Bank of Cattaraugus
Major Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Comm re (30%), securities (24%), cash (13%), comm loans (10%), consumer loans (9%), home mtgs (7%), other (7%)
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
Investment Rating
--
Address
24 Main Street
Cattaraugus, NY 14719
Cattaraugus, NY 14719
Phone Number
(716) 257-3431
Year Founded
1882
FDIC Number
Website
Largest Affiliates
No affiliate information available.