Fidelity Bank in Wichita Falls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Bank - Overview

  • General
  • FDIC Certificate #: 57621
    Status: Active
    Federal Reserve ID: 3202962
    Bank Holding Company (Regulatory Top Holder): Fb Bancshares, Inc. (RSSDID: 3641002, Location: Wichita Falls, TX)
    Date Established: September 09, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 418630
    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: September 09, 2003
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2525 Kell Boulevard, Suite 100, Wichita Falls, TX 76308
    County: Wichita
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Wichita Falls, TX (#9080)
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $248.1 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $225.2 mil
    Return on assets (ROA): 0.94% ($2.3 mil)
    Quarterly return on assets: 1.07% ($2.7 mil)
    Return on Equity (ROE): 9.94% ($2.2 mil)
    Quarterly return on equity: 11.70% ($2.6 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.33% ($3,300.1 mil)
    Quarterly Pretax return on assets: 1.54% ($3,821.2 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
  • 41Total employees (full-time equivalent)
  • $248,128Total assets
  • $56,278Cash and due from depository institutions
  • $50,576Interest-bearing balances
  • $7,336Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $173,131Net loans & leases
  • $2,822Loan loss allowance
  • $0Trading account assets
  • $2,159Bank premises and fixed assets
  • $2,081Other real estate owned
  • $0Goodwill and other intangibles
  • $248,128Life insurance assets
  • $7,143All other assets
  • $225,942Total liabilities and capital
  • $225,241Total liabilities
  • $146,868Total deposits
  • $225,241Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $701Subordinated debt
  • $22,186All other liabilities
  • $22,186Total equity capital
  • $22,186Total bank equity capital
  • $0Perpetual preferred stock
  • $5,017Common stock
  • $6,527Surplus
  • $10,642Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $675Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,587Income earned, not collected on loans
  • $54Earning assets
  • $732Long-term assets (5+ years)
  • $231,043Average Assets, year-to-date
  • $18,826Average Assets, quarterly
  • $222,861Volatile liabilities
  • $239,946Insider loans
  • $185,423FHLB advances
  • $245,006Loans and leases held for sale
  • $5,052Unused loan commitments
  • $5,052Tier 1 (core) risk-based capital
  • $22,112Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,723Restructured Loans and leases
  • $7,133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,545Total interest income
  • $1,204Total interest expense
  • $8,341Net interest income
  • $725Provision for loan and lease losses
  • $870Total noninterest income
  • $0Fiduciary activities
  • $415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $455Additional noninterest income
  • $5,519Total noninterest expense
  • $3,286Salaries and employee benefits
  • $505Premises and equipment expense
  • $1,728Additional noninterest expense
  • $2,967Pre-tax net operating income
  • $0Securities gains (losses)
  • $875Applicable income taxes
  • $2,092Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,092Net income attributable to bank
  • $0Net charge-offs
  • $2,092Cash dividends
  • $103Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 9.94%Return on equity (ROE)
  • 9.94%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 703.88%Credit loss provision to net charge-offs
  • 35.84%Efficiency ratio
  • 59,917Assets per employee
  • 6.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 177.82%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 76.86%Net loans and leases to core deposits
  • 82.84%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 11.93%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $222,861Average earning assets
  • $21,056Average equity
  • $206,637Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0418630Fidelity Bank2525 Kell Boulevard, Suite 100, Wichita Falls, TX 76308September 09, 2003Full Service Brick and Mortar
    1443990Burkburnett Branch301 South Avenue D, Burkburnett, TX 76354August 23, 2005Full Service Brick and Mortar
    2457501Wichita Falls Downtown Branch909 8th Street, Suite 101, Wichita Falls, TX 76308September 27, 2006Full Service Brick and Mortar

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