The National Bank of Delaware County in Walton, New York (NY)



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The National Bank of Delaware County routing number info

Table of contents:
The National Bank of Delaware County
GeneralFDIC Certificate #: 7337
Status: Active
Federal Reserve ID: 281210
Bank Holding Company (Regulatory Top Holder): Delaware Bancshares, Inc. (RSSDID: 1250660, Location: Walton, NY)
Date Established: January 01, 1890
WWW: http://www.natbkdelco.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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 13791
FDIC's unique #: 4805
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: November 10, 2007
Last Structure Change Process Date: November 19, 2007
Last Data Update: November 19, 2007
Data Source Date: April 05, 2012
LocationAddress: 131-135 Delaware Street, Walton, NY 13856
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $258.2 mil
Equity capital: $28.9 mil
Deposits held in domestic offices: $218.0 mil
Return on assets (ROA): 0.63% ($1.6 mil)
Quarterly return on assets: 0.85% ($2.2 mil)
Return on Equity (ROE): 5.76% ($1.7 mil)
Quarterly return on equity: 7.62% ($2.2 mil)
Net income: $1.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.70% ($1,807.3 mil)
Quarterly Pretax return on assets: 1.04% ($2,685.2 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)68
Total assets$258,192
Cash and due from depository institutions$6,282
Interest-bearing balances$2,453
Securities$125,484
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$98,944
Loan loss allowance $1,608
Trading account assets$0
Bank premises and fixed assets$1,983
Other real estate owned$0
Goodwill and other intangibles$7,561
All other assets$17,938
Life insurance assets$258,192
Total liabilities and capital$229,295
Total liabilities$218,017
Total deposits$187,497
Interest-bearing deposits$218,017
Deposits held in domestic offices$81
% insured (estimated)2314.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $8,964
All other liabilities $28,897
Total equity capital$28,897
Total bank equity capital$28,897
Perpetual preferred stock$0
Common stock$920
Surplus$920
Undivided profits $27,057
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 $2,843
Earning assets $0
Long-term assets (5+ years) $986
Average Assets, year-to-date $226,881
Average Assets, quarterly $155,166
Volatile liabilities $262,025
Insider loans $263,320
FHLB advances $122,452
Loans and leases held for sale $255,076
Unused loan commitments $12,249
Tier 1 (core) risk-based capital $8,425
Tier 2 risk-based capital $23,101
Total risk weighted assets $3,447
Total unused commitments $377
Restructured Loans and leases $17,368
Derivatives$730
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,532
Total interest expense $2,306
Net interest income $8,226
Provision for loan and lease losses $697
Total noninterest income $1,440
Fiduciary activities $113
Service charges on deposit accounts $366
Trading account gains & fees $0
Additional noninterest income $961
Total noninterest expense $7,726
Salaries and employee benefits $3,935
Premises and equipment expense $657
Additional noninterest expense $3,134
Pre-tax net operating income $1,243
Securities gains (losses) $599
Applicable income taxes $201
Income before extraordinary items $1,641
Extraordinary gains - net $0
Net income attributable to bank $1,641
Net charge-offs $0
Cash dividends $1,641
Sale, conversion, retirement of capital stock, net $379
Net operating income $1,100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.59%
Cost of funding earning assets 1.00%
Net interest margin 3.58%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 3.36%
Net operating income to assets 0.42%
Return on assets (ROA) 0.63%
Pretax return on assets 0.70%
Return on equity (ROE) 5.76%
Retained earnings to average equity (YTD only) 1.90%
Net charge-offs to loans 0.36%
Credit loss provision to net charge-offs 183.91%
Efficiency ratio5.12%
Assets per employee$76,247
Cash dividends to net income (YTD only)3.80%
Condition Ratios (%)
Loss allowance to loans 67.03%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 56.56%
Noncurrent loans to loans 1.10%
Net loans and leases to deposits2.83%
Net loans and leases to core deposits 45.38%
Equity capital to assets 51.11%
Core capital (leverage) ratio 11.19%
Tier 1 risk-based capital ratio 9.06%
Total risk-based capital ratio 18.87%
Memoranda
Average assets$20
Average earning assets$262,025
Average equity $28,506
Average loans $229,642
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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$4,660
Number of Accounts1
Personal trust and agency accounts$4,660
Employee benefit-defined contribution accounts$743
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$681
Investment management agency accounts$0
Other fiduciary accounts$2,259
Fiduciary accounts held in foreign offices$977
Non-managed Assets$0
Number of Accounts42
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$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
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6 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04805The National Bank Of Delaware County131-135 Delaware Street, Walton, NY 13856January 01, 1890Full Service Brick and Mortar
1215243Andes Branch314 Main Street, Andes, NY 13731Febuary 03, 1958Full Service Brick and Mortar
2215244Franklin Branch536 Main Street, Franklin, NY 13775September 27, 1960Full Service Brick and Mortar
34722Hamden Branch35861 State Route 10, Hamden, NY 13782January 01, 1921Full Service Brick and Mortar
44792Stamford Branch1 Churchill Avenue, Stamford, NY 12167January 02, 1882Full Service Brick and Mortar
54783Roxbury Branch53898 State Highway 30, Roxbury, NY 12474March 25, 1905Full Service Brick and Mortar
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