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

Statement of Condition

As of March 31, 2015

ASSETS

Cash and Due from Banks

$8,527,215

Investment CDs (maturing < 1 year)

3,248,000

Federal Funds Sold

420,925

Total Cash & Due Equivalents

12,196,140

Investment Securities

34,974,135

Loans, Net of Allowance of

83,112,103

Premises and Equipment

1,040,021

Accrued Income & Other Assets

3,387,919

Total Assets

$134,710,318

   

LIABILITIES

Deposits

Demand

$30,037,031

Savings and Thrift

41,840,012

Time Deposits >$100,000

10,138,282

Other Time Deposits

19,900,947

Non-interest Bearing Deposits

16,405,825

Total Deposits

$118,322,097

Short-term Borrowings

0

Other Liabilities

668,778

Total Liabilities

$118,990,875

   

SHAREHOLDER'S EQUITY

Common Stock

$180,600

Paid-in Capital

143,511

Retained Earnings

15,439,199

Accumulated Other Comprehensive Income

(43,867)

Total Shareholder's Equity

$15,719,443

Total Liabilities and Shareholder's Equity

$134,710,318

 

(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