Fidelity Personal Trust Company, FSB

Fidelity Personal Trust Company, FSB is headquartered in Boston and is the 141^st largest bank in the state of Massachusetts. It is also the 4,961^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 28 employees at 4 locations. Fidelity Personal Trust Company, FSB has a 5-star health rating.

Data for Q1 2012

Institution Statistics Fidelity Personal Trust Company, FSB OTS # 16116 FDIC Certificate # 35206 BankRate Report View Year Established 2000 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $99.22 million Deposits $50.50 million Equity Capital $43.87 million Historic Data - March 2011 Assets $92.74 million Equity Capital $41.06 million Profit Margin - Quarterly Net Interest Margin 2.05% Return on Assets 23.38% Return on Equity 56.28% Interest Income $349,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fidelity Personal Trust Company, FSB had $0 in non-current loans and owned real-estate with $43.87 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Personal Trust Company, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Fidelity Personal Trust Company, FSB has increased its total deposits by $0, resulting in 0% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fidelity Personal Trust Company, FSB has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fidelity Personal Trust Company, FSB has $99.22 million in assets with $43.87 million in equity, resulting in a capitalization level of 44.22%, which is excellent.

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