| Weiss Ratings |
Bay State Savings Bank
Worcester, MA |
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| Rating | ||||
| Asset Quality Index | 6.20 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 1.80 | |||
| Stability Index | 6.30 | |||
| 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 | 0.60% | |||
| 5-Year Asset Growth | 5.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | -0.05% | |||
| Non-Performing Assets to Assets | 0.57% | |||
| Non-Performing Loans to Capital | 4.89% | |||
| Non-Performing Loans to Loans | 0.66% | |||
| Balance Sheet |
Bay State Savings Bank
Worcester, MA |
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| Total Assets | 553.39M | |||
| Total Deposits | 494.23M | |||
| Capital and Reserves |
Bay State Savings Bank
Worcester, MA |
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| Capital | 49.29M | |||
| Leverage Ratio | 8.80 | |||
| Loan Loss Reserves to Loans | 0.98% | |||
| Risk-Based Capital Ratio | 12.90 | |||
| Liquidity |
Bay State Savings Bank
Worcester, MA |
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| Hot Money Ratio | 26.25% | |||
| Liquidity Ratio | 17.49% | |||
| Profitability |
Bay State Savings Bank
Worcester, MA |
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| 5-Year Return on Average Assets | 0.40% | |||
| Net Income | 808.00K | |||
| Net Interest Spread | 2.87% | |||
| Operating Profit to Average Assets | 0.37% | |||
| Overhead Efficiency Ratio | 88.09% | |||
| Return on Assets | 0.30% | |||
| Return on Equity | 3.31% | |||