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

Statement of Condition

As of September 30, 2015

ASSETS

Cash and Due from Banks

$8,336,268

Investment CDs (maturing < 1 year)

3,749,000

Federal Funds Sold

497,999

Total Cash & Due Equivalents

12,583,267

Investment Securities

38,242,014

Loans, Net of Allowance of

81,835,905

Premises and Equipment

981,687

Accrued Income & Other Assets

4,532,107

Total Assets

$138,174,980

   

LIABILITIES

Deposits

Demand

$27,663,665

Savings and Thrift

42,870,682

Time Deposits >$100,000

9,657,025

Other Time Deposits

18,877,107

Non-interest Bearing Deposits

22,099,427

Total Deposits

$121,167,906

Short-term Borrowings

500,000

Other Liabilities

777,571

Total Liabilities

$122,445,477

   

SHAREHOLDER'S EQUITY

Common Stock

$180,600

Paid-in Capital

143,511

Retained Earnings

15,596,994

Accumulated Other Comprehensive Income

(191,602)

Total Shareholder's Equity

$15,729,503

Total Liabilities and Shareholder's Equity

$138,174,980

 

(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