Bank of Cattaraugus
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (3.8) profitability. A current level of 5.7 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Comm re (24%), cash (24%), securities (20%), comm loans (9%), consumer loans (8%), home mtgs (8%), 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.