2021 Strategic Planning Conference

Assets

Bank Profile - AQ Ratios - Level - Overview

ASSET QUALITY RATIOS - LEVEL

Fidelity Bank (West Des Moines, Iowa)

Texas Ratio

Nonaccrual to Total Loans

Q...

2021Q2

Q...

2021Q2

0.35%

3.38%

0.32%

3.50%

3.34%

0.30%

3.00%

0.25%

2.50%

2.12%

0.20%

2.00%

0.16%

0.15%

1.50%

0.12%

0.10%

1.00%

0.05%

0.50%

Bank

State

All Banks

Bank

State

All Banks

ALLL to Total Loans

Total Past Due (>30 Days) to Total Loans

Q...

2021Q2

Q...

2021Q2

0.76%

0.10% 0.30% 0.20% 0.40% 0.80% 0.70% 0.60% 0.50%

1.35%

0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40%

1.31%

0.67%

0.67%

0.92%

Bank

State

All Banks

Bank

State

All Banks

Date for Asset Quality Ratios

High levels of delinquent and nonaccrual loans are often a sign of asset quality problems. Call Report Instructions state loans should be placed on nonaccrual status if they are over 90 days past due unless they are both well-secured and in the process of collection.

2021Q2

12 / 17

Assets

Bank Profile - Calculations - Overview

ASSETS - CALCULATIONS GLOSSARY

Fidelity Bank (West Des Moines, Iowa)

Asset Size & Asset Growth Asset Growth Rate Asset Mix

Total assets (UBPR2170) Total assets growth rate (UBPR7316) • Loans = Net loans (UBPRE348) • Securities = All AFS & HTM securities (UBPRE352+UBPRE353) • Highly Liquid = Interest-bearing balances, Federal Funds Sold, Cash & due; (UBPRE349 + UBPRE350 + UBPRE355) • Other = Trading Assets, Premises & fixed assets, Other real estate owned, Other assets (UBPRE351 + UBPRE356 + UBPRE357 + UBPRE358)

Loan Volume Loan Growth Rate Loan Mix Non-Construction Real Estate Loans Land Development Loans CRE Mix and Volume

Same as Asset Mix Net loans and leases growth rate (UBPRE027) Same as Asset Mix Non-Construction Real Estate Loans % of Loans = Real estate loans/average loans less Construction and development loans/average loans (UBPRE420 - UBPRE414) Land Development Loans % of Loans = Other construction and land development loans/average loans (UBPRE394) 1-4 family construction (RCONF158), Other construction and land development loans (RCONF159), Owner occupied (RCONF160), Non owner occupied (RCONF161), and Multifamily loans (RCON1460) Farmland loans (RCON1420) and Agricultural production and other loans to farmers (RCON1590) Farmland (UBPRE880); Agricultural loans (UBPRE886) • CRE = Non-owner occupied commercial real estate (UBPRD647) • Agricultural = Farmland (UBPRE880) and Agricultural loans (UBPRE886) • Commercial = Commercial and industrial loans (UBPRE887) Net loss to average total loans (UBPRE019) Losses by loan type (each as percent of loan type): Construction (UBPRE019); Non-construction CRE = nonfarm nonresidential and multifamily (UBPRE404 + UBPRE405); Commercial (UBPRE408); 1-4 Family (UBPRE401); Consumer (UBPRE410); Agricultural = Farmland and agricultural (UBPRE400 + UBPRE407) Current year loan recoveries / prior year gross loan losses (UBPRE388) Restructured loans + Nonaccrual loans + Other real estate owned / Equity capital + ALLL (UBPRE026) Nonaccrual loans / Total loans (UBPRE542) Past due loans / Total loans (UBPRE547) Allowance for loan and lease losses / Total loans (UBPRE023) Other Real Estate Owned / Average Total Assets (UBPRE130 / RCON3368) - this is a custom ratio RIAD5415 • U.S. Treasury & Agency bonds (UBPRM027) • Municipal bonds (UBPRM028 • Pass-through mortgage-backed securities (UBPRM029) • Collateralized mortgage obligations (UBPRM030) • Commerical MBS (UBPRM031) • Asset-backed securities (UBPRM032) • Corporates & other domestic debt securities (UBPRM034) • Other securities = Structured financial products + Foreign debt securities + Mutual funds and other marketable securities (UBPRM033 + UBPRM035 + UBPRM036) Construction and development (UBPRD490); Non-owner occupied commercial real estate (UBPRE392); Multifamily (UBPR E881)

CRE Subsets % of Tier 1 Capital + ALLL

Agricultural Mix and Volume Ag Subsets % of Tier 1 Capital + ALLL Concentrations

Loan Loss History

Recoveries to Prior Credit Losses Texas Ratio Nonaccrual to Total Loans Total Past Due to Total Loans ALLL to Total Loans OREO / Average Total Assets OREO Gains/Losses Securities Mix

16 / 17