Bank of Cattaraugus

Bank of Cattaraugus is headquartered in Cattaraugus and is the 178^th largest bank in the state of New York. It is also the 7,291^st largest bank in the nation. It was established in 1882 and as of December of 2011, it had grown to 8 employees at 1 location. Bank of Cattaraugus has a 3-star health rating.

Bank of Cattaraugus Routing Number: 022306847

Data for Q4 2011

Institution Statistics Bank of Cattaraugus FDIC Certificate # 9406 BankRate Report View Year Established 1882 Employees 8 Primary Regulator FED Assets and Liabilities Assets $14.04 million Loans $7.53 million Deposits $12.67 million Equity Capital $1.37 million Loan Loss Allowance $110,000 Unbacked Noncurrent Loans $129,000 Real Estate Owned $131,000 Historic Data - December 2010 Assets $14.62 million Equity Capital $1.11 million Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $84,000 Real Estate Owned $29,000 Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets -1.38% Return on Equity -18.33% Interest Income $754,000

Institution Health Overall Score: 3 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 December 31, 2011 Bank of Cattaraugus had $260,000 in non-current loans and owned real-estate with $1.48 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cattaraugus a Texas Ratio of 17.63% 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 Bank of Cattaraugus increased slightly from 9.32% as of December 31, 2010 to 17.63% as of December 31, 2011, resulting in a negative change of 89.22%. This indicates that the balance sheet and financial strength for Bank of Cattaraugus has declined slightly in recent periods. Deposit Growth In the past year, Bank of Cattaraugus has decreased its total deposits by $-219,000, resulting in -1.7% 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 Bank of Cattaraugus has shown is below 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. Bank of Cattaraugus has $14.04 million in assets with $1.48 million in equity, resulting in a capitalization level of 10.50%, which is above average.

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