| Weiss Ratings |
West Shore Bank
Ludington, MI |
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| Rating | ||||
| Asset Quality Index | 4.80 | |||
| Capitalization Index | 8.30 | |||
| Liquidity Index | 1.30 | |||
| 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 | 5.57% | |||
| 5-Year Asset Growth | 9.42% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.96% | |||
| Non-Performing Loans to Capital | 9.38% | |||
| Non-Performing Loans to Loans | 1.22% | |||
| Balance Sheet |
West Shore Bank
Ludington, MI |
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| Total Assets | 833.57M | |||
| Total Deposits | 720.20M | |||
| Capital and Reserves |
West Shore Bank
Ludington, MI |
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| Capital | 78.23M | |||
| Leverage Ratio | 9.85 | |||
| Loan Loss Reserves to Loans | 0.95% | |||
| Risk-Based Capital Ratio | 12.62 | |||
| Liquidity |
West Shore Bank
Ludington, MI |
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| Hot Money Ratio | 16.41% | |||
| Liquidity Ratio | 9.98% | |||
| Profitability |
West Shore Bank
Ludington, MI |
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| 5-Year Return on Average Assets | 0.73% | |||
| Net Income | 3.44M | |||
| Net Interest Spread | 3.97% | |||
| Operating Profit to Average Assets | 1.00% | |||
| Overhead Efficiency Ratio | 76.64% | |||
| Return on Assets | 0.83% | |||
| Return on Equity | 8.99% | |||