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  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Statement of Condition

    30-Jun-18  
       
Assets:   2018
       
Cash and due from banks $7,958,547
Investment CD (maturing less than one year) 4,725,000
       
Federal funds sold 474,328
 Total cash and cash equivalents 13,157,875
       
       
Investment securities 38,902,722
       
Loans, net of allowance  82,782,658
       
Premises and equipment, net 1,014,310
Accrued income and other assets 5,286,707
       
    Total assets $141,144,272
       
LIABILITIES:  
       
Deposits:  
       
  Demand $30,747,103
  Savings and thrift 46,388,186
  Time deposits > 100,000 12,647,220
  Other time deposits 14,494,457
       
Non-interest bearing demand deposits 20,241,796
    Total deposits 124,518,762
       
Short term borrowings 0
Other Liabilities 577,866
    Total liabilities 125,096,628
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 16,853,137
       
Accumulated other comprehensive income (1,129,604)
    Total shareholders' equity 16,047,644
    Total liabilities and shareholders' equity $141,144,272

Locations:

Richmondville

Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661

Cobleskill

Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397

Schoharie

Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884