The Fidelity State Bank and Trust Company in Dodge City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Fidelity State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10920
    Status: Active
    Federal Reserve ID: 638850
    Bank Holding Company (Regulatory Top Holder): Fidelity Banc Corporation, Dodge City, Kansas (RSSDID: 1060234, Location: Dodge City, KS)
    Date Established: January 02, 1933
    WWW: http://www.fidelitybankdc.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9668
    FDIC's unique #: 6993
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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
  • Location
  • Address: 510 North Second Avenue, Dodge City, KS 67801
    County: Ford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Dodge City, KS (#19980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $172.2 mil
    Equity capital: $27.2 mil
    Deposits held in domestic offices: $143.2 mil
    Return on assets (ROA): 1.14% ($2.0 mil)
    Quarterly return on assets: 0.65% ($1.1 mil)
    Return on Equity (ROE): 7.17% ($1.9 mil)
    Quarterly return on equity: 4.08% ($1.1 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.35% ($2,325.3 mil)
    Quarterly Pretax return on assets: 0.62% ($1,067.9 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
  • 35Total employees (full-time equivalent)
  • $172,241Total assets
  • $64,229Cash and due from depository institutions
  • $58,840Interest-bearing balances
  • $57,540Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,992Net loans & leases
  • $902Loan loss allowance
  • $0Trading account assets
  • $578Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $172,241Life insurance assets
  • $1,902All other assets
  • $145,022Total liabilities and capital
  • $143,191Total liabilities
  • $91,401Total deposits
  • $143,191Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,831Subordinated debt
  • $27,219All other liabilities
  • $27,219Total equity capital
  • $27,219Total bank equity capital
  • $0Perpetual preferred stock
  • $1,400Common stock
  • $2,800Surplus
  • $23,019Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $254Income earned, not collected on loans
  • $0Earning assets
  • $568Long-term assets (5+ years)
  • $164,372Average Assets, year-to-date
  • $25,870Average Assets, quarterly
  • $165,576Volatile liabilities
  • $169,613Insider loans
  • $58,617FHLB advances
  • $167,826Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,617Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,558Restructured Loans and leases
  • $2,847Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,557Total interest income
  • $487Total interest expense
  • $5,070Net interest income
  • $60Provision for loan and lease losses
  • $818Total noninterest income
  • $303Fiduciary activities
  • $172Service charges on deposit accounts
  • $0Trading account gains & fees
  • $343Additional noninterest income
  • $3,610Total noninterest expense
  • $2,288Salaries and employee benefits
  • $303Premises and equipment expense
  • $1,019Additional noninterest expense
  • $2,218Pre-tax net operating income
  • $12Securities gains (losses)
  • $345Applicable income taxes
  • $1,885Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,885Net income attributable to bank
  • $0Net charge-offs
  • $1,885Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $1,078Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 7.17%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 146.34%Credit loss provision to net charge-offs
  • 55.56%Efficiency ratio
  • 61,311Assets per employee
  • 4.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.19%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 355.12%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 33.52%Net loans and leases to core deposits
  • 34.54%Equity capital to assets
  • 15.80%Core capital (leverage) ratio
  • 14.67%Tier 1 risk-based capital ratio
  • 42.00%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $165,576Average earning assets
  • $26,282Average equity
  • $158,719Average 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
  • $59,415Managed Assets
  • 1Number of Accounts
  • $42,405Personal trust and agency accounts
  • $15,812Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $373Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,046Other fiduciary accounts
  • $22,848Fiduciary accounts held in foreign offices
  • $2,326Non-managed Assets
  • 188Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $17,010Other retirement accounts
  • $1,320Corporate trust and agency accounts
  • $8,332Other fiduciary accounts
  • $4,706Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06993The Fidelity State Bank And Trust Co510 North Second Avenue, Dodge City, KS 67801January 02, 1933Full Service Brick and Mortar
    1223090Drive-In-walk-up Branch312 Gunsmoke Street, Dodge City, KS 67801April 15, 1963Limited Service Facility
    2223091Central Facility1801 Central, Dodge City, KS 67801March 24, 1975Full Service Brick and Mortar

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