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Data for trailing four quarters

For the definition of a financial field, select the field name below.

Performance Ratios (%)		CLDB	Peer Median	Peer Average
	ROAA	0.48	0.81	0.72
	ROAE	5.24	7.83	7.47
	Net Interest Margin	3.46	3.48	3.53
	Efficiency Ratio	69.03	71.45	72.33
	Loans / Deposits	67.45	73.51	74.39

Asset Quality Ratios (%)
	NPAs / Assets	1.19	2.35	2.39
	NCOs / Avg Loans	0.70	0.51	0.48
	Reserves / Loans	1.24	1.27	1.55
	Reserves / NPAs	59.68	49.27	47.46

Capital Ratios (%)
	Tier 1 Capital	13.96	14.08	14.46
	Tangible Equity / Tangible Assets	9.25	9.41	8.89
	Total Equity / Total Assets	9.25	9.95	9.80

Market Ratios
	Price / Earnings (x)	18.30	12.44	14.00
	Price / Book (%)	91.77	90.95	93.21
	Dividend Yield (%)	1.17	2.82	2.63

Cortland Bancorp's peer group consists of the following: Croghan Bancshares, Inc. (CHBH), DCB Financial Corp (DCBF), Farmers & Merchants Bancorp, Inc. (FMAO), Farmers National Banc Corp. (FMNB), First Citizens Banc Corp (FCZA), LCNB Corp. (LCNB), LNB Bancorp, Inc. (LNBB), Middlefield Banc Corp. (MBCN), NB&T Financial Group, Inc. (NBTF), Ohio Valley Banc Corp. (OVBC), PVF Capital Corp. (PVFC), SB Financial Group, Inc. (SBFG), United Bancorp, Inc. (UBCP), United Bancshares, Inc. (UBOH), Wayne Savings Bancshares, Inc. (WAYN)

Cortland Bancorp's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013