The Bank of Delmarva, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The Bank of Delmarva was chartered as the Bank of Delmar December 14, 1896 by a group of businessmen and farmers. The bank opened for business on May 4, 1897 in Delmar, Maryland, then a thriving railroad town. Having celebrated its 100th anniversary in 1997, the bank remains committed to serving the local community and takes pride in knowing its customers and giving excellent customer service.

Delmar Bancorp is a financial holding company whose primary asset includes The Bank of Delmarva. The Bank of Delmarva is very proud of the fact that it has remained an independent, full-service community bank. Still locally owned, the bank policies are set by the Board of Directors.

The Bank of Delmarva operates ten full-service branch facilities: four in Salisbury, one in Delmar, one in Seaford, one in Laurel, one in Dagsboro, one in Rehoboth and one in Ocean City with ninety dedicated officers and employees. The bank surpassed $330 million in assets in 2007 and has a strong capital base and earnings. One of the Bank's primary goals is to maintain and enhance its public image as a sound, high quality, progressive, friendly place to conduct banking.

The Bank offers its customers access to their accounts 24 hours a day through Automated Teller Machines (ATMs); Point-of-Sale (POS) terminals; TeleBANC, its telephone banking service; and now through the internet banking site. Using TeleBANC customers can access their accounts for checking, savings, loan information, transfers, Certificate of Deposit rates, and other product information.

Delmar
9550 Ocean Highway
Delmar, MD 21875
410.896.9041

North Salisbury Office
2727 N. Salisbury Boulevard
Salisbury, MD 21801
410.742.9401

East Salisbury Office
241 Beaglin Park Drive
Salisbury, MD 21804
410.543.9300

Eastern Shore Drive
921 Eastern Shore Drive
Salisbury, MD 21804
410.548.1700

Pecan Square
1206 Nanticoke Road
Salisbury, MD 21801
410.546.2100

Seaford
910 Norman Eskridge Highway
Seaford, DE 19973
302.629.2700

Laurel
200 E. Market Street
Laurel, DE 19956
302.875.5901

Dagsboro
28280 Clayton Street, P.O. Box 98
Dagsboro, DE 19939
302.732.3610

Rehoboth
18572 Coastal Highway
Rehoboth Beach, DE 19971
302.226.8900

Ocean City
12505 Coastal Highway
Ocean City, MD 21842
410.250.5330

Administrative Office
2245 Northwood Drive
Salisbury, MD 21801
410.548.1100