Community Bank Delaware in Lewes, Delaware (DE)

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Community Bank Delaware routing number info

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Community Bank Delaware
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)22
Total assets$130,930
Cash and due from depository institutions$1,483
Interest-bearing balances$150
Federal funds sold & reverse repurchase agreements$354
Net loans & leases$105,641
Loan loss allowance $1,754
Trading account assets$0
Bank premises and fixed assets$5,175
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,410
Life insurance assets$130,930
Total liabilities and capital$113,117
Total liabilities$110,639
Total deposits$97,521
Interest-bearing deposits$110,639
Deposits held in domestic offices$93
% insured (estimated)898.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,250
Other borrowed funds $0
Subordinated debt $330
All other liabilities $17,813
Total equity capital$17,813
Total bank equity capital$17,813
Perpetual preferred stock$4,500
Common stock$1,559
Undivided profits $-2,296
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,496
Earning assets $0
Long-term assets (5+ years) $423
Average Assets, year-to-date $122,012
Average Assets, quarterly $32,015
Volatile liabilities $126,819
Insider loans $130,874
FHLB advances $108,294
Loans and leases held for sale $130,506
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,142
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,016
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,999
Total interest expense $1,364
Net interest income $4,635
Provision for loan and lease losses $623
Total noninterest income $203
Fiduciary activities $0
Service charges on deposit accounts $96
Trading account gains & fees $0
Additional noninterest income $107
Total noninterest expense $3,055
Salaries and employee benefits $1,555
Premises and equipment expense $481
Additional noninterest expense $1,019
Pre-tax net operating income $1,160
Securities gains (losses) $24
Applicable income taxes -$651
Income before extraordinary items $1,835
Extraordinary gains - net $0
Net income attributable to bank $1,835
Net charge-offs $0
Cash dividends $1,835
Sale, conversion, retirement of capital stock, net $67
Net operating income $6
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 1.16%
Net interest margin 3.94%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 2.60%
Net operating income to assets 1.43%
Return on assets (ROA) 1.45%
Pretax return on assets 0.93%
Return on equity (ROE) 13.03%
Retained earnings to average equity (YTD only) 12.99%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 929.85%
Efficiency ratio26.61%
Assets per employee$63,146
Cash dividends to net income (YTD only)5.95%
Condition Ratios (%)
Loss allowance to loans 0.33%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 117.25%
Noncurrent loans to loans 1.14%
Net loans and leases to deposits1.39%
Net loans and leases to core deposits 95.48%
Equity capital to assets 102.66%
Core capital (leverage) ratio 13.60%
Tier 1 risk-based capital ratio 13.14%
Total risk-based capital ratio 15.83%
Average assets$17
Average earning assets$126,819
Average equity $14,079
Average loans $117,538
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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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