Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 4,915 |
| Cost of funding earning assets | 0.9930% | 5,726 |
| Net interest margin | 3.9283% | 3,356 |
| Noninterest income to average assets | 0.0588% | 7,071 |
| Noninterest expense to average assets | 2.8371% | 4,449 |
| Loan and lease loss provision to assets | 0.3743% | 3,881 |
| Net operating income to assets | 0.2847% | 4,980 |
| Return on assets (ROA) | 0.2045% | 5,424 |
| Pretax return on assets | 0.3077% | 5,212 |
| Return on Equity (ROE) | 1.5316% | 5,550 |
| Retained earnings to average equity (ytd only) | 0.1566% | 5,499 |
| Net charge-offs to loans | 0.3260% | 4,384 |
| Credit loss provision to net charge-offs | 154.8649% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.3243% | 3,417 |
| Efficiency ratio | 77.2116% | 2,837 |
| Assets per employee ($millions) | 6.0308% | 1,192 |
| Cash dividends to net income (ytd only)* | 89.7764% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,659 |
| Loan loss allowance to noncurrent loans | 108.6798% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 4,163 |
| Noncurrent loans to loans | 1.2606% | 4,607 |
| Net loans and leases to total assets | 74.1094% | 1,640 |
| Net loans and leases to deposits | 87.2620% | 1,899 |
| Net loans and leases to core deposits | 99.9031% | 1,624 |
| Total domestic deposits to total assets | 84.9275% | 3,895 |
| Equity capital to assets | 14.6435% | 872 |
| Core capital (leverage) ratio | 12.6455% | 1,260 |
| Tier 1 risk-based capital ratio | 18.0570% | 1,980 |
| Total risk-based capital ratio | 19.3091% | 1,943 |
| Memoranda: | ||
| Average total assets | $153,081,000 | 3,825 |
| Average earning assets | $139,575,200 | 3,827 |
| Average equity | $20,435,600 | 3,088 |
| Average total loans | $113,491,200 | 3,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 5,308 |
| Cost of funding earning assets | 0.9917% | 5,973 |
| Net interest margin | 3.9001% | 3,522 |
| Noninterest income to average assets | 0.0103% | 7,411 |
| Noninterest expense to average assets | 2.7041% | 4,865 |
| Loan and lease loss provision to assets | 0.2535% | 4,553 |
| Net operating income to assets | 0.4608% | 4,487 |
| Return on assets (ROA) | 0.4717% | 4,633 |
| Pretax return on assets | 0.6290% | 4,492 |
| Return on Equity (ROE) | 3.6155% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.8516% | 4,429 |
| Net charge-offs to loans | 0.2616% | 4,382 |
| Credit loss provision to net charge-offs | 131.1111% | 3,078 |
| Earnings coverage of net charge-offs (x) | 4.4889% | 3,030 |
| Efficiency ratio | 74.9820% | 3,148 |
| Assets per employee ($millions) | 6.4783% | 978 |
| Cash dividends to net income (ytd only)* | 21.1290% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,415 |
| Loan loss allowance to noncurrent loans | 1,357.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 6,106 |
| Noncurrent loans to loans | 0.0895% | 7,008 |
| Net loans and leases to total assets | 70.9601% | 2,499 |
| Net loans and leases to deposits | 82.7748% | 2,951 |
| Net loans and leases to core deposits | 94.2781% | 2,489 |
| Total domestic deposits to total assets | 85.7267% | 3,233 |
| Equity capital to assets | 13.8212% | 1,232 |
| Core capital (leverage) ratio | 12.8750% | 1,275 |
| Tier 1 risk-based capital ratio | 17.7727% | 2,088 |
| Total risk-based capital ratio | 19.0049% | 2,057 |
| Memoranda: | ||
| Average total assets | $155,166,250 | 3,841 |
| Average earning assets | $141,703,750 | 3,838 |
| Average equity | $20,245,750 | 3,155 |
| Average total loans | $114,675,000 | 3,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 5,196 |
| Cost of funding earning assets | 1.0009% | 6,137 |
| Net interest margin | 3.9457% | 3,253 |
| Noninterest income to average assets | 0.0400% | 7,382 |
| Noninterest expense to average assets | 2.6944% | 4,932 |
| Loan and lease loss provision to assets | 0.2515% | 4,408 |
| Net operating income to assets | 0.5327% | 4,184 |
