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

Statement of Condition

As of March 31, 2016

 

Assets:   2016
       
Cash and due from banks $9,430,943
Investment CD (maturing less than one year) 3,998,000
       
Federal funds sold 1,549,929
 Total cash and cash equivalents 14,978,872
       
       
Investment securities 36,259,767
       
Loans, net of allowance of  85,660,129
       
Premises and equipment, net 928,732
Accrued income and other assets 4,697,398
       
    Total assets $142,524,898
       
LIABILITIES:  
       
Deposits:  
       
  Demand $33,139,059
  Savings and thrift 45,656,199
  Time deposits > 100,000 9,205,449
  Other time deposits 18,307,359
       
Non-interest bearing demand deposits 19,498,954
    Total deposits 125,807,020
       
Short term borrowings 0
Other Liabilities 474,605
    Total liabilities 126,281,625
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 15,852,838
       
Accumulated other comprehensive income 66,324
    Total shareholders' equity 16,243,273
    Total liabilities and shareholders' equity $142,524,898

 

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