Fidelity Savings Bank in Pittsburgh, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Fidelity Savings Bank - Overview

  • General
  • FDIC Certificate #: 28038
    Status: Active
    Federal Reserve ID: 736877
    Bank Holding Company (Regulatory Top Holder): Fidelity Bancorp, Inc. (RSSDID: 2121552, Location: Pittsburgh, PA)
    Date Established: January 01, 1882
    WWW: http://www.fidelitybank-pa.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 784
    FDIC's unique #: 40872
    Numeric code: 41
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: August 19, 1936
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1009 Perry Highway, Pittsburgh, PA 15237
    County: Allegheny
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $656.4 mil
    Equity capital: $54.7 mil
    Deposits held in domestic offices: $460.7 mil
    Return on assets (ROA): 0.34% ($2.2 mil)
    Quarterly return on assets: 0.32% ($2.1 mil)
    Return on Equity (ROE): 4.31% ($2.4 mil)
    Quarterly return on equity: 3.90% ($2.1 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.42% ($2,756.8 mil)
    Quarterly Pretax return on assets: 0.39% ($2,559.9 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
  • 143Total employees (full-time equivalent)
  • $656,388Total assets
  • $30,133Cash and due from depository institutions
  • $23,049Interest-bearing balances
  • $230,502Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $351,698Net loans & leases
  • $4,757Loan loss allowance
  • $0Trading account assets
  • $9,598Bank premises and fixed assets
  • $7,438Other real estate owned
  • $2,656Goodwill and other intangibles
  • $656,388Life insurance assets
  • $24,363All other assets
  • $601,707Total liabilities and capital
  • $460,723Total liabilities
  • $401,083Total deposits
  • $460,723Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 74486.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $65,000Trading liabilities
  • $0Other borrowed funds
  • $1,498Subordinated debt
  • $54,681All other liabilities
  • $54,681Total equity capital
  • $54,681Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $26,961Surplus
  • $27,720Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,693Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,032Income earned, not collected on loans
  • $0Earning assets
  • $2,265Long-term assets (5+ years)
  • $605,249Average Assets, year-to-date
  • $277,004Average Assets, quarterly
  • $670,079Volatile liabilities
  • $659,405Insider loans
  • $406,407FHLB advances
  • $651,583Loans and leases held for sale
  • $5,880Unused loan commitments
  • $4,379Tier 1 (core) risk-based capital
  • $50,567Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,501Total unused commitments
  • $98,030Restructured Loans and leases
  • $2,823Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,043Total interest income
  • $10,900Total interest expense
  • $15,143Net interest income
  • $1,250Provision for loan and lease losses
  • $3,477Total noninterest income
  • $0Fiduciary activities
  • $1,234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,243Additional noninterest income
  • $14,986Total noninterest expense
  • $8,413Salaries and employee benefits
  • $1,831Premises and equipment expense
  • $4,742Additional noninterest expense
  • $2,384Pre-tax net operating income
  • $460Securities gains (losses)
  • $545Applicable income taxes
  • $2,299Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,299Net income attributable to bank
  • $0Net charge-offs
  • $2,299Cash dividends
  • $2,457Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 1.75%Cost of funding earning assets
  • 2.43%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 4.31%Return on equity (ROE)
  • 4.31%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 50.88%Credit loss provision to net charge-offs
  • 1.48%Efficiency ratio
  • 80,435Assets per employee
  • 4.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 33.90%Noncurrent assets plus other real estate owned to assets
  • 3.27%Noncurrent loans to loans
  • 3.94%Net loans and leases to deposits
  • 76.34%Net loans and leases to core deposits
  • 78.27%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $670,079Average earning assets
  • $53,340Average equity
  • $622,490Average loans

List of branches

  • 13 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040872Fidelity Savings Bank1009 Perry Highway, Pittsburgh, PA 15237January 01, 1882Full Service Brick and Mortar
    2264578Zelienople Branch251 South Main Street, Zelienople, PA 16063January 01, 1882Full Service Brick and Mortar
    4264580Brighton Road Br3300 Brighton Road, Pittsburgh, PA 15212January 01, 1882Full Service Brick and Mortar
    102264582Mt. Lebanon Branch312 Beverly Road, Pittsburgh, PA 15216January 01, 1882Full Service Brick and Mortar
    10543037Bloomfield Branch4719 Liberty Avenue, Pittsburgh, PA 15224July 07, 1942Full Service Brick and Mortar
    106264584Washington Road Branch728 Washington Road, Pittsburgh, PA 15228November 22, 1991Full Service Brick and Mortar
    107264585Strip District2034 Penn Avenue, Pittsburgh, PA 15222October 01, 1998Full Service Brick and Mortar
    10840505Bellevue Bank Branch683 Lincoln Avenue, Pittsburgh, PA 15202January 01, 1910Full Service Brick and Mortar
    11140648Carnegie Branch100 Broadway Street, Carnegie, PA 15106January 01, 1915Full Service Brick and Mortar
    11243046Troy Hill Branch1729 Lowrie St, Pittsburgh, PA 15212January 01, 1916Full Service Brick and Mortar
    113418861Cranberry Branch1339 Freedom Road, Cranberry Township, PA 16066April 01, 2003Full Service Brick and Mortar
    114493438Shadyside Branch5000 Centre Avenue, Pittsburgh, PA 15213Febuary 18, 2009Full Service Brick and Mortar
    115521530Mccandless Crossing Branch617 Duncan Avenue, Pittsburgh, PA 15237November 08, 2010Full Service Brick and Mortar

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