Fidelity Bank in Atlanta, Georgia (GA), FL
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Bank - Overview

  • General
  • FDIC Certificate #: 21440
    Status: Active
    Federal Reserve ID: 598534
    Bank Holding Company (Regulatory Top Holder): Fidelity Southern Corporation (RSSDID: 1081118, Location: Atlanta, GA)
    Date Established: Febuary 12, 1974
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 31 (Domestic: 30, Interstate: Yes)
    OTS Docket #: 9286
    FDIC's unique #: 14825
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 12, 1974
    Last Structure Change Effective Date: October 21, 2011
    Last Structure Change Process Date: October 24, 2011
    Last Data Update: October 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3490 Piedmont Road Ne, Atlanta, GA 30305
    County: Fulton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,231.8 mil
    Equity capital: $205.0 mil
    Deposits held in domestic offices: $1,889.9 mil
    Return on assets (ROA): 0.66% ($14.7 mil)
    Quarterly return on assets: 0.81% ($18.1 mil)
    Return on Equity (ROE): 6.99% ($14.3 mil)
    Quarterly return on equity: 8.63% ($17.7 mil)
    Net income: $13.7 mil
    Quarterly Net income: $4.4 mil
    Pretax return on assets: 0.98% ($21,871.4 mil)
    Quarterly Pretax return on assets: 1.23% ($27,450.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 626Total employees (full-time equivalent)
  • $2,231,779Total assets
  • $54,873Cash and due from depository institutions
  • $17,869Interest-bearing balances
  • $270,295Securities
  • $2,411Federal funds sold & reverse repurchase agreements
  • $1,729,764Net loans & leases
  • $27,956Loan loss allowance
  • $0Trading account assets
  • $28,800Bank premises and fixed assets
  • $30,157Other real estate owned
  • $19,981Goodwill and other intangibles
  • $2,231,779Life insurance assets
  • $95,498All other assets
  • $2,026,745Total liabilities and capital
  • $1,889,860Total liabilities
  • $1,618,880Total deposits
  • $1,889,860Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 18581.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $87,000Trading liabilities
  • $10,000Other borrowed funds
  • $21,304Subordinated debt
  • $205,034All other liabilities
  • $205,034Total equity capital
  • $205,034Total bank equity capital
  • $16,000Perpetual preferred stock
  • $1,544Common stock
  • $109,379Surplus
  • $78,111Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $133,849Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $71,386Income earned, not collected on loans
  • $5,835Earning assets
  • $9,015Long-term assets (5+ years)
  • $2,020,339Average Assets, year-to-date
  • $779,365Average Assets, quarterly
  • $2,063,284Volatile liabilities
  • $2,169,071Insider loans
  • $1,821,229FHLB advances
  • $2,192,837Loans and leases held for sale
  • $31,490Unused loan commitments
  • $31,490Tier 1 (core) risk-based capital
  • $199,056Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $204,507Restructured Loans and leases
  • $6,243Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $92,899Total interest income
  • $18,765Total interest expense
  • $74,134Net interest income
  • $20,325Provision for loan and lease losses
  • $51,119Total noninterest income
  • $0Fiduciary activities
  • $4,133Service charges on deposit accounts
  • $0Trading account gains & fees
  • $46,986Additional noninterest income
  • $85,728Total noninterest expense
  • $47,525Salaries and employee benefits
  • $7,644Premises and equipment expense
  • $30,559Additional noninterest expense
  • $19,200Pre-tax net operating income
  • $1,078Securities gains (losses)
  • $6,590Applicable income taxes
  • $13,688Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,688Net income attributable to bank
  • $0Net charge-offs
  • $13,688Cash dividends
  • $20,451Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.91%Net interest margin
  • 2.70%Noninterest income to earning assets
  • 4.53%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 6.99%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • 1.26%Net charge-offs to loans
  • 99.38%Credit loss provision to net charge-offs
  • 1.93%Efficiency ratio
