PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Reserve Bank

Medina, OH · Cert 34894

FDIC

Q3 2012

$184.4MAssets
$139.8MLoans
$163.8MDeposits
$18.4MEquity
Loan mix
79%RE $80.9M18%C&I $18.1M3%Consumer $3.2MQ4 2010Q3 2012
Deposit mix
83%Interest-bearing $136.1M17%Noninterest $27.7MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 0.51%, down 16 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.37%.
  • Funding: loans stand at 85.34% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

0.51%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-6 bps YoY

Efficiency Ratio (YTD, annualized)

76.59%+436 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.39%Q3 ’104.43%Q3 ’114.17%Q3 ’12+9%-2%

Non-interest income vs. expense

2.60%Q3 ’102.74%Q3 ’112.95%Q3 ’12+10%+4%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.94%0.77%0.67%0.68%0.58%0.60%0.43%0.51%-16 bps
Return on Equity-10.80%8.56%7.36%7.42%6.32%6.27%4.51%5.31%-211 bps
Net Interest Margin3.37%3.76%3.71%3.56%3.50%3.51%3.46%3.50%-6 bps
Efficiency Ratio73.88%71.82%72.00%72.23%74.70%76.42%77.06%76.59%+436 bps
Non-Interest Burden2.41%2.63%2.60%2.50%2.55%2.61%2.59%2.60%+9 bps
Growth
Asset Growth (YoY)-5.15%-8.37%-8.27%-3.39%0.44%1.90%-0.41%-5.54%-215 bps
Loan Growth (YoY)-4.84%-6.48%-5.38%-5.09%-9.77%-5.70%-8.18%-9.37%-428 bps
Deposit Growth (YoY)-3.56%-8.39%-7.91%-3.51%-0.09%2.10%-1.01%-6.41%-290 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.68%0.12%0.92%1.35%1.28%-0.04%0.63%0.37%-98 bps
Allowance / Loans2.84%2.89%2.53%2.04%2.09%2.07%1.98%2.07%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.32%11.81%12.17%12.58%13.47%13.31%13.56%13.91%+134 bps
Equity / Assets8.85%9.27%9.25%9.26%9.45%9.63%9.72%10.00%+74 bps
Liquidity & Funding
Loans / Deposits92.89%93.96%91.47%88.12%83.89%86.78%84.84%85.34%-279 bps
Liquid Assets / Assets6.23%5.80%7.66%8.32%12.02%9.36%10.33%10.38%+206 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a