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Fidelity & Trust Bank

Bethesda, MD · Cert 57519

FDIC

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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 2026-10-11

Fidelity & Trust Bank

Bethesda, MD · Cert 57519

FDIC

Q2 2008

$461.0MAssets
$359.2MLoans
$368.0MDeposits
$26.8MEquity
Loan mix
70%RE $229.5M30%C&I $97.4M0%Consumer $0.5MQ2 2007Q2 2008
Deposit mix
85%Interest-bearing $311.3M15%Noninterest $56.6MQ2 2007Q2 2008

NIM

6.69%Q2 ’067.18%Q2 ’076.12%Q2 ’08-6%-7%

Non-interest income vs. expense

6.44%Q2 ’066.73%Q2 ’073.62%Q2 ’08+72%-12%

Executive Summary

  • Earnings: ROA of -0.80%, down 8 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 97.61% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.80%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-24 bps YoY

Efficiency Ratio (YTD, annualized)

121.56%+548 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-0.72%-1.59%-2.85%-0.68%-0.80%-8 bps
Return on Equity-9.92%-22.51%-42.04%-12.49%-14.34%-442 bps
Net Interest Margin3.33%3.28%3.47%3.27%3.09%-24 bps
Efficiency Ratio116.08%158.57%183.78%116.61%121.56%+548 bps
Non-Interest Burden4.26%5.61%6.22%3.77%3.73%-53 bps
Growth
Asset Growth (YoY)22.41%17.71%-7.27%-0.26%-7.47%-2,988 bps
Loan Growth (YoY)29.33%16.61%-0.94%7.30%0.15%-2,917 bps
Deposit Growth (YoY)17.36%36.16%8.73%13.67%11.24%-612 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.24%0.25%0.04%0.02%-19 bps
Allowance / Loans0.70%0.88%0.96%1.00%1.09%+39 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.65%9.90%8.67%9.86%10.43%-23 bps
Equity / Assets6.65%6.61%5.57%5.36%5.80%-85 bps
Liquidity & Funding
Loans / Deposits108.41%85.69%90.47%93.96%97.61%-1,081 bps
Liquid Assets / Assets4.33%5.75%1.67%1.43%0.15%-419 bps
CRE / Total Capitaln/an/an/an/an/an/an/a