The Delaware County Bank and Trust Company in Lewis Center, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 146Total employees (full-time equivalent)
  • $523,619Total assets
  • $39,291Cash and due from depository institutions
  • $28,257Interest-bearing balances
  • $89,470Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $350,176Net loans & leases
  • $9,584Loan loss allowance
  • $0Trading account assets
  • $11,907Bank premises and fixed assets
  • $4,634Other real estate owned
  • $16Goodwill and other intangibles
  • $523,619Life insurance assets
  • $28,125All other assets
  • $488,924Total liabilities and capital
  • $446,064Total liabilities
  • $375,863Total deposits
  • $446,064Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,036Trading liabilities
  • $0Other borrowed funds
  • $2,824Subordinated debt
  • $34,695All other liabilities
  • $34,695Total equity capital
  • $34,695Total bank equity capital
  • $0Perpetual preferred stock
  • $1,424Common stock
  • $30,000Surplus
  • $3,271Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,561Income earned, not collected on loans
  • $0Earning assets
  • $1,480Long-term assets (5+ years)
  • $467,903Average Assets, year-to-date
  • $148,510Average Assets, quarterly
  • $567,539Volatile liabilities
  • $534,001Insider loans
  • $401,585FHLB advances
  • $537,444Loans and leases held for sale
  • $17,822Unused loan commitments
  • $17,822Tier 1 (core) risk-based capital
  • $35,201Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $63,550Restructured Loans and leases
  • $838Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,820Total interest income
  • $5,190Total interest expense
  • $17,630Net interest income
  • $5,436Provision for loan and lease losses
  • $4,678Total noninterest income
  • $855Fiduciary activities
  • $1,122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,701Additional noninterest income
  • $20,710Total noninterest expense
  • $9,426Salaries and employee benefits
  • $3,083Premises and equipment expense
  • $8,201Additional noninterest expense
  • -$3,838Pre-tax net operating income
  • $865Securities gains (losses)
  • -$131Applicable income taxes
  • -$2,842Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,842Net income attributable to bank
  • $0Net charge-offs
  • -$2,842Cash dividends
  • $8,099Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • -0.65%Net operating income to assets
  • -0.50%Return on assets (ROA)
  • -0.52%Pretax return on assets
  • -7.83%Return on equity (ROE)
  • -7.83%Retained earnings to average equity (YTD only)
  • 2.06%Net charge-offs to loans
  • 67.12%Credit loss provision to net charge-offs
  • 0.20%Efficiency ratio
  • 92,837Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 90.75%Noncurrent assets plus other real estate owned to assets
  • 3.16%Noncurrent loans to loans
  • 2.94%Net loans and leases to deposits
  • 78.50%Net loans and leases to core deposits
  • 87.10%Equity capital to assets
  • 6.63%Core capital (leverage) ratio
  • 6.55%Tier 1 risk-based capital ratio
  • 8.77%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $567,539Average earning assets
  • $36,288Average equity
  • $499,538Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $187,229Managed Assets
  • 1Number of Accounts
  • $168,957Personal trust and agency accounts
  • $42,019Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,689Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $122,249Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 236Number of Accounts
  • $0Personal trust and agency accounts
  • $4,689Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,272Other retirement accounts
  • $14,511Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,761Fiduciary accounts held in foreign offices

List of branches

  • 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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