Home > First National Bank of Rochester > Assets and Liabilities
First National Bank of Rochester, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 251 | 681 |
| Assets and Liabilities | ||
| Total Assets: | $587,622,000 | 812 |
| Cash and due from depository institutions | $21,163,000 | 681 |
| Interest-bearing balances | $132,000 | 4,607 |
| Securities | $156,714,000 | 763 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 6,353 |
| Net loans & leases | $389,408,000 | 762 |
| Loan loss allowance | $5,258,000 | 767 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $11,673,000 | 623 |
| Other real estate owned | $85,000 | 681 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $7,079,000 | 1,160 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $587,622,000 | 812 |
| Total liabilities | $551,707,000 | 787 |
| Total deposits | $503,654,000 | 723 |
| Interest-bearing deposits | $417,596,000 | 755 |
| Deposits held in domestic offices | $503,654,000 | 717 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $23,566,000 | 686 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $20,484,000 | 1,038 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $4,003,000 | 1,149 |
| Total equity capital | $35,915,000 | 1,255 |
| Total bank equity capital | $35,915,000 | 1,255 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,624,000 | 1,419 |
| Surplus | $8,770,000 | 1,784 |
| Undivided profits | $24,521,000 | 1,052 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,395,000 | 630 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $811,000 | 189 |
| Income earned, not collected on loans | $2,489,000 | 823 |
| Earning assets | $547,754,000 | 802 |
| Long-term assets (5+ years) | $226,275,000 | 430 |
| Average Assets, year-to-date | $558,216,400 | 805 |
| Average Assets, quarterly | $577,757,000 | 812 |
| Volatile liabilities | $111,486,000 | 768 |
| Insider loans | $2,231,000 | 1,921 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $5,240,000 | 514 |
| Unused loan commitments | $97,592,000 | 722 |
| Tier 1 (core) risk-based capital | $35,385,000 | 1,193 |
| Tier 2 risk-based capital | $4,746,660 | 768 |
| Total risk weighted assets | $379,221,760 | 790 |
| Total unused commitments | $97,592,000 | 727 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 223 | 807 |
| Assets and Liabilities | ||
| Total Assets: | $522,353,000 | 922 |
| Cash and due from depository institutions | $19,102,000 | 807 |
| Interest-bearing balances | $134,000 | 4,289 |
| Securities | $150,752,000 | 793 |
| Federal funds sold & reverse repurchase agreements | $12,200,000 | 1,099 |
| Net loans & leases | $325,941,000 | 922 |
| Loan loss allowance | $5,580,000 | 756 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $8,812,000 | 840 |
| Other real estate owned | $38,000 | 807 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $5,508,000 | 1,396 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $522,353,000 | 922 |
| Total liabilities | $488,942,000 | 886 |
| Total deposits | $470,818,000 | 788 |
| Interest-bearing deposits | $399,983,000 | 813 |
| Deposits held in domestic offices | $470,818,000 | 781 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,436,000 | 910 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,010,000 | 3,438 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $3,678,000 | 1,257 |
| Total equity capital | $33,411,000 | 1,341 |
| Total bank equity capital | $33,411,000 | 1,341 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,624,000 | 1,405 |
| Surplus | $8,770,000 | 1,748 |
| Undivided profits | $22,017,000 | 1,178 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,640,000 | 1,057 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $113,000 | 887 |
| Income earned, not collected on loans | $2,138,000 | 1,017 |
| Earning assets | $489,027,000 | 896 |
| Long-term assets (5+ years) | $152,384,000 | 522 |
| Average Assets, year-to-date | $484,816,800 | 947 |
| Average Assets, quarterly | $514,928,000 | 914 |
| Volatile liabilities | $106,839,000 | 805 |
| Insider loans | $1,713,000 | 2,339 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $3,030,000 | 480 |
| Unused loan commitments | $97,503,000 | 671 |
| Tier 1 (core) risk-based capital | $32,515,000 | 1,301 |
| Tier 2 risk-based capital | $4,041,900 | 852 |
| Total risk weighted assets | $321,813,900 | 934 |
| Total unused commitments | $97,503,000 | 674 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 219 | 854 |
| Assets and Liabilities | ||
| Total Assets: | $437,833,000 | 1,120 |
| Cash and due from depository institutions | $21,181,000 | 854 |
| Interest-bearing balances | $121,000 | 4,399 |
| Securities | $103,367,000 | 1,151 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 5,560 |
| Net loans & leases | $297,899,000 | 1,030 |
| Loan loss allowance | $5,696,000 | 790 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $9,152,000 | 836 |
| Other real estate owned | $45,000 | 854 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $4,689,000 | 1,683 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $437,833,000 | 1,120 |
