Fidelity D & D Bancorp, Inc. · NASDAQ:FDBC
Fidelity D & D Bancorp — Shareholder Meeting (May 2014)
56 slides from Fidelity D & D Bancorp's shareholder meeting presentation, May 8, 2014
Slide 1: Fidelity bankstrong.com
Slide 2: $15 Million Increase
D Bancorp, Inc.
Slide 3: Balance Sheet Growth
$700 $650 $600 $550 $500 $450 $400 Balance Sheet Growth $ in millions —-Assets -=-Net Loans ——Deposits D Bancorp, Inc.
Slide 4: Net Interest Margin
3.90% 3.88% 3.86% 3.84% 3.82% 3.80% 3.78% 3.76% 3.74% 3.89% Net Interest Margin 3.89% 3.80% 3.80% 2010 2011 2012 2013 D&D Bancorp, Inc.
Slide 5: 2013 Loan Originations Commercial / Business Loans
2013 Loan Originations 362 Commercial / Business Loans Over S65 Million
Slide 6: 2013 Loan Originations Mortgages
2013 Loan Originations 500 Mortgages Over $89 Million
Slide 7: Guaranteed Loan Decision in Five Business Days
GUARANTEED LOAN DECISION IN FIVE BUSINESS DAYS. -_
Slide 8: 2013 Loan Originations Consumer Loans
2013 Loan Originations 1,710 Consumer Loans Over $41 Million
Slide 9: 2013 Loan Originations
2013 Loan Originations Over $195 Million
Slide 10: Quality
Slide 11: Wealth Management
Wealth Management
Slide 12: Cash Management
_ Cash Management Manage your cash & keep it flowing in the right direction.
Slide 13: Points
POINTS
Slide 14: D&D Bancorp, Inc.
D&D Bancorp, Inc.
Slide 15: Book Value
Book Value $30.00 4 $27.62 Pr $25.37 — $25.00 + : P 2010 2011 2012 2013
Slide 16: Improvement
Slide 17: 2014 Annual Meeting of Shareholders Supplemental Financial Information
Fidelity D & D Bancorp, Inc. 2014 Annual Meeting of Shareholders Supplemental Financial Information Fiscal Year 2013 and First Quarter 2014 Salvatore R. DeFrancesco, Jr., CPA, CCMA Treasurer and Chief Financial Officer May 6, 2014
Slide 18: Forward-looking Statements
Forward-looking Statements This presentation contains forward-looking statements that describe our future plans, strategies and expectations. Forward-looking statementscan be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “bel
Slide 19: Unaudited Income Statement Summary
Unaudited Income Statement Summary Dollars in Thousands except per share information Year-To-Date December 31 2013 2012 Variance Net Interest Income $ 20,885 $ 20,640 $ 245 Provision for Loan Loss 2,550 3,250 (700) Net Interest Income after Loan Loss 18,335 17,390 945 Net Impairment (Loss) e (136) 1
Slide 20: Net Interest Margin
Fidelity D & D Bancorp, Inc. Net Interest Margin 4.50% 4.25% 9 4.00% 3.80% 3.75% 8.9% —+ 3.50% 13.74 13.89%| [3-80°%| 3.25% 3.00% 2.75% 2.50% 4 2009 2010 2011 2012 2013 Years ‘The UBPR peer group are ll insured commercial banks having —e—UBPR Peer Group. assets between $300 million and $1 billion D&
Slide 21: Noninterest Income
Noninterest Income Dollars in Thoussnd= 10000 $9000 $8000 $7000 $6000 $6000 $4000 $3,000 $2000 $1,000 & Dec-12 Dec-13 Denosit service charges winterchange fees Gal on sale offoané = Loan Senice charges Gainon sale of securities Financial service fees _« Trust fees ther Operating Income Bancorp, Inc.
Slide 22: Noninterest Expense
Noninterest Expense Dollars in Thouzand= Dec-12 Dec-13 Salaries and Benefits = Other Operating Expense =FHLEPrepament Fee =FDIC Premiums «= Credi-related Costs D&D Bancorp, Inc. §20000 $1800 $16,000 $1400 12000 10000 $8,000 $6000 $4000 $2000 &
Slide 23: Condensed Balance Sheet
Condensed Balance Sheet Dollars in Thousands December 31, December 31, | Twelve month 2013 2012 Variance Assets Cash & cash equivalents $ 13218 $ 21,846/$ (8,628) Securities 97,423 100,730 (3,307) Loans and Leases 479,061 444,101 34,960 Allowance for Loan Loss (8,928) (8.972) 44 Net Loans 470,133 43
Slide 24: Unaudited Income Statement Summary
Unaudited Income Statement Summary Dollars in Thousands except per share information Quarterly Year-over-year 1Q'14 1Q13 Variance Net Interest Income $ 5,295 $ 5,233 $ 62 Provision for Loan Loss 300 550 (250) Net Interest Income after Loan Loss 4,995 4,683 312 Other Income 1,738 2,068 (330) Total Ot
Slide 25: Net Interest Margin
Fidelity D & D Bancorp, Inc. Net Interest Margin 4.25% _ 3.79% e+ Rays - 3.74% 3.76% bs 3.25% + 4 Q1 2013 Q2 2013 Q3 2013 Q4 2013 Q1 2014 Quarter Ended ‘The UBPR peer group are all insured commercial banks having 4—UBPR Peer Group assets between $300 million and $1 billion D&D Bancorp, Inc.
