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

Fidelity Bank of Texas in Waco, Texas (TX)
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Fidelity Bank of Texas routing number info

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
WWW: http://www.fbot.com
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

No	ID	Name	Address	Established	Service Type	Map
0	14840	Fidelity Bank Of Texas	1901 West Lake Shore Drive, Waco, TX 76708	March 01, 1974	Full Service Brick and Mortar
1	32165	Robinson Branch	410 South Robinson Drive, Robinson, TX 76706	March 18, 1985	Full Service Brick and Mortar

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

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

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