The Delaware County Bank and Trust Company in Lewis Center, Ohio (OH)



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The Delaware County Bank and Trust Company routing number info

Table of contents:
The Delaware County Bank and Trust Company
GeneralFDIC Certificate #: 16940
Status: Active
Federal Reserve ID: 616410
Bank Holding Company (Regulatory Top Holder): Dcb Financial Corp (RSSDID: 2497462, Location: Lewis Center, OH)
Date Established: October 07, 1950
WWW: http://www.dcbfinancialcorp.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 21 (Domestic: 21, Interstate: No)
OTS Docket #: 13580
FDIC's unique #: 11020
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: October 07, 1950
Last Structure Change Effective Date: November 15, 2011
Last Structure Change Process Date: November 15, 2011
Last Data Update: November 15, 2011
Data Source Date: April 05, 2012
LocationAddress: 110 Riverbend Avenue, Lewis Center, OH 43035
County: Delaware
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Columbus, OH (#1840)
Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
Core Based Statistical Area (CBSA): Columbus, OH (#18140)
CBSA Metro Statistical Area: Columbus, OH (#18140)
Financial SummaryTotal assets: $523.6 mil
Equity capital: $34.7 mil
Deposits held in domestic offices: $446.1 mil
Return on assets (ROA): -0.50% (-$2.6 mil)
Quarterly return on assets: -0.74% (-$3.9 mil)
Return on Equity (ROE): -7.83% (-$2.7 mil)
Quarterly return on equity: -11.15% (-$3.9 mil)
Net income: -$2.8 mil
Quarterly Net income: -$1.0 mil
Pretax return on assets: -0.52% (-$2,722.8 mil)
Quarterly Pretax return on assets: -0.44% (-$2,303.9 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)146
Total assets$523,619
Cash and due from depository institutions$39,291
Interest-bearing balances$28,257
Securities$89,470
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$350,176
Loan loss allowance $9,584
Trading account assets$0
Bank premises and fixed assets$11,907
Other real estate owned$4,634
Goodwill and other intangibles$16
All other assets$28,125
Life insurance assets$523,619
Total liabilities and capital$488,924
Total liabilities$446,064
Total deposits$375,863
Interest-bearing deposits$446,064
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$40,036
Other borrowed funds $0
Subordinated debt $2,824
All other liabilities $34,695
Total equity capital$34,695
Total bank equity capital$34,695
Perpetual preferred stock$0
Common stock$1,424
Surplus$30,000
Undivided profits $3,271
Memoranda
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 $10,561
Earning assets $0
Long-term assets (5+ years) $1,480
Average Assets, year-to-date $467,903
Average Assets, quarterly $148,510
Volatile liabilities $567,539
Insider loans $534,001
FHLB advances $401,585
Loans and leases held for sale $537,444
Unused loan commitments $17,822
Tier 1 (core) risk-based capital $17,822
Tier 2 risk-based capital $35,201
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $63,550
Derivatives$838
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $22,820
Total interest expense $5,190
Net interest income $17,630
Provision for loan and lease losses $5,436
Total noninterest income $4,678
Fiduciary activities $855
Service charges on deposit accounts $1,122
Trading account gains & fees $0
Additional noninterest income $2,701
Total noninterest expense $20,710
Salaries and employee benefits $9,426
Premises and equipment expense $3,083
Additional noninterest expense $8,201
Pre-tax net operating income -$3,838
Securities gains (losses) $865
Applicable income taxes -$131
Income before extraordinary items -$2,842
Extraordinary gains - net $0
Net income attributable to bank -$2,842
Net charge-offs $0
Cash dividends -$2,842
Sale, conversion, retirement of capital stock, net $8,099
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 assets4.57%
Cost of funding earning assets 1.04%
Net interest margin 3.53%
Noninterest income to earning assets 0.94%
Noninterest expense to earning assets 4.15%
