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

Statement of Condition

    30-Sep-22  
       
Assets:   2022
       
Cash and due from banks $22,573,057
Investment CD (maturing less than one year) 5,497,000
       
Federal funds sold 380,733
 Total cash and cash equivalents 28,450,790
       
       
Investment securities 71,205,436
       
Loans, net of allowance  79,670,068
       
Premises and equipment, net 916,895
Accrued income and other assets 8,897,348
       
    Total assets $189,140,537
       
LIABILITIES:  
       
Deposits:  
       
  Demand $48,113,111
  Savings and thrift 66,173,218
  Time deposits > 100,000 12,015,735
  Other time deposits 11,773,453
       
Non-interest bearing demand deposits 39,433,218
    Total deposits 177,508,735
       
Short term borrowings 0
Other Liabilities 676,323
    Total liabilities 178,185,058
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 18,022,356
       
Accumulated other comprehensive income (7,377,008)
    Total shareholders' equity 10,955,479
    Total liabilities and shareholders' equity $189,140,537

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