Delanco Federal Savings Bank in Delanco, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Delanco Federal Savings Bank in Delanco, New Jersey (NJ)
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Delanco Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28631
    Status: Active
    Federal Reserve ID: 122573
    Date Established: January 01, 1890
    WWW: http://www.delancofsb.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: No)
    OTS Docket #: 1993
    FDIC's unique #: 41465
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: October 10, 1951
    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: 615 Burlington Ave, Delanco, NJ 8075
    County: Burlington
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    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: Camden, NJ (#15804)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $136.2 mil
    Equity capital: $11.6 mil
    Deposits held in domestic offices: $122.0 mil
    Return on assets (ROA): -0.17% (-$0.2 mil)
    Quarterly return on assets: -1.61% (-$2.2 mil)
    Return on Equity (ROE): -1.97% (-$0.2 mil)
    Quarterly return on equity: -18.54% (-$2.2 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.36% (-$490.1 mil)
    Quarterly Pretax return on assets: -2.98% (-$4,057.3 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
  • 28Total employees (full-time equivalent)
  • $136,151Total assets
  • $8,366Cash and due from depository institutions
  • $7,831Interest-bearing balances
  • $17,287Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,332Net loans & leases
  • $1,323Loan loss allowance
  • $0Trading account assets
  • $7,204Bank premises and fixed assets
  • $901Other real estate owned
  • $0Goodwill and other intangibles
  • $136,151Life insurance assets
  • $3,061All other assets
  • $124,543Total liabilities and capital
  • $121,993Total liabilities
  • $116,383Total deposits
  • $121,993Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $550Subordinated debt
  • $11,608All other liabilities
  • $11,608Total equity capital
  • $11,608Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $6,490Surplus
  • $5,118Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,009Income earned, not collected on loans
  • $0Earning assets
  • $471Long-term assets (5+ years)
  • $124,450Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $136,313Volatile liabilities
  • $136,597Insider loans
  • $83,693FHLB advances
  • $135,616Loans and leases held for sale
  • $147Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,116Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,012Restructured Loans and leases
  • $585Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,086Total interest income
  • $1,500Total interest expense
  • $4,586Net interest income
  • $1,545Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $134Additional noninterest income
  • $3,668Total noninterest expense
  • $1,586Salaries and employee benefits
  • $688Premises and equipment expense
  • $1,394Additional noninterest expense
  • -$493Pre-tax net operating income
  • $0Securities gains (losses)
  • -$258Applicable income taxes
  • -$235Income before extraordinary items
  • $0Extraordinary gains - net
  • -$235Net income attributable to bank
  • $0Net charge-offs
  • -$235Cash dividends
  • $932Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • -0.17%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.36%Pretax return on assets
  • -1.97%Return on equity (ROE)
  • -1.97%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 165.77%Credit loss provision to net charge-offs
  • 1.13%Efficiency ratio
  • 77,712Assets per employee
  • 4.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 18.88%Noncurrent assets plus other real estate owned to assets
  • 5.81%Noncurrent loans to loans
  • 6.96%Net loans and leases to deposits
  • 81.42%Net loans and leases to core deposits
  • 84.03%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $136,313Average earning assets
  • $11,917Average equity
  • $125,129Average loans

List of branches

  • 2 New Jersey Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041465Delanco Federal Savings Bank615 Burlington Ave, Delanco, NJ 8075January 01, 1890Full Service Brick and Mortar
    1495448Cinnaminson Branch506 Route 130 N, Cinnaminson, NJ 8077August 18, 2006Full Service Brick and Mortar

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