##### 





UNITED STATES
 SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
  FORM 10-K
  X


ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
    SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended
    December 31, 2007ORTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
    SECURITIES EXCHANGE ACT OF 1934For the transition period
    from to   COMMISSION
    FILE NUMBER: 1-14659
 WILMINGTON
    TRUST CORPORATION
 (Exact name of Registrant as
    specified in its charter)
  DELAWARE

51-0328154(State or other jurisdiction of
    incorporation or organization)

(Internal Revenue Service Employer
    Identification Number)1100 North Market
    StreetWilmington, Delaware
    19890

19890(Address of principal executive
    offices)

(Zip Code)   Registrants
    telephone number, including area code:
    (302) 651-1000
 Securities registered pursuant to Section 12(b) of the
    Act:
  Title of Each Class

Name of Each Exchange on Which RegisteredCommon Stock, $1.00 Par Value

New York Stock Exchange   Securities
    registered pursuant to Section 12(g) of the
    Act: None.
  X
  X
  X
  Regulation S-K Form 10-K Form 10-K.
    Large accelerated filer X

Accelerated filer

Non-accelerated filer

Smaller reporting company(Do not check if a smaller reporting company)   Rule 12b-2  X
       Documents Incorporated by
    Reference:
 Portions of the Proxy Statement
    for our Annual Shareholders Meeting (Proxy Statement) to be held
    April 17, 2008, are incorporated by reference in
    Part III, and portions of our Annual Report to Shareholders
    for 2007 (Annual Report) are incorporated by reference in
    Parts I, II, and IV.




---



##### 





TABLE OF
    CONTENTS
  PagesPART IItem 1

Business


1Item 1A

Risk Factors


3Item 1B

Unresolved Staff Comments


4Item 2

Properties


4Item 3

Legal Proceedings


5Item 4

Submission of Matters to a Vote of Security
    Holders


5PART IIItem 5

Market for Registrants Common Stock,
    Related Stockholder Matters and Issuer Purchases of Equity
    Securities


5Item 6

Selected Financial Data


6Item 7

Managements Discussion and Analysis of
    Financial Condition and Results of Operations


6Item 7A

Qualitative and Quantitative Disclosure About
    Market Risk


6Item 8

Financial Statements and Supplemental Data


6Item 9

Changes in and Disagreements with Accountants on
    Accounting and Financial Disclosure


7Item 9A

Controls and Procedures


7Item 9B

Other Information


7PART IIIItem 10

Directors, Executive Officers, and Corporate
    Governance


7Item 11

Executive Compensation


7Item 12

Security Ownership of Certain Beneficial Owners
    and Management and Related Stockholder Matters


7Item 13

Certain Relationships and Related Transactions,
    and Director Independence


7Item 14

Principal Accountant Fees and Services


7PART IVItem 15

Exhibits and Financial Statement Schedules


7




---



##### 



PART I
  ITEM 1.
    BUSINESS  DESCRIPTION
    OF BUSINESS
          STAFF
    MEMBERS
  high-quality
  STATISTICAL
    INFORMATION
    Statistical Information

Section

PageInterest changes due to volume and rate

MD&A interest rate risk discussion


53Maturity distribution of investment securities

Note 6


87Period-end loan balances by loan category

MD&A Regional Banking discussion


16Loan loss reserve allocation for the last five years

MD&A credit risk discussion


50Loan maturities and interest rate sensitivity in the commercial
    and real estate/construction loan portfolios

MD&A Regional Banking discussion


19Risk elements in the loan portfolio

MD&A credit risk discussion


45Analysis of the loan loss provision and reserve and charge offs

MD&A credit risk discussion


46Maturity of time deposits ≥ $100,000

Note 11


92Summary of short-term borrowings

Note 12


92Funding sources by deposit type

MD&A liquidity discussion


38Returns on average assets and average equity, dividend payout
    ratio, and average equity to average assets

MD&A capital resources discussion


34Average balance sheets and analysis of net interest earnings for
    the last five years




