| Weiss Ratings |
West Shore Bank
Ludington, MI |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 5.20 | |||
| Company Info |
West Shore Bank
Ludington, MI |
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| FDIC Number | 14929 | |||
| Phone Number | (231) 845-3500 | |||
| Website | www.westshorebank.com | |||
| Asset Quality |
West Shore Bank
Ludington, MI |
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| 1-Year Asset Growth | 6.12% | |||
| 5-Year Asset Growth | 13.23% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.18% | |||
| Non-Performing Loans to Capital | 1.15% | |||
| Non-Performing Loans to Loans | 0.25% | |||
| Balance Sheet |
West Shore Bank
Ludington, MI |
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| Total Assets | 778.47M | |||
| Total Deposits | 658.62M | |||
| Capital and Reserves |
West Shore Bank
Ludington, MI |
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| Capital | 62.46M | |||
| Leverage Ratio | 8.65 | |||
| Loan Loss Reserves to Loans | 0.97% | |||
| Risk-Based Capital Ratio | 11.56 | |||
| Liquidity |
West Shore Bank
Ludington, MI |
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| Hot Money Ratio | 14.80% | |||
| Liquidity Ratio | 9.60% | |||
| Profitability |
West Shore Bank
Ludington, MI |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 1.33M | |||
| Net Interest Spread | 3.66% | |||
| Operating Profit to Average Assets | 0.80% | |||
| Overhead Efficiency Ratio | 77.07% | |||
| Return on Assets | 0.68% | |||
| Return on Equity | 8.65% | |||