Fidelity Personal Trust Company, FSB in city_name, state_name

Fidelity Personal Trust Company, FSB in Boston, Massachusetts (MA), CA, DE, NH
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Fidelity Personal Trust Company, FSB - Overview

General
FDIC Certificate #: 35206
Status: Active
Federal Reserve ID: 2914268
Date Established: May 15, 2000
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 4 (Domestic: 4, Interstate: Yes)
OTS Docket #: 16116
FDIC's unique #: 76172
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: May 15, 2000
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 245 Summer Street, 2nd Floor, Boston, MA 2210
County: Suffolk
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: South Boston
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Boston, MA-NH (#1120)
Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
Core Based Statistical Area (CBSA): Boston-Cambridge-Quincy, MA-NH (#14460)
CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
Core Based Statistical Division: Boston-Quincy, MA (#14484)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $98.3 mil
Equity capital: $38.1 mil
Deposits held in domestic offices: $50.5 mil
Return on assets (ROA): 26.49% ($26.0 mil)
Quarterly return on assets: 28.82% ($28.2 mil)
Return on Equity (ROE): 58.99% ($22.4 mil)
Quarterly return on equity: 62.60% ($23.8 mil)
Net income: $26.0 mil
Quarterly Net income: $7.4 mil
Pretax return on assets: 27.01% ($26,543.5 mil)
Quarterly Pretax return on assets: 29.28% ($28,774.3 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
25Total employees (full-time equivalent)
$98,273Total assets
$26,186Cash and due from depository institutions
$25,998Interest-bearing balances
$60,632Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$98,273Life insurance assets
$11,455All other assets
$60,138Total liabilities and capital
$50,500Total liabilities
$50,500Total deposits
$50,500Interest-bearing deposits
$1Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$9,638Subordinated debt
$38,135All other liabilities
$38,135Total equity capital
$38,135Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$11,857Surplus
$26,078Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$102Long-term assets (5+ years)
$86,630Average Assets, year-to-date
$0Average Assets, quarterly
$98,228Volatile liabilities
$103,231Insider loans
$95,848FHLB advances
$96,258Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$36,120Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,052Total interest income
$213Total interest expense
$2,839Net interest income
$0Provision for loan and lease losses
$45,298Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$45,298Additional noninterest income
$21,610Total noninterest expense
$4,847Salaries and employee benefits
$1,309Premises and equipment expense
$15,454Additional noninterest expense
$26,527Pre-tax net operating income
$0Securities gains (losses)
$502Applicable income taxes
$26,025Income before extraordinary items
$0Extraordinary gains - net
$26,025Net income attributable to bank
$0Net charge-offs
$26,025Cash dividends
$0Sale, conversion, retirement of capital stock, net
$25,000Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.62%Yield on earning assets
0.25%Cost of funding earning assets
3.37%Net interest margin
53.76%Noninterest income to earning assets
25.64%Noninterest expense to earning assets
26.49%Net operating income to assets
26.49%Return on assets (ROA)
27.01%Pretax return on assets
58.99%Return on equity (ROE)
2.32%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
44,893Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.06%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
38.81%Core capital (leverage) ratio
37.52%Tier 1 risk-based capital ratio
37.68%Total risk-based capital ratio
Memoranda
$38Average assets
$98,228Average earning assets
$44,116Average equity
$84,267Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$9,665,713Managed Assets
1Number of Accounts
$6,487,307Personal trust and agency accounts
$678,982Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$5,808,325Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
10209Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,178,406Other retirement accounts
$2,465,965Corporate trust and agency accounts
$712,441Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

1 California Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
1	56984	Fptc California Office Branch	2361 Rosecrans Ave, Ste 730, El Segundo, CA 90245	May 30, 1996	Limited Service Trust

1 Delaware Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
2	521615	Fptc Delaware Office Branch	2710 Centerville Road, Suite 203, Wilmington, DE 19808	January 30, 2002	Limited Service Trust

1 Massachusetts Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	76172	Fidelity Personal Trust Company, Fsb	245 Summer Street, 2nd Floor, Boston, MA 2210	May 15, 2000	Full Service Brick and Mortar

1 New Hampshire Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
3	521616	Fptc New Hampshire Office Branch	Two Contra Way, Merrimack, NH 3054	October 25, 2004	Limited Service Trust

Fidelity Personal Trust Company, FSB in Boston, Massachusetts (MA), CA, DE, NH
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Personal Trust Company, FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fidelity Personal Trust Company, FSB in Boston, Massachusetts (MA), CA, DE, NHOverview, Financial Summary, Detailed Financial Reports, Branches

Fidelity Personal Trust Company, FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fidelity Personal Trust Company, FSB in Boston, Massachusetts (MA), CA, DE, NH
Overview, Financial Summary, Detailed Financial Reports, Branches