The Cortland Savings and Banking Company

The Cortland Savings and Banking Company is headquartered in Cortland and is the 43^rd largest bank in the state of Ohio. It is also the 1,345^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 158 employees at 14 locations. The Cortland Savings and Banking Company has a 5-star health rating.

The Cortland Savings and Banking Company Checking Account Rates

The Cortland Savings and Banking Company Savings Account Rates

The Cortland Savings and Banking Company Money Market Rates

The Cortland Savings and Banking Company CD Rates

Data for Q1 2012

Institution Statistics The Cortland Savings and Banking Company FDIC Certificate # 2281 BankRate Report View Year Established 1892 Employees 158 Primary Regulator FED Assets and Liabilities Assets $505.05 million Loans $281.02 million Deposits $409.50 million Equity Capital $43.67 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $2.58 million Real Estate Owned $359,000 Historic Data - March 2011 Assets $486.25 million Equity Capital $39.81 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $2.52 million Real Estate Owned $560,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.91% Return on Equity 10.91% Interest Income $5.30 million

Institution Health Overall Score: 5 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 March 31, 2012 The Cortland Savings and Banking Company had $2.94 million in non-current loans and owned real-estate with $46.81 million in equity and loan loss allowances on hand to cover it. This gives The Cortland Savings and Banking Company a Texas Ratio of 6.28% 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 The Cortland Savings and Banking Company held steady from 7.26% as of March 31, 2011 to 6.28% as of March 31, 2012, resulting in a positive change of 13.49%.This indicates that the balance sheet and financial strength for The Cortland Savings and Banking Company has held steady in recent periods. Deposit Growth In the past year, The Cortland Savings and Banking Company has increased its total deposits by $24.73 million, resulting in 6.43% 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 The Cortland Savings and Banking Company has shown is excellent. 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. The Cortland Savings and Banking Company has $505.05 million in assets with $46.81 million in equity, resulting in a capitalization level of 9.27%, which is average.

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