Call reports 2009
WESTERN RESERVE BANK — 2009
What WESTERN RESERVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 183,408,000 | 192,478,000 | 188,563,000 | 201,711,000 |
| Total loans | 150,945,000 | 156,585,000 | 161,080,000 | 167,867,000 |
| Allowance for loan losses | 1,824,000 | 2,089,000 | 2,250,000 | 2,316,000 |
| Securities available for sale | 10,059,000 | 11,131,000 | 11,001,000 | 10,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,291,000 | 173,306,000 | 166,997,000 | 178,321,000 |
| Interest-bearing deposits | 144,923,000 | 150,561,000 | 146,049,000 | 155,326,000 |
| Noninterest-bearing deposits | 19,368,000 | 22,745,000 | 20,948,000 | 22,995,000 |
| Equity capital | 15,150,000 | 15,004,000 | 15,310,000 | 15,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,083,000 | 4,215,000 | 6,453,000 | 8,733,000 |
| Interest expense | 768,000 | 1,482,000 | 2,152,000 | 2,807,000 |
| Net interest income | 1,315,000 | 2,733,000 | 4,301,000 | 5,926,000 |
| Noninterest income | 116,000 | 231,000 | 361,000 | 494,000 |
| Noninterest expense | 1,247,000 | 2,613,000 | 3,917,000 | 5,311,000 |
| Provision for loan losses | 138,000 | 482,000 | 669,000 | 885,000 |
| Pretax income | 46,000 | -131,000 | 76,000 | 224,000 |
| Income tax | -5,000 | -85,000 | -37,000 | -8,000 |
| Net income | 51,000 | -46,000 | 113,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,925,000 | 14,829,000 | 14,987,000 | 15,106,000 |
| Total capital | 16,749,000 | 16,872,000 | 19,083,000 | 21,270,000 |
| Risk-weighted assets | 157,788,000 | 163,393,000 | 167,520,000 | 172,938,000 |