West Shore Bank

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LOCATIONS

48 Month Relationship CD

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.30%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.90%	4-year CD	48 Month CD 1.80% - Goldman Sachs Bank USA 4 Year CD
0.70%	3-year CD	36 Month CD 1.85% - Synchrony Bank 36 Month CD

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Overview / Commentary

www.westshorebank.com

888-295-4373

201 West Loomis Street
Ludington, MI 49431

West Shore Bank is headquartered in Ludington and is the 27^th largest bank in the state of Michigan. It is also the 1,646^th largest bank in the nation. It was established in 1898 and as of March of 2017, it had grown to 99 employees at 8 locations. West Shore Bank has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	14929
Year Established	1898
Employees	99
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	8.7%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$428.0MM$396.3MM
Loans	Q1 2017vs Q1 2016	$274.8MM$251.7MM
Deposits	Q1 2017vs Q1 2016	$337.3MM$309.9MM
Equity Capital	Q1 2017vs Q1 2016	$35.9MM$36.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$3.3MM$3.2MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$2.1MM$2.4MM
Real Estate Owned	Q1 2017vs Q1 2016	$695.00K$1.1MM

Rates

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West Shore Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$500	-	48 Month Relationship CD
0.95%	$500	-	36 Month Relationship CD
0.90%	$500	-	48 Month CD
0.75%	$500	-	24 Month Relationship CD
0.70%	$500	-	36 Month CD
0.65%	$500	-	18 Month Relationship CD
0.55%	$500	-	12 Month Relationship CD
0.50%	$500	-	24 Month CD
0.45%	$500	-	6 Month Relationship CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	3 Month Relationship CD
0.30%	$500	-	12 Month CD
0.20%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

West Shore Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$100	-	24 Month Variable IRA
0.90%	$500	-	48 Month Fixed Rate IRA
0.70%	$500	-	36 Month Fixed Rate IRA
0.50%	$500	-	24 Month Fixed Rate IRA
0.30%	$500	-	12 Month Fixed Rate IRA

Locations

West Shore Bank Locations
Scottville Branch	107-109 West State Street	Scottville, MI 49454
West Shore Bank	201 West Loomis Street	Ludington, MI 49431
Cypress Street Branch	306 Cypress Street	Manistee, MI 49660
Hart Branch	4070 West Polk Road	Hart, MI 49420
Manistee Branch	415 Parkdale	Manistee, MI 49660
Ludington Branch	5725 West U.S. 10	Pere Marquette Township, MI 49431
Frankfort Branch	501 Main Street	Frankfort, MI 49635
Manistee Branch	120 Cypress Street	Manistee, MI 49660