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

Statement of Condition

    As of 30-Jun-17  
       
Assets:   2017
       
Cash and due from banks $5,830,963
Investment CD (maturing less than one year) 6,234,000
       
Federal funds sold 518,257
 Total cash and cash equivalents 12,583,220
       
       
Investment securities 40,845,861
       
Loans, net of allowance of  84,002,605
       
Premises and equipment, net 807,977
Accrued income and other assets 4,907,257
       
    Total assets $143,146,920
       
LIABILITIES:  
       
Deposits:  
       
  Demand $27,886,298
  Savings and thrift 46,200,379
  Time deposits > 100,000 13,407,772
  Other time deposits 15,644,872
       
Non-interest bearing demand deposits 18,939,219
    Total deposits 122,078,540
       
Short term borrowings 4,000,000
Other Liabilities 463,608
    Total liabilities 126,542,148
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 16,433,377
       
Accumulated other comprehensive income (152,716)
    Total shareholders' equity 16,604,772
    Total liabilities and shareholders' equity $143,146,920

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