2021 Strategic Planning Conference

Assets

Bank Profile - Loan Concentrations - Overview

POSSIBLE LENDING CONCENTRATIONS (% of Tier 1 Capital + ALLL)

Fidelity Bank (West Des Moines, Iowa)

Possible Concentrations (% of Tier One Capital + ALLL)

Q...

2021Q2

CRE

Agricultural

Commercial

156%

140%

100%

60%

29%

20%

7%

Concentration Levels Over Time

450% 350% 250% 150% 50% 100% 20% CRE Agricultural Commercial 60% 20% 100% 60%

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

Concentration Level Date

The horizontal dotted lines correspond to the concentration threshold of 100% of Tier One Capital and reserves. Note that for this calculation CRE does not include owner occupied properties.

2021Q2

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Assets

Bank Profile - CRE Mix & Growth - Overview

CRE MIX & GROWTH

Fidelity Bank (West Des Moines, Iowa)

Commercial Real Estate Mix (% of Total CRE)

CRE Loan Volume and Mix Over Time

32M

CRE Mix and Subsets Date

28M

2021Q2

24M

■ Multifamily

20M

■ Non Owner Occ.

16M

■ Owner Occ.

12M

5.1%

■ Other Construction

8M

12.1%

4M

■ 1-4 Family Const.

9.5%

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

CRE Subsets as % of Tier 1 Capital + ALLL

56.4%

Q...

2021Q2

Construction

Non Owner Occupied

Multifamily

16.9%

140%

126%

120%

100%

80%

60%

40%

21%

20%

9%

For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart.

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