Cattaraugus County Bank

116-20 Main Street
Little Valley, NY 14755
800-882-9903
www.ccblv.com

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Cattaraugus County Bank is headquartered in Little Valley and is the 124^th largest bank in the state of New York. It is also the 3,318^st largest bank in the nation. It was established in 1902 and as of December of 2012, it had grown to 64 employees at 9 locations. Cattaraugus County Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Cattaraugus County Bank Routing Number: 022307820

Rate Drop To 2.75% & Cap Limit Down To 15K (Forum) - 12/12/2010

Dropped their RCA rate from 3.25% to 2.75% APY and cap limit for higher interest rate is 15K down from 25K beginning Jan 1 , 2011

5 Best Reward Checking Accounts Available Nationwide - Updated for November - 11/2/2010

Reward checking has been helpful in this awful interest rate environment by providing savers a way to get a little higher yield on their liquid money. Rates have held up better than internet savings a ...

Cattaraugus County Bank Opens Up Its High-Yield Reward Checking Account - 10/14/2010

I first reported on Cattaraugus County Bank's high-yield reward checking account in July 2009 ( see review ). After more than a year, the rate has held at 3.25% APY for balances up to $25,000. The ban ...

3.25% Reward Checking Account at Cattaraugus County Bank in Western New York - Local Only - 7/22/2009

Cattaraugus County Bank is offering a reward checking account called Maximum Green Checking with the following rates and features if certain monthly requirements are met:3.25% APY on balances up to $25,0001.01% APY on portion of balance over $25,0000.10%...

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See Rates for: Checking | Savings | Money Market | CD

Cattaraugus County Bank Checking Account Rates

Apy	Min	Max	Product
1.75%	-	$10k	Maximum Green Checking Account
0.25%	$100k	-	CCB Total Banking

Cattaraugus County Bank Savings Account Rates

Apy	Min	Max	Product
0.75%	$100	-	Individual Retirement Account
0.38%	$5k	-	Gold Club Savings Account
0.25%	$5k	-	Statement Savings Account
0.25%	-	-	CCB Christmas Club
0.25%	$5k	-	CCB Kids Cash Club

Cattaraugus County Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Money Management Account
0.25%	-	-	Money Market Investment Account

Cattaraugus County Bank CD Rates

Apy	Min	Max	Product
0.69%	$1k	-	48 Month CD
0.54%	$1k	-	36 Month CD
0.44%	$1k	-	30 Month CD
0.39%	$1k	-	24 Month CD
0.29%	$1k	-	18 Month CD
0.24%	$1k	-	12 Month CD
0.10%	$1k	-	6 Month CD

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

Cattaraugus County Bank
FDIC Certificate #	12959
BankRate Report	View
Year Established	1902
Employees	64
Primary Regulator	FDIC
Assets and Liabilities
Assets	$182.84 million
Loans	$98.66 million
Deposits	$161.30 million
Equity Capital	$16.35 million
Loan Loss Allowance	$1.82 million
Unbacked Noncurrent Loans	$1.19 million
Historic Data - December 2011
Assets	$186.37 million
Equity Capital	$15.48 million
Loan Loss Allowance	$1.39 million
Unbacked Noncurrent Loans	$1.45 million
Real Estate Owned	$703,000
Profit Margin - Quarterly
Net Interest Margin	4.18%
Return on Assets	0.63%
Return on Equity	7.28%
Interest Income	$7.37 million

Institution Health

Overall Score:

4 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, 2012 Cattaraugus County Bank had $1.19 million in non-current loans and owned real-estate with $18.17 million in equity and loan loss allowances on hand to cover it. This gives Cattaraugus County Bank a Texas Ratio of 6.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cattaraugus County Bank decreased significantly from 12.76% as of December 31, 2011 to 6.56% as of December 31, 2012, resulting in a positive change of 48.60%.This indicates that the balance sheet and financial strength for Cattaraugus County Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Cattaraugus County Bank has decreased its total deposits by -$4.62 million, resulting in -2.79% 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 Cattaraugus County Bank 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. Cattaraugus County Bank has $182.84 million in assets with $18.17 million in equity, resulting in a capitalization level of 9.94%, which is average.