Vitals
  • Total Assets
    377.2M 5.1 %
  • Total Deposits
    302.8M 6.0 %
  • Total Net Loans
    318.3M 5.2 %
  • Net Income
    1.2M -19.1 %
  • Book Value
    33.4M 3.6 %
  • Book Value x2
    66.8M 3.6 %
  • Book Value x3
    100.2M 3.6 %
ROAA

.332

ROAE

3.787

Efficiency Ratio

81.594

Net Interest Margin

3.204

Balance Sheet Highlights
Financial Highlights Bay State Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 377,247 761,274
Total Net Loans 318,339 592,852
Total Deposits 302,767 596,855
Total Equity 33,416 82,059
Profitability
Net Income 1,250 4,648
Return on Average Assets .332 .538
Return on Average Equity 3.787 4.944
Net Interest Margin 3.204 3.143
Efficiency Ratio 81.594 77.098
Noninterest Income/Revenue 11.372 14.538
Balance Sheet Ratios
Loan-to-Deposit 105.143 95.714
Securities/Assets .075 .124
Total Equity/Total Assets .089 .108
Tangible Equity/Tangible Assets .088 .106
Capital Adequacy
Tier 1 Common Capital 32,458 80,540
Tier 1 Capital 32,458 80,580
Tier 2 Capital 3,929 5,839
Total Capital 36,387 86,408
Total Risk Weighted Assets 274,901 559,688
Leverage Ratio 8.45 10.827
Common Equity Tier 1 Capital Ratio 11.81 15.478
Tier 1 Capital Ratio 11.81 15.53
Total Capital Ratio 13.24 16.563

Timeline for Bay State Savings Bank

1895 Corporation

1895 Corporation became a new parent organization for Bay State Savings Bank.

View Profile May 01 2007

Bssb Corp

Bssb Corp became a new subsidiary organization for Bay State Savings Bank.

View Profile May 01 2007

Worcester Lofts Limited Partnership

Worcester Lofts Limited Partnership became a new subsidiary organization for Bay State Savings Bank.

View Profile May 01 2007

Bssb Securities Corporation

Bssb Securities Corporation became a new subsidiary organization for Bay State Savings Bank.

View Profile May 01 2007

Bay State Savings Bank

Bay State Savings Bank was established 129 years ago and is currently headquartered in Worcester, MA.

Mar 09 1895
Relationships Role Relationship Start Relationship End
1895 Corporation Parent 5/1/2007
Bssb Corp Subsidary 5/1/2007
Worcester Lofts Limited Partnership Subsidary 5/1/2007
Bssb Securities Corporation Subsidary 6/30/2007
Bssb Securities Corporation Subsidary 5/1/2007 6/29/2007
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