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

Statement of Condition

As of June 30, 2015

ASSETS

Cash and Due from Banks

$6,613,682

Investment CDs (maturing < 1 year)

3,248,000

Federal Funds Sold

1,201,635

Total Cash & Due Equivalents

11,063,317

Investment Securities

36,358,312

Loans, Net of Allowance of

83,156,489

Premises and Equipment

1,005,855

Accrued Income & Other Assets

3,553,677

Total Assets

$135,137,650

   

LIABILITIES

Deposits

Demand

$28,012,002

Savings and Thrift

43,888,061

Time Deposits >$100,000

10,253,745

Other Time Deposits

19,312,316

Non-interest Bearing Deposits

16,455,659

Total Deposits

$117,921,783

Short-term Borrowings

1,000,000

Other Liabilities

763,288

Total Liabilities

$119,685,071

   

SHAREHOLDER'S EQUITY

Common Stock

$180,600

Paid-in Capital

143,511

Retained Earnings

15,497,950

Accumulated Other Comprehensive Income

(369,482)

Total Shareholder's Equity

$15,452,579

Total Liabilities and Shareholder's Equity

$135,137,650

 

(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