The Delaware National Bank of Delhi in Delhi, New York (NY)
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| The Delaware National Bank of Delhi | |
|---|---|
| General | FDIC Certificate #: 7025 Status: Active Federal Reserve ID: 236603 Bank Holding Company (Regulatory Top Holder): Delhi Bank Corp. (RSSDID: 2263331, Location: Delhi, NY) Date Established: January 01, 1839 WWW: http://www.delhinybank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Domestic: 4, Interstate: No) OTS Docket #: 15381 FDIC's unique #: 4695 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 124 Main Street, Delhi, NY 13753 County: Delaware Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Syracuse Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $238.3 mil Equity capital: $22.7 mil Deposits held in domestic offices: $212.1 mil Return on assets (ROA): 0.77% ($1.8 mil) Quarterly return on assets: 0.78% ($1.9 mil) Return on Equity (ROE): 7.98% ($1.8 mil) Quarterly return on equity: 8.18% ($1.9 mil) Net income: $1.7 mil Quarterly Net income: $0.5 mil Pretax return on assets: 0.84% ($2,001.5 mil) Quarterly Pretax return on assets: 0.81% ($1,930.1 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 54 |
| Total assets | $238,278 |
| Cash and due from depository institutions | $12,081 |
| Interest-bearing balances | $1,799 |
| Securities | $133,332 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $81,111 |
| Loan loss allowance | $784 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,292 |
| Other real estate owned | $198 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,264 |
| Life insurance assets | $238,278 |
| Total liabilities and capital | $215,562 |
| Total liabilities | $212,106 |
| Total deposits | $183,477 |
| Interest-bearing deposits | $212,106 |
| Deposits held in domestic offices | $82 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $287 |
| Other borrowed funds | $0 |
| Subordinated debt | $3,169 |
| All other liabilities | $22,716 |
| Total equity capital | $22,661 |
| Total bank equity capital | $22,661 |
| Perpetual preferred stock | $0 |
| Common stock | $770 |
| Surplus | $770 |
| Undivided profits | $21,121 |
| Memoranda | |
| Noncurrent loans and leases | $55 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,536 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,450 |
| Average Assets, year-to-date | $216,242 |
| Average Assets, quarterly | $148,412 |
| Volatile liabilities | $221,222 |
| Insider loans | $238,590 |
| FHLB advances | $86,054 |
| Loans and leases held for sale | $232,930 |
| Unused loan commitments | $5,941 |
| Tier 1 (core) risk-based capital | $5,941 |
| Tier 2 risk-based capital | $20,238 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $12,419 |
| Derivatives | $3,709 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $8,620 |
| Total interest expense | $2,191 |
| Net interest income | $6,429 |
| Provision for loan and lease losses | $88 |
| Total noninterest income | $1,501 |
| Fiduciary activities | $214 |
| Service charges on deposit accounts | $452 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $835 |
| Total noninterest expense | $6,074 |
| Salaries and employee benefits | $3,218 |
| Premises and equipment expense | $1,204 |
| Additional noninterest expense | $1,652 |
| Pre-tax net operating income | $1,768 |
| Securities gains (losses) | $96 |
| Applicable income taxes | $171 |
| Income before extraordinary items | $1,693 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,693 |
| Net charge-offs | $0 |
| Cash dividends | $1,693 |
| Sale, conversion, retirement of capital stock, net | $238 |
| Net operating income | $622 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.26% |
| Cost of funding earning assets | 1.08% |
| Net interest margin | 3.17% |
| Noninterest income to earning assets | 0.74% |
| Noninterest expense to earning assets | 3.00% |
| Net operating income to assets | 0.73% |
| Return on assets (ROA) | 0.77% |
| Pretax return on assets | 0.84% |
| Return on equity (ROE) | 7.98% |
| Retained earnings to average equity (YTD only) | 5.05% |
| Net charge-offs to loans | 0.30% |
| Credit loss provision to net charge-offs | 36.97% |
| Efficiency ratio | 7.80% |
| Assets per employee | $76,595 |
| Cash dividends to net income (YTD only) | 4.41% |
| Condition Ratios (%) | |
| Loss allowance to loans | 36.74% |
| Loss allowance to noncurrent loans | 0.96% |
| Noncurrent assets plus other real estate owned to assets | 51.04% |
| Noncurrent loans to loans | 0.73% |
| Net loans and leases to deposits | 1.88% |
| Net loans and leases to core deposits | 38.24% |
| Equity capital to assets | 40.16% |
| Core capital (leverage) ratio | 9.51% |
| Tier 1 risk-based capital ratio | 8.69% |
| Total risk-based capital ratio | 23.52% |
| Memoranda | |
| Average assets | $24 |
| Average earning assets | $221,222 |
| Average equity | $21,218 |
| Average loans | $202,552 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $20,180 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $20,180 |
| Employee benefit-defined contribution accounts | $5,397 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $4,681 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $5,926 |
| Fiduciary accounts held in foreign offices | $4,176 |
| Non-managed Assets | $0 |
| Number of Accounts | 244 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $4,681 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 4 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 4695 | The Delaware National Bank Of Delhi | 124 Main Street, Delhi, NY 13753 | January 01, 1839 | Full Service Brick and Mortar |  |
| 1 | 213390 | Margaretville Branch | Route 28, Margaretville, NY 12455 | November 28, 1997 | Full Service Brick and Mortar |  |
| 2 | 478306 | Davenport Branch | 2503 Prosser Hollow Road Po Box 25, West Davenport, NY 13860 | November 19, 2007 | Full Service Brick and Mortar | |
| 3 | 513440 | Hobart Branch | 1058 Main Street, Hobart, NY 13788 | October 04, 2010 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.