66   SUPERVISION
    AND REGULATION




---



##### 



Safety and soundness
    Capital requirements and dividend limitations risk-weighted
    Bank Holding Company Act (BHCA)
    Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign
    Assets Control regulations (collectively, the BSA
    laws) and/or
  Privacy and information security
  Interstate Banking Act
 Page 2




---



##### 



Community Reinvestment Act (CRA)
  Fair Housing Act
  Residential mortgage usury laws
  Consumer protection laws
  
    The
    Truth-in-Lending
    Act, which mandates disclosures for certain consumer loans;
    The
    Truth-in-Savings
    Act, which mandates deposit-related disclosures;
    The Equal Credit Opportunity Act, which prohibits
    discrimination; and
    The Fair Credit Reporting Act, which, if we deny a clients
    application for credit, requires us to tell the client which
    credit bureau we used to evaluate the application, and which
    imposes rules for information sharing and pre-screened offers of
    credit.    ADDITIONAL
    INFORMATION
  Form 10-K, Form 10-Q, Form 8-K,
    (302) 651-8527
  ITEM 1A.
    RISK
    FACTORS     Page 3




---



##### 



ITEM 1B.
    UNRESOLVED
    STAFF COMMENTS    ITEM 2.
    PROPERTIES                                         Page 4




---



##### 



ITEM 3.
    LEGAL
    PROCEEDINGS    ITEM 4. SUBMISSION
    OF MATTERS TO A VOTE OF SECURITY HOLDERS
    PART II
  ITEM 5. MARKET
    FOR REGISTRANTS COMMON EQUITY, RELATED STOCKHOLDER MATTERS
    AND ISSUER PURCHASES OF EQUITY SECURITIES
    SECURITIES
    AUTHORIZED FOR ISSUANCE UNDER EQUITY COMPENSATION
    PLANS
  (c)Number of securities(a)





remaining availableNumber of securities


(b)


for futureto be issued upon


Weighted average


issuance under equityexercise of


exercise price of


compensation plansoutstanding options,


outstanding options,


(excluding securitiesPlan Category

warrants, and rights


warrants, and rights


reflected in column a)Equity compensation plans approved by security holders


6,407,101


$
35.223



2,573,880Equity compensation plans not approved by security holders










Total


6,407,101


$
35.223



2,573,880   SHARE
    REPURCHASE ACTIVITY DURING THE FOURTH QUARTER OF 2007
  Total number of shares


Maximum number ofAverage


purchased as part of


shares that may yetTotal number of shares


price paid


publicly announced


be purchased underPeriod

repurchased1


per share


plans or programs


the
    plan2October


380,000


$
36.22



380,000



4,688,669November


220,000


$
34.79



220,000



4,468,619December


833


$
34.59



833



4,467,836Total


600,833


$
35.70



600,833



4,467,836   1
    
    Includes 833 shares
    tendered for exercise of stock options and zero shares to
    cover payroll taxes on the vesting of restricted
    stock.2
    
    In April 2002, our Board of
    Directors authorized the repurchase of up to 8 million
    shares of our stock.   Page 5




---



##### 



ITEM 6.
    SELECTED
    FINANCIAL DATA  Balance
    sheet
  At year end (in millions)

2007

2006

2005

2004

2003Assets

$
11.485.7


$
11,157.0


$
10,245.4


$
9,519.1


$
8,826.7Long-term debt


267.8



388.5



400.4



408.6



407.1   Income
    statement
  For the year (in millions)

2007


2006


2005


2004


2003Interest income

$
722.2


$
674.8


$
516.6


$
386.5


$
368.8Net interest income


368.9



363.1



328.9



294.4



277.1Provision for loan losses


28.2



21.3



11.8



15.6



21.6Net income


182.0



143.8



167.0



136.9



130.9   Per-share
    data
  For the year (in dollars)

2007


2006


2005


2004


2003Net income  basic

$
2.68


$
2.10


$
2.47


$
2.05


$
1.99Net income  diluted


2.64



2.06



2.43



2.02



1.97Cash dividends declared


1.32



1.245



1.185



1.125



1.065   ITEM 7.
    MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
    AND RESULTS OF OPERATIONS.
    ITEM 7A.
    QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET
    RISK
    ITEM 8.
    FINANCIAL STATEMENTS AND SUPPLEMENTAL DATA
    Statement

