Fidelity Bank & Trust in Dubuque, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Fidelity Bank & Trust - Overview

  • General
  • FDIC Certificate #: 14382
    Status: Active
    Federal Reserve ID: 939249
    Bank Holding Company (Regulatory Top Holder): Fidelity Company (RSSDID: 1203778, Location: Dubuque, IA)
    Date Established: April 20, 1910
    WWW: http://www.bankfidelity.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    OTS Docket #: 10560
    FDIC's unique #: 8987
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 19, 1934
    Last Structure Change Effective Date: July 16, 2011
    Last Structure Change Process Date: July 27, 2011
    Last Data Update: July 27, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4250 Asbury Road, Dubuque, IA 52002
    County: Dubuque
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Dubuque, IA (#2200)
    Core Based Statistical Area (CBSA): Dubuque, IA (#20220)
    CBSA Metro Statistical Area: Dubuque, IA (#20220)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $560.1 mil
    Equity capital: $65.3 mil
    Deposits held in domestic offices: $452.8 mil
    Return on assets (ROA): 0.86% ($4.8 mil)
    Quarterly return on assets: 0.84% ($4.7 mil)
    Return on Equity (ROE): 7.66% ($5.0 mil)
    Quarterly return on equity: 7.25% ($4.7 mil)
    Net income: $4.9 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.32% ($7,392.7 mil)
    Quarterly Pretax return on assets: 1.26% ($7,056.7 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
  • 127Total employees (full-time equivalent)
  • $560,055Total assets
  • $70,523Cash and due from depository institutions
  • $58,269Interest-bearing balances
  • $59,595Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $396,829Net loans & leases
  • $6,038Loan loss allowance
  • $0Trading account assets
  • $8,748Bank premises and fixed assets
  • $1,721Other real estate owned
  • $11,711Goodwill and other intangibles
  • $560,055Life insurance assets
  • $9,928All other assets
  • $494,765Total liabilities and capital
  • $452,776Total liabilities
  • $398,092Total deposits
  • $452,776Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 19339.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,170Trading liabilities
  • $0Other borrowed funds
  • $1,480Subordinated debt
  • $65,290All other liabilities
  • $65,290Total equity capital
  • $65,290Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $38,458Surplus
  • $26,632Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,601Income earned, not collected on loans
  • $708Earning assets
  • $3,443Long-term assets (5+ years)
  • $515,693Average Assets, year-to-date
  • $70,870Average Assets, quarterly
  • $566,590Volatile liabilities
  • $556,681Insider loans
  • $414,222FHLB advances
  • $553,939Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $53,331Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,349Restructured Loans and leases
  • $716Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,459Total interest income
  • $6,630Total interest expense
  • $19,829Net interest income
  • $1,550Provision for loan and lease losses
  • $1,983Total noninterest income
  • $10Fiduciary activities
  • $1,049Service charges on deposit accounts
  • $0Trading account gains & fees
  • $924Additional noninterest income
  • $12,790Total noninterest expense
  • $6,631Salaries and employee benefits
  • $1,763Premises and equipment expense
  • $4,396Additional noninterest expense
  • $7,472Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,603Applicable income taxes
  • $4,869Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,869Net income attributable to bank
  • $0Net charge-offs
  • $4,869Cash dividends
  • $1,298Sale, conversion, retirement of capital stock, net
  • $2,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 7.66%Return on equity (ROE)
  • 3.73%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 119.41%Credit loss provision to net charge-offs
  • 6.95%Efficiency ratio
  • 58,239Assets per employee
  • 4.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.35%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 91.47%Noncurrent assets plus other real estate owned to assets
  • 1.49%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 87.64%Net loans and leases to core deposits
  • 90.91%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 9.63%Tier 1 risk-based capital ratio
  • 12.87%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $566,590Average earning assets
  • $63,529Average equity
  • $521,498Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,810Managed Assets
  • 1Number of Accounts
  • $4,810Personal trust and agency accounts
  • $4,810Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 15Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 18 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08987Fidelity Bank & Trust4250 Asbury Road, Dubuque, IA 52002April 20, 1910Full Service Brick and Mortar
    1231408Luxemburg BranchMain Street, Luxemburg, IA 52056December 28, 1964Full Service Brick and Mortar
    2231409Stone Creek Shopping Center Branch1611 Eighth Street, Se, Dyersville, IA 52040October 03, 1983Limited Service Facility
    456983Guttenberg BranchHighway 52 And Herder Street, Guttenberg, IA 52052August 19, 1996Full Service Brick and Mortar
    6362207Oelwein Branch201 South Frederick Avenue, Oelwein, IA 50662July 20, 2001Full Service Brick and Mortar
    7477901Dyersville Branch208 2nd Street, Se, Dyersville, IA 52040June 28, 2008Full Service Brick and Mortar
    89819Worthington Branch110 First Avenue West, Worthington, IA 52078August 07, 1937Full Service Brick and Mortar
    9234466Peosta Branch200 Peosta Road, Peosta, IA 52068May 23, 1996Full Service Brick and Mortar
    10430793Epworth Branch102 Bierman Rd, Epworth, IA 52045June 14, 2004Full Service Brick and Mortar
    113980Waukon Branch820 11th Avenue, Sw, Waukon, IA 52172July 10, 1891Full Service Brick and Mortar
    12358568Postville Branch100 North Lawler, Postville, IA 52162July 10, 2000Full Service Brick and Mortar
    13466372Decorah Branch801 Mechanic Street, Decorah, IA 52101September 05, 2006Full Service Brick and Mortar
    1461206Bellevue Branch300 North 2nd Street, Bellevue, IA 52031Febuary 21, 1998Full Service Brick and Mortar
    15221896Lamotte BranchMain And Pine Streets, Lamotte, IA 52054June 03, 1935Full Service Brick and Mortar
    16419447Maquoketa Branch18298 Highway 64, Maquoketa, IA 52060September 30, 2002Full Service Brick and Mortar
    179185Security State Bank Branch107 South Garnavillo Street, Anamosa, IA 52205April 01, 1886Full Service Brick and Mortar
    18231947Cascade Branch1550 First Avenue East, Cascade, IA 52033March 30, 1992Full Service Brick and Mortar
    19364309Monticello Branch424 Oak Street, Monticello, IA 52310June 03, 2002Full Service Brick and Mortar

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