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

Statement of Condition

As of December 31, 2014

ASSETS

Cash and Due from Banks

$3,581,518

Investment CDs (maturing < 1 year)

3,249,000

Federal Funds Sold

247,498

Total Cash & Due Equivalents

7,078,016

Investment Securities

34,416,469

Loans, Net of Allowance of

84,362,051

Premises and Equipment

1,073,392

Accrued Income & Other Assets

3,321,421

Total Assets

$130,251,349

   

LIABILITIES

Deposits

Demand

$26,952,892

Savings and Thrift

38,274,076

Time Deposits >$100,000

10,224,785

Other Time Deposits

20,460,738

Non-interest Bearing Deposits

16,512,475

Total Deposits

$112,424,966

Short-term Borrowings

1,500,000

Other Liabilities

741,250

Total Liabilities

$114,666,216

   

SHAREHOLDER'S EQUITY

Common Stock

$180,600

Paid-in Capital

143,511

Retained Earnings

15,404,725

Accumulated Other Comprehensive Income

(143,703)

Total Shareholder's Equity

$15,585,133

Total Liabilities and Shareholder's Equity

$130,251,349

 

(Unaudited)

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