Home > The First National Bank of Northern New York > Net Loans and Leases
The First National Bank of Northern New York, Net Loans and Leases
| 2000-12-31 | Rank | |
| Net loans and leases | $71,817,000 | 4,006 |
| Loan loss allowance | $516,000 | 5,607 |
| Total loans and leases | $72,333,000 | 4,022 |
| Unearned income | $3,236,000 | 122 |
| Loans and leases, gross | $75,569,000 | 3,907 |
| All real estate loans | $42,366,000 | 4,282 |
| Real estate loans in domestic offices | $42,366,000 | 4,282 |
| Construction and development loans | $0 | 8,220 |
| Commercial RE | $7,648,000 | 4,775 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 6,500 |
| 1-4 family residential loans | $34,718,000 | 3,004 |
| Farmland loans | $0 | 6,694 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $87,000 | 5,649 |
| Commercial and industrial loans | $10,025,000 | 3,633 |
| To non-U.S. addressees | $0 | 195 |
| Loans to individuals | $22,502,000 | 1,259 |
| Credit card loans | $389,000 | 2,363 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $22,113,000 | 1,160 |
| All other loans & leases | $589,000 | 3,209 |
| Loans to foreign governments and official institutions | $0 | 74 |
| Obligations of states and political subdivisions in U.S. | $577,000 | 1,695 |
| Other loans | $12,000 | 5,972 |
| Lease financing receivables | $0 | 1,742 |
| Loans to depository institutions and acceptances of other banks | $0 | 461 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,190 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 1,965 |
| Non 1-4 family restructured loans & leases | $0 | 1,965 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1999-12-31 | Rank | |
| Net loans and leases | $63,617,000 | 4,300 |
| Loan loss allowance | $524,000 | 5,520 |
| Total loans and leases | $64,141,000 | 4,312 |
| Unearned income | $2,302,000 | 179 |
| Loans and leases, gross | $66,443,000 | 4,201 |
| All real estate loans | $37,064,000 | 4,566 |
| Real estate loans in domestic offices | $37,064,000 | 4,566 |
| Construction and development loans | $0 | 8,472 |
| Commercial RE | $4,594,000 | 5,741 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 6,653 |
| 1-4 family residential loans | $32,470,000 | 3,053 |
| Farmland loans | $0 | 6,930 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $186,000 | 5,578 |
| Commercial and industrial loans | $10,711,000 | 3,369 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $18,464,000 | 1,562 |
| Credit card loans | $351,000 | 2,578 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $18,113,000 | 1,471 |
| All other loans & leases | $18,000 | 7,271 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $0 | 4,220 |
| Other loans | $18,000 | 5,739 |
| Lease financing receivables | $0 | 1,829 |
| Loans to depository institutions and acceptances of other banks | $0 | 508 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,276 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 2,147 |
| Non 1-4 family restructured loans & leases | $0 | 2,147 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1998-12-31 | Rank | |
| Net loans and leases | $57,607,000 | 4,445 |
| Loan loss allowance | $504,000 | 5,587 |
| Total loans and leases | $58,111,000 | 4,460 |
| Unearned income | $2,083,000 | 214 |
| Loans and leases, gross | $60,194,000 | 4,342 |
| All real estate loans | $34,001,000 | 4,639 |
| Real estate loans in domestic offices | $34,001,000 | 4,638 |
| Construction and development loans | $0 | 8,593 |
| Commercial RE | $3,459,000 | 6,145 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 6,760 |
| 1-4 family residential loans | $30,542,000 | 3,144 |
| Farmland loans | $0 | 7,140 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $219,000 | 5,673 |
| Commercial and industrial loans | $10,006,000 | 3,336 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $15,954,000 | 1,789 |
| Credit card loans | $316,000 | 2,835 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $15,638,000 | 1,661 |
| All other loans & leases | $14,000 | 7,578 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $0 | 4,346 |
| Other loans | $14,000 | 6,124 |
| Lease financing receivables | $0 | 1,835 |
| Loans to depository institutions and acceptances of other banks | $0 | 600 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,365 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 2,430 |
