Fidelity Federal Savings and Loan Association

Fidelity Federal Savings and Loan Association is headquartered in Delaware and is the 152^nd largest bank in the state of Ohio. It is also the 4,828^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 18 employees at 2 locations. Fidelity Federal Savings and Loan Association has a 4-star health rating.

Fidelity Federal Savings and Loan Association Checking Account Rates

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Fidelity Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Fidelity Federal Savings and Loan Association of Delaware OTS # 03587 FDIC Certificate # 29521 BankRate Report View Year Established 1887 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $104.97 million Loans $54.10 million Deposits $91.40 million Equity Capital $12.76 million Loan Loss Allowance $422,000 Unbacked Noncurrent Loans $1.74 million Real Estate Owned $1.39 million Historic Data - March 2011 Assets $99.70 million Equity Capital $11.49 million Loan Loss Allowance $280,000 Unbacked Noncurrent Loans $176,000 Real Estate Owned $1.56 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.85% Return on Equity 7% Interest Income $1.02 million

Institution Health Overall Score: 4 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 Federal Savings and Loan Association had $3.13 million in non-current loans and owned real-estate with $13.18 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Federal Savings and Loan Association a Texas Ratio of 23.78% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity Federal Savings and Loan Association increased slightly from 14.77% as of March 31, 2011 to 23.78% as of March 31, 2012, resulting in a negative change of 60.98%. This indicates that the balance sheet and financial strength for Fidelity Federal Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Fidelity Federal Savings and Loan Association has increased its total deposits by $3.64 million, resulting in 4.15% 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 Federal Savings and Loan Association has shown is above average. 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 Federal Savings and Loan Association has $104.97 million in assets with $13.18 million in equity, resulting in a capitalization level of 12.56%, which is excellent.

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