Wilmington Savings Fund Society Fsb Mortgage Rates, Fees & Info
Wilmington, DELEI: 5493005DKMV1IHIM8E20
Tax ID: 51-0054940
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Review & Overview
Wilmington Savings Fund Society Fsb is a smaller mortgage company specializing in Home Purchase and Refi loans. Wilmington Savings Fund Society Fsb has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Salisbury, Dover, Ocean City, and New York among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)Wilmington Savings Fund Society Fsb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Wilmington Savings Fund Society Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.42% | 12/16/24 |
| 30 Year Conventional Refi | 6.43% | 12/16/24 |
| 30 Year Cash-out Refi | 6.68% | 12/16/24 |
| 30 Year FHA Purchase | 7.40% | 12/16/24 |
| 30 Year FHA Refi | 6.97% | 12/16/24 |
| 30 Year VA Purchase | 6.35% | 12/16/24 |
| 30 Year VA Refi | 5.86% | 12/16/24 |
| 30 Year USDA Purchase | 6.87% | 12/16/24 |
| 15 Year Conventional Purchase | 6.00% | 12/16/24 |
| 15 Year Conventional Refi | 5.84% | 12/16/24 |
| 15 Year Cash-out Refi | 5.84% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wilmington Savings Fund Society Fsb Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,170Origination Dollar Volume (All Markets)
$456,000,000Employee count
1,147Awards
Wilmington Savings Fund Society FSB - 2018
Wilmington Savings Fund Society FSB is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,535 | $310,915,000 | $202,550 | $3,106 | 4.10% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 256 | $53,190,000 | $207,773 | $2,936 | 3.95% |
| DOVER, DE (FHA|USDA|VA) | 189 | $25,045,000 | $132,513 | $3,249 | 4.04% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 31 | $10,855,000 | $350,161 | $3,955 | 4.27% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $8,360,000 | $522,500 | $6,704 | 4.08% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 15 | $6,395,000 | $426,333 | $3,479 | 4.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $5,780,000 | $578,000 | $4,007 | 4.37% |
| Outside of Metro Areas | 13 | $4,295,000 | $330,385 | $2,321 | 4.35% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,855,000 | $428,333 | $3,671 | 4.01% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $3,310,000 | $1,655,000 | $4,867 | 5.06% |
| LANCASTER, PA (FHA|USDA|VA) | 11 | $3,015,000 | $274,091 | $3,027 | 5.07% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $4,244 | 3.94% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $7,104 | 4.37% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $2,213 | 4.51% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $2,195 | 4.39% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $1,793 | 4.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,484 | 4.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,707 | 4.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,224 | 4.13% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,391 | 4.19% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,296 | 4.38% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,275 | 4.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $6,456 | 4.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,880 | 3.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,248 | 5.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,257 | 3.88% |
| READING, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $1,385 | 5.40% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $65 | 3.87% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,440 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,025 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,943 | 5.06% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,415 | 5.00% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,966 | 4.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $1,662 | 5.47% |
| Heber, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,691 | 4.75% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 5.90% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.99% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,519 | 4.00% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,112 | 5.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,845 | 4.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,435 | 5.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,306 | 4.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,426 | 4.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,473 | 3.81% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,644 | 5.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,988 | 4.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 2.99% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,942 | 4.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,335 | 5.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,575 | 4.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,610 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,138 | 4.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,288 | 4.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,400 | 4.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,550 | 5.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,402 | 5.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,442 | 4.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,847 | 4.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,478 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,588 | 4.63% |
| Berlin, NH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,952 | 4.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,948 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wilmington Savings Fund Society FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Wilmington Savings Fund Society Fsb's most frequently originated type of loan was Conventional, with 1,097 originations. Their 2nd most popular type was HELOC, with 1,025 originations.
Loan Reason
For 2018, Wilmington Savings Fund Society Fsb's most frequently cited loan purpose was Home Purchase, with 689 originations. The 2nd most popular reason was Refi, with 625 originations.
Loan Duration/Length
For 2018, Wilmington Savings Fund Society Fsb's most frequently cited loan duration was 30 Year, with 1,698 originations. The 2nd most popular length was 20 Year, with 188 originations.
