Fidelity Federal Savings and Loan Association of Delaware in city_name, state_name

Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)
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Fidelity Federal Savings and Loan Association of Delaware - Overview

General
FDIC Certificate #: 29521
Status: Active
Federal Reserve ID: 446176
Date Established: January 01, 1887
WWW: http://www.fidfedsl.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 3587
FDIC's unique #: 42355
Numeric code: 37
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 10, 1936
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: 60 North Sandusky St, Delaware, OH 43015
County: Delaware
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Columbus, OH (#1840)
Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
Core Based Statistical Area (CBSA): Columbus, OH (#18140)
CBSA Metro Statistical Area: Columbus, OH (#18140)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $103.4 mil
Equity capital: $12.6 mil
Deposits held in domestic offices: $90.1 mil
Return on assets (ROA): 0.73% ($0.8 mil)
Quarterly return on assets: 0.61% ($0.6 mil)
Return on Equity (ROE): 6.19% ($0.8 mil)
Quarterly return on equity: 5.01% ($0.7 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.06% ($1,095.7 mil)
Quarterly Pretax return on assets: 0.93% ($961.3 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
19Total employees (full-time equivalent)
$103,368Total assets
$13,082Cash and due from depository institutions
$9,476Interest-bearing balances
$29,974Securities
$0Federal funds sold & reverse repurchase agreements
$55,356Net loans & leases
$372Loan loss allowance
$0Trading account assets
$1,935Bank premises and fixed assets
$1,394Other real estate owned
$8Goodwill and other intangibles
$103,368Life insurance assets
$1,619All other assets
$90,768Total liabilities and capital
$90,114Total liabilities
$90,114Total deposits
$90,114Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$654Subordinated debt
$12,600All other liabilities
$12,600Total equity capital
$12,600Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$12,599Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,552Income earned, not collected on loans
$0Earning assets
$382Long-term assets (5+ years)
$94,806Average Assets, year-to-date
$0Average Assets, quarterly
$101,054Volatile liabilities
$102,878Insider loans
$41,702FHLB advances
$102,438Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,991Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,456Restructured Loans and leases
$688Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,185Total interest income
$782Total interest expense
$3,403Net interest income
$160Provision for loan and lease losses
$219Total noninterest income
$0Fiduciary activities
$100Service charges on deposit accounts
$0Trading account gains & fees
$119Additional noninterest income
$2,402Total noninterest expense
$1,177Salaries and employee benefits
$535Premises and equipment expense
$690Additional noninterest expense
$1,060Pre-tax net operating income
$16Securities gains (losses)
$337Applicable income taxes
$739Income before extraordinary items
$0Extraordinary gains - net
$739Net income attributable to bank
$0Net charge-offs
$739Cash dividends
$60Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
0.86%Cost of funding earning assets
3.76%Net interest margin
0.24%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
0.72%Net operating income to assets
0.73%Return on assets (ROA)
1.06%Pretax return on assets
6.19%Return on equity (ROE)
6.19%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
266.67%Credit loss provision to net charge-offs
20.33%Efficiency ratio
66,317Assets per employee
5.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.67%Loss allowance to noncurrent loans
23.97%Noncurrent assets plus other real estate owned to assets
2.85%Noncurrent loans to loans
2.78%Net loans and leases to deposits
61.43%Net loans and leases to core deposits
62.37%Equity capital to assets
12.19%Core capital (leverage) ratio
11.71%Tier 1 risk-based capital ratio
28.75%Total risk-based capital ratio
Memoranda
$30Average assets
$101,054Average earning assets
$11,935Average equity
$90,490Average loans

List of branches

2 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	42355	Fidelity Federal Savings And Loan As	60 North Sandusky St, Delaware, OH 43015	January 01, 1887	Full Service Brick and Mortar
1	275333	Route 37 West Branch	1940 State Route 37 West, Delaware, OH 43015	January 01, 1887	Full Service Brick and Mortar

Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Federal Savings and Loan Association of Delaware - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Federal Savings and Loan Association of Delaware - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fidelity Federal Savings and Loan Association of Delaware in Delaware, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches