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

Statement of Condition

    31-Mar-21  
       
Assets:   2021
       
Cash and due from banks $33,864,671
Investment CD (maturing less than one year) 3,999,000
       
Federal funds sold 1,269,864
 Total cash and cash equivalents 39,133,535
       
       
Investment securities 47,877,826
       
Loans, net of allowance  83,409,672
       
Premises and equipment, net 838,087
Accrued income and other assets 5,175,902
       
    Total assets $176,435,022
       
LIABILITIES:  
       
Deposits:  
       
  Demand $47,615,604
  Savings and thrift 57,508,954
  Time deposits > 100,000 11,702,945
  Other time deposits 12,276,803
       
Non-interest bearing demand deposits 28,866,305
    Total deposits 157,970,611
       
Short term borrowings 0
Other Liabilities 1,400,832
    Total liabilities 159,371,443
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 17,226,946
       
Accumulated other comprehensive income (473,498)
    Total shareholders' equity 17,063,579
    Total liabilities and shareholders' equity $176,435,022

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