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

Statement of Condition

    30-Jun-21  
       
Assets:   2021
       
Cash and due from banks $29,204,961
Investment CD (maturing less than one year) 3,249,000
       
Federal funds sold 1,289,707
 Total cash and cash equivalents 33,743,668
       
       
Investment securities 55,004,937
       
Loans, net of allowance  80,705,721
       
Premises and equipment, net 819,566
Accrued income and other assets 5,839,097
       
    Total assets $176,112,989
       
LIABILITIES:  
       
Deposits:  
       
  Demand $43,615,213
  Savings and thrift 59,845,947
  Time deposits > 100,000 12,110,258
  Other time deposits 11,922,261
       
Non-interest bearing demand deposits 30,140,193
    Total deposits 157,633,872
       
Short term borrowings 0
Other Liabilities 1,204,291
    Total liabilities 158,838,163
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 17,318,162
       
Accumulated other comprehensive income (353,467)
    Total shareholders' equity 17,274,826
    Total liabilities and shareholders' equity $176,112,989

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