Fidelity D & D Bancorp, Inc. · NASDAQ:FDBC
Fidelity D & D Bancorp — Shareholder Meeting (May 2012)
35 slides from Fidelity D & D Bancorp's shareholder meeting presentation, May 3, 2012
Slide 1: Annual Shareholders' Meeting
Exhibit 99.1 @ @ ®| Fidelity D & D Bancorp, Inc. Annual Shareholders’ Meeting May 1, 2012
Slide 2: Net Income (Loss)
Net Income (Loss) (Dollars millions) $5.0 ©— Cash Dividends. 4,9 S1256. 1stQ 11 10 ‘09
Slide 3: Total Deposits
$516 an Total Deposits (Dollars millions) $48: SaBT it — eee ee 40 ‘09 ‘08 ‘07
Slide 4: Residential Mortgage Lending
315.0 295.0 275.0 255.0 235.0 215.0 195.0 175.0 = 2474 Residential Mortgage Lending (Dollars millions) $290.6 1stQ $282.8
Slide 5: Trust / Financial Services Revenue
Trust / Financial Services Revenue (Dollars millions) 4,000 $975 900 800 $ $690 $665 $692 700 600 500 400 300
Slide 6: Mobile Money
4 ‘ Moéile Money The fastest, easiest and most ;nient way to bank! ‘Securely access your account 24/7 from any ile phone > View Account Balances & ‘Transactions > Transfer Funds Make Loan & Bit Payments and More! Best ofa Mobile Money tom Fidelity Ban) Click to < Grol] Today. Fifi <The Freedom to Ba
Slide 7: Non-performing loans to total loans
Non-performing loans to total loans 2.47
Slide 8: SBA Preferred Lender
SBA Preferred Lender Programs and services to help you start, grow and succeed
Slide 9: Supplemental Financial Information
“Fidelity D & D Bancorp, Inc. Supplemental Financial Information Fiscal Year 2011 and First Quarter 2012 Salvatore R. DeFrancesco, Jr., CPA, CGMA Treasurer and Chief Financial Officer May 1, 2012
Slide 10: Forward-looking Statements
Forward-looking Statements 1 “pl r r r or “may.” All forwar joking statements are based on things: events or otherwise
Slide 11: Unaudited Income Statement Summary
Fidelity D & D Bancorp, Inc. Unaudited Income Statement Summary Dotiars in Thousands except per share information Yoit-T- Date Dasani 2071 ‘Variance: Net Interest income S$ 20842 S$ 20,753 § 89 Provision for Loan Loss 1,800. 2,085 (285) Net Interest Income afer Loan Loss 79,042 68 374 Net Impairment
Slide 12: Net Interest Margin
Fidelity D & D Bancorp, Inc. Net Interest Margin 2007 2008 2008 2010 2011 —*-UBPR Peer Group
Slide 13: Noninterest Income
Fidelity D & D Bancorp, Inc. Noninterest Income $6,000 $5,000 $4,000 $3,000 2,000 ‘$1,000 2009 2010 2014 Trustees ‘Other Operating Income
Slide 14: Noninterest Expense
Fidelity D & D Bancorp, Inc. Noninterest Expense $20,000 $18,000 $10,000 $5,000 2010 2011
Slide 15: Condensed Balance Sheet
Fidelity D & D Bancorp, Inc. Condensed Balance Sheet Dotan Tovsands December 31, December 31, | YTD 2011 2010 Variance Assets Cash & cash equivalents S 52165 $ 22,967/$ 29,198 Securities 108: 83,431 25,113 Loans and Leases 410,831 416,014 (5,183) ‘Allowance for Loan Loss (8.108) 7.89 (210) Net Loans
Slide 16: Unaudited Income Statement Summary
Fidelity D & D Bancorp, Inc. Unaudited income Statement Summary Dols in Thousanés except per share infomation Quarter ‘Yearoveryear Ta se} Variance Net Interest income S$ 5114 $5,234 § (120) Provision for Loan Loss 700 475 225 ‘Net Interest income affer Loan Loss aaid 4758 (ex) Nat Impatment Lose (1
Slide 17: Net Interest Margin
Fidelity D & D Bancorp, Inc. Net Interest Margin 4.25% 3.75% Qt 2011 2.2011 Q3 2011 Q4 2011 10 2012 Quarter Ended | -*-UBPR Peer Group
