Call reports 2025
BAY STATE SAVINGS BANK — 2025
What BAY STATE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 547,133,000 | 553,386,000 | 581,401,000 | 571,932,000 |
| Total loans | 431,742,000 | 444,390,000 | 457,945,000 | 469,845,000 |
| Allowance for loan losses | 4,317,000 | 4,362,000 | 4,360,000 | 4,335,000 |
| Securities available for sale | 42,495,000 | 41,872,000 | 41,730,000 | 42,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,189,000 | 494,225,000 | 520,795,000 | 510,452,000 |
| Interest-bearing deposits | 372,972,000 | 377,344,000 | 399,812,000 | 395,181,000 |
| Noninterest-bearing deposits | 115,217,000 | 116,881,000 | 120,983,000 | 115,271,000 |
| Equity capital | 48,859,000 | 49,293,000 | 50,096,000 | 51,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,189,000 | 12,495,000 | 19,049,000 | 25,905,000 |
| Interest expense | 2,518,000 | 5,056,000 | 7,617,000 | 10,180,000 |
| Net interest income | 3,671,000 | 7,439,000 | 11,432,000 | 15,725,000 |
| Noninterest income | 344,000 | 771,000 | 1,216,000 | 1,704,000 |
| Noninterest expense | 3,562,000 | 7,232,000 | 11,086,000 | 15,141,000 |
| Provision for loan losses | -61,000 | -70,000 | -70,000 | -70,000 |
| Pretax income | 439,000 | 1,011,000 | 1,641,000 | 2,691,000 |
| Income tax | 82,000 | 203,000 | 337,000 | 596,000 |
| Net income | 357,000 | 808,000 | 1,304,000 | 2,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,094,000 | 47,540,000 | 48,122,000 | 48,945,000 |
| Total capital | 51,655,000 | 52,190,000 | 52,770,000 | 53,568,000 |
| Risk-weighted assets | 364,856,000 | 404,700,000 | 419,267,000 | 431,669,000 |