The National Bank of Delaware County in Walton, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The National Bank of Delaware County - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 68Total employees (full-time equivalent)
  • $258,192Total assets
  • $6,282Cash and due from depository institutions
  • $2,453Interest-bearing balances
  • $125,484Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $98,944Net loans & leases
  • $1,608Loan loss allowance
  • $0Trading account assets
  • $1,983Bank premises and fixed assets
  • $0Other real estate owned
  • $7,561Goodwill and other intangibles
  • $258,192Life insurance assets
  • $17,938All other assets
  • $229,295Total liabilities and capital
  • $218,017Total liabilities
  • $187,497Total deposits
  • $218,017Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 2314.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8,964Subordinated debt
  • $28,897All other liabilities
  • $28,897Total equity capital
  • $28,897Total bank equity capital
  • $0Perpetual preferred stock
  • $920Common stock
  • $920Surplus
  • $27,057Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,843Income earned, not collected on loans
  • $0Earning assets
  • $986Long-term assets (5+ years)
  • $226,881Average Assets, year-to-date
  • $155,166Average Assets, quarterly
  • $262,025Volatile liabilities
  • $263,320Insider loans
  • $122,452FHLB advances
  • $255,076Loans and leases held for sale
  • $12,249Unused loan commitments
  • $8,425Tier 1 (core) risk-based capital
  • $23,101Tier 2 risk-based capital
  • $3,447Total risk weighted assets
  • $377Total unused commitments
  • $17,368Restructured Loans and leases
  • $730Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,532Total interest income
  • $2,306Total interest expense
  • $8,226Net interest income
  • $697Provision for loan and lease losses
  • $1,440Total noninterest income
  • $113Fiduciary activities
  • $366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $961Additional noninterest income
  • $7,726Total noninterest expense
  • $3,935Salaries and employee benefits
  • $657Premises and equipment expense
  • $3,134Additional noninterest expense
  • $1,243Pre-tax net operating income
  • $599Securities gains (losses)
  • $201Applicable income taxes
  • $1,641Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,641Net income attributable to bank
  • $0Net charge-offs
  • $1,641Cash dividends
  • $379Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 5.76%Return on equity (ROE)
  • 1.90%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 183.91%Credit loss provision to net charge-offs
  • 5.12%Efficiency ratio
  • 76,247Assets per employee
  • 3.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.03%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 56.56%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 2.83%Net loans and leases to deposits
  • 45.38%Net loans and leases to core deposits
  • 51.11%Equity capital to assets
  • 11.19%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 18.87%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $262,025Average earning assets
  • $28,506Average equity
  • $229,642Average 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
  • $4,660Managed Assets
  • 1Number of Accounts
  • $4,660Personal trust and agency accounts
  • $743Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $681Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,259Other fiduciary accounts
  • $977Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 42Number of Accounts
  • $0Personal trust and agency accounts
  • $681Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The National Bank of Delaware County.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents