Online Banking Login

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

Statement of Condition

    30-Jun-23  
       
Assets:   2023
       
Cash and due from banks $10,318,627
Investment CD (maturing less than one year) 5,998,000
       
Federal funds sold 798,209
 Total cash and cash equivalents 17,114,836
       
       
Investment securities 74,493,313
       
Loans, net of allowance  79,081,199
       
Premises and equipment, net 875,688
Accrued income and other assets 8,214,611
       
    Total assets $179,779,647
       
LIABILITIES:  
       
Deposits:  
       
  Demand $43,880,062
  Savings and thrift 62,127,287
  Time deposits > 100,000 12,203,845
  Other time deposits 10,064,032
       
Non-interest bearing demand deposits 34,529,863
    Total deposits 162,805,089
       
Short term borrowings 3,500,000
Other Liabilities (274,898)
    Total liabilities 166,030,191
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,510
Retained earnings 19,725,544
       
Accumulated other comprehensive income (6,286,218)
    Total shareholders' equity 13,749,456
    Total liabilities and shareholders' equity $179,779,647

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