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Exhibit 10.10 FIRST AMENDMENT
TO
LOAN AGREEMENT THIS FIRST AMENDMENT TO LOAN AGREEMENT (this Amendment) is made and entered into as
of the 31st day of March 2005 by and between WESTERN RESERVE BANCORP, INC., an Ohio
corporation (the Borrower) and TCF NATIONAL BANK, a national banking association (the
Bank). RECITALS: A. The Borrower and the Bank are parties to a certain letter loan agreement dated as of May 5,
2003 (the Loan Agreement). All capitalized terms not otherwise defined herein shall have
the meanings given to them in the Loan Agreement. B. The Borrower has requested that the Bank modify the Loan Agreement for the purpose of
extending the Maturity Date from March 31, 2005 to June 30, 2005. C. The Bank has agreed to make said modification upon the terms and subject to the conditions
herein set forth. AGREEMENTS: NOW, THEREFORE, in consideration of the mutual covenants and agreements hereinafter set forth,
and for other good and valuable consideration, the nature, receipt and sufficiency of which are
hereby acknowledged, the parties hereto hereby agree as follows: Section 1. Conditions Precedent. The effectiveness of all of the amendments and
agreements set forth in this Amendment are subject to condition precedent that the Bank shall have
received all of the following items, each dated such date and in form and substance satisfactory to
the Bank, and each duly executed by all appropriate parties: (a) This Amendment. (b) A certificate of the secretary or an assistant secretary of the Borrower,
certifying: (i) the names of the officers of the Borrower authorized to sign this Amendment
and the other documents delivered or to be delivered in connection herewith to which the
Borrower is a party or by which it is bound, (ii) that the Articles of Incorporation and
Bylaws of the Borrower have not been amended, modified, supplemented or restated since the
date such documents were last certified to the Bank, and (iii) a copy of the resolutions of
the Board of Directors of the Borrower authorizing the execution, delivery and performance
by the Borrower of this Amendment and any other documents delivered or to be delivered in
connection herewith to which the Borrower is a party or by which it is bound, together with
all documents evidencing other necessary corporate action. (c) Such other documents or instruments as the Bank may reasonably require. Section 2. Amendment. Section 1.1 of the Loan Agreement is hereby amended by
deleting the reference to March 31, 2005 and replacing it with a reference to June 30, 2005. Page 32




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Section 3. Representations; No Default. The Borrower represents and warrants that: (a) the
Borrower has the power and legal right and authority to enter into this Amendment and has duly
authorized the execution and delivery of this Amendment and other agreements and documents executed
and delivered by the Borrower in connection herewith, (b) neither this Amendment nor the agreements
contained herein contravene or constitute an Event of Default, or an event which with the giving of
notice or passage of time or both would mature into an Event of Default (an Unmatured Event of
Default), under the Loan Agreement or a default under any other agreement, instrument or
indenture to which the Borrower is a party or a signatory, or any provision of the Borrowers
Articles of Incorporation or Bylaws or, to the best of the Borrowers knowledge, any other
agreement or requirement of law, or result in the imposition of any lien or other encumbrance on
any of its property under any agreement binding on or applicable to the Borrower or any of its
property except, if any, in favor of the Bank, (c) no consent, approval or authorization of or
registration or declaration with any party, including but not limited to any governmental
authority, is required in connection with the execution and delivery by the Borrower of this
Amendment or other agreements and documents executed and delivered by the Borrower in connection
herewith or the performance of obligations of the Borrower herein described, except for those which
the Borrower has obtained or provided and as to which the Borrower has delivered certified copies
of documents evidencing each such action to the Bank, (d) no events have taken place and no
circumstances exist at the date hereof which would give the Borrower grounds to assert a defense,
offset or counterclaim to the obligations of the Borrower under the Loan Agreement or any of the
other Loan Documents (defined below), and (e) there are no known claims, causes of action, suits,
debts, liens, obligations, liabilities, demands, losses, costs and expenses (including attorneys
fees) of any kind, character or nature whatsoever, fixed or contingent, which the Borrower may have
or claim to have against the Bank, which might arise out of or be connected with any act of
commission or omission of the Bank existing or occurring on or prior to the date of this Amendment,
including, without limitation, any claims, liabilities or obligations arising with respect to the
indebtedness evidenced by the Note. Section 4. Reaffirmation of Pledge Agreement. The Borrower hereby reaffirms that the
unpaid balance of the Note and all of the other obligations of the Borrower under the Loan
Agreement are now and shall hereafter continue to be secured by, among other things, a first
priority, perfected security interest in the Collateral described in that certain Pledge
Agreement dated May 5, 2003 executed by the Borrower in favor of the Lender. All of the terms,
conditions, provisions, agreements, requirements, promises, obligations, duties, covenants and
representations of the Borrower under such Pledge Agreement and any and all other documents and
agreements entered into with respect to the obligations of the Borrower under the Loan Agreement
(collectively, the Loan Documents) are incorporated herein by reference and are hereby
ratified and affirmed in all respects by the Borrower. Section 5. Affirmation, Further References. The Bank and the Borrower each acknowledge
and affirm that the Loan Agreement, as hereby amended, is hereby ratified and confirmed in all
respects and all terms, conditions and provisions of the Loan Agreement (except as amended by this
Amendment) and of each of the other Loan Documents shall remain unmodified and in full force and
effect. All references in any document or instrument to the Loan Agreement are hereby amended and
shall refer to the Loan Agreement as amended by this Amendment. Section 6. Merger and Integration, Superseding Effect. This Amendment, from and after
the date hereof, embodies the entire agreement and understanding between the parties hereto and
supersedes and has merged into it all prior oral and written agreements on the same subjects by and
between the parties hereto with the effect that this Amendment, shall control with respect to the
specific subjects hereof and thereof. Page 33




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Section 7. Severability. Whenever possible, each provision of this Amendment and any other
statement, instrument or transaction contemplated hereby or thereby or relating hereto or thereto
shall be interpreted in such manner as to be effective, valid and enforceable under the applicable
law of any jurisdiction, but, if any provision of this Amendment or any other statement, instrument
or transaction contemplated hereby or thereby or relating hereto or thereto shall be held to be
prohibited, invalid or unenforceable under the applicable law, such provision shall be ineffective
in such jurisdiction only to the extent of such prohibition, invalidity or unenforceability,
without invalidating or rendering unenforceable the remainder of such provision or the remaining
provisions of this Amendment or any other statement, instrument or transaction contemplated hereby
or thereby or relating hereto or thereto in such jurisdiction, or affecting the effectiveness,
validity or enforceability of such provision in any other jurisdiction. Section 8. Successors. This Amendment shall be binding upon the Borrower, the Bank
and their respective successors and assigns, and shall inure to the benefit of the Borrower, the
Bank and to the respective successors and assigns of the Bank. Section 9. Costs and Expenses. The Borrower agrees to reimburse the Bank, upon
execution of this Amendment, for all reasonable out-of-pocket expenses (including attorneys fees
and legal expenses of counsel for the Bank) incurred in connection with the Loan Agreement,
including in connection with the negotiation, preparation and execution of this Amendment and all
other documents negotiated, prepared and executed in connection with this Amendment, and in
enforcing the obligations of the Borrower under this Amendment, and to pay and save the Bank
harmless from all liability for, any stamp or other taxes which may be payable with respect to the
execution or delivery of this Amendment. Section 10. Headings. The headings of various sections of this Amendment have been
inserted for reference only and shall not be deemed to be a part of this Amendment. Section 11. Counterparts. This Amendment may be executed in several counterparts as
deemed necessary or convenient, each of which, when so executed, shall be deemed an original,
provided that all such counterparts shall be regarded as one and the same document, and any party
to this Amendment may execute any such agreement by executing a counterpart of such agreement. Section 12. Governing Law. This Amendment shall be governed by the internal laws of
the State of Minnesota, without giving effect to conflict of law principles thereof. Section 13. No Waiver. Nothing contained in this Amendment (or in any other agreement
or understanding between the parties) shall constitute a waiver of, or shall otherwise diminish or
impair, the Banks rights or remedies under the Loan Agreement or any of the other Loan Documents,
or under applicable law. [Remainder of page intentionally left blank;
signature page follows] Page 34




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IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to Loan Agreement to
be executed as of the day and year first above written. BORROWER:
    
    WESTERN RESERVE BANCORP, INC.,an Ohio corporationBy: /s/ Edward J. McKeonPrinted Name: Edward J. McKeonIts: President & CEOBy: /s/ Cynthia A. MahlPrinted Name: Cynthia A. MahlIts: Senior Vice PresidentBANK:
    
    TCF NATIONAL BANK,a national banking associationBy: /s/ Douglas W. BennerPrinted Name: Douglas W. BennerIts: Vice PresidentBy: /s/ A. K. PetersonPrinted Name: A. K. PetersonIts: Vice President
 Page 35