| Return on assets (ROA) | 0.5327% | 4,335 |
| Pretax return on assets | 0.7042% | 4,219 |
| Return on Equity (ROE) | 4.1651% | 4,705 |
| Retained earnings to average equity (ytd only) | 2.9953% | 4,215 |
| Net charge-offs to loans | 0.3510% | 3,599 |
| Credit loss provision to net charge-offs | 96.0591% | 4,233 |
| Earnings coverage of net charge-offs (x) | 3.6502% | 3,226 |
| Efficiency ratio | 73.1095% | 3,638 |
| Assets per employee ($millions) | 6.0504% | 1,195 |
| Cash dividends to net income (ytd only)* | 28.0872% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,843 |
| Loan loss allowance to noncurrent loans | 222.8223% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 6,013 |
| Noncurrent loans to loans | 0.5033% | 6,245 |
| Net loans and leases to total assets | 74.5529% | 1,800 |
| Net loans and leases to deposits | 87.2230% | 2,300 |
| Net loans and leases to core deposits | 92.7185% | 2,887 |
| Total domestic deposits to total assets | 85.4739% | 3,381 |
| Equity capital to assets | 14.1010% | 1,131 |
| Core capital (leverage) ratio | 12.8040% | 1,280 |
| Tier 1 risk-based capital ratio | 17.4008% | 2,132 |
| Total risk-based capital ratio | 18.5437% | 2,136 |
| Memoranda: | ||
| Average total assets | $155,062,000 | 3,870 |
| Average earning assets | $141,877,670 | 3,868 |
| Average equity | $19,831,330 | 3,195 |
| Average total loans | $115,671,670 | 3,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 5,220 |
| Cost of funding earning assets | 0.9868% | 6,434 |
| Net interest margin | 3.9668% | 3,015 |
| Noninterest income to average assets | 0.0408% | 7,512 |
| Noninterest expense to average assets | 2.6707% | 5,058 |
| Loan and lease loss provision to assets | 0.2548% | 4,005 |
| Net operating income to assets | 0.5887% | 3,943 |
| Return on assets (ROA) | 0.5887% | 4,088 |
| Pretax return on assets | 0.7620% | 4,020 |
| Return on Equity (ROE) | 4.8421% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.9827% | 3,757 |
| Net charge-offs to loans | 0.4601% | 2,668 |
| Credit loss provision to net charge-offs | 74.6269% | 4,001 |
| Earnings coverage of net charge-offs (x) | 2.9776% | 3,063 |
| Efficiency ratio | 71.7346% | 3,979 |
| Assets per employee ($millions) | 5.8700% | 1,359 |
| Cash dividends to net income (ytd only)* | 17.7489% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 6,057 |
| Loan loss allowance to noncurrent loans | 1,407.8652% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 6,778 |
| Noncurrent loans to loans | 0.0773% | 7,201 |
| Net loans and leases to total assets | 74.6370% | 1,822 |
| Net loans and leases to deposits | 85.7441% | 2,634 |
| Net loans and leases to core deposits | 94.4739% | 2,771 |
| Total domestic deposits to total assets | 87.0463% | 2,607 |
| Equity capital to assets | 12.5685% | 1,714 |
| Core capital (leverage) ratio | 11.1254% | 2,147 |
| Tier 1 risk-based capital ratio | 15.3324% | 2,951 |
| Total risk-based capital ratio | 16.4449% | 2,973 |
| Memoranda: | ||
| Average total assets | $156,963,500 | 3,895 |
| Average earning assets | $144,298,000 | 3,865 |
| Average equity | $19,082,500 | 3,315 |
| Average total loans | $116,484,000 | 3,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 6,895 |
| Cost of funding earning assets | 1.1919% | 6,683 |
| Net interest margin | 3.6334% | 4,412 |
| Noninterest income to average assets | 0.0385% | 7,555 |
| Noninterest expense to average assets | 2.6748% | 5,503 |
| Loan and lease loss provision to assets | 0.3418% | 4,746 |
| Net operating income to assets | 0.3177% | 4,464 |
| Return on assets (ROA) | 0.3848% | 4,290 |
| Pretax return on assets | 0.4515% | 4,346 |
| Return on Equity (ROE) | 3.3904% | 4,337 |
| Retained earnings to average equity (ytd only) | 1.6387% | 3,937 |
| Net charge-offs to loans | 0.3578% | 4,437 |
| Credit loss provision to net charge-offs | 131.9307% | 3,809 |
| Earnings coverage of net charge-offs (x) | 2.7574% | 3,719 |
