Home > The Rochester Community Savings Bank > Assets and Liabilities
The Rochester Community Savings Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 1,645 | 156 |
| Assets and Liabilities | ||
| Total Assets: | $4,087,731,000 | 202 |
| Cash and due from depository institutions | $92,536,000 | 156 |
| Interest-bearing balances | $7,695,000 | 495 |
| Securities | $1,715,002,000 | 103 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $2,048,351,000 | 236 |
| Loan loss allowance | $28,840,000 | 263 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $36,221,000 | 242 |
| Other real estate owned | $4,941,000 | 156 |
| Goodwill and other intangibles | $124,685,000 | 70 |
| All other assets | $65,995,000 | 259 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $4,087,731,000 | 202 |
| Total liabilities | $3,771,033,000 | 201 |
| Total deposits | $2,524,612,000 | 212 |
| Interest-bearing deposits | $2,394,023,000 | 190 |
| Deposits held in domestic offices | $2,524,612,000 | 209 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $936,093,000 | 100 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $262,346,000 | 221 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $47,982,000 | 245 |
| Total equity capital | $316,698,000 | 214 |
| Total bank equity capital | $316,698,000 | 214 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,000,000 | 3,340 |
| Surplus | $257,117,000 | 122 |
| Undivided profits | $58,581,000 | 465 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,516,000 | 246 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,597,000 | 45 |
| Income earned, not collected on loans | $11,647,000 | 264 |
| Earning assets | $3,771,048,000 | 196 |
| Long-term assets (5+ years) | $506,536,000 | 205 |
| Average Assets, year-to-date | $4,010,116,600 | 199 |
| Average Assets, quarterly | $4,049,163,000 | 202 |
| Volatile liabilities | $1,382,492,000 | 161 |
| Insider loans | $230,000 | 7,456 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $172,809,000 | 47 |
| Unused loan commitments | $302,208,000 | 354 |
| Tier 1 (core) risk-based capital | $309,923,000 | 203 |
| Tier 2 risk-based capital | $28,840,000 | 249 |
| Total risk weighted assets | $2,727,215,600 | 201 |
| Total unused commitments | $302,208,000 | 357 |
| Derivatives | $947,690,000 | 110 |
| 1995-12-31 | Rank | |
| # of Employees: | 1,480 | 179 |
| Assets and Liabilities | ||
| Total Assets: | $3,795,294,000 | 221 |
| Cash and due from depository institutions | $66,495,000 | 179 |
| Interest-bearing balances | $8,872,000 | 518 |
| Securities | $1,552,671,000 | 121 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $1,967,558,000 | 254 |
| Loan loss allowance | $26,382,000 | 291 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $26,430,000 | 325 |
| Other real estate owned | $4,044,000 | 179 |
| Goodwill and other intangibles | $116,761,000 | 60 |
| All other assets | $61,335,000 | 284 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,795,294,000 | 221 |
| Total liabilities | $3,427,146,000 | 220 |
| Total deposits | $2,401,554,000 | 236 |
| Interest-bearing deposits | $2,273,405,000 | 206 |
| Deposits held in domestic offices | $2,401,554,000 | 232 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $321,647,000 | 213 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $626,150,000 | 120 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $77,795,000 | 186 |
| Total equity capital | $368,148,000 | 194 |
| Total bank equity capital | $368,148,000 | 194 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,000,000 | 3,492 |
| Surplus | $257,117,000 | 116 |
| Undivided profits | $110,031,000 | 268 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $22,558,000 | 246 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $3,924,000 | 45 |
| Income earned, not collected on loans | $10,489,000 | 300 |
| Earning assets | $3,529,101,000 | 215 |
| Long-term assets (5+ years) | $448,500,000 | 231 |
| Average Assets, year-to-date | $3,664,345,200 | 218 |
| Average Assets, quarterly | $3,817,442,500 | 216 |
| Volatile liabilities | $601,596,000 | 279 |
| Insider loans | $474,000 | 5,813 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $129,907,000 | 61 |
| Unused loan commitments | $270,108,000 | 392 |
| Tier 1 (core) risk-based capital | $362,665,000 | 181 |
| Tier 2 risk-based capital | $26,382,000 | 268 |
| Total risk weighted assets | $2,513,867,400 | 210 |
| Total unused commitments | $270,108,000 | 394 |
| Derivatives | $327,880,000 | 191 |
| 1994-12-31 | Rank | |
| # of Employees: | 1,458 | 191 |
| Assets and Liabilities | ||
| Total Assets: | $3,419,462,000 | 228 |
| Cash and due from depository institutions | $81,260,000 | 191 |
| Interest-bearing balances | $5,356,000 | 674 |
| Securities | $1,314,777,000 | 154 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $1,865,734,000 | 252 |
| Loan loss allowance | $26,468,000 | 288 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $20,462,000 | 389 |
| Other real estate owned | $4,474,000 | 191 |
| Goodwill and other intangibles | $87,116,000 | 58 |
| All other assets | $45,639,000 | 345 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,419,462,000 | 228 |
| Total liabilities | $3,084,490,000 | 234 |
| Total deposits | $2,198,744,000 | 248 |
| Interest-bearing deposits | $2,130,031,000 | 217 |
| Deposits held in domestic offices | $2,198,744,000 | 243 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $54,950,000 | 536 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $788,872,000 | 95 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $41,924,000 | 255 |
