Community Bank Delaware in Lewes, Delaware (DE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank Delaware in Lewes, Delaware (DE)
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Community Bank Delaware - Overview

  • General
  • FDIC Certificate #: 58311
    Status: Active
    Federal Reserve ID: 3446784
    Date Established: May 30, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 445981
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: May 30, 2006
    Last Structure Change Effective Date: November 14, 2006
    Last Structure Change Process Date: November 14, 2006
    Last Data Update: November 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1450 Kings Highway, Lewes, DE 19958
    County: Sussex
    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
    Core Based Statistical Area (CBSA): Seaford, DE (#42580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $130.9 mil
    Equity capital: $17.8 mil
    Deposits held in domestic offices: $110.6 mil
    Return on assets (ROA): 1.45% ($1.9 mil)
    Quarterly return on assets: 0.93% ($1.2 mil)
    Return on Equity (ROE): 13.03% ($2.3 mil)
    Quarterly return on equity: 6.90% ($1.2 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.93% ($1,217.6 mil)
    Quarterly Pretax return on assets: 1.11% ($1,453.3 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
  • 22Total employees (full-time equivalent)
  • $130,930Total assets
  • $1,483Cash and due from depository institutions
  • $150Interest-bearing balances
  • $15,867Securities
  • $354Federal funds sold & reverse repurchase agreements
  • $105,641Net loans & leases
  • $1,754Loan loss allowance
  • $0Trading account assets
  • $5,175Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $130,930Life insurance assets
  • $2,410All other assets
  • $113,117Total liabilities and capital
  • $110,639Total liabilities
  • $97,521Total deposits
  • $110,639Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 898.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,250Trading liabilities
  • $0Other borrowed funds
  • $330Subordinated debt
  • $17,813All other liabilities
  • $17,813Total equity capital
  • $17,813Total bank equity capital
  • $4,500Perpetual preferred stock
  • $1,559Common stock
  • $14,050Surplus
  • $-2,296Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,496Income earned, not collected on loans
  • $0Earning assets
  • $423Long-term assets (5+ years)
  • $122,012Average Assets, year-to-date
  • $32,015Average Assets, quarterly
  • $126,819Volatile liabilities
  • $130,874Insider loans
  • $108,294FHLB advances
  • $130,506Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,142Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,016Restructured Loans and leases
  • $10,985Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,999Total interest income
  • $1,364Total interest expense
  • $4,635Net interest income
  • $623Provision for loan and lease losses
  • $203Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $3,055Total noninterest expense
  • $1,555Salaries and employee benefits
  • $481Premises and equipment expense
  • $1,019Additional noninterest expense
  • $1,160Pre-tax net operating income
  • $24Securities gains (losses)
  • -$651Applicable income taxes
  • $1,835Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,835Net income attributable to bank
  • $0Net charge-offs
  • $1,835Cash dividends
  • $67Sale, conversion, retirement of capital stock, net
  • $6Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 13.03%Return on equity (ROE)
  • 12.99%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 929.85%Credit loss provision to net charge-offs
  • 26.61%Efficiency ratio
  • 63,146Assets per employee
  • 5.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.33%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 117.25%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 95.48%Net loans and leases to core deposits
  • 102.66%Equity capital to assets
  • 13.60%Core capital (leverage) ratio
  • 13.14%Tier 1 risk-based capital ratio
  • 15.83%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $126,819Average earning assets
  • $14,079Average equity
  • $117,538Average loans

List of branches

  • 2 Delaware Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0445981Community Bank Delaware1450 Kings Highway, Lewes, DE 19958May 30, 2006Full Service Brick and Mortar
    1464379Rehoboth Beach36993 Rehoboth Avenue Extended, Rehoboth Beach, DE 19971June 21, 2007Full Service Brick and Mortar

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