10-Q 1 fdbc20230930_10q.htm FORM 10-Q fdbc20230930_10q.htm
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Table of Contents

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended September 30, 2023

 

OR

 

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from ______________to______________________

 

Commission file number: 001-38229

 

FIDELITY D & D BANCORP, INC.

 

STATE OF INCORPORATION:IRS EMPLOYER IDENTIFICATION NO:
Pennsylvania23-3017653

 

Address of principal executive offices:

Blakely & Drinker St.

Dunmore, Pennsylvania 18512

TELEPHONE: 570-342-8281

 

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

 

Title of each class

Trading Symbols(s)

Name of each exchange on which registered

Common stock, without par value

FDBC

The NASDAQ Stock Market, LLC

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subjected to such filing requirements for the past 90 days. ☒ Yes ☐ No

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☐

Non-accelerated filer ☒

Accelerated filer ☐

 

Smaller reporting company 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☒ No

 

The number of outstanding shares of Common Stock of Fidelity D & D Bancorp, Inc. on October 31, 2023, the latest practicable date, was 5,696,351 shares.

 

 

 

FIDELITY D & D BANCORP, INC.

 

Form 10-Q September 30, 2023

 

Index

 

Part I. Financial Information

 

Page

Item 1.

Financial Statements (unaudited):

 
 

Consolidated Balance Sheets as of September 30, 2023 and December 31, 2022

3

 

Consolidated Statements of Income for the three and nine months ended September 30, 2023 and 2022

4

 

Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2023 and 2022

5

 

Consolidated Statements of Changes in Shareholders’ Equity for the three and nine months ended September 30, 2023 and 2022

6

 

Consolidated Statements of Cash Flows for the nine months ended September 30, 2023 and 2022

8

 

Notes to Consolidated Financial Statements (Unaudited)

10

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

38

Item 3.

Quantitative and Qualitative Disclosure about Market Risk

58

Item 4.

Controls and Procedures

62

     

Part II. Other Information

   

Item 1.

Legal Proceedings

63

Item 1A.

Risk Factors

63

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

63

Item 3.

Defaults upon Senior Securities

63

Item 4.

Mine Safety Disclosures

63

Item 5.

Other Information

63

Item 6.

Exhibits

64

Signatures

 

66

 

 

 

 

PART I Financial Information

Item 1: Financial Statements

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Balance Sheets                

(Unaudited)

        

(dollars in thousands)

 

September 30, 2023

  

December 31, 2022

 

Assets:

        

Cash and due from banks

 $28,431  $3,542 

Interest-bearing deposits with financial institutions

  82,040   25,549 

Total cash and cash equivalents

  110,471   29,091 

Available-for-sale securities

  352,835   420,862 

Held-to-maturity securities (fair value of $178,012 in 2023; $187,280 in 2022)

  223,853   222,744 

Restricted investments in bank stock

  3,800   5,268 

Loans and leases, net (allowance for credit losses of $18,757 in 2023; $17,149 in 2022)

  1,626,451   1,547,025 

Loans held-for-sale (fair value $2,354 in 2023; $1,660 in 2022)

  2,345   1,637 

Foreclosed assets held-for-sale

  87   168 

Bank premises and equipment, net

  32,625   31,307 

Leased property under finance leases, net

  1,219   1,089 

Right-of-use assets

  8,311   8,642 

Cash surrender value of bank owned life insurance

  54,226   54,035 

Accrued interest receivable

  8,758   8,487 

Goodwill

  19,628   19,628 

Core deposit intangible, net

  1,269   1,540 

Other assets

  30,942   26,849 

Total assets

 $2,476,820  $2,378,372 

Liabilities:

        

Deposits:

        

Interest-bearing

 $1,602,018  $1,564,305 

Non-interest-bearing

  549,741   602,608 

Total deposits

  2,151,759   2,166,913 

Accrued interest payable and other liabilities

  16,864   17,434 

Allowance for credit losses on off-balance sheet credit exposures

  1,009   49 

Finance lease obligation

  1,238   1,110 

Operating lease liabilities

  9,079   9,357 

Short-term borrowings

  124,000   12,940 

Secured borrowings

  7,439   7,619 

Total liabilities

  2,311,388   2,215,422 

Shareholders' equity:

        

