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

Statement of Condition

    30-Sep-21  
       
Assets:   2021
       
Cash and due from banks $36,107,961
Investment CD (maturing less than one year) 3,249,000
       
Federal funds sold 1,300,478
 Total cash and cash equivalents 40,657,439
       
       
Investment securities 54,924,392
       
Loans, net of allowance  79,622,751
       
Premises and equipment, net 824,863
Accrued income and other assets 6,004,688
       
    Total assets $182,034,133
       
LIABILITIES:  
       
Deposits:  
       
  Demand $43,561,239
  Savings and thrift 60,033,521
  Time deposits > 100,000 12,390,960
  Other time deposits 12,088,444
       
Non-interest bearing demand deposits 35,395,134
    Total deposits 163,469,298
       
Short term borrowings 0
Other Liabilities 1,249,298
    Total liabilities 164,718,596
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 17,438,462
       
Accumulated other comprehensive income (433,056)
    Total shareholders' equity 17,315,537
    Total liabilities and shareholders' equity $182,034,133

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