PageConsolidated Statements of Condition as of December 31,
    2007, and 2006


71Consolidated Statements of Income for the years ended
    December 31, 2007, 2006, and 2005


72-73Consolidated Statements of Changes in Stockholders Equity
    for the years ended December 31, 2007, 2006, and 2005


74-75Consolidated Statements of Cash Flows for the years ended
    December 31, 2007, 2006, and 2005


76-77Notes to Consolidated Financial Statements 
    December 31, 2007, 2006, and 2005


78-111Reports of Independent Registered Public Accounting Firm


113-114Unaudited Selected Quarterly Financial Data


70  Page 6




---



##### 



ITEM 9.
    CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
    FINANCIAL DISCLOSURE
    ITEM 9A. CONTROLS
    AND PROCEDURES
    ITEM 9B. OTHER
    INFORMATION
    PART III
  ITEM 10. DIRECTORS,
    EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE
    ITEM 11. EXECUTIVE
    COMPENSATION
    ITEM 12. SECURITY
    OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND
    RELATED STOCKHOLDER MATTERS
    ITEM 13. CERTAIN
    RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR
    INDEPENDENCE
    ITEM 14. PRINCIPAL
    ACCOUNTING FEES AND SERVICES
    PART IV
  ITEM 15. EXHIBITS AND
    FINANCIAL STATEMENT SCHEDULES
      
    Free of charge on our Web site at www.wilmingtontrust.com or
    through the SECs Web site at www.sec.gov.
    By sending a written request, plus $0.20 per page for
    duplicating costs, to Investor Relations at our headquarters
    address or to IR@wilmingtontrust.com.  Page 7




---



##### 



ExhibitNumber

Exhibit3.1

Amended and Restated Certificate of Incorporation of the
    Corporation (Commission File 
    Number 1-14659)
    13.2

Amended and Restated Bylaws of the Corporation (Commission File
    Number 1-14659)
    24

Amended and Restated Rights Agreement dated as of December 16,
    2004 between Wilmington Trust Corporation and Wells Fargo Bank,
    N.A. (Commission File Number
    1-14659)
    310.1

Amended and Restated Supplemental Executive Retirement Plan
    410.2

Severance Agreement dated as of February 29, 1996 between
    Wilmington Trust Company and Ted T. Cecala (Commission File
    Number 1-14659)
    510.3

Severance Agreement dated as of February 29, 1996 between
    Wilmington Trust Company and William J. Farrell II
    (Commission File Number 1-14659)
    610.4

Severance Agreement dated as of February 29, 1996 between
    Wilmington Trust Company and David R. Gibson (Commission File
    Number 1-14659)
    710.5

Severance Agreement dated as of February 29, 1996 between
    Wilmington Trust Company and Robert V.A. Harra Jr. (Commission
    File Number 1-14659)
    810.6

Severance Agreement dated as of February 22, 2006 between
    Wilmington Trust Company and Michael A. DiGregorio
    910.7

Severance Agreement dated as of February 13, 2007 between
    Wilmington Trust Company and Kevyn N. Rakowski
    1010.8

Severance Agreement dated as of February 22, 2006 between
    Wilmington Trust Investment Management, LLC and Robert M.
    Balentine
    410.9

Severance Agreement dated as of December 19, 2000 between
    Wilmington Trust of Pennsylvania and Mark A. Graham
    410.10

Amendment No. 1 to Severance Agreement dated as of December 19,
    2000 between Wilmington Trust Company and Ted T. Cecala
    (Commission File Number 1-14659)
    1110.11

Amendment No. 1 to Severance Agreement dated as of December 19,
    2000 between Wilmington Trust Company and William J.
    Farrell II (Commission File Number 1-14659)
    1210.12

Amendment No. 1 to Severance Agreement dated as of December 19,
    2000 between Wilmington Trust Company and David R. Gibson
    (Commission File Number 1-14659)
    1310.13

Amendment No. 1 to Severance Agreement dated as of December 19,
    2000 between Wilmington Trust Company and Robert V.A. Harra Jr.
    (Commission File Number 1-14659)
    1410.14

