Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)
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Fidelity Federal Savings and Loan Association of Delaware - Overview

  • General
  • FDIC Certificate #: 29521
    Status: Active
    Federal Reserve ID: 446176
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3587
    FDIC's unique #: 42355
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 10, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 60 North Sandusky St, Delaware, OH 43015
    County: Delaware
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Columbus, OH (#1840)
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Columbus, OH (#18140)
    CBSA Metro Statistical Area: Columbus, OH (#18140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $103.4 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $90.1 mil
    Return on assets (ROA): 0.73% ($0.8 mil)
    Quarterly return on assets: 0.61% ($0.6 mil)
    Return on Equity (ROE): 6.19% ($0.8 mil)
    Quarterly return on equity: 5.01% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.06% ($1,095.7 mil)
    Quarterly Pretax return on assets: 0.93% ($961.3 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
  • 19Total employees (full-time equivalent)
  • $103,368Total assets
  • $13,082Cash and due from depository institutions
  • $9,476Interest-bearing balances
  • $29,974Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,356Net loans & leases
  • $372Loan loss allowance
  • $0Trading account assets
  • $1,935Bank premises and fixed assets
  • $1,394Other real estate owned
  • $8Goodwill and other intangibles
  • $103,368Life insurance assets
  • $1,619All other assets
  • $90,768Total liabilities and capital
  • $90,114Total liabilities
  • $90,114Total deposits
  • $90,114Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $654Subordinated debt
  • $12,600All other liabilities
  • $12,600Total equity capital
  • $12,600Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $0Surplus
  • $12,599Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,552Income earned, not collected on loans
  • $0Earning assets
  • $382Long-term assets (5+ years)
  • $94,806Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $101,054Volatile liabilities
  • $102,878Insider loans
  • $41,702FHLB advances
  • $102,438Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,991Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,456Restructured Loans and leases
  • $688Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,185Total interest income
  • $782Total interest expense
  • $3,403Net interest income
  • $160Provision for loan and lease losses
  • $219Total noninterest income
  • $0Fiduciary activities
  • $100Service charges on deposit accounts
  • $0Trading account gains & fees
  • $119Additional noninterest income
  • $2,402Total noninterest expense
  • $1,177Salaries and employee benefits
  • $535Premises and equipment expense
  • $690Additional noninterest expense
  • $1,060Pre-tax net operating income
  • $16Securities gains (losses)
  • $337Applicable income taxes
  • $739Income before extraordinary items
  • $0Extraordinary gains - net
  • $739Net income attributable to bank
  • $0Net charge-offs
  • $739Cash dividends
  • $60Sale, 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
  • 0.86%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 6.19%Return on equity (ROE)
  • 6.19%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 266.67%Credit loss provision to net charge-offs
  • 20.33%Efficiency ratio
  • 66,317Assets per employee
  • 5.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.67%Loss allowance to noncurrent loans
  • 23.97%Noncurrent assets plus other real estate owned to assets
  • 2.85%Noncurrent loans to loans
  • 2.78%Net loans and leases to deposits
  • 61.43%Net loans and leases to core deposits
  • 62.37%Equity capital to assets
  • 12.19%Core capital (leverage) ratio
  • 11.71%Tier 1 risk-based capital ratio
  • 28.75%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $101,054Average earning assets
  • $11,935Average equity
  • $90,490Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042355Fidelity Federal Savings And Loan As60 North Sandusky St, Delaware, OH 43015January 01, 1887Full Service Brick and Mortar
    1275333Route 37 West Branch1940 State Route 37 West, Delaware, OH 43015January 01, 1887Full Service Brick and Mortar

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