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


  • The Delaware National Bank of Delhi in Delhi, New York (NY)
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The Delaware National Bank of Delhi routing number info

The Delaware National Bank of Delhi - Overview

  • 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)

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
  • 54Total employees (full-time equivalent)
  • $238,278Total assets
  • $12,081Cash and due from depository institutions
  • $1,799Interest-bearing balances
  • $133,332Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $81,111Net loans & leases
  • $784Loan loss allowance
  • $0Trading account assets
  • $3,292Bank premises and fixed assets
  • $198Other real estate owned
  • $0Goodwill and other intangibles
  • $238,278Life insurance assets
  • $8,264All other assets
  • $215,562Total liabilities and capital
  • $212,106Total liabilities
  • $183,477Total deposits
  • $212,106Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $287Trading liabilities
  • $0Other borrowed funds
  • $3,169Subordinated debt
  • $22,716All other liabilities
  • $22,661Total equity capital
  • $22,661Total bank equity capital
  • $0Perpetual preferred stock
  • $770Common stock
  • $770Surplus
  • $21,121Undivided profits
  • Memoranda
  • $55Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,536Income earned, not collected on loans
  • $0Earning assets
  • $1,450Long-term assets (5+ years)
  • $216,242Average Assets, year-to-date
  • $148,412Average Assets, quarterly
  • $221,222Volatile liabilities
  • $238,590Insider loans
  • $86,054FHLB advances
  • $232,930Loans and leases held for sale
  • $5,941Unused loan commitments
  • $5,941Tier 1 (core) risk-based capital
  • $20,238Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,419Restructured Loans and leases
  • $3,709Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,620Total interest income
  • $2,191Total interest expense
  • $6,429Net interest income
  • $88Provision for loan and lease losses
  • $1,501Total noninterest income
  • $214Fiduciary activities
  • $452Service charges on deposit accounts
  • $0Trading account gains & fees
  • $835Additional noninterest income
  • $6,074Total noninterest expense
  • $3,218Salaries and employee benefits
  • $1,204Premises and equipment expense
  • $1,652Additional noninterest expense
  • $1,768Pre-tax net operating income
  • $96Securities gains (losses)
  • $171Applicable income taxes
  • $1,693Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,693Net income attributable to bank
  • $0Net charge-offs
  • $1,693Cash dividends
  • $238Sale, conversion, retirement of capital stock, net
  • $622Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.17%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 7.98%Return on equity (ROE)
  • 5.05%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 36.97%Credit loss provision to net charge-offs
  • 7.80%Efficiency ratio
  • 76,595Assets per employee
  • 4.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.74%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 51.04%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.88%Net loans and leases to deposits
  • 38.24%Net loans and leases to core deposits
  • 40.16%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 23.52%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $221,222Average earning assets
  • $21,218Average equity
  • $202,552Average 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
  • $20,180Managed Assets
  • 1Number of Accounts
  • $20,180Personal trust and agency accounts
  • $5,397Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,681Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,926Other fiduciary accounts
  • $4,176Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 244Number of Accounts
  • $0Personal trust and agency accounts
  • $4,681Employee 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

  • 4 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    04695The Delaware National Bank Of Delhi124 Main Street, Delhi, NY 13753January 01, 1839Full Service Brick and Mortar
    1213390Margaretville BranchRoute 28, Margaretville, NY 12455November 28, 1997Full Service Brick and Mortar
    2478306Davenport Branch2503 Prosser Hollow Road Po Box 25, West Davenport, NY 13860November 19, 2007Full Service Brick and Mortar
    3513440Hobart Branch1058 Main Street, Hobart, NY 13788October 04, 2010Full Service Brick and Mortar

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