Online Banking Login

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

Statement of Condition

    31-Dec-18  
       
Assets:   2018
       
Cash and due from banks $7,773,456
Investment CD (maturing less than one year) 5,218,000
       
Federal funds sold 1,299,583
 Total cash and cash equivalents 14,291,039
       
       
Investment securities 38,221,754
       
Loans, net of allowance  82,117,527
       
Premises and equipment, net 1,037,809
Accrued income and other assets 5,200,860
       
    Total assets $140,868,989
       
LIABILITIES:  
       
Deposits:  
       
  Demand $33,872,267
  Savings and thrift 44,583,459
  Time deposits > 100,000 12,817,668
  Other time deposits 13,938,705
       
Non-interest bearing demand deposits 19,331,749
    Total deposits 124,543,848
       
Short term borrowings 0
Other Liabilities 792,251
    Total liabilities 125,336,099
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 439,160
Retained earnings 15,809,542
       
Accumulated other comprehensive income (882,432)
    Total shareholders' equity 15,532,890
    Total liabilities and shareholders' equity $140,868,989

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