Cattaraugus County Bank in Little Valley, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Cattaraugus County Bank in Little Valley, New York (NY)
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Cattaraugus County Bank routing number info

Cattaraugus County Bank - Overview

  • General
  • FDIC Certificate #: 12959
    Status: Active
    Federal Reserve ID: 254504
    Bank Holding Company (Regulatory Top Holder): C.C.bancorp, Inc. (RSSDID: 3009714, Location: Little Valley, NY)
    Date Established: January 01, 1902
    WWW: http://www.ccblv.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 14283
    FDIC's unique #: 8191
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 14, 2008
    Last Structure Change Process Date: July 14, 2008
    Last Data Update: July 14, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 116-20 Main Street, Little Valley, NY 14755
    County: Cattaraugus
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Buffalo-Niagara-Cattaraugus, NY (#160)
    Core Based Statistical Area (CBSA): Olean, NY (#36460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $186.4 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $165.9 mil
    Return on assets (ROA): 0.62% ($1.2 mil)
    Quarterly return on assets: 0.56% ($1.0 mil)
    Return on Equity (ROE): 7.53% ($1.1 mil)
    Quarterly return on equity: 6.68% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.81% ($1,509.6 mil)
    Quarterly Pretax return on assets: 0.83% ($1,546.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $186,374Total assets
  • $15,099Cash and due from depository institutions
  • $113Interest-bearing balances
  • $52,019Securities
  • $6,375Federal funds sold & reverse repurchase agreements
  • $97,848Net loans & leases
  • $1,388Loan loss allowance
  • $0Trading account assets
  • $5,648Bank premises and fixed assets
  • $703Other real estate owned
  • $1,624Goodwill and other intangibles
  • $186,374Life insurance assets
  • $7,058All other assets
  • $170,893Total liabilities and capital
  • $165,928Total liabilities
  • $134,133Total deposits
  • $165,928Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,879Trading liabilities
  • $0Other borrowed funds
  • $3,086Subordinated debt
  • $15,481All other liabilities
  • $15,481Total equity capital
  • $15,481Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $14,681Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,450Income earned, not collected on loans
  • $0Earning assets
  • $637Long-term assets (5+ years)
  • $156,355Average Assets, year-to-date
  • $75,072Average Assets, quarterly
  • $180,559Volatile liabilities
  • $184,256Insider loans
  • $111,361FHLB advances
  • $179,336Loans and leases held for sale
  • $4,936Unused loan commitments
  • $4,936Tier 1 (core) risk-based capital
  • $13,124Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,380Restructured Loans and leases
  • $1,165Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,868Total interest income
  • $1,114Total interest expense
  • $6,754Net interest income
  • $360Provision for loan and lease losses
  • $1,592Total noninterest income
  • $0Fiduciary activities
  • $652Service charges on deposit accounts
  • $0Trading account gains & fees
  • $940Additional noninterest income
  • $6,687Total noninterest expense
  • $3,406Salaries and employee benefits
  • $1,132Premises and equipment expense
  • $2,149Additional noninterest expense
  • $1,299Pre-tax net operating income
  • $155Securities gains (losses)
  • $342Applicable income taxes
  • $1,112Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,112Net income attributable to bank
  • $0Net charge-offs
  • $1,112Cash dividends
  • $718Sale, conversion, retirement of capital stock, net
  • $216Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.37%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 7.53%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 50.14%Credit loss provision to net charge-offs
  • 2.31%Efficiency ratio
  • 80,122Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.42%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 95.72%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 58.97%Net loans and leases to core deposits
  • 59.44%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 7.32%Tier 1 risk-based capital ratio
  • 11.79%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $180,559Average earning assets
  • $14,758Average equity
  • $154,538Average loans

List of branches

  • 9 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08191Cattaraugus County Bank116-20 Main Street, Little Valley, NY 14755January 01, 1902Full Service Brick and Mortar
    1228614Franklinville Branch7 South Main Street, Franklinville, NY 14737November 24, 1980Full Service Brick and Mortar
    2228615Randolph Branch42 Main Street, Randolph, NY 14772September 20, 1982Full Service Brick and Mortar
    345755Broad Street Branch550 Broad Street, Salamanca, NY 14779November 30, 1989Full Service Brick and Mortar
    4228616Springville Branch325 South Cascade Drive, Springville, NY 14141Febuary 12, 1996Full Service Brick and Mortar
    5213899Cherry Creek Branch6770 Main Street, Cherry Creek, NY 14723July 01, 1946Full Service Brick and Mortar
    6213905South Dayton Branch110 Park Street, South Dayton, NY 14138August 24, 1946Full Service Brick and Mortar
    7444977Dunkirk/Fredonia Branch1165 Main Street Extension, Dunkirk, NY 14048August 15, 2005Full Service Brick and Mortar
    8453917Fairmount Avenue Branch870 Fairmount Avenue, Jamestown, NY 14701July 10, 2006Full Service Brick and Mortar

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