Preferred stock authorized 5,000,000 shares with no par value; none issued

  -   - 

Capital stock, no par value (10,000,000 shares authorized; shares issued and outstanding; 5,696,351 at September 30, 2023; and 5,630,794 at December 31, 2022)

  117,256   115,611 

Retained earnings

  129,976   119,754 

Accumulated other comprehensive loss

  (81,504)  (71,152)

Treasury stock, at cost (7,284 shares at September 30, 2023 and 32,663 shares at December 31, 2022)

  (296)  (1,263)

Total shareholders' equity

  165,432   162,950 

Total liabilities and shareholders' equity

 $2,476,820  $2,378,372 

 

See notes to unaudited consolidated financial statements

 

 

 

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Income

(Unaudited)

 

Three months ended

   

Nine months ended

 

(dollars in thousands except per share data)

 

September 30, 2023

   

September 30, 2022

   

September 30, 2023

   

September 30, 2022

 

Interest income:

                               

Loans and leases:

                               

Taxable

  $ 19,766     $ 15,828     $ 56,760     $ 45,237  

Nontaxable

    736       492       2,463       1,358  

Interest-bearing deposits with financial institutions

    60       351       212       464  

Restricted investments in bank stock

    59       56       240       120  

Investment securities:

                               

U.S. government agency and corporations

    1,461       1,602       4,456       4,725  

States and political subdivisions (nontaxable)

    1,152       1,357       3,529       4,126  

States and political subdivisions (taxable)

    444       449       1,335       1,348  

Total interest income

    23,678       20,135       68,995       57,378  

Interest expense:

                               

Deposits

    8,488       1,550       19,713       3,321  

Secured borrowings

    123       75       352       109  

Other short-term borrowings

    428       -       1,784       1  

Total interest expense

    9,039       1,625       21,849       3,431  

Net interest income

    14,639       18,510       47,146       53,947  

Provision for credit losses on loans

    525       525       1,380       1,575  

Provision (credit) for credit losses on unfunded loan commitments

    (275 )     (6 )     (100 )     (24 )

Net interest income after provision for credit losses

    14,389       17,991       45,866       52,396  

Other income:

                               

Service charges on deposit accounts

    1,039       920       2,962       2,554  

Interchange fees

    1,169       1,095       3,588       3,385  

Service charges on loans

    244       290       826       1,048  

Fees from trust fiduciary activities

    783       621       2,197       1,852  

Fees from financial services

    169       198       618       712  

Fees and other revenue

    349       281       1,701       972  

Earnings on bank-owned life insurance

    335       327       980       965  

Gain (loss) on write-down, sale or disposal of:

                               

Loans

    315       232       721       1,421  

Available-for-sale debt securities

    -       4       (1 )     4  

Premises and equipment

    (78 )     (57 )     (243 )     (191 )

Total other income

    4,325       3,911       13,349       12,722  

Other expenses:

                               

Salaries and employee benefits

    6,258       6,802       19,203       20,457  

Premises and equipment

    2,276       1,855       6,653       5,673  

Data processing and communication

    765       663       2,141       1,994  

Advertising and marketing

    461       753       1,831       2,023  

Professional services

    950       838       2,949       2,383  

Automated transaction processing

    434       383       1,339       1,192  

Office supplies and postage

    165       177       543       534  

PA shares tax

    261       441       553       1,043  

Loan collection

    45       115       105       181  

Other real estate owned

    3       6       6       9  

FDIC assessment

    282       152       843       525  

Other

    884       849       2,900       2,494  

Total other expenses

    12,784       13,034       39,066       38,508  

Income before income taxes

    5,930       8,868       20,149       26,610  

Provision for income taxes

    590       1,179       2,407       3,735  

Net income

  $ 5,340     $ 7,689     $ 17,742     $ 22,875  

Per share data:

                               

Net income - basic

  $ 0.94     $ 1.36     $ 3.13     $ 4.05  

Net income - diluted

  $ 0.93     $ 1.36     $ 3.11     $ 4.03  

Dividends

  $ 0.36     $ 0.33     $ 1.08     $ 0.99  

 

See notes to unaudited consolidated financial statements

 

 

 

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Comprehensive Income

 

Three months ended

   

Nine months ended

 

(Unaudited)

 

September 30,

   

September 30,

 

(dollars in thousands)

 

2023

   

2022

   

2023

   

