Fidelity D & D Bancorp, Inc. · NASDAQ:FDBC

Fidelity D & D Bancorp — Shareholder Meeting (May 2011)

30 slides from Fidelity D & D Bancorp's shareholder meeting presentation, May 4, 2011

  1. Slide 1: Annual Shareholders' Meeting

    Exhibit 99.1 Fidelity D & D Bancorp, Inc. Annual Shareholders’ Meeting May 3, 2011

  2. Slide 2: County Unemployment Rates January 2011

  3. Slide 3: Fidelity's Community Commitment

    | Fidelity’s Community Commitment = $246,000 direct support of educational improvement to schools in this community = $162 million was lent to businesses, families and individuals doing business and living here in this community = 90% of the deposits that the Bank gathers is lent directly into this

  4. Slide 4: Regulatory Capital Adequacy Ratios

    | Regulatory Capital Adequacy Ratios December 31, 2010 Total - Risk Based Capital 11.9% Tier | - Risk Based Capital 10.6% Leverage 8.2% |

  5. Slide 5: Low Cost Deposits

    Low Cost Deposits ($000) 400,000 300,000 200,000 100,000 2008 Low Cost Deposits 2009 w Deposits 2010

  6. Slide 6: Net Interest Margin

    Fidelity D & D Bancorp, Inc. Net Interest Margin

  7. Slide 7: Mortgage Market Share Summary

    ination Market Share Summary - Windows Internet Explorer teractivex/MortgageMarketshareDetail.aspx?ID =420698Number = 108MortgageRank=38Y ear =20098Market= 18Refreshed= 18View= Help Y ortgage 0... |Fisn. Interactive: Mortgage 0... | Is Companies & Assets Cee. eh ecm § Industry Analysis anization Vie

  8. Slide 8: Voted #1 in Customer Service

    Voted #1 in Customer Service 2010 SAGE Awards Presented by the Greater Scranton Chamber of Commerce

  9. Slide 9: Noninterest Expense

    Fidelity D & D Bancorp, Inc. Noninterest Expense Dollars in Thousands $20,000 + $15,000 + $10,000 + $17,429 $16,536 $5,000 + 2009 2010 Other Operating Expense FDIC Premiums OCredit-related Costs

  10. Slide 10: Supplemental Financial Information

    Fidelity D & D Bancorp, Inc. Supplemental Financial Information First Quarter 2011 and Fiscal Year 2010 Salvatore R. DeFrancesco, Jr., CPA Treasurer and Chief Financial Officer May 3, 2011

  11. Slide 11: Forward-looking Statements

    Forward-looking Statements This presentation contains forward-looking statements that describe our future plans, strategies and expectations. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “be

  12. Slide 12: Income Statement Summary

    Fidelity D & D Bancorp, Inc. Income Statement Summary Dollars in Thousands except per share information Year-To-Date 2010 2009 Variance Net Interest Income $ 20,753 $ 19112 $ 1,641 Provision for Loan Loss 2,085 5,050 (2,965) Net Interest Income after Loan Loss 18,668 14,062 4,606 Net Impairment (Los

  13. Slide 13: Net Interest Margin

    Fidelity D & D Bancorp, Inc. 450% 4.25% 4.00% 3.75% + 3.50% 3.25% + 3.00% + 2.75% 250% Net Interest Margin —e— UBPR Peer Group

  14. Slide 14: Noninterest Expense

    Fidelity D & D Bancorp, Inc. Noninterest Expense Dollars in Thousands $20,000 ~ $15,000 + $10,000 4 | $17,429 $5,000 + 2009. 2010. | Other Operating Expense FDIC Premiums OCredit-related Costs

  15. Slide 15: Unaudited Income Statement Summary

    Fidelity D & D Bancorp, Inc. Unaudited Income Statement Summary Dollars in Thousands except per share information Quarterly Year-over-year 1Q'11 1Q'10 Variance Net Interest Income $ 5,234 $ 5,159 $ 75: Provision for Loan Loss 475 575, (100) Net Interest Income after Loan Loss 4,759 4584 175 Net Impa