Slide 18: Noninterest Income
Fidelity D & D Bancorp, Inc. Noninterest Income ol lars in Tousanas $2,000 $1,500 1,000 1041 1042 Trust fece ‘Other Operating Income
Slide 19: Noninterest Expense
Fidelity D & D Bancorp, Inc. Noninterest Expense lotion 10" 1912 “Bom Operating Expense FHLB Prepayment Fee GFOICPremwms = Credveated Costs
Slide 20: Condensed Balance Sheet
Fidelity D & D Bancorp, Inc. ‘Condensed Balance Sheet Dota in Thousands March 31, December 31, "4st Quarter] March 31, * Unavates 2012" 2011 Variance 2011" Assets Can etisatelens S 65681 $ 52,165|/$ 19.516 $47,443 115367 108,644 90,882 Corea tas 422.272 410.831 1, 419,807 Atowance fr teritoes 8,320)
Slide 21: Deposits, Net Loans and Assets trend
Fidelity D & D Bancorp, Inc. 700,000 600,000 500,000 100.000 $00,000 200,000 100,000 2008 2009 2010 2011 March-12 Deposits HANet Loans =w=-Assets
Slide 22: Capital Adequacy Ratios
Fidelity D & D Bancorp, Inc. Capital Adequacy Ratios March 31, December 31, — March 31, 2011 2011 2012 Total - Risk Based Capital 12.9% 13.0% 12.0% Tier | - Risk Based Capital 11.6% 11.7% 10.8% Leverage 87% 87% 8.4%
Slide 23: Wealth Management at Fidelity Bank
Wealth Management At Fidelity Bank Trust Department Overview For Our Shareholders of Fidelity D&D Bancorp Fidelity wax
Slide 24: Our Tools
ooo0oo0o000 00000 Our Tools Revocable Living Trusts Irrevocable Trusts Testamentary Trusts Investment Management & Advisory Services IRAs and Retirement Planning Estate Planning and Estate Settlement Guardianships — minors & incapacitated persons Educational Trusts Life Insurance Trusts Special Need
Slide 25: Trust Department Structure
eee! Trust Department Structure Personal Trust
Slide 26: Income by Lines of Business
e@ ee! Income by Lines of Business 2011 17% rsonal Corporate
Slide 27: Historical Mix by Lines of Business
Historical Mix by Lines of Business Personal Corporate 2007 47% 53% 2008 52% 48% 2009 69% 31% 2010 72% 28% 2011 83% 17%
Slide 28: Fee Trends
eee] Fee Trends oo SF CF EHS WAIL S &
Slide 29: Departmental Growth
eee] Departmental Growth 2010 2011 Personal Trust & Agency 57 92 IRA 36 31 Corporate Trust 48 43 Investment Management 34 33 Foundations 1 1 176 200
Slide 30: 2011 Highlight
2011 Highlight delity BANK IG Luzerne BANK
Slide 31: Profitability
eee! Profitability Income less Direct Expenses + 400% Increase due to consistent growth and conscientious expense control
Slide 32: Competition — Asset Size
Competition — Asset Size WA ZA ZEEE a Dime Bank ESSA Honesdale Wayne Fidelity Penn National Bank Security 42/31/41 Call Report Data
Slide 33: 2012 Outlook
eee] 2012 Outlook o Anticipating a record year... e Increases in revenue due to the addition of Luzerne accounts and continued new business development efforts e Renegotiation of trust accounting software contract, continued expense control e Continued implementation of our Strategic Plan
Slide 34: Wealth Management at Fidelity Bank
Wealth Management At Fidelity Bank o Trusted Financial Advisors e Trust and Investment Services e Fidelity Asset Management Services Serving the Needs of our Clients & Achieving the Goals of our Organization
Slide 35: Thank you for your continued support
Thank you for your @ @ ®| continued support of our efforts.
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