| Total liabilities | $409,096,000 | 1,084 |
| Total deposits | $405,416,000 | 963 |
| Interest-bearing deposits | $349,301,000 | 972 |
| Deposits held in domestic offices | $405,416,000 | 956 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $996,000 | 3,415 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,684,000 | 1,590 |
| Total equity capital | $28,737,000 | 1,575 |
| Total bank equity capital | $28,737,000 | 1,575 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,624,000 | 1,467 |
| Surplus | $8,705,000 | 1,824 |
| Undivided profits | $17,408,000 | 1,491 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,065,000 | 1,483 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $227,000 | 567 |
| Income earned, not collected on loans | $2,000,000 | 1,090 |
| Earning assets | $402,887,000 | 1,104 |
| Long-term assets (5+ years) | $103,409,000 | 703 |
| Average Assets, year-to-date | $414,216,800 | 1,131 |
| Average Assets, quarterly | $434,452,500 | 1,115 |
| Volatile liabilities | $63,222,000 | 1,181 |
| Insider loans | $1,806,000 | 2,324 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $330,000 | 1,089 |
| Unused loan commitments | $80,087,000 | 776 |
| Tier 1 (core) risk-based capital | $28,469,000 | 1,508 |
| Tier 2 risk-based capital | $3,665,430 | 949 |
| Total risk weighted assets | $291,203,830 | 1,036 |
| Total unused commitments | $80,087,000 | 782 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 213 | 902 |
| Assets and Liabilities | ||
| Total Assets: | $391,252,000 | 1,238 |
| Cash and due from depository institutions | $19,723,000 | 902 |
| Interest-bearing balances | $61,000 | 5,641 |
| Securities | $106,606,000 | 1,179 |
| Federal funds sold & reverse repurchase agreements | $5,200,000 | 2,765 |
| Net loans & leases | $248,163,000 | 1,187 |
| Loan loss allowance | $5,776,000 | 820 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $7,255,000 | 1,047 |
| Other real estate owned | $0 | 902 |
| Goodwill and other intangibles | $79,000 | 2,459 |
| All other assets | $4,226,000 | 1,863 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $391,252,000 | 1,238 |
| Total liabilities | $365,929,000 | 1,204 |
| Total deposits | $358,369,000 | 1,107 |
| Interest-bearing deposits | $312,305,000 | 1,089 |
| Deposits held in domestic offices | $358,369,000 | 1,097 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,538,000 | 1,587 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $448,000 | 3,533 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,574,000 | 1,728 |
| Total equity capital | $25,323,000 | 1,776 |
| Total bank equity capital | $25,323,000 | 1,776 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,624,000 | 1,497 |
| Surplus | $8,705,000 | 1,800 |
| Undivided profits | $13,994,000 | 1,855 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,710,000 | 1,725 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $154,000 | 718 |
| Income earned, not collected on loans | $1,950,000 | 1,160 |
| Earning assets | $360,030,000 | 1,231 |
| Long-term assets (5+ years) | $69,813,000 | 915 |
| Average Assets, year-to-date | $365,399,200 | 1,266 |
| Average Assets, quarterly | $384,744,500 | 1,241 |
| Volatile liabilities | $66,545,000 | 1,068 |
| Insider loans | $2,468,000 | 1,768 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $880,000 | 858 |
| Unused loan commitments | $74,667,000 | 823 |
| Tier 1 (core) risk-based capital | $24,393,000 | 1,755 |
| Tier 2 risk-based capital | $3,195,040 | 1,076 |
| Total risk weighted assets | $253,021,940 | 1,169 |
| Total unused commitments | $74,667,000 | 828 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 207 | 954 |
| Assets and Liabilities | ||
| Total Assets: | $329,023,000 | 1,408 |
| Cash and due from depository institutions | $18,358,000 | 954 |
| Interest-bearing balances | $77,000 | 5,910 |
| Securities | $102,281,000 | 1,263 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 3,726 |
| Net loans & leases | $194,970,000 | 1,457 |
| Loan loss allowance | $6,242,000 | 782 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $4,918,000 | 1,507 |
| Other real estate owned | $1,050,000 | 954 |
| Goodwill and other intangibles | $317,000 | 1,696 |
| All other assets | $5,129,000 | 1,653 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $329,023,000 | 1,408 |
| Total liabilities | $308,248,000 | 1,374 |
| Total deposits | $295,931,000 | 1,278 |
| Interest-bearing deposits | $258,033,000 | 1,270 |
| Deposits held in domestic offices | $295,931,000 | 1,270 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,075,000 | 1,336 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $800,000 | 3,356 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,442,000 | 1,542 |
| Total equity capital | $20,775,000 | 1,995 |
| Total bank equity capital | $20,775,000 | 1,995 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,624,000 | 1,520 |
| Surplus | $8,705,000 | 1,727 |
