Fidelity Bank in Baton Rouge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 54Total employees (full-time equivalent)
  • $139,495Total assets
  • $10,560Cash and due from depository institutions
  • $6,609Interest-bearing balances
  • $21,535Securities
  • $3,425Federal funds sold & reverse repurchase agreements
  • $92,326Net loans & leases
  • $2,254Loan loss allowance
  • $0Trading account assets
  • $4,843Bank premises and fixed assets
  • $1,047Other real estate owned
  • $224Goodwill and other intangibles
  • $139,495Life insurance assets
  • $5,535All other assets
  • $124,910Total liabilities and capital
  • $119,028Total liabilities
  • $101,106Total deposits
  • $119,028Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $382Subordinated debt
  • $14,585All other liabilities
  • $14,585Total equity capital
  • $14,585Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $14,276Surplus
  • $-1,191Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $569Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,747Income earned, not collected on loans
  • $0Earning assets
  • $381Long-term assets (5+ years)
  • $123,895Average Assets, year-to-date
  • $30,281Average Assets, quarterly
  • $146,800Volatile liabilities
  • $140,175Insider loans
  • $106,558FHLB advances
  • $142,444Loans and leases held for sale
  • $2,681Unused loan commitments
  • $2,681Tier 1 (core) risk-based capital
  • $14,065Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,017Restructured Loans and leases
  • $999Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,359Total interest income
  • $1,457Total interest expense
  • $5,902Net interest income
  • $981Provision for loan and lease losses
  • $972Total noninterest income
  • $0Fiduciary activities
  • $583Service charges on deposit accounts
  • $0Trading account gains & fees
  • $389Additional noninterest income
  • $6,293Total noninterest expense
  • $2,976Salaries and employee benefits
  • $1,036Premises and equipment expense
  • $2,281Additional noninterest expense
  • -$400Pre-tax net operating income
  • $301Securities gains (losses)
  • $0Applicable income taxes
  • -$99Income before extraordinary items
  • $0Extraordinary gains - net
  • -$99Net income attributable to bank
  • $0Net charge-offs
  • -$99Cash dividends
  • $718Sale, conversion, retirement of capital stock, net
  • $328Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 4.79%Noninterest expense to earning assets
  • -0.27%Net operating income to assets
  • -0.07%Return on assets (ROA)
  • -0.07%Pretax return on assets
  • -0.66%Return on equity (ROE)
  • -2.85%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 136.63%Credit loss provision to net charge-offs
  • 0.81%Efficiency ratio
  • 91,548Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -331.31%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 39.22%Noncurrent assets plus other real estate owned to assets
  • 4.87%Noncurrent loans to loans
  • 6.08%Net loans and leases to deposits
  • 77.57%Net loans and leases to core deposits
  • 81.79%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $146,800Average earning assets
  • $14,959Average equity
  • $131,365Average loans

List of branches

  • 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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