Origination Fees/Closing Costs
Wilmington Savings Fund Society Fsb's average total fees were $3,830, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 847 originations.
Interest Rates
During 2018, Wilmington Savings Fund Society Fsb's average interest rate for loans was 3.69%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,005 originations.
Loan Sizing
2018 saw Wilmington Savings Fund Society Fsb place emphasis on $100k-200k loans with 646 originations, totaling $91,440,000 in origination value.
Applicant Income
Wilmington Savings Fund Society Fsb lent most frequently to those with incomes in the $100k-150k range, with 409 originations. The second most popular income band? $150k-250k, with 366 originations.
Applicant Debt to Income Ratio
Wilmington Savings Fund Society Fsb lent most frequently to those with DTI ratios of 20-30%, with 455 originations. The next most common DTI ratio? 30-36%, with 389 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.72%
Wilmington Savings Fund Society Fsb has a below average approval rate.
Pick Rate
Approvals leading to origination84.24%
Wilmington Savings Fund Society Fsb has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $35,000 | $35,000 |
| 449.5 | 1 | $25,000 | $25,000 |
| 504.5 | 1 | $55,000 | $55,000 |
| 68.0 | 1 | $35,000 | $35,000 |
| 89.0 | 4 | $180,000 | $45,000 |
| NA | 2,162 | $455,670,000 | $210,763 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Wilmington Savings Fund Society, FSB | 1 West Lancaster Avenue Paoli, PA 19301 | Full Service B&M | $30,775 |
| Wilmington Savings Fund Society, FSB | 100 Old Forge Lane Kennett Square, PA 19348 | Full Service B&M | $65,373 |
| Wilmington Savings Fund Society, FSB | 100 University Plaza Newark, DE 19702 | Full Service B&M | $74,437 |
| Wilmington Savings Fund Society, FSB | 101 Convention Center Drive, Suite P109 Las Vegas, NV 89109 | Limited, Trust Office | $0 |
| Wilmington Savings Fund Society, FSB | 105 Irish Hill Road Felton, DE 19943 | Full Service B&M | $26,104 |
| Wilmington Savings Fund Society, FSB | 110 Town Square Place King Of Prussia, PA 19406 | Full Service B&M | $12,672 |
| Wilmington Savings Fund Society, FSB | 115 College Square Newark, DE 19711 | Full Service B&M | $96,523 |
| Wilmington Savings Fund Society, FSB | 120 West Camden-Wyoming Avenue Wyoming, DE 19934 | Full Service B&M | $49,321 |
| Wilmington Savings Fund Society, FSB | 1201 E Lancaster Avenue Downingtown, PA 19335 | Full Service B&M | $13,500 |
| Wilmington Savings Fund Society, FSB | 144 North Dupont Highway New Castle, DE 19720 | Full Service B&M | $89,969 |
| Wilmington Savings Fund Society, FSB | 145 Clinton Street Delaware City, DE 19706 | Full Service B&M | $16,414 |
| Wilmington Savings Fund Society, FSB | 1486 Forrest Avenue Dover, DE 19904 | Full Service B&M | $56,655 |
| Wilmington Savings Fund Society, FSB | 15 Freedom Blvd West Brandywine, PA 19320 | Full Service Retail | $8,553 |
| Wilmington Savings Fund Society, FSB | 153 Saxer Avenue Springfield, PA 19064 | Full Service B&M | $35,018 |
| Wilmington Savings Fund Society, FSB | 1630 Egypt Road Phoenixville, PA 19460 | Full Service B&M | $8,454 |
| Wilmington Savings Fund Society, FSB | 1700 Rocky Run Parkway Wilmington, DE 19803 | Full Service B&M | $21,725 |
| Wilmington Savings Fund Society, FSB | 1712 Foulk Road Wilmington, DE 19803 | Full Service B&M | $206,043 |