  • 68,444Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 39.16%Noncurrent assets plus other real estate owned to assets
  • 4.55%Noncurrent loans to loans
  • 4.06%Net loans and leases to deposits
  • 91.53%Net loans and leases to core deposits
  • 97.40%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 10.93%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,063,284Average earning assets
  • $195,845Average equity
  • $1,894,054Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    24464809Jacksonville Branch9802 Baymeadows Road, Jacksonville, FL 32256June 04, 2007Full Service Brick and Mortar
  • 30 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014825Fidelity Bank3490 Piedmont Road Ne, Atlanta, GA 30305Febuary 12, 1974Full Service Brick and Mortar
    1252875Northlake Branch2255 Northlake Parkway, Tucker, GA 30084Febuary 26, 1979Full Service Brick and Mortar
    2252876Peachtree Center Branch260 Peachtree Street, N.E., Atlanta, GA 30303January 19, 1981Full Service Brick and Mortar
    3252877Sandy Springs Branch225 Sandy Springs Circle, Sandy Springs, GA 30328December 03, 1982Full Service Brick and Mortar
    5252879Buckhead Branch3490 Piedmont Road, Atlanta, GA 30305November 17, 1984Full Service Brick and Mortar
    6252880Dunwoody Branch1425 Dunwoody Village Parkway, Dunwoody, GA 30338November 14, 1985Full Service Brick and Mortar
    7252881Roswell-Crabapple Branch10920 Crabapple Road, Roswell, GA 30075October 04, 1989Full Service Brick and Mortar
    8284048Terrell Mill Branch1642 Powers Ferry Road, Suite 230, Marietta, GA 30067August 01, 1961Full Service Brick and Mortar
    9282699Vinings Branch3020 Paces Mill Road Suite 150, Atlanta, GA 30339June 30, 1988Full Service Brick and Mortar
    10252882Perimeter Center Branch2 Perimeter Center East, N.E., Atlanta, GA 30346July 11, 1994Full Service Brick and Mortar
    11252883Merchants Walk Branch1223 Johnson Ferry Road, Marietta, GA 30068May 31, 1994Full Service Brick and Mortar
    12252884Roswell Branch1325 Hembree Road, Roswell, GA 30076July 25, 1994Full Service Brick and Mortar
    13252885Toco Hill Branch2936 North Druid Hills Road, Atlanta, GA 30329January 15, 1996Full Service Brick and Mortar
    14252886Canton Road Branch830 Old Piedmont Road, Marietta, GA 30066March 04, 1996Full Service Brick and Mortar
    15252887Decatur Branch160 Clairemont Avenue, Decatur, GA 30030April 01, 1996Full Service Brick and Mortar
    16252888Lawrenceville/Grayson Branch415 Grayson Highway, Lawrenceville, GA 30045June 21, 1996Full Service Brick and Mortar
    17252889Telephone Banking Services Branch3 Corporate Square, Atlanta, GA 30329August 08, 1996Full Service Cyber
    18252890Southlake Branch1267 Southlake Circle, Morrow, GA 30260June 08, 1998Full Service Brick and Mortar
    19252891Perimeter Center West Branch135 Perimeter Center West, Atlanta, GA 30346June 08, 1998Full Service Brick and Mortar
    20252892West Lawrenceville Branch2080 Riverside Parkway, Lawrenceville, GA 30043June 08, 1998Full Service Brick and Mortar
    21451614Sugarloaf Branch1115 Old Peachtree Road, N.W., Suwanee, GA 30024May 10, 2006Full Service Brick and Mortar
    22455254Conyers Branch1955 Ga Highway 138 North, Conyers, GA 30013September 25, 2006Full Service Brick and Mortar
    23462465Newnan Crossing Shopping Center Bran102 Newnan Crossing Bypass, Newnan, GA 30265April 04, 2007Full Service Brick and Mortar
    25478963Winder Branch20 West May Street, Winder, GA 30680July 18, 2007Full Service Brick and Mortar
    26521337Mcdonough Highway 20 Branch1375 Highwy 20 W, Mcdonough, GA 30253July 11, 2011Full Service Brick and Mortar
    28358007Clairmont Place Branch2100 Clairmont Lake, Decatur, GA 30033August 01, 2000Limited Service Mobile
    30445450Wal-Mart Store #13631681 Eatonon Road, Madison, GA 30650July 20, 2005Full Service Retail
    31446290Park Place1010 Park Place, Greensboro, GA 30642December 14, 2005Full Service Brick and Mortar
    32526396Commerce Drive Branch1120 Commerce Drive, Decatur, GA 30030October 22, 2011Full Service Brick and Mortar
    33528453Johns Creek Branch10905 Jones Bridge Road, Johns Creek, GA 30022Febuary 13, 2012Full Service Brick and Mortar

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