Fidelity Homestead Savings Bank in New Orleans, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Fidelity Homestead Savings Bank in New Orleans, Louisiana (LA)
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Fidelity Homestead Savings Bank - Overview

  • General
  • FDIC Certificate #: 28316
    Status: Active
    Federal Reserve ID: 255574
    Date Established: January 01, 1908
    WWW: http://www.fidelityhomestead.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    OTS Docket #: 1355
    FDIC's unique #: 41150
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 16, 1936
    Last Structure Change Effective Date: March 16, 2010
    Last Structure Change Process Date: March 16, 2010
    Last Data Update: March 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 St. Charles Avenue, 20th Floor, New Orleans, LA 70170
    County: Orleans
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $919.9 mil
    Equity capital: $125.5 mil
    Deposits held in domestic offices: $792.2 mil
    Return on assets (ROA): -0.33% (-$3.0 mil)
    Quarterly return on assets: -0.29% (-$2.7 mil)
    Return on Equity (ROE): -2.50% (-$3.1 mil)
    Quarterly return on equity: -2.12% (-$2.6 mil)
    Net income: -$3.2 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -0.48% (-$4,415.5 mil)
    Quarterly Pretax return on assets: -0.34% (-$3,127.7 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
  • 249Total employees (full-time equivalent)
  • $919,899Total assets
  • $30,169Cash and due from depository institutions
  • $23,125Interest-bearing balances
  • $457,977Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $378,874Net loans & leases
  • $8,614Loan loss allowance
  • $0Trading account assets
  • $37,299Bank premises and fixed assets
  • $986Other real estate owned
  • $1,738Goodwill and other intangibles
  • $919,899Life insurance assets
  • $12,856All other assets
  • $794,446Total liabilities and capital
  • $792,234Total liabilities
  • $742,841Total deposits
  • $792,234Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,212Subordinated debt
  • $125,453All other liabilities
  • $125,453Total equity capital
  • $125,453Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $125,453Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,375Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,296Income earned, not collected on loans
  • $0Earning assets
  • $2,887Long-term assets (5+ years)
  • $859,976Average Assets, year-to-date
  • $374,883Average Assets, quarterly
  • $953,436Volatile liabilities
  • $927,040Insider loans
  • $343,344FHLB advances
  • $926,910Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $122,803Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,628Restructured Loans and leases
  • $1,593Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,269Total interest income
  • $12,823Total interest expense
  • $23,446Net interest income
  • $3,602Provision for loan and lease losses
  • $4,623Total noninterest income
  • $0Fiduciary activities
  • $745Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,878Additional noninterest income
  • $29,079Total noninterest expense
  • $15,227Salaries and employee benefits
  • $4,771Premises and equipment expense
  • $9,081Additional noninterest expense
  • -$4,612Pre-tax net operating income
  • $32Securities gains (losses)
  • -$1,414Applicable income taxes
  • -$3,166Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,166Net income attributable to bank
  • $0Net charge-offs
  • -$3,166Cash dividends
  • $734Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 2.62%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.33%Return on assets (ROA)
  • -0.48%Pretax return on assets
  • -2.50%Return on equity (ROE)
  • -2.50%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 490.74%Credit loss provision to net charge-offs
  • -1.38%Efficiency ratio
  • 103,388Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 76.26%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 47.82%Net loans and leases to core deposits
  • 48.77%Equity capital to assets
  • 13.64%Core capital (leverage) ratio
  • 13.25%Tier 1 risk-based capital ratio
  • 35.77%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $953,436Average earning assets
  • $126,428Average equity
  • $893,968Average loans

List of branches

  • 18 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041150Fidelity Homestead Savings Bank201 St. Charles Avenue, 20th Floor, New Orleans, LA 70170January 01, 1908Full Service Brick and Mortar
    1266644Veterans Blvd. Branch3829 Veterans Boulevard, Metairie, LA 70002January 01, 1908Full Service Brick and Mortar
    2266645West Bank Expressway Branch3511 General Degaulle Drive, New Orleans, LA 70114January 01, 1908Full Service Brick and Mortar
    100266646New Orleans East Branch5530 Crowder Boulevard, New Orleans, LA 70127January 01, 1908Limited Service Facility
    101266647Williams Blvd Branch3270 Williams Boulevard, Kenner, LA 70065June 30, 1985Full Service Brick and Mortar
    102266648Carrollton Avenue Branch1201 S. Carrollton Avenue, New Orleans, LA 70118January 15, 1990Full Service Brick and Mortar
    103266649Robert E. Lee Blvd. Branch149 Robert E. Lee Boulevard, New Orleans, LA 70124January 12, 1995Full Service Brick and Mortar
    104266650Covington Branch2300 Highway 190 North, Covington, LA 70433January 31, 1997Full Service Brick and Mortar
    105418522Slidell Branch1901 Gause Blvd E, Slidell, LA 70461August 01, 2001Full Service Brick and Mortar
    106418523River Ridge Branch9099 Jefferson Hwy, River Ridge, LA 70123December 21, 1998Full Service Brick and Mortar
    107418524Gretna Branch1888 Belle Chase Highway, Gretna, LA 70056May 01, 2002Full Service Brick and Mortar
    108467482Baton Rouge Branch5643 Corporate Blvd., Baton Rouge, LA 70808September 01, 2005Full Service Brick and Mortar
    111426528Your Bank Branch1639 Highway 51, Ponchatoula, LA 70454November 03, 2004Full Service Brick and Mortar
    112455702University Avenue Branch14455 University Avenue, Hammond, LA 70401October 16, 2006Full Service Brick and Mortar
    113480415Metairie Road Branch1811 Metairie Ave, Metairie, LA 70005June 30, 2008Full Service Brick and Mortar
    114480416Veterans Drive Up Branch1220 Veterans Blvd, Metairie, LA 70005June 30, 2008Limited Service Facility
    115480417Mandeville Branch2550 Florida Street, Mandeville, LA 70448June 30, 2008Full Service Brick and Mortar
    116490141Hammond Branch500 C M Fagen Drive, Hammond, LA 70403August 04, 2008Full Service Brick and Mortar

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