| Undivided profits | $9,446,000 | 2,471 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,326,000 | 1,382 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $67,000 | 975 |
| Income earned, not collected on loans | $1,476,000 | 1,317 |
| Earning assets | $299,328,000 | 1,417 |
| Long-term assets (5+ years) | $45,965,000 | 1,262 |
| Average Assets, year-to-date | $309,323,000 | 1,457 |
| Average Assets, quarterly | $324,089,000 | 1,417 |
| Volatile liabilities | $32,231,000 | 1,735 |
| Insider loans | $4,382,000 | 949 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $56,300,000 | 908 |
| Tier 1 (core) risk-based capital | $21,239,000 | 1,956 |
| Tier 2 risk-based capital | $2,765,430 | 1,193 |
| Total risk weighted assets | $217,757,930 | 1,295 |
| Total unused commitments | $56,300,000 | 917 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 196 | 1,051 |
| Assets and Liabilities | ||
| Total Assets: | $290,926,000 | 1,603 |
| Cash and due from depository institutions | $15,013,000 | 1,051 |
| Interest-bearing balances | $1,075,000 | 3,301 |
| Securities | $109,427,000 | 1,255 |
| Federal funds sold & reverse repurchase agreements | $13,000,000 | 1,012 |
| Net loans & leases | $143,630,000 | 1,900 |
| Loan loss allowance | $6,603,000 | 804 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,911,000 | 1,857 |
| Other real estate owned | $2,239,000 | 1,051 |
| Goodwill and other intangibles | $555,000 | 1,298 |
| All other assets | $3,151,000 | 2,324 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $290,926,000 | 1,603 |
| Total liabilities | $271,885,000 | 1,577 |
| Total deposits | $270,016,000 | 1,470 |
| Interest-bearing deposits | $236,579,000 | 1,467 |
| Deposits held in domestic offices | $270,016,000 | 1,459 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,869,000 | 1,906 |
| Total equity capital | $19,041,000 | 2,137 |
| Total bank equity capital | $19,041,000 | 2,137 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,623,000 | 1,531 |
| Surplus | $7,305,000 | 1,956 |
| Undivided profits | $9,113,000 | 2,602 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,299,000 | 737 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $204,000 | 594 |
| Income earned, not collected on loans | $1,118,000 | 1,544 |
| Earning assets | $267,132,000 | 1,607 |
| Long-term assets (5+ years) | $53,064,000 | 1,149 |
| Average Assets, year-to-date | $286,735,200 | 1,594 |
| Average Assets, quarterly | $289,486,000 | 1,599 |
| Volatile liabilities | $8,985,000 | 4,447 |
| Insider loans | $3,620,000 | 1,147 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $3,127,000 | 646 |
| Unused loan commitments | $41,454,000 | 1,128 |
| Tier 1 (core) risk-based capital | $17,757,000 | 2,201 |
| Tier 2 risk-based capital | $2,017,180 | 1,565 |
| Total risk weighted assets | $156,788,280 | 1,754 |
| Total unused commitments | $41,454,000 | 1,151 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 178 | 1,197 |
| Assets and Liabilities | ||
| Total Assets: | $278,444,000 | 1,724 |
| Cash and due from depository institutions | $16,284,000 | 1,197 |
| Interest-bearing balances | $1,000,000 | 3,780 |
| Securities | $82,059,000 | 1,637 |
| Federal funds sold & reverse repurchase agreements | $22,850,000 | 755 |
| Net loans & leases | $146,838,000 | 1,902 |
| Loan loss allowance | $6,377,000 | 828 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,481,000 | 2,116 |
| Other real estate owned | $2,437,000 | 1,197 |
| Goodwill and other intangibles | $939,000 | 1,033 |
| All other assets | $3,556,000 | 2,180 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $278,444,000 | 1,724 |
| Total liabilities | $261,180,000 | 1,700 |
| Total deposits | $258,958,000 | 1,613 |
| Interest-bearing deposits | $226,534,000 | 1,602 |
| Deposits held in domestic offices | $258,958,000 | 1,601 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,148,000 | 2,389 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,074,000 | 3,101 |
| Total equity capital | $17,264,000 | 2,230 |
| Total bank equity capital | $17,264,000 | 2,230 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,624,000 | 1,567 |
| Surplus | $7,270,000 | 1,895 |
| Undivided profits | $7,370,000 | 2,985 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,493,000 | 623 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $990,000 | 1,991 |
| Earning assets | $252,747,000 | 1,744 |
| Long-term assets (5+ years) | $56,998,000 | 1,043 |
| Average Assets, year-to-date | $285,557,000 | 1,641 |
| Average Assets, quarterly | $277,762,500 | 1,721 |
| Volatile liabilities | $8,482,000 | 4,640 |
| Insider loans | $2,118,000 | 300 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $7,048,000 | 276 |
| Unused loan commitments | $24,217,000 | 1,597 |
| Tier 1 (core) risk-based capital | $16,325,000 | 2,287 |
| Tier 2 risk-based capital | $2,080,520 | 1,537 |
| Total risk weighted assets | $162,145,120 | 1,754 |
| Total unused commitments | $24,217,000 | 1,612 |
| Derivatives | $0 | 651 |