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

Statement of Condition

    As of 30-Sep-17  
       
Assets:   2017
       
Cash and due from banks $9,208,049
Investment CD (maturing less than one year) 5,984,000
       
Federal funds sold 392,530
 Total cash and cash equivalents 15,584,579
       
       
Investment securities 40,197,438
       
Loans, net of allowance of  81,848,093
       
Premises and equipment, net 852,857
Accrued income and other assets 5,127,121
       
    Total assets $143,610,088
       
LIABILITIES:  
       
Deposits:  
       
  Demand $29,491,515
  Savings and thrift 44,459,278
  Time deposits > 100,000 13,475,268
  Other time deposits 15,941,616
       
Non-interest bearing demand deposits 22,369,390
    Total deposits 125,737,067
       
Short term borrowings 750,000
Other Liabilities 499,960
    Total liabilities 126,987,027
       
       
Shareholders' Equity:  
       
Common stock 180,600
Paid in capital 143,511
Retained earnings 16,543,146
       
Accumulated other comprehensive income (244,196)
    Total shareholders' equity 16,623,061
    Total liabilities and shareholders' equity $143,610,088

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