Bank of Cattaraugus, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Founded in 1882, Bank of Cattaraugus is one of the oldest and strongest banks in New York State. Bank of Cattaraugus is a full-service, independent bank that provides financial services with a hometown touch. Personal, friendly service is banks signature trademark, and Bank of Cattaraugus is dedicated to giving back to the communities it services.

Today, Bank of Cattaraugus continues to operate with the same belief that the needs of the local community and its residents are its business. Local deposits must remain available for local loans to sustain a vibrant community. The stockholders, directors, officers, and staff extend a "thank you" to all whom have supported this American Ideal during the past three centuries.

Bank of Cattaraugus 24 Main Street Cattaraugus, NY 14719 Phone: 716.257.3431 Fax: 716.257.9116