Barclays Bank Delaware

Barclays Bank Delaware is headquartered in Wilmington and is the 8^th largest bank in the state of Delaware. It is also the 74^th largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 1,295 employees at 1 location. Barclays Bank Delaware has a 5-star health rating.

Barclays Bank Delaware Routing Number: 031101127

Data for Q4 2011

Institution Statistics Barclays Bank Delaware FDIC Certificate # 57203 BankRate Report View Year Established 2001 Employees 1295 Primary Regulator FDIC Assets and Liabilities Assets $15.26 billion Loans $11.69 billion Deposits $6.94 billion Equity Capital $2.16 billion Loan Loss Allowance $470.01 million Unbacked Noncurrent Loans $182.08 million Historic Data - December 2010 Assets $14.35 billion Equity Capital $1.92 billion Loan Loss Allowance $702.07 million Unbacked Noncurrent Loans $256.46 million Profit Margin - Quarterly Net Interest Margin 8.61% Return on Assets 1.86% Return on Equity 13.09% Interest Income $1.21 billion

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Barclays Bank Delaware had $182.08 million in non-current loans and owned real-estate with $2.63 billion in equity and loan loss allowances on hand to cover it. This gives Barclays Bank Delaware a Texas Ratio of 6.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Barclays Bank Delaware decreased slightly from 9.77% as of December 31, 2010 to 6.92% as of December 31, 2011, resulting in a positive change of 29.18%.This indicates that the balance sheet and financial strength for Barclays Bank Delaware has improved slightly in recent periods. Deposit Growth In the past year, Barclays Bank Delaware has decreased its total deposits by -$29.62 million, resulting in -0.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Barclays Bank Delaware has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Barclays Bank Delaware has $15.26 billion in assets with $2.63 billion in equity, resulting in a capitalization level of 17.24%, which is excellent.

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