Online Banking Login

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

Statement of Condition

    31-Mar-24  
       
Assets:   2024
       
Cash and due from banks $9,317,354
Investment CD (maturing less than one year) 4,497,000
       
Federal funds sold 196,487
 Total cash and cash equivalents 14,010,841
       
       
Investment securities 75,068,698
       
Loans, net of allowance  83,526,058
       
Premises and equipment, net 996,267
Accrued income and other assets 7,926,678
       
    Total assets $181,528,542
       
LIABILITIES:  
       
Deposits:  
       
  Demand $47,797,902
  Savings and thrift 57,485,172
  Time deposits > 100,000 15,601,327
  Other time deposits 11,652,484
       
Non-interest bearing demand deposits 33,899,509
    Total deposits 166,436,394
       
Short term borrowings 0
Other Liabilities (125,438)
    Total liabilities 166,310,956
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 20,579,635
       
Accumulated other comprehensive income (5,672,180)
    Total shareholders' equity 15,217,586
    Total liabilities and shareholders' equity $181,528,542

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