Fidelity Bank in city_name, state_name - Detailed Financial Reports, Location

Fidelity Bank in Wichita Falls, Texas (TX)
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Fidelity Bank routing number info

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
WWW: http://www.fidelitybankwf.com
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

No	ID	Name	Address	Established	Service Type
0	418630	Fidelity Bank	2525 Kell Boulevard, Suite 100, Wichita Falls, TX 76308	September 09, 2003	Full Service Brick and Mortar
1	443990	Burkburnett Branch	301 South Avenue D, Burkburnett, TX 76354	August 23, 2005	Full Service Brick and Mortar
2	457501	Wichita Falls Downtown Branch	909 8th Street, Suite 101, Wichita Falls, TX 76308	September 27, 2006	Full Service Brick and Mortar

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

Fidelity Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Fidelity Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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