Title Sponsors

Crowe Horwath
Ice Miller llp

Participating Companies

Cortland Bancorp

Cortland Bancorp, a $500 million community banking organization, was incorporated under the laws of the State of Ohio in 1984, as a bank holding company registered under the Bank Holding Company Act of 1956, as amended. The principal activity of the Company is to own, manage and supervise the Cortland Savings and Banking Company ("Cortland Banks" or the "Bank").

Cortland Banks is a full-service, state-chartered bank engaged in commercial and retail banking. Business is conducted at a total of thirteen offices in a five-county area and is strategically situated in the developing Utica and Marcelles Shale activity area of Northeast Ohio.  The Bank’s services include checking accounts, savings accounts, time deposit accounts, commercial and business banking, mortgage and installment lending, internet banking, remote deposit capture, cash management, merchant services, automated teller services, safe deposit boxes and other miscellaneous services normally offer

The Bank also provides brokerage and investment services through its Cortland Investment Group and its arrangement with Investment Professionals, Inc.  Under this arrangement, financial advisors can offer customers an extensive range of investment products and services, including estate planning, qualified retirement plans, mutual funds, annuities, life insurance, fixed income and equity securities and equity research and recommendations.

CSB Mortgage Company, Inc. (CSB)  is a wholly-owned subsidiary of Cortland Banks and functions as the originator of wholesale and retail mortgage loans and the seller of company-wide mortgage loans in the secondary mortgage market. Its operations are just an extension of the mortgage activities currently conducted by the Bank, but capturing the out-of-market portion for compliance purposes.

Cortland Bancorp stock trades on the NASDAQ OTC Bulletin Board (OTCBB) under the symbol CLDB. The corporation makes available to shareholders a dividend reinvestment plan, which includes safekeeping services. There are no service charges under the plan.

Presenter - James M. Gasior, CPA, President and Chief Executive Officer

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James M. Gasior is the President, Chief Executive Officer and Director of the Company and subsidiary Bank.  He is also a Director for CSB Mortgage Co., Inc.. He previously served as Senior Vice President, Chief Financial Officer and Secretary of Cortland Bancorp and the Bank since November 2005.

Mr. Gasior joined the Company on March 30, 1990. His previous positions at the Company include General Audit Officer, Chief Operations Officer, Senior Vice President and Senior Lending Officer.

Mr. Gasior is a Certified Public Accountant and member of the American Institute of CPAs and the Ohio Society of CPAs. He is also a member of the Regional Chamber of Commerce, Ohio Bankers League, Financial Managers Association, the RMA Northeast Ohio chapter, THE Youngstown State University Williamson School of Business, Lariccia  Accounting and Finance Advisory Board and the YSU Outreach Advisory Committee.

Mr. Gasior earned his BSBA in 1982 from Youngstown State University. Prior to joining the Company and the Bank, Mr. Gasior was employed as an Audit Manager with Ernst and Young, CPA’s, where he managed audit engagements for both credit unions and banks, government entities, not-for-profits and manufacturing industries in the company's Allentown, Pa., and Youngstown offices.



James M. Gasior, CPA, President and Chief Executive Officer

David J. Lucido, Senior Vice President and Chief Financial Officer

Investor Relations:
Deborah L. Eazor, 330.637.8040,

Cortland, Ohio


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Investor relations for Cortland Bancorp, Inc. can be reached here