Amended 2004 Employee Stock Purchase Plan
    410.15

1996 Long-Term Incentive Plan (Commission File Number 1-14659)
    1510.16

1999 Long-Term Incentive Plan (Commission File Number 1-14659)
    1610.17

Amended and Restated 2002 Long-Term Incentive Plan of Wilmington
    Trust Corporation (Commission File Number 1-14659)
    1710.18

2001 Non-Employee Directors Stock Option Plan (Commission
    File Number
    1-14659)1810.19

Amended Executive Incentive Plan (Commission File Number
    1-14659)
    1910.20

2004 Executive Incentive Plan (Commission File Number 1-14659)
    2010.21

Amended and Restated 2005 Long-Term Incentive Plan
    410.22

Amended and Restated Limited Liability Company Agreement of
    Cramer Rosenthal McGlynn, LLC dated as of January 1, 2001
    (Commission File Number 1-14659)
    2110.23

Amendment to the Amended and Restated Limited Liability Company
    Agreement of Cramer Rosenthal McGlynn, LLC dated March 15, 2002
    (Commission File Number 1-14659)
    2210.24

Amendment to the Amended and Restated Limited Liability Company
    Agreement of Cramer Rosenthal McGlynn, LLC dated June 28, 2002
    (Commission File Number 1-14659)
    2310.25

Second Amended and Restated Limited Liability Company Agreement
    of Roxbury Capital Management, LLC dated as of August 1, 2003
    (Commission File Number 1-14659)
    2410.26

Limited Liability Company Interest Purchase Agreement dated as
    of April 2, 2004 among Grant, Tani, Barash & Altman, Inc.,
    Warren Grant, Jane Tani, Corey Barash, Howard Altman and GTBA
    Holdings, Inc. (Commission File Number 1-14659)
    25 Page 8




---



##### 



ExhibitNumber

Exhibit10.27

Amended and Restated Limited Liability Company Agreement of
    Grant Tani Barash & Altman, LLC dated as of October 1, 2004
    among Grant, Tani, Barash & Altman, Inc., GTBA Holdings,
    Inc., Warren Grant, Jane Tani, Corey Barash, and Howard Altman
    (Commission File Number 1-14659)
    2610.28

Stock Purchase Agreement dated as of January 30, 2008 among
    Michael Karfunkel and Leah Karfunkel, as Trustees for the 2005
    Michael Karfunkel Grantor Retained Annuity Trust, George
    Karfunkel, Renee Karfunkel, Leah Karfunkel, Michael Karfunkel,
    AST Capital Trust Company of Delaware, and Wilmington Trust FSB
    410.29

Form of Stock Option Agreement
    2710.30

Form of Restricted Stock Agreement (Commission File Number
    1-14659)
    2810.31

Form of Restricted Stock Unit Agreement (Commission File Number
    1-14659)
    2910.32

Subordinated Note of Wilmington Trust Corporation to Cede &
    Co. dated May 4, 1998 (Commission File Number 1-14659)
    3010.33

Subordinated Note of Wilmington Trust Corporation to Cede &
    Co. dated April 4, 2003 (Commission File Number 1-14659)
    3113

Annual Report to Shareholders
    421

Subsidiaries of Wilmington Trust Corporation
    423

Consent of KPMG LLP
    431(i) and (ii)

Rule 13a-14(a)/15d-14(a) Certifications
    432

Section 1350 Certifications
    4     1
    
    Incorporated by reference to Exhibit 3(a) to the Report on
    Form S-8
    of Wilmington Trust Corporation filed on October 31,
    1991.2
    
    Incorporated by reference to Exhibit 1 to the Current
    Report on
    Form 8-K
    of Wilmington Trust Corporation filed on December 22,
    2004.3
    
    Incorporated by reference to Exhibit 1 to the
    Form 8-A/A
    of Wilmington Trust Corporation filed on December 16,
    2004.4
    
    Filed herewith.5
    
    Incorporated by reference to Exhibit 10(i) to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 30, 1996.6
    
    Incorporated by reference to Exhibit 10(l) to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 30, 1996.7
    
    Incorporated by reference to Exhibit 10(m) to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 30, 1996.8
    
