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

Statement of Condition

As of December 31, 2013

ASSETS

Cash and Due from Banks

$3,698,184

Investment CDs (maturing < 1 year)

3,749,000

Federal Funds Sold

293,109

Total Cash & Due Equivalents

7,740,293

Investment Securities

35,698,467

Loans, Net of Allowance of

81,969,792

Premises and Equipment

988,237

Accrued Income & Other Assets

3,767,088

Total Assets

$130,163,877

   

LIABILITIES

Deposits

Demand

$28,357,508

Savings and Thrift

35,929,219

Time Deposits >$100,000

12,098,980

Other Time Deposits

21,933,492

Non-interest Bearing Deposits

14,860,349

Total Deposits

$113,179,548

Short-term Borrowings

1,500,000

Other Liabilities

700,201

Total Liabilities

$115,379,749

   

SHAREHOLDER'S EQUITY

Common Stock

$180,600

Paid-in Capital

143,511

Retained Earnings

15,100,285

Accumulated Other Comprehensive Income

(640,268)

Total Shareholder's Equity

$14,784,128

Total Liabilities and Shareholder's Equity

$130,163,877

 

(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