| Wilmington Savings Fund Society, FSB | 19335 Coastal Highway Rehoboth Beach, DE 19971 | Full Service B&M | $51,321 |
| Wilmington Savings Fund Society, FSB | 199 East Lancaster Avenue Malvern, PA 19355 | Full Service B&M | $48,037 |
| Wilmington Savings Fund Society, FSB | 2005 Concord Pike Wilmington, DE 19803 | Full Service B&M | $81,810 |
| Wilmington Savings Fund Society, FSB | 201 Suburban Plaza Newark, DE 19711 | Full Service B&M | $89,783 |
| Wilmington Savings Fund Society, FSB | 209 West Lancaster Avenue Devon, PA 19333 | Full Service B&M | $404,754 |
| Wilmington Savings Fund Society, FSB | 210 Font Road Uwchland, PA 19480 | Full Service B&M | $23,846 |
| Wilmington Savings Fund Society, FSB | 210 Fox Hunt Drive Bear, DE 19701 | Full Service B&M | $109,536 |
| Wilmington Savings Fund Society, FSB | 211 North Union Street Wilmington, DE 19805 | Full Service B&M | $47,694 |
| Wilmington Savings Fund Society, FSB | 22820 Sussex Highway, Sussex Common Shop Seaford, DE 19973 | Full Service B&M | $9,721 |
| Wilmington Savings Fund Society, FSB | 2400 Peoples Plaza Newark, DE 19702 | Full Service Retail | $59,219 |
| Wilmington Savings Fund Society, FSB | 25926 Plaza Drive Millsboro, DE 19966 | Full Service B&M | $49,154 |
| Wilmington Savings Fund Society, FSB | 26644 Center View Drive Millsboro, DE 19966 | Full Service B&M | $21,302 |
| Wilmington Savings Fund Society, FSB | 2724 W. Ridge Pike Trooper, PA 19403 | Full Service B&M | $40,376 |
| Wilmington Savings Fund Society, FSB | 290 South Dupont Highway Dover, DE 19901 | Full Service B&M | $39,862 |
| Wilmington Savings Fund Society, FSB | 3202 Kirkwood Highway Wilmington, DE 19808 | Full Service B&M | $112,114 |
| Wilmington Savings Fund Society, FSB | 34383 Carpenters Way Lewes, DE 19958 | Full Service B&M | $168,477 |
| Wilmington Savings Fund Society, FSB | 3590 West Chester Pike Newtown Square, PA 19073 | Full Service B&M | $25,535 |
| Wilmington Savings Fund Society, FSB | 3801 Kennett Pike, Suite C-200 Greenville, DE 19807 | Limited, Trust Office | $0 |
| Wilmington Savings Fund Society, FSB | 38394 Dupont Boulevard Strawberry Ctr #2 Selbyville, DE 19975 | Full Service B&M | $15,221 |
| Wilmington Savings Fund Society, FSB | 3908 Kennett Pike Wilmington, DE 19807 | Full Service B&M | $105,700 |
| Wilmington Savings Fund Society, FSB | 395 Wilmington-West Chester Pike Glen Mills, PA 19342 | Full Service B&M | $43,673 |
| Wilmington Savings Fund Society, FSB | 400 East Main Street Middletown, DE 19709 | Full Service B&M | $96,187 |
| Wilmington Savings Fund Society, FSB | 400 East Market Street West Chester, PA 19382 | Full Service B&M | $75,038 |
| Wilmington Savings Fund Society, FSB | 400 Jimmy Drive Smyrna, DE 19977 | Full Service B&M | $63,863 |
| Wilmington Savings Fund Society, FSB | 409 Silverside Road, Suite 100 Wilmington, DE 19809 | Limited, Administrative | $0 |
| Wilmington Savings Fund Society, FSB | 4566 South Dupont Highway Camden, DE 19934 | Full Service B&M | $46,524 |
| Wilmington Savings Fund Society, FSB | 4601 Kirkwood Highway Wilmington, DE 19808 | Full Service B&M | $94,104 |
| Wilmington Savings Fund Society, FSB | 472 Norristown Road Blue Bell, PA 19422 | Full Service B&M | $38,661 |
| Wilmington Savings Fund Society, FSB | 4730 Limestone Road Wilmington, DE 19808 | Full Service B&M | $137,631 |
| Wilmington Savings Fund Society, FSB | 500 Creek View Road, Suite 100 Newark, DE 19711 | Limited, Administrative | $0 |