2022

 
                                 

Net income

  $ 5,340     $ 7,689     $ 17,742     $ 22,875  
                                 

Other comprehensive gain (loss), before tax:

                               

Unrealized holding loss on available-for-sale debt securities

    (21,129 )     (27,590 )     (14,823 )     (81,603 )

Reclassification adjustment for net losses (gains) realized in income

    -       (4 )     1       (4 )

Reclassification of unrealized loss on securities transferred from available-for-sale to held-to-maturity

    -       -       -       (23,882 )

Amortization of unrealized loss on held-to-maturity securities

    577       565       1,718       1,120  

Net unrealized loss

    (20,552 )     (27,029 )     (13,104 )     (104,369 )

Tax effect

    4,316       5,676       2,752       21,917  

Unrealized loss, net of tax

    (16,236 )     (21,353 )     (10,352 )     (82,452 )

Other comprehensive loss, net of tax

    (16,236 )     (21,353 )     (10,352 )     (82,452 )

Total comprehensive income (loss), net of tax

  $ (10,896 )   $ (13,664 )   $ 7,390     $ (59,577 )

 

See notes to unaudited consolidated financial statements

 

 

 

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Changes in Shareholders' Equity

 

 

For the Nine Months Ended September 30, 2023 and 2022

                                               

(Unaudited)

                         

Accumulated

                 
                           

other

                 
   

Capital stock

   

Retained

   

comprehensive

   

Treasury

         

(dollars in thousands)

 

Shares

   

Amount

   

earnings

   

income (loss)

   

Stock

   

Total

 

Balance, December 31, 2021

    5,645,687     $ 114,108     $ 97,442     $ 179     $ -     $ 211,729  

Net income

                    22,875                       22,875  

Other comprehensive loss

                            (82,452 )             (82,452 )

Issuance of common stock through Employee Stock Purchase Plan

    4,891       252                               252  

Forfeited restricted dividend reinvestment shares

    (106 )                       -       -  

Issuance of common stock from vested restricted share grants through stock compensation plans

    11,699       -                               -  

Stock-based compensation expense

            977                               977  

Common stock repurchased

    (31,839 )                       (1,235 )     (1,235 )

Cash dividends declared

                    (5,659 )                     (5,659 )

Balance, September 30, 2022

    5,630,332     $ 115,337     $ 114,658     $ (82,273 )   $ (1,235 )   $ 146,487  
                                                 

Balance, December 31, 2022

    5,630,794     $ 115,611     $ 119,754     $ (71,152 )   $ (1,263 )   $ 162,950  

Cumulative-effect adjustment for adoption of ASU 2016-13 (Footnote 1)

                    (1,326 )                     (1,326 )

Net income

                    17,742                       17,742  

Other comprehensive income

                            (10,352 )             (10,352 )

Issuance of common stock through Employee Stock Purchase Plan

    7,294       302                               302  

Re-issuance of common stock through Dividend Reinvestment Plan

    26,765       193                       1,035       1,228  

Issuance of common stock from vested restricted share grants through stock compensation plans

    24,442       -                               -  

Issuance of common stock through exercise of SSARs

    8,442       -                         -  

Stock-based compensation expense

            1,321                               1,321  

Repurchase of shares to cover withholdings

    (1,386 )     (171 )                     (68 )     (239 )

Cash dividends declared

                    (6,194 )                     (6,194 )

Balance, September 30, 2023

    5,696,351     $ 117,256     $ 129,976     $ (81,504 )   $ (296 )   $ 165,432  

 

 

For the Three Months Ended September 30, 2023 and 2022

                                               

(Unaudited)

                         

Accumulated

                 
                           

other

                 
   

Capital stock

   

Retained

   

comprehensive

   

Treasury

         

(dollars in thousands)

 

Shares

   

Amount

   

earnings

   

income (loss)

   

Stock

   

Total

 

Balance, June 30, 2022

    5,651,777     $ 115,079     $ 108,848     $ (60,920 )   $ (388 )   $ 162,619  

Net income

                    7,689                       7,689  

Other comprehensive loss

                            (21,353 )             (21,353 )

Forfeited restricted dividend reinvestment shares

    (58 )                       -       -  

Issuance of common stock from vested restricted share grants through stock compensation plans

    158       -                               -  

Stock-based compensation expense

            258