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

Statement of Condition

    30-Sep-23  
       
Assets:   2023
       
Cash and due from banks $12,275,934
Investment CD (maturing less than one year) 5,997,000
       
Federal funds sold 801,664
 Total cash and cash equivalents 19,074,598
       
       
Investment securities 76,156,452
       
Loans, net of allowance  77,679,574
       
Premises and equipment, net 890,960
Accrued income and other assets 8,030,900
       
    Total assets $181,832,484
       
LIABILITIES:  
       
Deposits:  
       
  Demand $46,946,374
  Savings and thrift 64,349,024
  Time deposits > 100,000 11,544,222
  Other time deposits 10,233,221
       
Non-interest bearing demand deposits 34,776,490
    Total deposits 167,849,331
       
Short term borrowings 0
Other Liabilities (286,345)
    Total liabilities 167,562,986
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 19,455,366
       
Accumulated other comprehensive income (5,495,999)
    Total shareholders' equity 14,269,498
    Total liabilities and shareholders' equity $181,832,484

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