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Fidelity Savings & Loan Association of Bucks County

Bristol, PA · Cert 30954

FDIC · 2 branches

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Fidelity Savings & Loan Association of Bucks County

Bristol, PA · Cert 30954

FDIC · 2 branches

Q1 2020

$85.1MAssets
$57.9MLoans
$65.4MDeposits
$12.8MEquity
Loan mix
100%RE $61.3M0%C&I $0.0M0%Consumer $0.2MQ1 2019Q1 2020
Deposit mix
94%Interest-bearing $61.5M6%Noninterest $3.9MQ1 2019Q1 2020

NIM

3.79%Q1 ’184.00%Q1 ’193.70%Q1 ’20+3%-11%

Non-interest income vs. expense

2.73%Q1 ’182.77%Q1 ’193.15%Q1 ’20-9%+15%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2019 SOD (annual) · 0.0% share · #81 of 109 inst. · $0.1B of $459.9B

Executive Summary

  • Earnings: ROA of 0.00%, down 36 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 1.56% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 15.54%, up 35 bps from a year ago.
  • Funding: loans stand at 88.54% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.00%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-36 bps YoY

Efficiency Ratio (YTD, annualized)

106.37%+2,344 bps YoY

Tier 1 Leverage Ratio

15.54%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.36%0.21%0.31%0.23%0.00%-36 bps
Return on Equity2.50%1.46%2.11%1.58%0.03%-247 bps
Net Interest Margin3.16%3.22%3.23%3.19%2.80%-36 bps
Efficiency Ratio82.93%91.54%87.65%90.56%106.37%+2,344 bps
Non-Interest Burden2.62%2.97%2.84%2.91%3.02%+40 bps
Growth
Asset Growth (YoY)-0.11%-0.63%-1.06%0.53%-4.18%-408 bps
Loan Growth (YoY)0.97%2.41%0.54%0.71%-7.49%-846 bps
Deposit Growth (YoY)-3.53%-3.67%-5.72%-2.56%-7.03%-350 bps
Asset Quality
Nonperforming Loans / Loans1.56%1.54%1.51%1.49%1.56%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%-0.08%-9 bps
Allowance / Loans0.78%0.75%0.75%0.75%0.75%-4 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio15.19%15.30%15.49%15.59%15.54%+35 bps
Total Risk-Based Capital31.62%30.40%30.95%31.69%15.54%-1,607 bps
Equity / Assets14.43%14.57%14.91%14.59%15.06%+63 bps
Liquidity & Funding
Loans / Deposits88.98%91.24%94.36%91.33%88.54%-44 bps
Liquid Assets / Assets4.82%4.04%3.48%3.54%6.30%+148 bps
CRE / Total Capitaln/an/an/an/an/an/an/a