Fidelity Savings and Loan Association of Bucks Co in Bristol, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Fidelity Savings and Loan Association of Bucks Co in Bristol, Pennsylvania (PA)
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Fidelity Savings and Loan Association of Bucks Co - Overview

  • General
  • FDIC Certificate #: 30954
    Status: Active
    Federal Reserve ID: 777375
    Date Established: January 01, 1885
    WWW: http://www.fidelitysavingsonline.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 6167
    FDIC's unique #: 43788
    Numeric code: 36
    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: March 13, 1958
    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: 237 Radcliffe St, Bristol, PA 19007
    County: Bucks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $107.9 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $95.3 mil
    Return on assets (ROA): 0.32% ($0.3 mil)
    Quarterly return on assets: 0.65% ($0.7 mil)
    Return on Equity (ROE): 2.88% ($0.3 mil)
    Quarterly return on equity: 5.77% ($0.7 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.54% ($582.6 mil)
    Quarterly Pretax return on assets: 0.91% ($981.7 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
  • 20Total employees (full-time equivalent)
  • $107,882Total assets
  • $8,266Cash and due from depository institutions
  • $7,361Interest-bearing balances
  • $17,816Securities
  • $14,336Federal funds sold & reverse repurchase agreements
  • $65,175Net loans & leases
  • $449Loan loss allowance
  • $0Trading account assets
  • $453Bank premises and fixed assets
  • $151Other real estate owned
  • $167Goodwill and other intangibles
  • $107,882Life insurance assets
  • $1,518All other assets
  • $95,622Total liabilities and capital
  • $95,314Total liabilities
  • $92,683Total deposits
  • $95,314Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $308Subordinated debt
  • $12,260All other liabilities
  • $12,260Total equity capital
  • $12,260Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,260Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $466Income earned, not collected on loans
  • $0Earning assets
  • $376Long-term assets (5+ years)
  • $104,688Average Assets, year-to-date
  • $57,872Average Assets, quarterly
  • $106,281Volatile liabilities
  • $108,451Insider loans
  • $52,768FHLB advances
  • $107,942Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,802Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,411Restructured Loans and leases
  • $730Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,456Total interest income
  • $1,412Total interest expense
  • $3,044Net interest income
  • $232Provision for loan and lease losses
  • $191Total noninterest income
  • $0Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $83Additional noninterest income
  • $2,431Total noninterest expense
  • $1,319Salaries and employee benefits
  • $265Premises and equipment expense
  • $847Additional noninterest expense
  • $572Pre-tax net operating income
  • $0Securities gains (losses)
  • $227Applicable income taxes
  • $345Income before extraordinary items
  • $0Extraordinary gains - net
  • $345Net income attributable to bank
  • $0Net charge-offs
  • $345Cash dividends
  • $158Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 2.96%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 146.84%Credit loss provision to net charge-offs
  • 5.09%Efficiency ratio
  • 72,798Assets per employee
  • 5.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.68%Loss allowance to noncurrent loans
  • 96.35%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 68.38%Net loans and leases to core deposits
  • 70.62%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 22.37%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $106,281Average earning assets
  • $11,980Average equity
  • $102,987Average loans

List of branches

  • 3 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043788Fidelity Savings And Loan Associatio237 Radcliffe St, Bristol, PA 19007January 01, 1885Full Service Brick and Mortar
    1282765Bristol Branch201 Pond Street, Bristol, PA 19007March 01, 1990Full Service Brick and Mortar
    241604Croydon Branch704 State Road, Croydon, PA 19021January 01, 1921Full Service Brick and Mortar

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