: Febuary 28, 1861
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 13184
FDIC's unique #: 11166
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 03, 1952
Last Structure Change Effective Date: June 24, 2008
Last Structure Change Process Date: June 24, 2008
Last Data Update: June 24, 2008
Data Source Date: April 05, 2012
LocationAddress: 2961 Centerville Road, Wilmington, DE 19808
County: New Castle
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Claymont
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Wilmington-Newark, DE-MD (#9160)
Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
Core Based Statistical Division: Wilmington, DE-MD-NJ (#48864)
Financial SummaryTotal assets: $543.9 mil
Equity capital: $39.4 mil
Deposits held in domestic offices: $476.4 mil
Return on assets (ROA): -0.09% (-$0.5 mil)
Quarterly return on assets: -0.94% (-$5.1 mil)
Return on Equity (ROE): -1.38% (-$0.5 mil)
Quarterly return on equity: -12.80% (-$5.0 mil)
Net income: -$0.5 mil
Quarterly Net income: -$1.3 mil
Pretax return on assets: -0.20% (-$1,087.8 mil)
Quarterly Pretax return on assets: -0.77% (-$4,188.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)132
Total assets$543,915
Cash and due from depository institutions$42,977
Interest-bearing balances$35,595
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$341,185
Loan loss allowance $11,275
Trading account assets$0
Bank premises and fixed assets$28,374
Other real estate owned$7,656
Goodwill and other intangibles$0
All other assets$7,613
Life insurance assets$543,915
Total liabilities and capital$504,492
Total liabilities$476,401
Total deposits$448,920
Interest-bearing deposits$476,401
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $8,091
All other liabilities $39,423
Total equity capital$39,423
Total bank equity capital$39,423
Perpetual preferred stock$0
Common stock$0
Undivided profits $32,423
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $200
Income earned, not collected on loans $19,132
Earning assets $0
Long-term assets (5+ years) $1,203
Average Assets, year-to-date $492,890
Average Assets, quarterly $79,648
Volatile liabilities $586,600
Insider loans $548,653
FHLB advances $403,908
Loans and leases held for sale $544,128
Unused loan commitments $2,731
Tier 1 (core) risk-based capital $2,731
Tier 2 risk-based capital $35,175
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $44,774
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,319
Total interest expense $5,298
Net interest income $19,021
Provision for loan and lease losses $3,390
Total noninterest income $841
Fiduciary activities $0
Service charges on deposit accounts $678
Trading account gains & fees $0
Additional noninterest income $163
Total noninterest expense $18,686
Salaries and employee benefits $9,310
Premises and equipment expense $2,576
Additional noninterest expense $6,800
Pre-tax net operating income -$2,214
Securities gains (losses) $1,022
Applicable income taxes -$664
Income before extraordinary items -$528
Extraordinary gains - net $0
Net income attributable to bank -$528
Net charge-offs $0
Cash dividends -$528
Sale, conversion, retirement of capital stock, net $4,315
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.55%
Cost of funding earning assets 0.99%
Net interest margin 3.56%
Noninterest income to earning assets 0.16%
Noninterest expense to earning assets 3.49%
Net operating income to assets -0.20%
Return on assets (ROA) -0.09%
Pretax return on assets -0.20%
Return on equity (ROE) -1.38%
Retained earnings to average equity (YTD only) -1.38%
Net charge-offs to loans 1.07%
Credit loss provision to net charge-offs 78.56%
Efficiency ratio0.27%
Assets per employee$94,079
Cash dividends to net income (YTD only)4.12%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.20%
Noncurrent assets plus other real estate owned to assets 58.93%
Noncurrent loans to loans 4.93%
Net loans and leases to deposits5.43%
Net loans and leases to core deposits 71.62%
Equity capital to assets 73.43%
Core capital (leverage) ratio 7.25%
Tier 1 risk-based capital ratio 6.46%
Total risk-based capital ratio 8.71%
Average assets$10
Average earning assets$586,600
Average equity $38,255
Average loans $535,026
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13 Delaware Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011166Artisans' Bank2961 Centerville Road, Wilmington, DE 19808Febuary 28, 1861Full Service Brick and Mortar
1240604Graylyn Branch1706 Marsh Road, Wilmington, DE 19810July 07, 1959Full Service Brick and Mortar
2240605Dover Branch1555 South Governors Avenue, Dover, DE 19904December 01, 1965Full Service Brick and Mortar
3240606Midway Branch4901 Kirkwood Highway, Wilmington, DE 19808March 01, 1961Full Service Brick and Mortar
6240609Talleyville Branch3631 Silverside Road, Wilmington, DE 19810July 10, 1989Full Service Brick and Mortar
7240610Pike Creek Branch4551 Linden Hill Road, Wilmington, DE 19808April 17, 1995Full Service Brick and Mortar
8240611Bear Branch1124 Pulaski Highway, Bear, DE 19701July 19, 1999Full Service Brick and Mortar
9419486Glasgow Branch2424 Pulaski Highway, Newark, DE 19702December 01, 2002Full Service Brick and Mortar
10429366Rehoboth Branch19358 Miller Road, Rehoboth Beach, DE 19971April 05, 2004Full Service Brick and Mortar
11441637Milford Branch100 Aereson Drive, Milford, DE 19963September 13, 2004Full Service Brick and Mortar
12470819Little Falls Branch2961 Centerville Road, Wilmington, DE 19808September 19, 2007Full Service Brick and Mortar
13472083W. Ninth Street Branch223 W. Ninth Street, Wilmington, DE 19801January 14, 2008Full Service Brick and Mortar
14476975Millville Branch35696 Atlantic Avenue, Millville, DE 19967April 28, 2008Full Service Brick and Mortar
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