| Efficiency ratio | 78.1646% | 3,167 |
| Assets per employee ($millions) | 5.7610% | 1,412 |
| Cash dividends to net income (ytd only)* | 51.6667% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,932 |
| Loan loss allowance to noncurrent loans | 436.2712% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 6,468 |
| Noncurrent loans to loans | 0.2504% | 6,794 |
| Net loans and leases to total assets | 72.2331% | 2,695 |
| Net loans and leases to deposits | 82.2140% | 3,589 |
| Net loans and leases to core deposits | 101.5585% | 3,841 |
| Total domestic deposits to total assets | 87.8598% | 2,036 |
| Equity capital to assets | 11.7682% | 2,157 |
| Core capital (leverage) ratio | 10.4737% | 2,636 |
| Tier 1 risk-based capital ratio | 14.6200% | 3,146 |
| Total risk-based capital ratio | 15.7282% | 3,176 |
| Memoranda: | ||
| Average total assets | $155,935,400 | 3,863 |
| Average earning assets | $143,803,000 | 3,820 |
| Average equity | $17,697,200 | 3,551 |
| Average total loans | $112,898,600 | 3,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 7,118 |
| Cost of funding earning assets | 1.2556% | 6,698 |
| Net interest margin | 3.5472% | 4,682 |
| Noninterest income to average assets | 0.0224% | 7,761 |
| Noninterest expense to average assets | 2.5977% | 5,719 |
| Loan and lease loss provision to assets | 0.2958% | 4,607 |
| Net operating income to assets | 0.3884% | 4,444 |
| Return on assets (ROA) | 0.5641% | 3,820 |
| Pretax return on assets | 0.5822% | 4,245 |
| Return on Equity (ROE) | 5.0184% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.4045% | 2,811 |
| Net charge-offs to loans | 0.3236% | 4,016 |
| Credit loss provision to net charge-offs | 126.5683% | 3,972 |
| Earnings coverage of net charge-offs (x) | 2.9816% | 3,744 |
| Efficiency ratio | 78.0628% | 3,158 |
| Assets per employee ($millions) | 5.9153% | 1,271 |
| Cash dividends to net income (ytd only)* | 12.2319% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,258 |
| Loan loss allowance to noncurrent loans | 8,785.7143% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 6,982 |
| Noncurrent loans to loans | 0.0114% | 7,501 |
| Net loans and leases to total assets | 73.1386% | 2,755 |
| Net loans and leases to deposits | 82.9201% | 3,842 |
| Net loans and leases to core deposits | 112.9313% | 2,938 |
| Total domestic deposits to total assets | 88.2037% | 1,559 |
| Equity capital to assets | 11.5977% | 2,507 |
| Core capital (leverage) ratio | 10.6127% | 2,700 |
| Tier 1 risk-based capital ratio | 14.3664% | 3,347 |
| Total risk-based capital ratio | 14.3664% | 4,046 |
| Memoranda: | ||
| Average total assets | $154,592,500 | 3,901 |
| Average earning assets | $142,607,250 | 3,877 |
| Average equity | $17,375,750 | 3,632 |
| Average total loans | $111,672,250 | 3,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 7,528 |
| Cost of funding earning assets | 1.3490% | 6,651 |
| Net interest margin | 3.2554% | 5,714 |
| Noninterest income to average assets | 0.0437% | 7,765 |
| Noninterest expense to average assets | 2.5710% | 5,855 |
| Loan and lease loss provision to assets | 0.2955% | 4,199 |
| Net operating income to assets | 0.2849% | 4,965 |
| Return on assets (ROA) | 0.3485% | 4,800 |
| Pretax return on assets | 0.2438% | 5,341 |
| Return on Equity (ROE) | 3.1376% | 4,848 |
| Retained earnings to average equity (ytd only) | 2.1832% | 4,127 |
| Net charge-offs to loans | 0.3737% | 3,323 |
| Credit loss provision to net charge-offs | 110.3960% | 4,194 |
| Earnings coverage of net charge-offs (x) | 1.7772% | 4,225 |
| Efficiency ratio | 83.5146% | 2,540 |
| Assets per employee ($millions) | 6.1929% | 1,099 |
| Cash dividends to net income (ytd only)* | 30.4183% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 6,997 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.5268% | 2,833 |
| Net loans and leases to deposits | 82.9529% | 4,051 |
| Net loans and leases to core deposits | 113.6363% | 2,953 |
