Western Reserve Bank

Western Reserve Bank is headquartered in Medina and is the 95^th largest bank in the state of Ohio. It is also the 3,246^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 35 employees at 3 locations. Western Reserve Bank has a 4-star health rating.

Western Reserve Bank Routing Number: 041215508

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Data for Q1 2012

Institution Statistics Western Reserve Bank FDIC Certificate # 34894 BankRate Report View Year Established 1998 Employees 35 Primary Regulator FED Assets and Liabilities Assets $190.13 million Loans $144.25 million Deposits $169.74 million Equity Capital $18.31 million Loan Loss Allowance $3.06 million Unbacked Noncurrent Loans $4.39 million Real Estate Owned $991,000 Historic Data - March 2011 Assets $186.59 million Equity Capital $17.29 million Loan Loss Allowance $4.51 million Unbacked Noncurrent Loans $7.17 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.6% Return on Equity 6.27% Interest Income $2.00 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Western Reserve Bank had $5.38 million in non-current loans and owned real-estate with $21.37 million in equity and loan loss allowances on hand to cover it. This gives Western Reserve Bank a Texas Ratio of 25.19% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Western Reserve Bank decreased slightly from 37.79% as of March 31, 2011 to 25.19% as of March 31, 2012, resulting in a positive change of 33.36%.This indicates that the balance sheet and financial strength for Western Reserve Bank has improved slightly in recent periods. Deposit Growth In the past year, Western Reserve Bank has increased its total deposits by $3.49 million, resulting in 2.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Western Reserve Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Western Reserve Bank has $190.13 million in assets with $21.37 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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