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


  • 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
  • NoIDNameAddressEstablishedService TypeMap
    156984Fptc California Office Branch2361 Rosecrans Ave, Ste 730, El Segundo, CA 90245May 30, 1996Limited Service Trust
  • 1 Delaware Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2521615Fptc Delaware Office Branch2710 Centerville Road, Suite 203, Wilmington, DE 19808January 30, 2002Limited Service Trust
  • 1 Massachusetts Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    076172Fidelity Personal Trust Company, Fsb245 Summer Street, 2nd Floor, Boston, MA 2210May 15, 2000Full Service Brick and Mortar
  • 1 New Hampshire Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3521616Fptc New Hampshire Office BranchTwo Contra Way, Merrimack, NH 3054October 25, 2004Limited Service Trust

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