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

Statement of Condition

    30-Sep-18  
       
Assets:   2018
       
Cash and due from banks $10,805,902
Investment CD (maturing less than one year) 4,967,000
       
Federal funds sold 710,980
 Total cash and cash equivalents 16,483,882
       
       
Investment securities 37,560,573
       
Loans, net of allowance  81,349,451
       
Premises and equipment, net 1,017,884
Accrued income and other assets 5,368,495
       
    Total assets $141,780,285
       
LIABILITIES:  
       
Deposits:  
       
  Demand $30,276,806
  Savings and thrift 44,394,996
  Time deposits > 100,000 12,805,270
  Other time deposits 14,121,759
       
Non-interest bearing demand deposits 24,553,148
    Total deposits 126,151,979
       
Short term borrowings 0
Other Liabilities 624,586
    Total liabilities 126,776,565
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 439,160
Retained earnings 15,745,916
       
Accumulated other comprehensive income (1,347,976)
    Total shareholders' equity 15,003,720
    Total liabilities and shareholders' equity $141,780,285

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