371 Van Ness Way, Suite 110
Torrance, California 90501
310.676.3300
info@institutionalriskanalytics.com
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371 Van Ness Way, Suite 110 Torrance, California 90501 310.676.3300 info@institutionalriskanalytics.com |
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle. The most recent data available in our database is shown. |
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Fidelity Bank, member of holding company DEARBORN BANCORP, INC. as of December-2011 22290 MICHIGAN AVENUE DEARBORN, MI, 48124 Data Source: IRA Bank Monitor. Data in thousands unless otherwise noted. Copyright 2013 Lord, Whalen LLC All Rights Reserved |
Buy reports on live banks, www.IRABankRatings.com |
| Counterparty Quality Score (CQS) Report |
IRA Counterparty Quality Analysis Historial CQS Scores - IRA Bank Stress Index (BSI) Factor - Asset Quality Trouble Factor - FDIC Moral Hazard Factor | 2011 7 1.6 14.5 6.4 | 2011 7 1.5 13.4 6.3 | 2011 7 1.6 13.0 6.2 | 2011 7 1.6 12.7 7.1 | 2010 4 21.8 14.3 7.0 | 2010 4 21.8 14.4 7.0 | 2010 4 22.0 14.5 6.9 | 2010 7 1.7 13.5 6.6 | 2009 4 21.6 10.8 6.4 | 2009 4 21.7 10.0 7.1 | 2009 4 21.4 10.9 7.5 | 2009 4 21.4 8.8 5.1 |
| Historical Performance Table |
IRA Bank Stress Benchmarks Grade Stress Index Number ROA, % ROE, % Efficiency Ratio Goodwill Writedowns Capital Adequacy Position IRA Capital Test T1/RWA RBC/RWA T1/ASSET Risk Based Capital, Total Tier 1 RBC Risk Weighted Assets, Total Basel II Benchmarks Bond Equivalent Defaults, Method 1 B.E.D., Method 2 Default Rate, bp LGD: Loss Given Default, % M: Wt. Avg. Maturity, yr EAD: Exposure At Default, % Economic Capital Analysis EC RAROC, % Tier 1 RBC T1RBC to EC Leverage Bank Tangible Common Equity Percent of Tangible Assets (TCE Ratio) TCE to EC Leverage Regulatory Watch Points Net Income, Period Total Assets Lending Assets Trading Assets Other Assets (incl. Prepaid Assessments) Securities Assets Net Interest Income, YTD Earning Assets, Total Net Interest Margin, Current Qtr - Annualized NIMY, from FDIC 5YR METHOD Total Deposits Brokered Deposits Reciprocal Brokered Deposits Volatile Liabilities, per FDIC FHLB Advances FHLB Advances-to-Assets, percent Brokered to Total Deposits, percent FHLB+BRO+VOLIAB to Assets, percent Gross Defaults, Actual Provision for Loan Losses, Income Statement Actual-to-Provision Ratio Balance Sheet Allowances for Loan Losses Gross Defaults, Total 30-89 Day Assets, Total Guaranteed Portion of 30-89 Over 90 Assets, Total Guaranteed Portion of Over 90 Non-Accrual Assets, Total Guaranteed Portion of NA Real Estate Owned (REO) Total