FDIC INSURANCE IS NOT WHY YOU SHOULD CHOOSE A BANK

Fidelity State Bank & Trust Company believes that FDIC insurance is good for the country. However it is not the primary reason that anyone should select a bank. Customers should look first to the financial strength of a bank in order to know the bank will be able to assist with their banking service needs. Relationship and experience of bank officers, who collaborate with customers driven for the success of the customer, should have significant influence on the choice of a bank. Problem loans have a direct impact on the financial strength of a bank.

Non current loans are loans past due over 90 days plus loans that the bank recognizes have such high risk it is no longer accruing interest on the loans. OREO is the other real estate owned or foreclosed real estate.

Fidelity has a strong record of working in collaboration with our customer to find the best solution to their financial needs. Problem assets are all but non-existent at 0.13% for Fidelity Bank as seen on the graph. This demonstrates the success of our borrowers. The low problem assets ratio also demonstrates a very negligible risk on the capital and financial strength of Fidelity Bank.

This information can be found by using the BankFind Tool at www.fdic.gov.