| Non 1-4 family restructured loans & leases | $0 | 2,430 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1997-12-31 | Rank | |
| Net loans and leases | $56,198,000 | 4,539 |
| Loan loss allowance | $518,000 | 5,564 |
| Total loans and leases | $56,716,000 | 4,554 |
| Unearned income | $2,176,000 | 241 |
| Loans and leases, gross | $58,892,000 | 4,437 |
| All real estate loans | $33,075,000 | 4,825 |
| Real estate loans in domestic offices | $33,075,000 | 4,824 |
| Construction and development loans | $0 | 8,938 |
| Commercial RE | $3,209,000 | 6,441 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 7,171 |
| 1-4 family residential loans | $29,851,000 | 3,280 |
| Farmland loans | $15,000 | 7,398 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $143,000 | 6,164 |
| Commercial and industrial loans | $9,479,000 | 3,442 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $16,180,000 | 1,880 |
| Credit card loans | $319,000 | 3,034 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $15,861,000 | 1,749 |
| All other loans & leases | $15,000 | 7,916 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $0 | 4,661 |
| Other loans | $15,000 | 6,395 |
| Lease financing receivables | $0 | 1,949 |
| Loans to depository institutions and acceptances of other banks | $0 | 610 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,447 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 2,775 |
| Non 1-4 family restructured loans & leases | $0 | 2,775 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1996-12-31 | Rank | |
| Net loans and leases | $55,193,000 | 4,673 |
| Loan loss allowance | $519,000 | 5,750 |
| Total loans and leases | $55,712,000 | 4,692 |
| Unearned income | $2,406,000 | 715 |
| Loans and leases, gross | $55,712,000 | 4,697 |
| All real estate loans | $32,965,000 | 4,880 |
| Real estate loans in domestic offices | $32,965,000 | 4,880 |
| Construction and development loans | $0 | 9,347 |
| Commercial RE | $2,925,000 | 6,828 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 7,518 |
| 1-4 family residential loans | $30,036,000 | 3,379 |
| Farmland loans | $4,000 | 7,820 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $132,000 | 6,512 |
| Commercial and industrial loans | $7,369,000 | 4,090 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $17,647,000 | 1,861 |
| Credit card loans | $293,000 | 3,350 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $17,354,000 | 1,736 |
| All other loans & leases | $5,000 | 8,908 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $0 | 4,967 |
| Other loans | $5,000 | 7,767 |
| Lease financing receivables | $0 | 2,012 |
| Loans to depository institutions and acceptances of other banks | $0 | 767 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,559 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 3,117 |
| Non 1-4 family restructured loans & leases | $0 | 3,117 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1995-12-31 | Rank | |
| Net loans and leases | $49,510,000 | 5,014 |
| Loan loss allowance | $506,000 | 5,995 |
| Total loans and leases | $50,016,000 | 5,021 |
| Unearned income | $2,232,000 | 843 |
| Loans and leases, gross | $50,016,000 | 5,036 |
| All real estate loans | $29,165,000 | 5,258 |
| Real estate loans in domestic offices | $29,165,000 | 5,258 |
| Construction and development loans | $0 | 9,747 |
| Commercial RE | $3,627,000 | 6,384 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 7,869 |
| 1-4 family residential loans | $25,533,000 | 3,765 |
| Farmland loans | $5,000 | 8,141 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $176,000 | 6,572 |
| Commercial and industrial loans | $5,142,000 | 5,062 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $17,739,000 | 1,885 |
| Credit card loans | $297,000 | 3,376 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $17,442,000 | 1,758 |
| All other loans & leases | $26,000 | 8,137 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $5,000 | 5,115 |
| Other loans | $21,000 | 6,266 |
| Lease financing receivables | $0 | 2,051 |
| Loans to depository institutions and acceptances of other banks | $0 | 840 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,722 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 3,427 |
| Non 1-4 family restructured loans & leases | $0 | 3,427 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1994-12-31 | Rank | |
