| Weiss Ratings |
West Shore Bank
Ludington, MI |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 7.70 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 5.30 | |||
| 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 | 3.45% | |||
| 5-Year Asset Growth | 13.23% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.15% | |||
| Non-Performing Loans to Capital | 0.93% | |||
| Non-Performing Loans to Loans | 0.22% | |||
| Balance Sheet |
West Shore Bank
Ludington, MI |
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| Total Assets | 836.56M | |||
| Total Deposits | 700.41M | |||
| Capital and Reserves |
West Shore Bank
Ludington, MI |
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| Capital | 73.05M | |||
| Leverage Ratio | 9.49 | |||
| Loan Loss Reserves to Loans | 0.99% | |||
| Risk-Based Capital Ratio | 12.76 | |||
| Liquidity |
West Shore Bank
Ludington, MI |
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| Hot Money Ratio | 13.72% | |||
| Liquidity Ratio | 16.66% | |||
| Profitability |
West Shore Bank
Ludington, MI |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 5.40M | |||
| Net Interest Spread | 3.90% | |||
| Operating Profit to Average Assets | 1.10% | |||
| Overhead Efficiency Ratio | 72.86% | |||
| Return on Assets | 0.91% | |||
| Return on Equity | 11.11% | |||