Slide 26: Noninterest Income
Noninterest Income Dollars in Thousands 1Q'13 1014 ‘Deposit service charges _mlinferchange fees Gainon sale ofloans = Loan service charges = Gain on sale of securties = Financial service fees Trust fees Other Operating Income
Slide 27: Noninterest Expense
terest Expense jolla in Thourands $5,000 $4,000 $3,000 $2,000 $1,000 1Q'13 1014 = Salaries and Benefits ‘Other Operating Expense FDIC Premiums = Creditrelated Cods
Slide 28: Condensed Balance Sheet
Condensed Balance Sheet Dollars in Thousands March 31, December 31,| 4st@Quarter | March 31 * Unaudited 20147 2013 Variance 2013* Assets Cash & cash equivalents S$ 32099 $ 13218/$ 18881/s 20,730 Securities 102,213 97,423 4,790 99,496 Loans and Leases 484,015 479,081 4,954 450,677 Allowance for Loan
Slide 29: Balance Sheet Growth
Fidelity D & D Bancorp, Inc. Balance Sheet Growth ($000) 700,000 800,000 600,000 400,000 300,000 200,000 100,000 654,429 606,742 601,525 oo 556,017 969,679 seu766 515,802 514,660 529,698 ‘458,994 oe 469,216 474,665 424,345 APA 398,186 424,584 2009 2010 2011 2012 2013 March-14 mmmmDeposits $GaaNetLoa
Slide 30: Capital Adequacy Ratios
Capital Adequacy Ratios March 31, December 31, March 31, Well 2014 2013 2013 Capitalized Total - Risk Based Capital 15.5% 15.2% 13.5% 10.0% Tier | - Risk Based Capital 14.2% 13.9% 12.2% 6.0% Leverage 10.3% 10.3% 9.5% 1.0% Dallas in Thowsance ‘Winimam Excess over March 31, 2014 March 31, 2013 Improve
Slide 31: Confidence
Slide 32: A commitment to our relationships
A commitment to our relationships. i <n ¥ f C } o" e D&D Bancorp, Inc.
Slide 33: Commitment
Commitment We are committed to being a customer centric organization by developing strong relationships.
Slide 34: How Are We Committed?
How Are We Committed? * People * Services * Measuring for desired results
Slide 35: People
People ¢ Provide Training * Utilize experience to benefit clients * Team Approach * Community Involvement
Slide 36: Services
Services e Delivering services that benefit our clients and prospects e Business Services e Indirect Dealer Department e Mortgage Modification Program ¢ Credit facilities that meet the customers’ needs
Slide 37: Measuring for Desired Results
Measuring for Desired Results ¢« Customer and Prospect Meetings ! 22% ¢ Referrals to other departments | 75% ¢ Business Services Activity 1 41% ¢ Business Deposit Growth » 12% ¢ Net Loan Growth 1 8%
Slide 38: Growing Relationships
Growing Relationships
Slide 39: Consumer
JOOOO Consumer
Slide 40: #1 Mortgage Lender in the Area
#1 MORTGAGE LENDER IN THE AREA!
Slide 41: Commercial Lending
Commercial Lending
Slide 42: The Future
The Future e Reaching our goal ¢ Communication Tools ¢ Products per Household e Industry Specialists e Measure results through customer satisfaction e Innovative ways to help our customers’ day to day concerns.
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Slide 45: Non Performing Loans %
450 4.00 3.50 3.00 250 2.00 1.50 4.00 0.50 Non Performing Loans % 3.24 3.08 403 hi 2.35 1.65 1.39 1.21 2012 - 2013 D Bancorp, Inc.
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Slide 47: Total Past Due & Non-Accrual %
Total Past Due & Non-Accrual % 2 ° & 8 2012 - 2013 Mar June Mar June Sep Dec
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Slide 49: Non-Performing Loans/ALLL
200.00% 180.00% 160.00% 140.00% 120.00% 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% Non-Performing Loans/ALLL 175.47% 173.13% a= ae 165.40% 171.00% 145.23% 160.16% 131.00% 4 Vaan D Bancorp, Inc. [a= Peer = Fidelity
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Slide 51: Teamwork at Fidelity
* @ TEAMWORK AT
Slide 52: Congratulations!
Congratulations! TO OUR EMPLOYEES WITH OVER 40 YEARS IN THE BANKING INDUSTRY. Catherine Collins atricta Bohan D&D Bancorp, Inc.
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x c © a > = fat =) € € e) O i) > eK <x = ‘ = e 5 8 2 5 a e a ct De
Slide 54: Playhouse in the Park
Slide 55: Voted Best Bank Twice!
VOTED “BEST BANK” TWICE! Che Cimes-Cribune The Triboro Banner
Slide 56: Ranked by the American Bankers Association
Ranked by the Odo AMERICAN BANKERS ASSOCIATIOD
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