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

Statement of Condition

As of June 30, 2016

Assets:   2016
       
Cash and due from banks $6,460,245
Investment CD (maturing less than one year) 3,997,000
       
Federal funds sold 292,721
 Total cash and cash equivalents 10,749,966
       
       
Investment securities 36,429,262
       
Loans, net of allowance of  84,829,510
       
Premises and equipment, net 892,114
Accrued income and other assets 4,519,739
       
    Total assets $137,420,591
       
LIABILITIES:  
       
Deposits:  
       
  Demand $28,314,930
  Savings and thrift 44,840,608
  Time deposits > 100,000 9,219,042
  Other time deposits 17,697,717
       
Non-interest bearing demand deposits 18,744,667
    Total deposits 118,816,964
       
Short term borrowings 1,500,000
Other Liabilities 510,787
    Total liabilities 120,827,751
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 15,984,155
       
Accumulated other comprehensive income 284,574
    Total shareholders' equity 16,592,840
    Total liabilities and shareholders' equity $137,420,591

 

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