| Net loans and leases | $51,151,000 | 4,828 |
| Loan loss allowance | $545,000 | 5,834 |
| Total loans and leases | $51,696,000 | 4,850 |
| Unearned income | $2,519,000 | 831 |
| Loans and leases, gross | $51,696,000 | 4,868 |
| All real estate loans | $27,496,000 | 5,432 |
| Real estate loans in domestic offices | $27,496,000 | 5,431 |
| Construction and development loans | $0 | 10,097 |
| Commercial RE | $3,181,000 | 6,855 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 8,214 |
| 1-4 family residential loans | $24,309,000 | 3,926 |
| Farmland loans | $6,000 | 8,575 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $350,000 | 6,329 |
| Commercial and industrial loans | $7,388,000 | 3,860 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $18,965,000 | 1,784 |
| Credit card loans | $267,000 | 3,513 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $18,698,000 | 1,665 |
| All other loans & leases | $16,000 | 8,889 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $9,000 | 5,316 |
| Other loans | $7,000 | 8,043 |
| Lease financing receivables | $0 | 2,082 |
| Loans to depository institutions and acceptances of other banks | $0 | 936 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,805 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 3,961 |
| Non 1-4 family restructured loans & leases | $0 | 3,961 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1993-12-31 | Rank | |
| Net loans and leases | $46,016,000 | 5,151 |
| Loan loss allowance | $539,000 | 6,046 |
| Total loans and leases | $46,555,000 | 5,174 |
| Unearned income | $2,302,000 | 958 |
| Loans and leases, gross | $46,555,000 | 5,185 |
| All real estate loans | $23,485,000 | 5,986 |
| Real estate loans in domestic offices | $23,485,000 | 5,985 |
| Construction and development loans | $0 | 10,482 |
| Commercial RE | $1,695,000 | 8,626 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 8,553 |
| 1-4 family residential loans | $21,781,000 | 4,262 |
| Farmland loans | $9,000 | 8,820 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $560,000 | 5,976 |
| Commercial and industrial loans | $7,573,000 | 3,741 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $17,216,000 | 1,825 |
| Credit card loans | $69,000 | 5,452 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $17,147,000 | 1,665 |
| All other loans & leases | $23,000 | 8,934 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $12,000 | 5,624 |
| Other loans | $11,000 | 7,772 |
| Lease financing receivables | $0 | 2,068 |
| Loans to depository institutions and acceptances of other banks | $0 | 1,089 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,850 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 4,599 |
| Non 1-4 family restructured loans & leases | $0 | 4,599 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1992-12-31 | Rank | |
| Net loans and leases | $38,934,000 | 5,854 |
| Loan loss allowance | $429,000 | 7,175 |
| Total loans and leases | $39,363,000 | 5,900 |
| Unearned income | $2,190,000 | 1,151 |
| Loans and leases, gross | $39,363,000 | 5,913 |
| All real estate loans | $20,767,000 | 6,462 |
| Real estate loans in domestic offices | $20,767,000 | 6,460 |
| Construction and development loans | $0 | 10,798 |
| Commercial RE | $2,737,000 | 7,506 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $0 | 8,720 |
| 1-4 family residential loans | $18,011,000 | 4,906 |
| Farmland loans | $19,000 | 8,900 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $671,000 | 5,846 |
| Commercial and industrial loans | $4,377,000 | 5,543 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $15,672,000 | 2,037 |
| Credit card loans | $64,000 | 5,586 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $15,608,000 | 1,857 |
| All other loans & leases | $66,000 | 8,003 |
| Loans to foreign governments and official institutions | NA | NA |
| Obligations of states and political subdivisions in U.S. | $15,000 | 5,737 |
| Other loans | $51,000 | 5,299 |
| Lease financing receivables | $0 | 2,104 |
| Loans to depository institutions and acceptances of other banks | $0 | 1,358 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,915 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $0 | 5,113 |
| Non 1-4 family restructured loans & leases | $0 | 5,113 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |