Cattaraugus County Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 11.2. A current level of 9.1 percent of nonperforming loans to core capital combined with 23.4 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Comm re (28%), securities (25%), home mtgs (14%), comm loans (10%), cash (6%), home eq lns (4%), consumer loans (1%), other (13%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
C.C.Bancorp, Inc.
Investment Rating
--
Address
120 Main Street
Little Valley, NY 14755
Little Valley, NY 14755
Phone Number
(716) 938-9128
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.