| Weiss Ratings |
West Shore Bank
Ludington, MI |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 7.60 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 4.20 | |||
| Stability Index | 5.90 | |||
| 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 | 6.75% | |||
| 5-Year Asset Growth | 9.42% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 2.67% | |||
| Non-Performing Loans to Loans | 0.41% | |||
| Balance Sheet |
West Shore Bank
Ludington, MI |
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| Total Assets | 820.23M | |||
| Total Deposits | 685.52M | |||
| Capital and Reserves |
West Shore Bank
Ludington, MI |
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| Capital | 74.79M | |||
| Leverage Ratio | 9.39 | |||
| Loan Loss Reserves to Loans | 0.95% | |||
| Risk-Based Capital Ratio | 12.53 | |||
| Liquidity |
West Shore Bank
Ludington, MI |
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| Hot Money Ratio | 14.21% | |||
| Liquidity Ratio | 10.43% | |||
| Profitability |
West Shore Bank
Ludington, MI |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 6.86M | |||
| Net Interest Spread | 3.93% | |||
| Operating Profit to Average Assets | 1.03% | |||
| Overhead Efficiency Ratio | 74.55% | |||
| Return on Assets | 0.86% | |||
| Return on Equity | 10.23% | |||