| Total equity capital | $334,972,000 | 194 |
| Total bank equity capital | $334,972,000 | 194 |
| Perpetual preferred stock | $71,440,000 | 15 |
| Common stock | $13,966,000 | 305 |
| Surplus | $171,723,000 | 158 |
| Undivided profits | $77,843,000 | 316 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $23,044,000 | 243 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,358,000 | 44 |
| Income earned, not collected on loans | $10,595,000 | 270 |
| Earning assets | $3,185,867,000 | 223 |
| Long-term assets (5+ years) | $505,480,000 | 201 |
| Average Assets, year-to-date | $3,384,045,400 | 226 |
| Average Assets, quarterly | $3,455,800,500 | 224 |
| Volatile liabilities | $693,629,000 | 250 |
| Insider loans | $584,000 | 5,209 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $108,399,000 | 40 |
| Unused loan commitments | $274,616,000 | 372 |
| Tier 1 (core) risk-based capital | $330,979,000 | 189 |
| Tier 2 risk-based capital | $26,468,000 | 243 |
| Total risk weighted assets | $2,220,757,000 | 223 |
| Total unused commitments | $274,616,000 | 374 |
| Derivatives | $110,200,000 | 280 |
| 1993-12-31 | Rank | |
| # of Employees: | 1,640 | 159 |
| Assets and Liabilities | ||
| Total Assets: | $3,386,167,000 | 222 |
| Cash and due from depository institutions | $89,521,000 | 159 |
| Interest-bearing balances | $18,466,000 | 342 |
| Securities | $889,110,000 | 217 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $2,191,280,000 | 201 |
| Loan loss allowance | $25,396,000 | 318 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $19,700,000 | 402 |
| Other real estate owned | $25,976,000 | 159 |
| Goodwill and other intangibles | $65,425,000 | 67 |
| All other assets | $105,155,000 | 190 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,386,167,000 | 222 |
| Total liabilities | $3,099,628,000 | 225 |
| Total deposits | $2,186,496,000 | 247 |
| Interest-bearing deposits | $2,019,946,000 | 228 |
| Deposits held in domestic offices | $2,186,496,000 | 244 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $276,632,000 | 187 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $591,166,000 | 112 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $45,334,000 | 240 |
| Total equity capital | $286,539,000 | 204 |
| Total bank equity capital | $286,539,000 | 204 |
| Perpetual preferred stock | $71,440,000 | 16 |
| Common stock | $13,862,000 | 307 |
| Surplus | $170,709,000 | 140 |
| Undivided profits | $30,528,000 | 740 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $29,386,000 | 270 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,240,000 | 47 |
| Income earned, not collected on loans | $9,045,000 | 267 |
| Earning assets | $3,098,856,000 | 222 |
| Long-term assets (5+ years) | $334,382,000 | 252 |
| Average Assets, year-to-date | $3,167,715,200 | 226 |
| Average Assets, quarterly | $3,256,663,000 | 227 |
| Volatile liabilities | $943,734,000 | 187 |
| Insider loans | $788,000 | 4,411 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $453,783,000 | 30 |
| Unused loan commitments | $400,466,000 | 298 |
| Tier 1 (core) risk-based capital | $279,025,000 | 196 |
| Tier 2 risk-based capital | $25,396,000 | 241 |
| Total risk weighted assets | $2,131,218,700 | 215 |
| Total unused commitments | $400,466,000 | 303 |
| Derivatives | $655,600,000 | 139 |
| 1992-12-31 | Rank | |
| # of Employees: | 1,562 | 169 |
| Assets and Liabilities | ||
| Total Assets: | $3,077,056,000 | 231 |
| Cash and due from depository institutions | $74,553,000 | 169 |
| Interest-bearing balances | $13,962,000 | 564 |
| Securities | $595,202,000 | 285 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $1,981,436,000 | 207 |
| Loan loss allowance | $32,951,000 | 269 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $21,057,000 | 388 |
| Other real estate owned | $178,990,000 | 169 |
| Goodwill and other intangibles | $64,330,000 | 67 |
| All other assets | $161,488,000 | 138 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,077,056,000 | 231 |
| Total liabilities | $2,807,506,000 | 235 |
| Total deposits | $2,216,007,000 | 254 |
| Interest-bearing deposits | $2,127,473,000 | 212 |
| Deposits held in domestic offices | $2,216,007,000 | 250 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $30,000,000 | 552 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $533,519,000 | 100 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $27,980,000 | 327 |
| Total equity capital | $269,550,000 | 192 |
| Total bank equity capital | $269,550,000 | 192 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $13,816,000 | 298 |
| Surplus | $170,325,000 | 141 |
| Undivided profits | $85,409,000 | 257 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $62,068,000 | 180 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $7,724,000 | 335 |
| Earning assets | $2,590,600,000 | 241 |
| Long-term assets (5+ years) | $513,297,000 | 177 |
| Average Assets, year-to-date | $3,194,706,000 | 220 |
| Average Assets, quarterly | $3,158,075,000 | 222 |
| Volatile liabilities | $643,457,000 | 219 |
| Insider loans | $458,000 | 2,013 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $320,125,000 | 31 |
| Unused loan commitments | $320,357,000 | 307 |
| Tier 1 (core) risk-based capital | $261,044,000 | 184 |
| Tier 2 risk-based capital | $27,261,400 | 232 |
| Total risk weighted assets | $2,175,222,700 | 209 |
| Total unused commitments | $320,357,000 | 311 |
| Derivatives | $425,600,000 | 135 |