The Fidelity Deposit and Discount Bank in Dunmore, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Fidelity Deposit and Discount Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 161Total employees (full-time equivalent)
  • $606,309Total assets
  • $52,165Cash and due from depository institutions
  • $37,007Interest-bearing balances
  • $108,105Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $402,923Net loans & leases
  • $8,108Loan loss allowance
  • $0Trading account assets
  • $13,802Bank premises and fixed assets
  • $1,169Other real estate owned
  • $800Goodwill and other intangibles
  • $606,309Life insurance assets
  • $27,345All other assets
  • $553,056Total liabilities and capital
  • $515,805Total liabilities
  • $419,647Total deposits
  • $515,805Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 9507.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,000Trading liabilities
  • $0Other borrowed funds
  • $6,744Subordinated debt
  • $53,253All other liabilities
  • $53,253Total equity capital
  • $53,253Total bank equity capital
  • $0Perpetual preferred stock
  • $1,410Common stock
  • $7,388Surplus
  • $44,455Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,537Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,227Income earned, not collected on loans
  • $379Earning assets
  • $2,082Long-term assets (5+ years)
  • $548,035Average Assets, year-to-date
  • $297,393Average Assets, quarterly
  • $594,074Volatile liabilities
  • $612,696Insider loans
  • $451,762FHLB advances
  • $606,545Loans and leases held for sale
  • $9,740Unused loan commitments
  • $9,740Tier 1 (core) risk-based capital
  • $52,725Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $78,983Restructured Loans and leases
  • $3,193Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,306Total interest income
  • $4,761Total interest expense
  • $21,545Net interest income
  • $1,800Provision for loan and lease losses
  • $5,058Total noninterest income
  • $420Fiduciary activities
  • $1,800Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,838Additional noninterest income
  • $17,631Total noninterest expense
  • $8,762Salaries and employee benefits
  • $3,546Premises and equipment expense
  • $5,323Additional noninterest expense
  • $7,172Pre-tax net operating income
  • -$210Securities gains (losses)
  • $1,734Applicable income taxes
  • $5,228Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,228Net income attributable to bank
  • $0Net charge-offs
  • $5,228Cash dividends
  • $1,590Sale, conversion, retirement of capital stock, net
  • $1,044Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 10.49%Return on equity (ROE)
  • 8.40%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 113.21%Credit loss provision to net charge-offs
  • 5.64%Efficiency ratio
  • 66,274Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.97%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 56.99%Noncurrent assets plus other real estate owned to assets
  • 2.71%Noncurrent loans to loans
  • 3.46%Net loans and leases to deposits
  • 78.12%Net loans and leases to core deposits
  • 81.95%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 11.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $594,074Average earning assets
  • $49,826Average equity
  • $536,071Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $186,894Managed Assets
  • 1Number of Accounts
  • $75,387Personal trust and agency accounts
  • $47,816Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,139Corporate trust and agency accounts
  • $12,221Investment management agency accounts
  • $10,571Other fiduciary accounts
  • $1,640Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 228Number of Accounts
  • $0Personal trust and agency accounts
  • $3,139Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $111,507Other retirement accounts
  • $3,025Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,591Fiduciary accounts held in foreign offices

List of branches

  • 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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