The Bank of Delmarva

The Bank of Delmarva is headquartered in Seaford and is the 18^st largest bank in the state of Delaware. It is also the 1,527^th largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 104 employees at 14 locations. The Bank of Delmarva has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The Bank of Delmarva FDIC Certificate # 8810 BankRate Report View Year Established 1896 Employees 104 Primary Regulator FDIC Assets and Liabilities Assets $436.91 million Loans $330.48 million Deposits $377.05 million Equity Capital $37.68 million Loan Loss Allowance $7.10 million Unbacked Noncurrent Loans $14.27 million Real Estate Owned $1.85 million Historic Data - March 2011 Assets $429.93 million Equity Capital $39.92 million Loan Loss Allowance $5.52 million Unbacked Noncurrent Loans $13.53 million Real Estate Owned $2.22 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.25% Return on Equity 2.94% Interest Income $4.89 million

Institution Health Overall Score: 3 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 March 31, 2012 The Bank of Delmarva had $16.12 million in non-current loans and owned real-estate with $44.78 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Delmarva a Texas Ratio of 36.00% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Delmarva held steady from 34.67% as of March 31, 2011 to 36.00% as of March 31, 2012, resulting in a negative change of 3.84%. This indicates that the balance sheet and financial strength for The Bank of Delmarva has held steady in recent periods. Deposit Growth In the past year, The Bank of Delmarva has increased its total deposits by $9.96 million, resulting in 2.71% 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 The Bank of Delmarva has shown is above 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. The Bank of Delmarva has $436.91 million in assets with $44.78 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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