| Cash and Due from Banks |
$3,872,154 |
| Investments Held To Maturity |
3,419,858 |
| Investments Available For Sale |
7,993,880 |
| Shares of Federal Home Loan Bank |
204,300 |
| Subtotal Investments |
11,618,038 |
| Residential First Mortgages (1-4 Family) |
11,594,604 |
| Residential Second Mortgages (1-4 Family) |
3,300,107 |
| Commercial Real Estate Mortgages |
2,481,825 |
| Other Secured Loans |
1,664,182 |
| Other Unsecured Loans |
234,316 |
| Reserve for Loan Losses |
(383,496) |
| Net Loans |
18,891,538 |
| Accrued Interest Received |
95,503 |
| Other Assets |
855,186 |
| Bank Premises |
867,720 |
| Total Assets |
$36,200,139 |
| |
| Savings & Check Deposits |
$19,578,830 |
| Time Deposits |
10,507,993 |
| Mortgagor's Escrow Payments |
512,215 |
| Borrowed Funds |
500,000 |
| Other Liabilities |
1,471,717 |
| Net Worth Accounts |
3,629,384 |
| Total Liabilities and Net Worth |
$36,200,139 |
| |
|
| |
| Interest on Mortgages and Other Loans |
$1,281,754 |
| Interest on Securities and Investments |
414,113 |
| Total Interest Income |
1,695,867 |
| Interest Expense on Deposits |
323,414 |
| Interest Expense on Federal Home Loan Bank Borrowings |
42,728 |
| Total Interest Expense |
366,142 |
| Net Interest Income |
1,329,725 |
| Provision for Loan Losses |
139,288 |
| Net Interest Income After Provision |
1,190,437 |
| Other Non Interest Income |
1,448,585 |
| Total Income |
2,639,022 |
| Non Interest Expenses |
|
| Officers' Salaries |
310,516 |
| Employees Salaries |
338,273 |
| Employees Benefits |
326,683 |
| Directors Fees |
29,906 |
| Occupancy Expense |
220,862 |
| Other Operating Expenses |
739,210 |
| Total Non Interest Expense |
1,965,450 |
| Income before Provision Income Taxes |
673,572 |
| Provision for Income Taxes |
(245,333) |
| Net Income |
428,239 |
|
| Net Worth as of 9/30/09 |
$3,922,181 |
| Net Income |
428,239 |
| Retained Earnings as of 9/30/09 |
4,350,420 |
| Equity Pension Adjustment |
(742,114) |
| Unrealized Gain or (Loss) net of tax |
21,078 |
| Equity as of 9/30/10 |
$3,629,384 |
*More information concerning the renumeration
of the two highest paid officers and the directors' fees may
be obtained upon written request from State of New York Banking
Department, Two Rector Street, New York, New York 10006. A
fee of $.25 is required for each institution for which information
is requested.
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