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

Statement of Condition

As of September 30th, 2016

       
       
Assets:   2016
       
Cash and due from banks $16,760,456
Investment CD (maturing less than one year) 4,994,000
       
Federal funds sold 1,084,317
 Total cash and cash equivalents 22,838,773
       
       
Investment securities 35,773,280
       
Loans, net of allowance of  84,847,333
       
Premises and equipment, net 860,782
Accrued income and other assets 4,712,042
       
    Total assets $149,032,210
       
LIABILITIES:  
       
Deposits:  
       
  Demand $34,217,708
  Savings and thrift 47,802,270
  Time deposits > 100,000 11,507,225
  Other time deposits 17,179,044
       
Non-interest bearing demand deposits 21,203,019
    Total deposits 131,909,266
       
Short term borrowings 0
Other Liabilities 554,437
    Total liabilities 132,463,703
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 16,087,791
       
Accumulated other comprehensive income 156,605
    Total shareholders' equity 16,568,507
    Total liabilities and shareholders' equity $149,032,210

 

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