  16. Slide 16: Net Interest Margin

    Fidelity D & D Bancorp, Inc. Net Interest Margin 4.74% 3.25% Q4 2009 Q1 2010 Q2 2010 @8 2010 Q4 2010 Q1 2011 Quarter Ended —e— UBPR Peer Group

  17. Slide 17: Noninterest Expense

    Fidelity D & D Bancorp, Inc. Noninterest Expense Dollars in Thousands $6,000 + $5,000 ~ $4,000 + $3,000 ~ $2,000 ~ $1,000 + 1Q 10 1Q'11 Other Operating Expense Retirement & Severance Costs FDIC Premiums Credit-related Costs

  18. Slide 18: Condensed Balance Sheet

    Fidelity D & D Bancorp, Inc. Condensed Balance Sheet Dollars in Thousands March 31, December 31,| 1st Quarter March 31, * Unaudited 2011* 2010 Variance 2010* Assets Cash & cash equivalents $ 47,443 $ 22,967 | $ 24,476 | $ 40,183 Securities 90,882 83,431 7,451 82,434 Loans and Leases 419,807 416,014

  19. Slide 19: Stable Funding Source

    Fidelity D & D Bancorp, Inc. Stable Funding Source 587,413 oR 740 596,297 — — 556.017 VOT,OfS rs 513,200 | 458,904 482,448 425,708 433,312 | wee 90,130 ae 53 29 32,131 2007 2008 2009 2010 March-11 [gy Deposits [ag Borrowings — = Assets

  20. Slide 20: Capital Adequacy Ratios

    Fidelity D & D Bancorp, Inc. Capital Adequacy Ratios March 31, December31, March 31, 2011 2010 2010 Total - Risk Based Capital 120% 11.9% 11.5% Tier | - Risk Based Capital 10.8% 10.6% 10.2% Leverage 84% 8.2% 9.3%

  21. Slide 21: Lending Activities

    Fidelity Deposit & Discount Bank Lending Activities

  22. Slide 22: Introduction

    Introduction I Managing Loan Quality Il. Improved Loan Quality ui. Relationship Development

  23. Slide 23: Managing Loan Quality

    |. Managing Loan Quality =» 2010 focus = Enhance the underwriting process a Early identification of potential loan problems =» External loan review

  24. Slide 24: Managing Loan Quality (cont...)

    | |. Managing Loan Quality (cont...) = Loan participations a Utilization of government programs a Emphasis on relationship building with Luzerne and Lackawanna County based businesses

  25. Slide 25: Improved Loan Quality

    | Il. Improved Loan Quality = Loan charge-offs dropped by 18% from the previous year = Provision for loan losses was 59% lower comparing 2010 to 2009 =» 2010 saw non-accruals reduced by 22% compared to 2009

  26. Slide 26: Relationship Development: Residential Mortgages

    ‘Ill. Relationship Development Residential Mortgages Activity Year # of loans S of loans 2009 563 $99.9 MM 2010 400 $69.6 MM Mortgage consultants Fidelity Bank leading residential mortgage originations Competitive residential mortgage products Online mortgage application process available 24/7

  27. Slide 27: Relationship Development: Commercial Relationships

    Relationship Development (cont... Commercial Relationships - Focus on relationships - Activity Year # of loans S of loans 2009 250 $77.4 MM 2010 234 $58.8 MM - Commercial loan products - Utilization of government programs

  28. Slide 28: Commercial Relationships (cont...)

    ‘Commercial Relationships (cont...) Nationally recognized delivery system

  29. Slide 29: Relationship Development: Consumer Loans

    Relationship Development (cont...) Consumer Loans Activity Year # of loans S of loans 2009 1270 $30 MM 2010 1342 $31 MM Products Centralized approval Our Customer Care Center and Online Banking provide the convenience of a applying for a consumer loan 24/7

  30. Slide 30: Summary

    Summary We at Fidelity Bank will remain committed to increasing shareholder value, providing an environment conducive to employee opportunities, provide competitive products and services to our customers and remain fully supportive to the community that provides us the opportunity to thrive.

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