| Weiss Ratings |
Bay State Savings Bank
Worcester, MA |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 2.10 | |||
| Stability Index | 6.00 | |||
| Company Info |
Bay State Savings Bank
Worcester, MA |
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| FDIC Number | 90311 | |||
| Phone Number | (508) 890-9000 | |||
| Website | www.baystatesavingsbank.com | |||
| Asset Quality |
Bay State Savings Bank
Worcester, MA |
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| 1-Year Asset Growth | 3.76% | |||
| 5-Year Asset Growth | 5.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | -0.03% | |||
| Non-Performing Assets to Assets | 0.40% | |||
| Non-Performing Loans to Capital | 4.08% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Bay State Savings Bank
Worcester, MA |
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| Total Assets | 581.40M | |||
| Total Deposits | 520.80M | |||
| Capital and Reserves |
Bay State Savings Bank
Worcester, MA |
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| Capital | 50.10M | |||
| Leverage Ratio | 8.71 | |||
| Loan Loss Reserves to Loans | 0.95% | |||
| Risk-Based Capital Ratio | 12.59 | |||
| Liquidity |
Bay State Savings Bank
Worcester, MA |
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| Hot Money Ratio | 24.91% | |||
| Liquidity Ratio | 19.14% | |||
| Profitability |
Bay State Savings Bank
Worcester, MA |
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| 5-Year Return on Average Assets | 0.40% | |||
| Net Income | 1.30M | |||
| Net Interest Spread | 2.92% | |||
| Operating Profit to Average Assets | 0.40% | |||
| Overhead Efficiency Ratio | 87.65% | |||
| Return on Assets | 0.32% | |||
| Return on Equity | 3.54% | |||