Fidelity State Bank and Trust Company in Topeka, Kansas (KS)

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Fidelity State Bank and Trust Company
GeneralFDIC Certificate #: 1150
Status: Active
Federal Reserve ID: 55653
Bank Holding Company (Regulatory Top Holder): Fidelity Kansas Bankshares, Inc. (RSSDID: 1066526, Location: Topeka, KS)
Date Established: April 29, 1922
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 787
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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
LocationAddress: 600 Kansas Avenue, Topeka, KS 66603
County: Shawnee
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Topeka, KS (#8440)
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $96.7 mil
Equity capital: $11.6 mil
Deposits held in domestic offices: $79.8 mil
Return on assets (ROA): 0.55% ($0.5 mil)
Quarterly return on assets: 0.55% ($0.5 mil)
Return on Equity (ROE): 4.54% ($0.5 mil)
Quarterly return on equity: 4.43% ($0.5 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.60% ($580.1 mil)
Quarterly Pretax return on assets: 0.55% ($531.8 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)
Total employees (full-time equivalent)38
Total assets$96,690
Cash and due from depository institutions$11,786
Interest-bearing balances$11,207
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$56,660
Loan loss allowance $841
Trading account assets$0
Bank premises and fixed assets$1,467
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,371
Life insurance assets$96,690
Total liabilities and capital$85,062
Total liabilities$79,776
Total deposits$55,397
Interest-bearing deposits$79,776
Deposits held in domestic offices$95
% insured (estimated)5082.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $204
All other liabilities $11,628
Total equity capital$11,628
Total bank equity capital$11,628
Perpetual preferred stock$0
Common stock$2,000
Undivided profits $7,628
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $238
Income earned, not collected on loans $243
Earning assets $0
Long-term assets (5+ years) $333
Average Assets, year-to-date $93,273
Average Assets, quarterly $19,601
Volatile liabilities $94,635
Insider loans $94,410
FHLB advances $62,703
Loans and leases held for sale $95,490
Unused loan commitments $219
Tier 1 (core) risk-based capital $219
Tier 2 risk-based capital $10,941
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,906
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,996
Total interest expense $356
Net interest income $3,640
Provision for loan and lease losses $475
Total noninterest income $531
Fiduciary activities $0
Service charges on deposit accounts $318
Trading account gains & fees $0
Additional noninterest income $213
Total noninterest expense $3,127
Salaries and employee benefits $1,820
Premises and equipment expense $402
Additional noninterest expense $905
Pre-tax net operating income $569
Securities gains (losses) $0
Applicable income taxes $48
Income before extraordinary items $521
Extraordinary gains - net $0
Net income attributable to bank $521
Net charge-offs $0
Cash dividends $521
Sale, conversion, retirement of capital stock, net $31
Net operating income $460
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.39%
Cost of funding earning assets 0.39%
Net interest margin 4.00%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 3.43%
Net operating income to assets 0.55%
Return on assets (ROA) 0.55%
Pretax return on assets 0.60%
Return on equity (ROE) 4.54%
Retained earnings to average equity (YTD only) 0.53%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 1532.26%
Efficiency ratio33.68%
Assets per employee$74,970
Cash dividends to net income (YTD only)2.54%
Condition Ratios (%)
Loss allowance to loans 88.29%
Loss allowance to noncurrent loans 1.46%
Noncurrent assets plus other real estate owned to assets 346.09%
Noncurrent loans to loans 0.25%
Net loans and leases to deposits0.42%
Net loans and leases to core deposits 71.02%
Equity capital to assets 72.77%
Core capital (leverage) ratio 12.03%
Tier 1 risk-based capital ratio 11.46%
Total risk-based capital ratio 17.45%
Average assets$19
Average earning assets$94,635
Average equity $11,478
Average loans $91,060
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4 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0787Fidelity State Bank And Trust Compan600 Kansas Avenue, Topeka, KS 66603April 29, 1922Full Service Brick and Mortar
2187953Southwest Branch3835 Sw 29th Street, Topeka, KS 66604October 27, 1973Full Service Brick and Mortar
3187954Gage Boulevard Branch1241 Gage Boulevard, Topeka, KS 66604December 29, 1973Full Service Brick and Mortar
4187955Topeka Branch5926 Southwest 21st Street, Topeka, KS 66604November 20, 1989Full Service Brick and Mortar
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