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Fidelity Management Trust Company

Boston, MA · Cert 23468

FDIC

Q1 2014

$55.9MAssets
n/aLoans
n/aDeposits
$54.2MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q2 2012Q1 2014

Executive Summary

  • Earnings: ROA of 76.75%, up 6,508 bps year over year; NIM at -0.11%.

Return on Assets (quarter, annualized)

76.75%+6,508 bps YoY

Net Interest Margin (quarter, annualized)

-0.11%+2 bps YoY

Efficiency Ratio (quarter, annualized)

68.52%-2,459 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.01%Q1 ’120.01%Q1 ’130.01%Q1 ’14+8%+14%

Non-interest income vs. expense

168.70%Q1 ’12161.35%Q1 ’13165.87%Q1 ’14+48%-532%

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets18.49%10.13%11.10%11.67%10.73%49.92%48.31%76.75%+6,508 bps
Return on Equity39.22%21.55%26.44%30.52%27.58%113.23%105.69%123.46%+9,294 bps
Net Interest Margin-0.13%-0.13%-0.12%-0.13%-0.12%-0.12%-0.12%-0.11%+2 bps
Efficiency Ratio89.72%93.69%93.46%93.11%93.71%67.02%69.87%68.52%-2,459 bps
Non-Interest Burden-18.83%-10.62%-10.78%-12.08%-10.92%-50.62%-45.61%-76.33%-6,426 bps
Growth
Asset Growth (YoY)1.53%10.81%6.53%5.60%7.83%2.49%-6.17%-47.37%-5,297 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital48.40%45.78%37.60%38.83%38.99%48.89%42.41%99.95%+6,112 bps
Equity / Assets48.40%45.78%37.60%38.83%38.99%48.89%41.69%97.09%+5,825 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%2.10%3.58%+358 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a