Call reports 2006
WESTERN RESERVE BANK — 2006
What WESTERN RESERVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 129,688,000 | 135,761,000 | 139,520,000 | 144,081,000 |
| Total loans | 113,245,000 | 113,263,000 | 113,340,000 | 110,149,000 |
| Allowance for loan losses | 1,606,000 | 1,604,000 | 1,505,000 | 1,588,000 |
| Securities available for sale | 7,298,000 | 4,032,000 | 5,021,000 | 10,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,514,000 | 120,389,000 | 123,724,000 | 127,985,000 |
| Interest-bearing deposits | 100,569,000 | 105,104,000 | 109,583,000 | 111,144,000 |
| Noninterest-bearing deposits | 13,945,000 | 15,285,000 | 14,141,000 | 16,841,000 |
| Equity capital | 9,725,000 | 9,963,000 | 10,371,000 | 10,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,266,000 | 4,688,000 | 7,261,000 | 9,831,000 |
| Interest expense | 933,000 | 1,969,000 | 3,122,000 | 4,351,000 |
| Net interest income | 1,333,000 | 2,719,000 | 4,139,000 | 5,480,000 |
| Noninterest income | 81,000 | 165,000 | 303,000 | 396,000 |
| Noninterest expense | 1,037,000 | 2,062,000 | 3,150,000 | 4,218,000 |
| Provision for loan losses | -131,000 | -61,000 | -112,000 | -40,000 |
| Pretax income | 508,000 | 883,000 | 1,404,000 | 1,698,000 |
| Income tax | 171,000 | 296,000 | 467,000 | 557,000 |
| Net income | 337,000 | 587,000 | 937,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,760,000 | 10,010,000 | 10,360,000 | 10,663,000 |
| Total capital | 12,406,000 | 12,727,000 | 13,060,000 | 13,341,000 |
| Risk-weighted assets | 115,552,000 | 121,277,000 | 119,955,000 | 118,102,000 |