| Wilmington Savings Fund Society, FSB | 500 Delaware Avenue Wilmington, DE 19801 | Full Service B&M | $1,903,299 |
| Wilmington Savings Fund Society, FSB | 500 E. Township Line Road Havertown, PA 19083 | Full Service B&M | $50,934 |
| Wilmington Savings Fund Society, FSB | 5000 West Chester Pike Newtown Square, PA 19073 | Full Service B&M | $28,093 |
| Wilmington Savings Fund Society, FSB | 501 Carr Road, Suite 100 Wilmington, DE 19809 | Limited, Trust Office | $0 |
| Wilmington Savings Fund Society, FSB | 541 Lawrence Road Broomall, PA 19008 | Full Service B&M | $63,568 |
| Wilmington Savings Fund Society, FSB | 543 N. Lewis Road Limerick, PA 19468 | Full Service B&M | $19,367 |
| Wilmington Savings Fund Society, FSB | 6274 Limestone Road Hockessin, DE 19707 | Full Service B&M | $46,429 |
| Wilmington Savings Fund Society, FSB | 688 North Dupont Boulevard Milford, DE 19963 | Full Service B&M | $18,520 |
| Wilmington Savings Fund Society, FSB | 69 Atlantic Avenue Ocean View, DE 19970 | Full Service B&M | $45,982 |
| Wilmington Savings Fund Society, FSB | 7 Commerce Street Harrington, DE 19952 | Full Service B&M | $33,565 |
| Wilmington Savings Fund Society, FSB | 7 East Baltimore Avenue Media, PA 19063 | Full Service B&M | $29,541 |
| Wilmington Savings Fund Society, FSB | 7450 Lancaster Pike Hockessin, DE 19707 | Full Service B&M | $100,470 |
| Wilmington Savings Fund Society, FSB | 9 E Baltimore Pike Lansdowne, PA 19050 | Full Service B&M | $29,060 |
| Wilmington Savings Fund Society, FSB | 925 Providence Road Secane, PA 19018 | Full Service B&M | $49,272 |
| Wilmington Savings Fund Society, FSB | 979 Baltimore Pike Glen Mills, PA 19342 | Full Service B&M | $33,095 |
| Wilmington Savings Fund Society, FSB | 9a Trolley Square Wilmington, DE 19806 | Full Service B&M | $48,876 |
For 2018, Wilmington Savings Fund Society Fsb had 63 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $292,943 |
| Net interest income | $252,143 |
| Total noninterest income | $133,999 |
| Gross Fiduciary activities income | $23,164 |
| Service charges on deposit accounts | $19,941 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $90,894 |
| Pre-tax net operating income | $146,189 |
| Securities gains (or losses, -) | $4,932 |
| Income before extraordinary items | $115,862 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $115,862 |
| Minority interest net income | $0 |
| Net income | $115,862 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $111,965 |
Wilmington Savings Fund Society Fsb's gross interest income from loans was $292,943,000.
Wilmington Savings Fund Society Fsb's net interest income from loans was $252,143,000.
Wilmington Savings Fund Society Fsb's fee based income from loans was $19,941,000.
Wilmington Savings Fund Society Fsb's net income from loans was $115,862,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $40,800 |
| Provision for credit losses | $13,170 |
| Total noninterest expense | $226,783 |
| Salaries and employee benefits | $118,681 |
| Premises and equipment expense | $31,729 |
| Additional noninterest expense | $76,373 |
| Applicable income taxes | $35,259 |
| Net charge-offs | $14,230 |
| Cash dividends | $22,000 |
Wilmington Savings Fund Society Fsb's interest expense for loans was $40,800,000.
Wilmington Savings Fund Society Fsb's payroll and benefits expense were $118,681,000.
