December 31, 2010
(unaudited)

Assets

Cash And Due From Banks
$ 74,160,721
Investment Securities Available for Sale, at fair value
60,594,235
Investment Securities Held To Maturity, at amortized cost
191,184,354
Federal Home Loan Bank Of New York Stock, at cost
3,030,900
Loans, net
302,903,787
Premises and Equipment, net
11,170,288
Other Assets
35,676,609
TOTAL ASSETS
$678,720,894

Liabilities & Equity

Noninterest-bearing Deposits
$ 69,310,795
Interest-bearing Deposits
469,172,948
Borrowed Funds
48,063,000
Escrow & Other Liabilities
13,570,986
Total Liabilities
$600,117,729
Total Equity
$78,603,165
TOTAL LIABILITIES AND EQUITY
$678,720,894

*Updated annually each May.

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