Fidelity Bank in Baton Rouge, Louisiana (LA)

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Fidelity Bank
GeneralFDIC Certificate #: 32511
Status: Active
Federal Reserve ID: 261070
Bank Holding Company (Regulatory Top Holder): Fidelity Bancorp, Inc. (RSSDID: 2435437, Location: Baton Rouge, LA)
Date Established: December 09, 1986
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 8360
FDIC's unique #: 45345
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 09, 1986
Last Structure Change Effective Date: January 27, 2011
Last Structure Change Process Date: January 27, 2011
Last Data Update: January 27, 2011
Data Source Date: April 05, 2012
LocationAddress: 9400 Old Hammond Highway, Baton Rouge, LA 70898
County: East Baton Rouge
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
Financial SummaryTotal assets: $139.5 mil
Equity capital: $14.6 mil
Deposits held in domestic offices: $119.0 mil
Return on assets (ROA): -0.07% (-$0.1 mil)
Quarterly return on assets: -1.42% (-$2.0 mil)
Return on Equity (ROE): -0.66% (-$0.1 mil)
Quarterly return on equity: -13.19% (-$2.0 mil)
Net income: -$0.1 mil
Quarterly Net income: -$0.5 mil
Pretax return on assets: -0.07% (-$97.6 mil)
Quarterly Pretax return on assets: -1.42% (-$1,980.8 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)
Total employees (full-time equivalent)54
Total assets$139,495
Cash and due from depository institutions$10,560
Interest-bearing balances$6,609
Federal funds sold & reverse repurchase agreements$3,425
Net loans & leases$92,326
Loan loss allowance $2,254
Trading account assets$0
Bank premises and fixed assets$4,843
Other real estate owned$1,047
Goodwill and other intangibles$224
All other assets$5,535
Life insurance assets$139,495
Total liabilities and capital$124,910
Total liabilities$119,028
Total deposits$101,106
Interest-bearing deposits$119,028
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,500
Other borrowed funds $0
Subordinated debt $382
All other liabilities $14,585
Total equity capital$14,585
Total bank equity capital$14,585
Perpetual preferred stock$0
Common stock$1,500
Undivided profits $-1,191
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $569
Income earned, not collected on loans $5,747
Earning assets $0
Long-term assets (5+ years) $381
Average Assets, year-to-date $123,895
Average Assets, quarterly $30,281
Volatile liabilities $146,800
Insider loans $140,175
FHLB advances $106,558
Loans and leases held for sale $142,444
Unused loan commitments $2,681
Tier 1 (core) risk-based capital $2,681
Tier 2 risk-based capital $14,065
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,017
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,359
Total interest expense $1,457
Net interest income $5,902
Provision for loan and lease losses $981
Total noninterest income $972
Fiduciary activities $0
Service charges on deposit accounts $583
Trading account gains & fees $0
Additional noninterest income $389
Total noninterest expense $6,293
Salaries and employee benefits $2,976
Premises and equipment expense $1,036
Additional noninterest expense $2,281
Pre-tax net operating income -$400
Securities gains (losses) $301
Applicable income taxes $0
Income before extraordinary items -$99
Extraordinary gains - net $0
Net income attributable to bank -$99
Net charge-offs $0
Cash dividends -$99
Sale, conversion, retirement of capital stock, net $718
Net operating income $328
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.60%
Cost of funding earning assets 1.11%
Net interest margin 4.49%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 4.79%
Net operating income to assets -0.27%
Return on assets (ROA) -0.07%
Pretax return on assets -0.07%
Return on equity (ROE) -0.66%
Retained earnings to average equity (YTD only) -2.85%
Net charge-offs to loans 0.73%
Credit loss provision to net charge-offs 136.63%
Efficiency ratio0.81%
Assets per employee$91,548
Cash dividends to net income (YTD only)2.58%
Condition Ratios (%)
Loss allowance to loans -331.31%
Loss allowance to noncurrent loans 2.38%
Noncurrent assets plus other real estate owned to assets 39.22%
Noncurrent loans to loans 4.87%
Net loans and leases to deposits6.08%
Net loans and leases to core deposits 77.57%
Equity capital to assets 81.79%
Core capital (leverage) ratio 10.46%
Tier 1 risk-based capital ratio 9.87%
Total risk-based capital ratio 13.20%
Average assets$14
Average earning assets$146,800
Average equity $14,959
Average loans $131,365
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5 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045345Fidelity Bank9400 Old Hammond Highway, Baton Rouge, LA 70898December 09, 1986Full Service Brick and Mortar
102418751Central Branch Of Fidelity Bank And14545 Wax Road, Baton Rouge, LA 70818April 15, 2003Full Service Brick and Mortar
103424200Jones Creek Branch5350 Jones Creek Road, Baton Rouge, LA 70817December 22, 2003Full Service Brick and Mortar
104452118Perkins Road Branch9655 Perkins Road, Suite G, Baton Rouge, LA 70810June 27, 2006Full Service Brick and Mortar
105469630Dutchtown Branch12509 Highway 73, Geismar, LA 70734August 07, 2007Full Service Brick and Mortar
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