Net operating income to assets -0.65%
Return on assets (ROA) -0.50%
Pretax return on assets -0.52%
Return on equity (ROE) -7.83%
Retained earnings to average equity (YTD only) -7.83%
Net charge-offs to loans 2.06%
Credit loss provision to net charge-offs 67.12%
Efficiency ratio0.20%
Assets per employee$92,837
Cash dividends to net income (YTD only)3.59%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.66%
Noncurrent assets plus other real estate owned to assets 90.75%
Noncurrent loans to loans 3.16%
Net loans and leases to deposits2.94%
Net loans and leases to core deposits 78.50%
Equity capital to assets 87.10%
Core capital (leverage) ratio 6.63%
Tier 1 risk-based capital ratio 6.55%
Total risk-based capital ratio 8.77%
Memoranda
Average assets$10
Average earning assets$567,539
Average equity $36,288
Average loans $499,538
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$187,229
Number of Accounts1
Personal trust and agency accounts$168,957
Employee benefit-defined contribution accounts$42,019
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$4,689
Investment management agency accounts$0
Other fiduciary accounts$122,249
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts236
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$4,689
Employee benefit-defined benefit accounts$0
Other retirement accounts$18,272
Corporate trust and agency accounts$14,511
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$3,761
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21 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011020The Delaware County Bank And Trust C110 Riverbend Avenue, Lewis Center, OH 43035October 07, 1950Full Service Brick and Mortar
1239562Delaware Center Branch199 South Sandusky Street, Delaware, OH 43015June 06, 1960Full Service Brick and Mortar
2239563Galena Branch10 Park Street, Galena, OH 43021July 01, 1965Full Service Brick and Mortar
3239564Ostrander Branch10 West North Street, Ostrander, OH 43061October 02, 1967Full Service Brick and Mortar
4239565Williams Street Drive-In Branch33 W William Street, Delaware, OH 43015Febuary 12, 1970Limited Service Facility
65728Ashley Branch2 West High Street, Ashley, OH 43003January 01, 1905Full Service Brick and Mortar
7239567Buehler-Central Branch800 West Central Avenue, Delaware, OH 43015April 06, 1987Full Service Brick and Mortar
10239570Sunbury Branch75 South Miller Drive, Sunbury, OH 43074March 08, 1991Full Service Brick and Mortar
11239571City Gate Branch181 North Colemans Crossing Blvd, Marysville, OH 43040July 25, 1994Full Service Brick and Mortar
12239572Willow Brook Way Branch100 Willow Brook Way South, Delaware, OH 43015September 04, 1996Full Service Brick and Mortar
13239573Highland Lakes Branch6156 Highland Lakes Avenue, Westerville, OH 43081June 02, 1997Full Service Brick and Mortar
14239574Sawmill Road Branch10149 Brewster Lane, Powell, OH 43065November 17, 1997Full Service Brick and Mortar
15239575Avery Road Branch6820 Perimeter Loop Road, Dublin, OH 43017October 11, 1999Full Service Brick and Mortar
17362819Downtown Delaware Branch41 North Sandusky Street, Delaware, OH 43015June 11, 2001Full Service Brick and Mortar
18461046Polaris Branch1942 Polaris Parkway, Columbus, OH 43240March 05, 2007Full Service Brick and Mortar
19469155Lewis Center Drive-Thru34 Evergreen Avenue, Lewis Center, OH 43035September 24, 2007Limited Service Facility
20469269Olentangy Crossing Office81 Gallopers Ridge East, Lewis Center, OH 43035October 29, 2007Full Service Brick and Mortar
21478873Liberty Branch7319 Sawmill Parkway, Powell, OH 43065May 05, 2008Full Service Brick and Mortar
22481135Marysville Plaza Branch1055 West Fifth Street, Marysville, OH 43040September 08, 2008Full Service Brick and Mortar
23510939Willowbrook At Delaware Run Branch100 Delaware Crossing West, Delaware, OH 43015September 02, 2009Full Service Brick and Mortar
24521853Www.Webdcb.com Branch110 Riverbend Avenue, Lewis Center, OH 43035July 01, 2010Full Service Cyber
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