Aurora Bank FSB in Wilmington, Delaware (DE), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Aurora Bank FSB in Wilmington, Delaware (DE), NJ
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Aurora Bank FSB - Overview

  • General
  • FDIC Certificate #: 30890
    Status: Active
    Federal Reserve ID: 759072
    Date Established: January 01, 1921
    WWW: http://www.aurorabankfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: Yes)
    OTS Docket #: 6069
    FDIC's unique #: 43724
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: All Other Specialization > 1 Billion
    Date of Deposit Insurance: January 02, 1958
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 N. West Street, Suite 200, Wilmington, DE 19801
    County: New Castle
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Claymont
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Wilmington-Newark, DE-MD (#9160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Wilmington, DE-MD-NJ (#48864)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $4,334.7 mil
    Equity capital: $782.7 mil
    Deposits held in domestic offices: $3,296.4 mil
    Return on assets (ROA): -1.86% (-$80.6 mil)
    Quarterly return on assets: -6.56% (-$284.4 mil)
    Return on Equity (ROE): -9.72% (-$76.1 mil)
    Quarterly return on equity: -35.65% (-$279.1 mil)
    Net income: -$83.2 mil
    Quarterly Net income: -$73.0 mil
    Pretax return on assets: -1.91% (-$82,792.4 mil)
    Quarterly Pretax return on assets: -6.69% (-$289,990.2 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
  • 1,939Total employees (full-time equivalent)
  • $4,334,681Total assets
  • $1,037,458Cash and due from depository institutions
  • $975,152Interest-bearing balances
  • $179,223Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $881,246Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $42,617Bank premises and fixed assets
  • $14,871Other real estate owned
  • $285,640Goodwill and other intangibles
  • $4,334,681Life insurance assets
  • $1,893,626All other assets
  • $3,552,004Total liabilities and capital
  • $3,296,357Total liabilities
  • $3,197,414Total deposits
  • $3,296,357Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $937Other borrowed funds
  • $254,710Subordinated debt
  • $782,677All other liabilities
  • $782,677Total equity capital
  • $782,677Total bank equity capital
  • $35,259Perpetual preferred stock
  • $1Common stock
  • $1,475,207Surplus
  • $-727,790Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $153,039Income earned, not collected on loans
  • $6,439Earning assets
  • $7,104Long-term assets (5+ years)
  • $2,035,621Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $4,460,211Volatile liabilities
  • $4,455,386Insider loans
  • $3,148,792FHLB advances
  • $4,305,940Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $753,936Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $149,679Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $97,259Total interest income
  • $70,761Total interest expense
  • $26,498Net interest income
  • $0Provision for loan and lease losses
  • $255,945Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $57,200Trading account gains & fees
  • $198,745Additional noninterest income
  • $367,591Total noninterest expense
  • $189,155Salaries and employee benefits
  • $32,370Premises and equipment expense
  • $146,066Additional noninterest expense
  • -$85,148Pre-tax net operating income
  • $110Securities gains (losses)
  • -$1,861Applicable income taxes
  • -$83,177Income before extraordinary items
  • $0Extraordinary gains - net
  • -$83,177Net income attributable to bank
  • $0Net charge-offs
  • -$83,177Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $1,596Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 3.20%Cost of funding earning assets
  • 1.20%Net interest margin
  • 11.59%Noninterest income to earning assets
  • 16.65%Noninterest expense to earning assets
  • -1.87%Net operating income to assets
  • -1.86%Return on assets (ROA)
  • -1.91%Pretax return on assets
  • -9.72%Return on equity (ROE)
  • -9.90%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 126,820Assets per employee
  • 2.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1.92%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 3.87%Noncurrent loans to loans
  • 17.37%Net loans and leases to deposits
  • 26.73%Net loans and leases to core deposits
  • 71.06%Equity capital to assets
  • 18.06%Core capital (leverage) ratio
  • 17.51%Tier 1 risk-based capital ratio
  • 23.94%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $4,460,211Average earning assets
  • $855,926Average equity
  • $2,208,194Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,768Managed Assets
  • 1Number of Accounts
  • $11,768Personal trust and agency accounts
  • $3,969Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $7,799Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 17Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee 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

  • 1 Delaware Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043724Aurora Bank Fsb1000 N. West Street, Suite 200, Wilmington, DE 19801January 01, 1921Full Service Brick and Mortar
  • 1 New Jersey Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    4495498Jersey City Branch70 Hudson St, Jersey City, NJ 7302January 26, 2004Full Service Brick and Mortar

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