Fidelity National Bank in Medford, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Fidelity National Bank in Medford, Wisconsin (WI)
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Fidelity National Bank - Overview

  • General
  • FDIC Certificate #: 22153
    Status: Active
    Federal Reserve ID: 179755
    Bank Holding Company (Regulatory Top Holder): Fidelity Bancorp, Inc. (RSSDID: 2330288, Location: Medford, WI)
    Date Established: October 21, 1975
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11964
    FDIC's unique #: 15390
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 21, 1975
    Last Structure Change Effective Date: June 01, 2007
    Last Structure Change Process Date: June 11, 2007
    Last Data Update: June 11, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 South Eighth Street, Medford, WI 54451
    County: Taylor
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $91.1 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 0.13% ($0.1 mil)
    Quarterly return on assets: 0.90% ($0.8 mil)
    Return on Equity (ROE): 1.25% ($0.1 mil)
    Quarterly return on equity: 8.53% ($0.9 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.02% (-$18.2 mil)
    Quarterly Pretax return on assets: 1.13% ($1,029.5 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
  • 35Total employees (full-time equivalent)
  • $91,102Total assets
  • $3,372Cash and due from depository institutions
  • $868Interest-bearing balances
  • $13,991Securities
  • $1,863Federal funds sold & reverse repurchase agreements
  • $64,413Net loans & leases
  • $1,075Loan loss allowance
  • $0Trading account assets
  • $2,641Bank premises and fixed assets
  • $2,847Other real estate owned
  • $790Goodwill and other intangibles
  • $91,102Life insurance assets
  • $1,185All other assets
  • $81,337Total liabilities and capital
  • $80,181Total liabilities
  • $73,656Total deposits
  • $80,181Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $950Trading liabilities
  • $0Other borrowed funds
  • $206Subordinated debt
  • $9,765All other liabilities
  • $9,765Total equity capital
  • $9,765Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $1,315Surplus
  • $7,825Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,109Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,743Income earned, not collected on loans
  • $297Earning assets
  • $433Long-term assets (5+ years)
  • $81,135Average Assets, year-to-date
  • $16,992Average Assets, quarterly
  • $91,978Volatile liabilities
  • $91,214Insider loans
  • $64,692FHLB advances
  • $91,582Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,415Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,397Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,674Total interest income
  • $896Total interest expense
  • $3,778Net interest income
  • $1,187Provision for loan and lease losses
  • $730Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $583Additional noninterest income
  • $3,331Total noninterest expense
  • $1,732Salaries and employee benefits
  • $404Premises and equipment expense
  • $1,195Additional noninterest expense
  • -$10Pre-tax net operating income
  • -$4Securities gains (losses)
  • -$133Applicable income taxes
  • $119Income before extraordinary items
  • $0Extraordinary gains - net
  • $119Net income attributable to bank
  • $0Net charge-offs
  • $119Cash dividends
  • $951Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.66%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.57%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • -0.02%Pretax return on assets
  • 1.25%Return on equity (ROE)
  • 1.25%Retained earnings to average equity (YTD only)
  • 1.43%Net charge-offs to loans
  • 124.82%Credit loss provision to net charge-offs
  • 1.24%Efficiency ratio
  • 73,891Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 61.68%Noncurrent assets plus other real estate owned to assets
  • 5.86%Noncurrent loans to loans
  • 2.66%Net loans and leases to deposits
  • 80.33%Net loans and leases to core deposits
  • 89.00%Equity capital to assets
  • 10.72%Core capital (leverage) ratio
  • 10.28%Tier 1 risk-based capital ratio
  • 14.55%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $91,978Average earning assets
  • $9,545Average equity
  • $82,606Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015390Fidelity National Bank215 South Eighth Street, Medford, WI 54451October 21, 1975Full Service Brick and Mortar
    1254152Grand Chute Branch1500 North Casaloma Drive, Grand Chute, WI 54915November 10, 1997Full Service Brick and Mortar

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