Vitals
  • Total Assets
    651.7M 7.1 %
  • Total Deposits
    540.2M 8.8 %
  • Total Net Loans
    419.5M 6.7 %
  • Net Income
    5.0M 7.4 %
  • Book Value
    53.8M 1.7 %
  • Book Value x2
    107.5M 1.7 %
  • Book Value x3
    161.3M 1.7 %
ROAA

.833

ROAE

9.204

Efficiency Ratio

71.922

Net Interest Margin

3.644

Balance Sheet Highlights
Financial Highlights The Cortland Savings And Banking Company All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 651,683 361,398
Total Net Loans 419,454 246,196
Total Deposits 540,170 299,385
Total Equity 53,759 40,120
Profitability
Net Income 5,034 3,580
Return on Average Assets .833 .879
Return on Average Equity 9.204 7.888
Net Interest Margin 3.644 3.69
Efficiency Ratio 71.922 68.453
Noninterest Income/Revenue 14.793 19.831
Balance Sheet Ratios
Loan-to-Deposit 77.652 76.786
Securities/Assets .271 .197
Total Equity/Total Assets .082 .111
Tangible Equity/Tangible Assets .082 .102
Capital Adequacy
Tier 1 Common Capital 56,720 37,120
Tier 1 Capital 56,720 37,403
Tier 2 Capital 10,952 2,742
Total Capital 67,672 40,139
Total Risk Weighted Assets 463,866 260,858
Leverage Ratio 9.1 10.639
Common Equity Tier 1 Capital Ratio 12.23 16.715
Tier 1 Capital Ratio 12.23 16.742
Total Capital Ratio 14.59 17.824

Timeline for The Cortland Savings And Banking Company

Csb Mortgage Company, Inc.

Csb Mortgage Company, Inc. became a new subsidiary organization for The Cortland Savings And Banking Company.

View Profile Mar 01 2012

Cortland Bancorp

Cortland Bancorp became a new parent organization for The Cortland Savings And Banking Company.

View Profile Apr 30 1985

Western Reserve Bank Of Portage County

Acquisition: The Cortland Savings And Banking Company acquired a new subsidiary, Western Reserve Bank Of Portage County, 44 years

View Profile Oct 15 1979

The Cortland Savings And Banking Company

The Cortland Savings And Banking Company was established 132 years ago and is currently headquartered in Cortland, OH.

Jan 01 1892
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Western Reserve Bank Of Portage County Seller 11,847 Discontinued 10/15/1979
Relationships Role Relationship Start Relationship End
Cortland Bancorp Parent 4/30/1985
Csb Mortgage Company, Inc. Subsidary 3/1/2012
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