Call reports 2012
WESTERN RESERVE BANK — 2012
What WESTERN RESERVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 190,128,000 | 189,913,000 | 184,362,000 |
| Total loans | 147,300,000 | 143,659,000 | 139,777,000 |
| Allowance for loan losses | 3,055,000 | 2,839,000 | 2,898,000 |
| Securities available for sale | 16,833,000 | 17,220,000 | 16,712,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 169,741,000 | 169,325,000 | 163,796,000 |
| Interest-bearing deposits | 144,720,000 | 141,480,000 | 136,090,000 |
| Noninterest-bearing deposits | 25,021,000 | 27,845,000 | 27,706,000 |
| Equity capital | 18,314,000 | 18,464,000 | 18,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 2,000,000 | 3,954,000 | 5,883,000 |
| Interest expense | 341,000 | 656,000 | 948,000 |
| Net interest income | 1,659,000 | 3,298,000 | 4,935,000 |
| Noninterest income | 152,000 | 316,000 | 495,000 |
| Noninterest expense | 1,384,000 | 2,785,000 | 4,159,000 |
| Provision for loan losses | 31,000 | 280,000 | 280,000 |
| Pretax income | 396,000 | 549,000 | 991,000 |
| Income tax | 110,000 | 136,000 | 261,000 |
| Net income | 286,000 | 413,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 17,986,000 | 18,048,000 | 17,972,000 |
| Total capital | 19,866,000 | 19,895,000 | 19,761,000 |
| Risk-weighted assets | 149,248,000 | 146,747,000 | 142,022,000 |