2021 Strategic Planning Conference

Assets

Bank Profile - Cover - Overview

BANK PROFILE Fidelity Bank (West Des Moines, Iowa)

CONTENTS * Asset information (including size and growth) * Capital and concentrations

* Earnings * Liquidity * Interest Rate Risk

DATA SOURCE: Call Reports PEER INFORMATION: Comparisons are made to MEDIAN ratios for all U.S. banks and the state of the selected bank. Chart colors are consistent throughout the report. Bank = Purple State median = Blue All U.S. banks median = orange DATE FILTERS: Slider format within the Chapter filter is used to select a date range for all charts using a data range. Drop-down format is used when only one quarter should be selected.

Check-boxes format is used for ratios based on cumulative year-to-date earnings and loss figures. The suggestion for these is to select Q4 of prior years and the current quarter.

1 / 17

Assets

Bank Profile - Asset Size & Growth - Overview

ASSET SIZE & GROWTH

Fidelity Bank (West Des Moines, Iowa)

Asset Size - Bank vs. State Median

Asset Growth

$120M

Quarter

2021Q2

Total Assets

State Median

$100M

$240M

$80M

$208,808,500

$200M

$60M

$160M

$40M Total Assets

$120M

$108,573,000

$20M

$80M

$40M

2008Q2

2008Q4

2009Q2

2009Q4

2010Q2

2010Q4

2011Q2

2011Q4

2012Q2

2012Q4

2013Q2

2013Q4

2014Q2 Quarter

2014Q4

2015Q2

2015Q4

2016Q2

2016Q4

2017Q2

2017Q4

2018Q2

2018Q4

2019Q2

2019Q4

2020Q2

2020Q4

2021Q2

Asset Growth Rate

35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% (5.0%) (10.0%) (15.0%)

31.7%

23.9%

22.7%

18.5%

16.0%

18.6%

20.8%

17.5%

12.8%

9.2% 9.3% 7.8%

8.9%

14.1%

11.1%

Metrics

7.5%

8.6%

8.5%

8.2%

6.7%

3.9%

3.1%

8.4%

Bank State All Banks

1.5%

3.8%

0.3%

0.5%

2.7%

1.7%

1.3%

(0.2%)

(1.0%)

1.3% 1.1%

1.0%

(1.8%)

0.2%

(0.5%)

(1.4%)

(4.3%)

(2.7%)

(5.5%)

(3.6%)

(6.8%)

(10.0%)

(7.7%)

(11.8%)

2008Q2

2008Q3

2008Q4

2009Q1

2009Q2

2009Q3

2009Q4

2010Q1

2010Q2

2010Q3

2010Q4

2011Q1

2011Q2

2011Q3

2011Q4

2012Q1

2012Q2

2012Q3

2012Q4

2013Q1

2013Q2

2013Q3

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

2019Q1

2019Q2

2019Q3

2019Q4

2020Q1

2020Q2

2020Q3

2020Q4

2021Q1

2021Q2

Asset Size Date

The risk management practices suggested in regulatory guidance are often based on the size and risk profile of a bank, making it important to be aware of the relative size of a bank. Something to keep in mind is that it can be difficult to achieve asset growth without taking on risk. E.g. loosening loan underwriting standards to grow loan volume, funding asset growth with wholesale sources, etc.

2021Q2

2 / 17