Wilmington Savings Fund Society Fsb's property, plant and equipment expenses $31,729,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $5,678,971 |
| Deposits held in domestic offices | $5,678,971 |
| Deposits by Individuals, partnerships, and corporations | $5,250,501 |
| Deposits by U.S. Government | $12 |
| Deposits by States and political subdivisions in the U.S. | $428,458 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,267,486 |
| Demand deposits | $791,486 |
| Nontransaction accounts | $4,411,485 |
| Money market deposit accounts (MMDAs) | $1,503,156 |
| Other savings deposits (excluding MMDAs) | $2,112,746 |
| Total time deposits | $795,583 |
| Total time and savings deposits | $4,887,485 |
| Noninterest-bearing deposits | $1,636,235 |
| Interest-bearing deposits | $4,042,736 |
| Retail deposits | $5,344,306 |
| IRAs and Keogh plan accounts | $85,338 |
| Brokered deposits | $191,019 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $7,183,022 |
| Cash & Balances due from depository institutions | $616,211 |
| Interest-bearing balances | $25,875 |
| Total securities | $1,355,029 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $4,889,237 |
| Loan and leases loss allowance | $39,539 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $44,797 |
| Other real estate owned | $2,668 |
| Goodwill and other intangibles | $159,145 |
| All other assets | $115,935 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $7,183,022 |
| Total Liabilities | $6,296,495 |
| Total deposits | $5,678,971 |
| Interest-bearing deposits | $4,042,736 |
| Deposits held in domestic offices | $5,678,971 |
| % insured (estimated) | $53 |
| Federal funds purchased and repurchase agreements | $157,975 |
| Trading liabilities | $0 |
| Other borrowed funds | $376,414 |
| Subordinated debt | $0 |
| All other liabilities | $83,135 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $4,889,237 |
| Loan and leases loss allowance | $39,539 |
| Total loans and leases (domestic) | $4,928,776 |
| All real estate loans | $3,805,947 |
| Real estate loans in domestic offices | $3,805,947 |
| Construction and development loans | $320,840 |
| Residential 1-4 family construction | $32,071 |
| Other construction, all land development and other land | $288,769 |
| Loans secured by nonfarm nonresidential properties | $2,229,604 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,106,696 |
| Commercial real estate & other non-farm, non-residential | $1,122,908 |
| Multifamily residential real estate | $139,304 |
| 1-4 family residential loans | $1,068,414 |
| Farmland loans | $47,785 |
| Loans held in foreign offices | $0 |
| Farm loans | $4,807 |
| Commercial and industrial loans | $945,575 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $164,994 |
| Credit card loans | $3,637 |
| Related Plans | $16,640 |
| Consumer Auto Loans | $1,908 |
| Other loans to individuals | $142,809 |
| All other loans & leases | $14,801 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $6,097 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $14,953 |
| Non 1-4 family restructured loans & leases | $842 |
| Total loans and leases (foreign) | $0 |
Wilmington Savings Fund Society FSB had $4,889,237,000 of loans outstanding in 2018. $3,805,947,000 of loans were in real estate loans. $320,840,000 of loans were in development loans. $139,304,000 of loans were in multifamily mortgage loans. $1,068,414,000 of loans were in 1-4 family mortgage loans. $4,807,000 of loans were in farm loans. $3,637,000 of loans were in credit card loans. $1,908,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,747 | $541,666 | $310,055 |
| Nonfarm, nonresidential loans - <$100k | 159 | $8,026 | $50,478 |
| Nonfarm, nonresidential loans - $100-250k | 460 | $64,199 | $139,563 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,128 | $469,441 | $416,171 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,015 | $271,688 | $134,833 |
| Commercial & Industrial, US addressed loans - <$100k | 1,118 | $38,401 | $34,348 |
| Commercial & Industrial, US addressed loans - $100-250k | 421 | $55,399 | $131,589 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 476 | $177,888 | $373,714 |
| Farmland loans - <$1MM | 62 | $14,688 | $236,903 |
| Farmland loans - <$100k | 8 | $361 | $45,125 |
| Farmland loans - $100-250k | 25 | $4,093 | $163,720 |
| Farmland loans - $250k-1MM | 29 | $10,234 | $352,897 |
| Agriculture operations loans - <$1MM | 45 | $3,333 | $74,067 |
| Agriculture operations loans - <$100k | 34 | $1,029 | $30,265 |
| Agriculture operations loans - $100-250k | 8 | $1,371 | $171,375 |
| Agriculture operations loans - $250k-1MM | 3 | $933 | $311,000 |