Troubled Assets Troubled Assets % of Total Assets % factored for less 80% GTY Offsets Non-Conforming Assets, Reported Texas Ratio Off Balance Sheet Derivatives, Notional Loss Realization Margin to RBC, bp | 2011 B 1.6 0.1935 4.13 81.9% 0 Under Cap Fail 5.7% 7.0% 4.7% $48,442 $39,585 $690,906 BB BB 120.0 79.97 2.02 8.5 $50,143 0.97% $39,585 0.8:1 $23,147 2.81% 0.46:1 $1,630 $842,509 $665,729 $0 $8,331 $32,058 $33,790 $791,400 4.27% 4.13% $747,640 $0 $0 $76,447 $53,668 6.37% 0.00% 15.44% $7,990 $4,947 1.62:1 $26,528 $7,990 $30,542 $0 $585 $0 $66,400 $194 $16,318 $121,835 14.46% 14.44% $66,985 1.26 $2,471 196,042 | 2011 A 1.5 0.2431 5.20 80.4% 0 Under Cap Fail 5.7% 6.9% 4.7% $48,455 $39,497 $698,554 BB BB 114.3 82.26 2.01 7.5 $51,032 2.16% $39,497 0.8:1 $20,911 2.53% 0.41:1 $1,542 $845,759 $676,863 $0 $8,416 $33,582 $25,597 $792,477 4.31% 4.14% $751,520 $0 $0 $77,288 $53,668 6.35% 0.00% 15.48% $5,802 $3,877 1.50:1 $27,075 $5,802 $18,652 $0 $1,479 $0 $69,053 $194 $18,619 $113,605 13.43% 13.41% $70,532 1.34 $4,723 102,594 | 2011 B 1.6 0.1837 4.12 78.6% 0 Under Cap Fail 5.2% 6.5% 4.5% $48,266 $38,751 $743,611 BB BB 126.8 88.82 1.91 5.9 $52,878 0.34% $38,751 0.7:1 $18,500 2.18% 0.35:1 $796 $866,761 $697,965 $0 $7,918 $62,781 $17,346 $812,560 4.27% 4.15% $773,712 $0 $0 $79,632 $53,668 6.19% 0.00% 15.38% $4,426 $3,036 1.46:1 $27,076 $4,426 $16,300 $0 $1,463 $0 $70,207 $194 $20,104 $112,500 12.98% 12.96% $71,670 1.40 - - | 2011 B 1.6 0.1611 3.89 80.1% 0 Under Cap Fail 5.3% 6.6% 4.3% $47,640 $38,316 $727,239 BB BB 86.7 89.14 1.99 6.9 $53,854 1.15% $38,316 0.7:1 $17,903 2.04% 0.33:1 $361 $896,472 $721,869 $0 $8,627 $53,117 $8,665 $842,871 4.11% 4.09% $794,398 $0 $0 $93,874 $63,668 7.10% 0.00% 17.57% $1,565 $1,395 1.12:1 $27,971 $1,565 $17,989 $196 $236 $0 $74,885 $0 $19,188 $113,863 12.70% 12.68% $75,121 1.45 $749 636,048 | 2010 F 21.8 -0.0014 -0.04 83.3% 0 Under Cap Fail 4.9% 6.2% 4.0% $46,169 $36,580 $748,774 B B 330.4 94.79 2.06 6.8 $55,631 -29.62% $36,580 0.6:1 $90,871 10.14% 1.63:1 $-13 $913,810 $738,607 $0 $17,866 $54,811 $34,471 $852,577 4.04% 3.91% $812,382 $0 $0 $318,036 $63,716 6.97% 0.00% 41.78% $24,404 $15,978 1.53:1 $27,971 $24,404 $18,302 $197 $0 $0 $68,965 $0 $19,099 $130,770 14.31% 14.29% $68,965 0.64 $353 1,307,904 | 2010 F 21.8 -0.0016 -0.04 84.6% 0 Under Cap Fail 5.0% 6.3% 4.2% $48,781 $38,821 $776,902 B B 322.9 95.53 2.11 6.6 $58,661 -22.54% $38,821 0.6:1 $88,520 9.87% 1.51:1 $-11 $914,846 $764,845 $0 $16,561 $46,622 $25,549 $851,908 4.00% 3.84% $809,638 $0 $0 $317,363 $63,716 6.96% 0.00% 41.65% $18,525 $12,403 1.49:1 $29,831 $18,525 $16,016 $199 $0 $0 $75,876 $0 $21,452 $131,869 14.41% 14.40% $75,876 0.70 $572 852,815 | 2010 F 22.0 -0.0026 -0.06 84.0% 0 Under Cap Fail 4.8% 6.1% 4.1% $48,241 $38,046 $794,254 B B 396.4 98.93 2.27 6.7 $100,495 -12.44% $38,046 0.4:1 $89,893 9.84% 0.89:1 $-12 $931,200 $788,097 $0 $15,858 $46,507 $16,694 $870,143 3.84% 3.71% $827,839 $0 $0 $322,106 $63,800 6.85% 0.00% 41.44% $15,621 $11,903 1.31:1 $31,574 $15,621 $20,591 $201 $0 $0 $79,043 $0 $20,080 $135,335 14.53% 14.52% $79,043 0.70 $1,169 412,669 | 2010 B 1.7 0.5347 10.07 83.6% 0 Under Cap Fail 6.2% 7.5% 5.3% $62,120 $51,520 $828,280 BB B 243.3 98.88 2.40 8.2 $102,836 -3.32% $51,520 0.6:1 $91,693 9.65% 0.89:1 $1,295 $968,752 $820,894 $0 $16,372 $46,267 $8,147 $907,828 3.59% 3.56% $852,160 $8,767 $0 $331,641 $63,799 6.59% 1.03% 41.72% $4,993 $100 49.93:1 $30,288 $4,993 $19,510 $203 $1,127 $0 $87,338 $0 $18,292 $131,260 13.55% 13.53% $88,465 0.76 $758 819,525 | 2009 F 21.6 -0.0050 -0.08 90.7% 0 Adequate Warn 7.0% 8.3% 6.1% $71,169 $60,225 $861,299 BB B 299.4 97.14 2.38 9.0 $94,641 -22.07% $60,225 0.7:1 $92,240 9.45% 0.97:1 $-50 $994,481 $839,945 $0 $19,725 $46,300 $31,273 $930,814 3.36% 3.23% $868,060 $17,544 $0 $334,926 $63,855 6.42% 2.02% 41.86% $25,144 $40,863 0.62:1 $25,125 $25,144 $9,714 $205 $0 $0 $55,022 $0 $17,755 $107,635 10.82% 10.81% $55,022 0.54 $1,129 630,372 | 2009 F 21.7 -0.0069 -0.13 92.5% 0 Under Cap Warn 6.3% 7.6% 5.4% $67,163 $55,857 $887,374 BB B 297.6 97.41 2.37 11.1 $67,014 -24.14% $55,857 1.1:1 $98,306 9.62% 1.47:1 $-54 $1,040,324 $867,901 $0 $15,307 $13,910 $23,175 $977,376 3.16% 3.17% $905,091 $36,044 $0 $324,206 $73,855 7.10% 3.98% 41.73% $19,372 $38,555 0.50:1 $28,373 $19,372 $10,020 $0 $0 $0 $62,654 $0 $11,684 $103,730 9.97% 9.97% $62,654 0.54 $1,449 463,513 | 2009 F 21.4 -0.0030 -0.03 90.1% 0 Adequate Warn 7.7% 9.0% 7.1% $82,088 $70,493 $916,791 BB B 245.7 97.56 2.44 10.6 $68,658 -12.04% $70,493 1.6:1 $92,787 9.62% 1.35:1 $-15 $987,653 $886,266 $0 $38,298 $4,007 $15,255 $887,730 3.44% 3.13% $813,299 $61,322 $0 $261,490 $73,955 7.49% 7.54% 40.17% $10,888 $24,356 0.45:1 $22,422 $10,888 $21,687 $209 $0 $0 $61,998 $0 $13,047 $107,620 10.90% 10.88% $61,998 0.59 - - | 2009 F 21.4 -0.0007 -0.01 78.3% 0 Well Cap Pass 9.5% 10.4% 8.3% $98,412 $89,740 $945,346 BB B 261.4 97.71 2.47 16.7 $83,347 -4.86% $89,740 1.6:1 $93,910 8.93% 1.13:1 $-2 $1,074,898 $900,240 $0 $30,130 $46,118 $7,617 $997,764 3.05% 2.98% $907,723 $165,308 $0 $250,261 $54,955 5.11% 18.21% 43.77% $5,883 $5,732 1.03:1 $8,672 $5,883 $15,262 $209 $0 $0 $61,853 $0 $11,738 $94,736 8.81% 8.80% $61,853 0.64 - - |
| All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings. |
