Fidelity Bank & Trust

Fidelity Bank & Trust is headquartered in Dubuque and is the 22^nd largest bank in the state of Iowa. It is also the 1,190^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 124 employees at 18 locations. Fidelity Bank & Trust's savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Fidelity Bank & Trust FDIC Certificate # 14382 BankRate Report View Year Established 1910 Employees 124 Primary Regulator FDIC Assets and Liabilities Assets $566.96 million Loans $404.15 million Deposits $461.40 million Equity Capital $65.81 million Loan Loss Allowance $5.85 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $1.50 million Historic Data - March 2011 Assets $446.92 million Equity Capital $50.98 million Loan Loss Allowance $4.31 million Unbacked Noncurrent Loans $4.90 million Real Estate Owned $2.84 million Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.94% Return on Equity 8.11% Interest Income $6.04 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fidelity Bank & Trust had $7.06 million in non-current loans and owned real-estate with $71.67 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank & Trust a Texas Ratio of 9.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity Bank & Trust decreased slightly from 15.13% as of March 31, 2011 to 9.86% as of March 31, 2012, resulting in a positive change of 34.84%.This indicates that the balance sheet and financial strength for Fidelity Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Fidelity Bank & Trust has increased its total deposits by $95.57 million, resulting in 26.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fidelity Bank & Trust has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fidelity Bank & Trust has $566.96 million in assets with $71.67 million in equity, resulting in a capitalization level of 12.64%, which is excellent.

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