Online Banking Login

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

Statement of Condition

    31-Mar-19  
       
Assets:   2019
       
Cash and due from banks $14,537,901
Investment CD (maturing less than one year) 5,722,000
       
Federal funds sold 1,127,286
 Total cash and cash equivalents 21,387,187
       
       
Investment securities 40,692,471
       
Loans, net of allowance  80,298,201
       
Premises and equipment, net 1,014,206
Accrued income and other assets 5,251,130
       
    Total assets $148,643,195
       
LIABILITIES:  
       
Deposits:  
       
  Demand $36,364,763
  Savings and thrift 47,284,803
  Time deposits > 100,000 12,715,276
  Other time deposits 13,851,697
       
Non-interest bearing demand deposits 21,662,377
    Total deposits 131,878,916
       
Short term borrowings 0
Other Liabilities 822,905
    Total liabilities 132,701,821
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 439,160
Retained earnings 15,959,381
       
Accumulated other comprehensive income (623,787)
    Total shareholders' equity 15,941,374
    Total liabilities and shareholders' equity $148,643,195

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