| Total domestic deposits to total assets | 88.6368% | 1,469 |
| Equity capital to assets | 11.2178% | 2,740 |
| Core capital (leverage) ratio | 11.0482% | 2,367 |
| Tier 1 risk-based capital ratio | 12.0562% | 4,870 |
| Total risk-based capital ratio | 12.9012% | 5,172 |
| Memoranda: | ||
| Average total assets | $150,914,000 | 3,978 |
| Average earning assets | $139,216,670 | 3,963 |
| Average equity | $16,764,670 | 3,763 |
| Average total loans | $108,107,000 | 3,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 7,442 |
| Cost of funding earning assets | 1.5997% | 6,028 |
| Net interest margin | 3.1475% | 6,029 |
| Noninterest income to average assets | 0.0476% | 7,848 |
| Noninterest expense to average assets | 2.5608% | 5,609 |
| Loan and lease loss provision to assets | 0.0925% | 5,774 |
| Net operating income to assets | 0.2313% | 5,558 |
| Return on assets (ROA) | 0.2802% | 5,540 |
| Pretax return on assets | 0.3362% | 5,571 |
| Return on Equity (ROE) | 2.5367% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.7757% | 4,863 |
| Net charge-offs to loans | -0.0040% | 7,156 |
| Credit loss provision to net charge-offs | -3,300.0000% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4245% | 2,026 |
| Assets per employee ($millions) | 5.4054% | 1,639 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,817 |
| Loan loss allowance to noncurrent loans | 492.5620% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 6,295 |
| Noncurrent loans to loans | 0.2432% | 6,839 |
| Net loans and leases to total assets | 67.3509% | 4,279 |
| Net loans and leases to deposits | 76.3073% | 5,177 |
| Net loans and leases to core deposits | 96.4689% | 4,912 |
| Total domestic deposits to total assets | 88.2628% | 1,602 |
| Equity capital to assets | 10.7903% | 3,197 |
| Core capital (leverage) ratio | 9.3784% | 4,134 |
| Tier 1 risk-based capital ratio | 12.3701% | 4,641 |
| Total risk-based capital ratio | 13.4460% | 4,697 |
| Memoranda: | ||
| Average total assets | $142,767,500 | 4,132 |
| Average earning assets | $130,772,500 | 4,139 |
| Average equity | $15,768,500 | 3,992 |
| Average total loans | $100,100,000 | 4,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 6,542 |
| Cost of funding earning assets | 2.4749% | 4,334 |
| Net interest margin | 3.2896% | 6,077 |
| Noninterest income to average assets | 0.0683% | 7,807 |
| Noninterest expense to average assets | 2.7295% | 5,131 |
| Loan and lease loss provision to assets | 0.3297% | 3,751 |
| Net operating income to assets | -0.0648% | 6,462 |
| Return on assets (ROA) | 0.0186% | 6,171 |
| Pretax return on assets | 0.1187% | 5,908 |
| Return on Equity (ROE) | 0.1502% | 6,178 |
| Retained earnings to average equity (ytd only) | -0.2253% | 5,350 |
| Net charge-offs to loans | 0.1364% | 4,858 |
| Credit loss provision to net charge-offs | 357.1429% | 1,248 |
| Earnings coverage of net charge-offs (x) | 3.4454% | 4,367 |
| Efficiency ratio | 88.5438% | 1,628 |
| Assets per employee ($millions) | 5.8162% | 1,255 |
| Cash dividends to net income (ytd only)* | 250.0000% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,920 |
| Loan loss allowance to noncurrent loans | 554.0670% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 6,044 |
| Noncurrent loans to loans | 0.2075% | 6,767 |
| Net loans and leases to total assets | 71.3194% | 3,725 |
| Net loans and leases to deposits | 80.7125% | 4,922 |
| Net loans and leases to core deposits | 104.5022% | 4,348 |
| Total domestic deposits to total assets | 88.3623% | 1,309 |
| Equity capital to assets | 11.3111% | 2,793 |
| Core capital (leverage) ratio | 10.3041% | 3,172 |
| Tier 1 risk-based capital ratio | 13.0268% | 4,093 |
| Total risk-based capital ratio | 14.1288% | 4,103 |
| Memoranda: | ||
| Average total assets | $128,887,200 | 4,311 |
| Average earning assets | $116,731,000 | 4,347 |
| Average equity | $15,975,600 | 3,931 |
| Average total loans | $87,223,800 | 4,304 |