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

Statement of Condition

 

    As of 31-Mar-17  
       
Assets:   2017
       
Cash and due from banks $9,981,742
Investment CD (maturing less than one year) 6,483,000
       
Federal funds sold 839,077
 Total cash and cash equivalents 17,303,819
       
       
Investment securities 40,281,893
       
Loans, net of allowance of  84,180,357
       
Premises and equipment, net 816,785
Accrued income and other assets 5,203,363
       
    Total assets $147,786,217
       
LIABILITIES:  
       
Deposits:  
       
  Demand $35,329,937
  Savings and thrift 45,288,002
  Time deposits > 100,000 15,443,496
  Other time deposits 16,581,073
       
Non-interest bearing demand deposits 18,476,294
    Total deposits 131,118,802
       
Short term borrowings 0
Other Liabilities 435,710
    Total liabilities 131,554,512
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 16,313,400
       
Accumulated other comprehensive income (405,806)
    Total shareholders' equity 16,231,705
    Total liabilities and shareholders' equity $147,786,217

 

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