Fidelity Bank of Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Bank of Texas - Overview

  • General
  • FDIC Certificate #: 21455
    Status: Active
    Federal Reserve ID: 741068
    Bank Holding Company (Regulatory Top Holder): Fidelity Bancshares, Inc. (RSSDID: 1108501, Location: Waco, TX)
    Date Established: March 01, 1974
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 14840
    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: March 01, 1974
    Last Structure Change Effective Date: April 11, 2008
    Last Structure Change Process Date: April 11, 2008
    Last Data Update: April 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1901 West Lake Shore Drive, Waco, TX 76708
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • Financial Summary
  • Total assets: $80.5 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $71.4 mil
    Return on assets (ROA): 1.08% ($0.9 mil)
    Quarterly return on assets: 1.25% ($1.0 mil)
    Return on Equity (ROE): 10.74% ($1.0 mil)
    Quarterly return on equity: 11.69% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.66% ($1,336.2 mil)
    Quarterly Pretax return on assets: 1.86% ($1,497.1 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
  • 29Total employees (full-time equivalent)
  • $80,491Total assets
  • $7,510Cash and due from depository institutions
  • $5,832Interest-bearing balances
  • $2,561Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,145Net loans & leases
  • $856Loan loss allowance
  • $0Trading account assets
  • $1,086Bank premises and fixed assets
  • $81Other real estate owned
  • $0Goodwill and other intangibles
  • $80,491Life insurance assets
  • $1,108All other assets
  • $71,507Total liabilities and capital
  • $71,433Total liabilities
  • $61,108Total deposits
  • $71,433Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $8,984All other liabilities
  • $8,984Total equity capital
  • $8,984Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $6,050Surplus
  • $2,434Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,500Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $844Income earned, not collected on loans
  • $0Earning assets
  • $266Long-term assets (5+ years)
  • $76,538Average Assets, year-to-date
  • $17,835Average Assets, quarterly
  • $84,518Volatile liabilities
  • $82,775Insider loans
  • $53,421FHLB advances
  • $82,518Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,962Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,547Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,293Total interest income
  • $554Total interest expense
  • $3,739Net interest income
  • $77Provision for loan and lease losses
  • $704Total noninterest income
  • $0Fiduciary activities
  • $433Service charges on deposit accounts
  • $0Trading account gains & fees
  • $271Additional noninterest income
  • $2,961Total noninterest expense
  • $1,590Salaries and employee benefits
  • $354Premises and equipment expense
  • $1,017Additional noninterest expense
  • $1,405Pre-tax net operating income
  • $0Securities gains (losses)
  • $492Applicable income taxes
  • $913Income before extraordinary items
  • $0Extraordinary gains - net
  • $913Net income attributable to bank
  • $0Net charge-offs
  • $913Cash dividends
  • $145Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.66%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 10.74%Return on equity (ROE)
  • 10.57%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 53.10%Credit loss provision to net charge-offs
  • 10.22%Efficiency ratio
  • 66,644Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.64%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 101.42%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 95.40%Net loans and leases to core deposits
  • 99.33%Equity capital to assets
  • 11.16%Core capital (leverage) ratio
  • 10.86%Tier 1 risk-based capital ratio
  • 16.78%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $84,518Average earning assets
  • $8,498Average equity
  • $80,304Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014840Fidelity Bank Of Texas1901 West Lake Shore Drive, Waco, TX 76708March 01, 1974Full Service Brick and Mortar
    132165Robinson Branch410 South Robinson Drive, Robinson, TX 76706March 18, 1985Full Service Brick and Mortar

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