The Fidelity Deposit and Discount Bank in Dunmore, Pennsylvania (PA)

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The Fidelity Deposit and Discount Bank routing number info

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The Fidelity Deposit and Discount Bank
GeneralFDIC Certificate #: 11868
Status: Active
Federal Reserve ID: 1007819
Bank Holding Company (Regulatory Top Holder): Fidelity D&D Bancorp, Inc. (RSSDID: 2858773, Location: Dunmore, PA)
Date Established: May 11, 1903
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 14 (Domestic: 14, Interstate: No)
OTS Docket #: 11124
FDIC's unique #: 7582
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 21, 2011
Last Structure Change Process Date: January 21, 2011
Last Data Update: January 21, 2011
Data Source Date: April 05, 2012
LocationAddress: Blakely And Drinker Streets, Dunmore, PA 18512
County: Lackawanna
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): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
Core Based Statistical Area (CBSA): Scranton-Wilkes-Barre, PA (#42540)
CBSA Metro Statistical Area: Scranton-Wilkes-Barre, PA (#42540)
Financial SummaryTotal assets: $606.3 mil
Equity capital: $53.3 mil
Deposits held in domestic offices: $515.8 mil
Return on assets (ROA): 0.88% ($5.3 mil)
Quarterly return on assets: 0.80% ($4.8 mil)
Return on Equity (ROE): 10.49% ($5.6 mil)
Quarterly return on equity: 9.39% ($5.0 mil)
Net income: $5.2 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.17% ($7,093.8 mil)
Quarterly Pretax return on assets: 1.07% ($6,487.5 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)
Total employees (full-time equivalent)161
Total assets$606,309
Cash and due from depository institutions$52,165
Interest-bearing balances$37,007
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$402,923
Loan loss allowance $8,108
Trading account assets$0
Bank premises and fixed assets$13,802
Other real estate owned$1,169
Goodwill and other intangibles$800
All other assets$27,345
Life insurance assets$606,309
Total liabilities and capital$553,056
Total liabilities$515,805
Total deposits$419,647
Interest-bearing deposits$515,805
Deposits held in domestic offices$80
% insured (estimated)9507.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$21,000
Other borrowed funds $0
Subordinated debt $6,744
All other liabilities $53,253
Total equity capital$53,253
Total bank equity capital$53,253
Perpetual preferred stock$0
Common stock$1,410
Undivided profits $44,455
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,537
Income earned, not collected on loans $14,227
Earning assets $379
Long-term assets (5+ years) $2,082
Average Assets, year-to-date $548,035
Average Assets, quarterly $297,393
Volatile liabilities $594,074
Insider loans $612,696
FHLB advances $451,762
Loans and leases held for sale $606,545
Unused loan commitments $9,740
Tier 1 (core) risk-based capital $9,740
Tier 2 risk-based capital $52,725
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $78,983
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,306
Total interest expense $4,761
Net interest income $21,545
Provision for loan and lease losses $1,800
Total noninterest income $5,058
Fiduciary activities $420
Service charges on deposit accounts $1,800
Trading account gains & fees $0
Additional noninterest income $2,838
Total noninterest expense $17,631
Salaries and employee benefits $8,762
Premises and equipment expense $3,546
Additional noninterest expense $5,323
Pre-tax net operating income $7,172
Securities gains (losses) -$210
Applicable income taxes $1,734
Income before extraordinary items $5,228
Extraordinary gains - net $0
Net income attributable to bank $5,228
Net charge-offs $0
Cash dividends $5,228
Sale, conversion, retirement of capital stock, net $1,590
Net operating income $1,044
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 0.89%
Net interest margin 4.02%
Noninterest income to earning assets 0.94%
Noninterest expense to earning assets 3.29%
Net operating income to assets 0.91%
Return on assets (ROA) 0.88%
Pretax return on assets 1.17%
Return on equity (ROE) 10.49%
Retained earnings to average equity (YTD only) 8.40%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 113.21%
Efficiency ratio5.64%
Assets per employee$66,274
Cash dividends to net income (YTD only)3.77%
Condition Ratios (%)
Loss allowance to loans 19.97%
Loss allowance to noncurrent loans 1.97%
Noncurrent assets plus other real estate owned to assets 56.99%
Noncurrent loans to loans 2.71%
Net loans and leases to deposits3.46%
Net loans and leases to core deposits 78.12%
Equity capital to assets 81.95%
Core capital (leverage) ratio 8.78%
Tier 1 risk-based capital ratio 8.69%
Total risk-based capital ratio 11.67%
Average assets$13
Average earning assets$594,074
Average equity $49,826
Average loans $536,071
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$186,894
Number of Accounts1
Personal trust and agency accounts$75,387
Employee benefit-defined contribution accounts$47,816
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$3,139
Investment management agency accounts$12,221
Other fiduciary accounts$10,571
Fiduciary accounts held in foreign offices$1,640
Non-managed Assets$0
Number of Accounts228
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,139
Employee benefit-defined benefit accounts$0
Other retirement accounts$111,507
Corporate trust and agency accounts$3,025
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,591
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14 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07582The Fidelity Deposit And Discount BaBlakely And Drinker Streets, Dunmore, PA 18512May 11, 1903Full Service Brick and Mortar
1225851Dunmore BranchIndustrial Park Drive, Dunmore, PA 18512June 04, 1982Full Service Brick and Mortar
2225852Green Ridge Branch111 Green Ridge Street, Scranton, PA 18509October 01, 1988Full Service Brick and Mortar
4225854Morgan Highway BranchMorgan Highway, State Route 307, Clarks Summit, PA 18411December 04, 1995Full Service Brick and Mortar
7225857Trust DepartmentBlakely & Drinker Streets, Dunmore, PA 18512September 03, 1997Limited Service Trust
8225858801 Wyoming Avenue Branch801 Wyoming Avenue, West Pittston, PA 18643Febuary 09, 1999Full Service Brick and Mortar
9225859North Washington Avenue Branch338 North Washington Avenue, Scranton, PA 18503March 15, 1999Full Service Brick and Mortar
10225860Moosic Branch4010 Birney Ave, Moosic, PA 18507May 17, 1999Full Service Brick and Mortar
11357600Peckville Branch1598 Main Street, Peckville, PA 18452March 01, 2000Full Service Brick and Mortar
13360026247 Wyoming Avenue Branch247 Wyoming Avenue, Kingston, PA 18704April 16, 2001Full Service Brick and Mortar
14419641Eynon Office Branch511 Scranton-Carbondale Highway, Eynon, PA 18403July 17, 2002Full Service Brick and Mortar
15452400Call Center Branch338. N Washington Ave, Scranton, PA 18503August 01, 2005Full Service Cyber
16480387West Scranton Branch400 South Main Avenue, Scranton, PA 18504August 11, 2008Full Service Brick and Mortar
17499960Clarks Summit State Hospital Branch1451 Hillside Drive, Clarks Summit, PA 18411March 02, 1998Limited Service Mobile
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