Online Banking Login

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

Statement of Condition

    31-Dec-22  
       
Assets:   2022
       
Cash and due from banks $7,857,234
Investment CD (maturing less than one year) 6,496,000
       
Federal funds sold 1,230,398
 Total cash and cash equivalents 15,583,632
       
       
Investment securities 75,449,251
       
Loans, net of allowance  78,257,267
       
Premises and equipment, net 912,327
Accrued income and other assets 8,685,784
       
    Total assets $178,888,261
       
LIABILITIES:  
       
Deposits:  
       
  Demand $46,776,169
  Savings and thrift 63,535,175
  Time deposits > 100,000 10,919,737
  Other time deposits 11,262,969
       
Non-interest bearing demand deposits 33,836,553
    Total deposits 166,330,603
       
Short term borrowings 0
Other Liabilities (373,142)
    Total liabilities 165,957,461
       
       
Shareholders' Equity:  
       
Common stock 166,620
Paid in capital 143,511
Retained earnings 19,190,642
       
Accumulated other comprehensive income (6,569,973)
    Total shareholders' equity 12,930,800
    Total liabilities and shareholders' equity $178,888,261

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