    Incorporated by reference to Exhibit 10(n) to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 30, 1996.9
    
    Incorporated by reference to Exhibit 10.7 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 1, 2007.10
    
    Incorporated by reference to Exhibit 10.8 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 1, 2007.11
    
    Incorporated by reference to Exhibit 10.18 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on April 2, 2001.12
    
    Incorporated by reference to Exhibit 10.21 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on April 2, 2001.13
    
    Incorporated by reference to Exhibit 10.22 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on April 2, 2001. Page 9




---



##### 



14
    
    Incorporated by reference to Exhibit 10.23 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on April 2, 2001.15
    
    Incorporated by reference to Exhibit 4.6 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 27, 1997.16
    
    Incorporated by reference to Exhibit A to the Proxy
    Statement of Wilmington Trust Corporation filed on
    March 31, 1999.17
    
    Incorporated by reference to Exhibit 10.64 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on November 9,
    2004.18
    
    Incorporated by reference to Exhibit 4.9 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on April 2, 2001.19
    
    Incorporated by reference to Exhibit 10.45 to the Annual
    Report on Form
    10-K of
    Wilmington Trust Corporation filed on March 15, 2004.20
    
    Incorporated by reference to Exhibit 10.61 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on August 9,
    2004.21
    
    Incorporated by reference to Exhibit 10.44 to the Quarterly
    Report on
    Form 10-Q/A
    of Wilmington Trust Corporation filed on March 25,
    2003.22
    
    Incorporated by reference to Exhibit 10.45 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on August 14,
    2002.23
    
    Incorporated by reference to Exhibit 10.46 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on August 14,
    2002.24
    
    Incorporated by reference to Exhibit 10.53 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 15, 2004.25
    
    Incorporated by reference to Exhibit 10.59 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on May 10, 2004.26
    
    Incorporated by reference to Exhibit 10.63 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on November 9,
    2004.27
    
    Incorporated by reference to Exhibit 10.65 to the Current
    Report on Form
    8-K of
    Wilmington Trust  Corporation filed on December 19,
    2005.28
    
    Incorporated by reference to Exhibit 10.66 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on November 9,
    2004.29
    
    Incorporated by reference to Exhibit 10.67 to the Quarterly
    Report on
    Form 10-Q
    of Wilmington Trust  Corporation filed on November 9,
    2004.30
    
    Incorporated by reference to Exhibit 10.36 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 15, 2005.31
    
    Incorporated by reference to Exhibit 10.37 to the Annual
    Report on Form
    10-K of
    Wilmington Trust  Corporation filed on March 15, 2005. Page 10




---



##### 



SIGNATURES
    WILMINGTON TRUST CORPORATIONFebruary 28, 2008

By: /s/ Ted T. CecalaTED T. CECALA, Director, Chairman of the Board and Chief
    Executive Officer        /s/ Ted T. CecalaTED T. CECALA, Director, Chairman of the Board and Chief Executive Officer

/s/ Gailen KrugGAILEN KRUG, Director/s/ Robert V.A. Harra Jr.ROBERT V.A. HARRA JR., Director, President, and Chief Operating Officer

REX L. MEARS, Director/s/ David R. GibsonDAVID R. GIBSON, Executive Vice President and Chief Financial Officer

/s/ Stacey J. MobleySTACEY J. MOBLEY, Director/s/ Kevyn N. RakowskiKEVYN N. RAKOWSKI, Senior Vice President and Controller

/s/ Michele M. RollinsMICHELE M. ROLLINS, Director/s/ Carolyn S. BurgerCAROLYN S. BURGER, Director

/s/ David P. RoselleDAVID P. ROSELLE, Director/s/ Thomas L. duPontTHOMAS L. DUPONT, Director

/s/ Oliver R. SockwellOLIVER R. SOCKWELL, Director/s/ R. Keith ElliottR. KEITH ELLIOTT, Director

/s/ Robert W. Tunnell Jr.ROBERT W. TUNNELL JR., Director/s/ Donald E. FoleyDONALD E. FOLEY, Director

/s/ Susan D. WhitingSUSAN D. WHITING, Director  Page 11