Fidelity Bank (MN)

Fidelity Bank (MN) is headquartered in Edina and is the 34^th largest bank in the state of Minnesota. It is also the 1,821^st largest bank in the nation. It was established in 1970 and as of March of 2012, it had grown to 46 employees at 2 locations. Fidelity Bank (MN) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Fidelity Bank FDIC Certificate # 20268 BankRate Report View Year Established 1970 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $365.63 million Loans $280.60 million Deposits $281.26 million Equity Capital $71.01 million Loan Loss Allowance $5.53 million Unbacked Noncurrent Loans $1.96 million Historic Data - March 2011 Assets $329.22 million Equity Capital $67.40 million Loan Loss Allowance $5.84 million Unbacked Noncurrent Loans $114,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 2% Return on Equity 11.2% Interest Income $3.71 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fidelity Bank (MN) had $1.96 million in non-current loans and owned real-estate with $76.54 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank (MN) a Texas Ratio of 2.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity Bank (MN) held steady from 0.16% as of March 31, 2011 to 2.56% as of March 31, 2012, resulting in a negative change of 1,543.58%. This indicates that the balance sheet and financial strength for Fidelity Bank (MN) has held steady in recent periods. Deposit Growth In the past year, Fidelity Bank (MN) has increased its total deposits by $27.61 million, resulting in 10.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fidelity Bank (MN) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fidelity Bank (MN) has $365.63 million in assets with $76.54 million in equity, resulting in a capitalization level of 20.93%, which is excellent.

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