2021 Strategic Planning Conference

Assets

Bank Profile - Asset Mix - Overview

ASSET MIX

Fidelity Bank (West Des Moines, Iowa)

Asset Mix (% of Assets)

Asset Mix Over Time

100%

Q...

2021Q2

80%

9.0%

60%

Metrics

13.5%

Other Highly Liquid Securities Loans

1.9%

40%

20%

75.6%

2008Q2

2008Q4

2009Q2

2009Q4

2010Q2

2010Q4

2011Q2

2011Q4

2012Q2

2012Q4

2013Q2

2013Q4

2014Q2

2014Q4

2015Q2

2015Q4

2016Q2

2016Q4

2017Q2

2017Q4

2018Q2

2018Q4

2019Q2

2019Q4

2020Q2

2020Q4

2021Q2

Asset Mix - Subject Bank vs. State Averages

Q...

2021Q2

Loans-Bank

Loans-State

Securities-Bank

Securities-State

Highly Liquid-Bank Highly Liquid-State

Other-Bank

Other-State

10.0% 40.0% 30.0% 20.0% 80.0% 70.0% 60.0% 50.0%

75.6%

58.7%

20.2%

16.5%

13.5%

9.0%

4.4%

1.9%

Asset Mix Date

Evaluating the overall asset mix can provide insight into the risk profile of a bank. Loans are generally the highest-risk asset category.

2021Q2

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Assets

Bank Profile - Loan Growth - Overview

LOAN GROWTH

Fidelity Bank (West Des Moines, Iowa)

Loan Volume by Category

100M

80M

Metrics

60M

Other Agricultural Consumer 1-4 Family Commercial CRE

40M

20M

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

Loan Growth Rate

50.0%

49.2%

42.3%

41.3%

35.9%

40.0%

30.0%

28.9% 24.6%

28.5%

21.9%

20.8%

20.0%

14.4%

22.2%

12.5%

Metrics

18.7%

14.3%

10.8%

10.0%

9.4%

4.8% 3.9%

7.5%

Bank State All Banks

3.3%

10.1%

4.0%

(0.6%)

2.0%

0.7%

(3.9%)

0.0%

(4.6%)

1.2% (0.6%)

(6.6%)

(3.5%)

(4.0%)

(1.4%)

(2.0%)

(3.1%)

(4.0%)

(8.9%)

(10.0%)

(8.9%)

(10.3%)

(10.7%)

(14.5%)

(20.0%)

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

If strong loan growth is occuring, consider how this is being achieved. E.g. loosening underwriting standards, new market areas or new lending niche, etc.

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