Fidelity Federal Savings Bank in Marion, Indiana (IN)

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Fidelity Federal Savings Bank
GeneralFDIC Certificate #: 29667
Status: Inactive
Federal Reserve ID: 341673
Date Established: January 01, 1915
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 3855
FDIC's unique #: 42501
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: May 09, 1936
Last Structure Change Effective Date: September 16, 2005
Last Structure Change Process Date: September 22, 2005
Last Data Update: September 22, 2005
Data Source Date: April 05, 2012
LocationAddress: 116 West Fourth Street, Marion, IN 46952
County: Grant
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Marion, IN (#31980)
CBSA Micro Statistical Area: Yes
History of ChangesOther Liquidations and Closings
Change in Insurance Status
Office Sold
Financial SummaryTotal assets: $107.7 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, 2004)
(Dollar figures in thousands)
Total employees (full-time equivalent)31
Total assets$109,792
Cash and due from depository institutions$3,341
Interest-bearing balances$425
Federal funds sold & reverse repurchase agreements$3,050
Net loans & leases$85,657
Loan loss allowance $1,642
Trading account assets$0
Bank premises and fixed assets$682
Other real estate owned$249
Goodwill and other intangibles$19
All other assets$3,956
Life insurance assets$843
Total liabilities and capital$109,792
Total liabilities$100,148
Total deposits$79,045
Interest-bearing deposits$73,509
Deposits held in domestic offices$79,045
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $20,500
Subordinated debt $0
All other liabilities $603
Total equity capital$9,644
Total bank equity capital$9,644
Perpetual preferred stock$9,644
Common stock$0
Undivided profits $4,861
Noncurrent loans and leases $4,777
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $8,102
Income earned, not collected on loans $0
Earning assets $2,898
Long-term assets (5+ years) $0
Average Assets, year-to-date $477
Average Assets, quarterly $101,970
Volatile liabilities $0
Insider loans $117,439
FHLB advances $116,802
Loans and leases held for sale $47,197
Unused loan commitments $2,622
Tier 1 (core) risk-based capital $20,500
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $8,102
Restructured Loans and leases $0
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Income and Expense (December 31, 2004)
(Dollar figures in thousands)
Total interest income $6,396
Total interest expense $3,009
Net interest income $3,387
Provision for loan and lease losses $1,306
Total noninterest income $537
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $537
Total noninterest expense $2,641
Salaries and employee benefits $1,313
Premises and equipment expense $735
Additional noninterest expense $593
Pre-tax net operating income -$23
Securities gains (losses) $1
Applicable income taxes -$39
Income before extraordinary items $17
Extraordinary gains - net $0
Net income attributable to bank $17
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $787
Net operating income $0
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Performance and Condition Ratios (December 31, 2004)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.84%
Cost of funding earning assets 2.75%
Net interest margin 3.09%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 2.41%
Net operating income to assets 0.01%
Return on assets (ROA) 0.01%
Pretax return on assets -0.02%
Return on equity (ROE) 0.17%
Retained earnings to average equity (YTD only) 0.17%
Net charge-offs to loans 0.89%
Credit loss provision to net charge-offs 165.95%
Efficiency ratio1.63%
Assets per employee$67,304
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.88%
Noncurrent assets plus other real estate owned to assets 56.66%
Noncurrent loans to loans 2.87%
Net loans and leases to deposits3.32%
Net loans and leases to core deposits 108.36%
Equity capital to assets 163.63%
Core capital (leverage) ratio 8.78%
Tier 1 risk-based capital ratio 8.83%
Total risk-based capital ratio 14.18%
Average assets$15
Average earning assets$117,439
Average equity $9,816
Average loans $109,528
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