First Federal Savings and Loan Association of Rochester in city_name, state_name

First Federal Savings and Loan Association of Rochester in Rochester, New York (NY)
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First Federal Savings and Loan Association of Rochester - Overview

General
FDIC Certificate #: 28678
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: HSBC Bank USA (#589)
Federal Reserve ID: 499079
Date Established: January 01, 1896
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2125
FDIC's unique #: 41512
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: Febuary 04, 1935
Last Structure Change Effective Date: March 01, 1997
Last Structure Change Process Date: March 20, 1997
Last Data Update: March 20, 1997
Data Source Date: April 05, 2012
Location
Address: One First Federal Plaza, Rochester, NY 14614
County: Monroe
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Syracuse
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Rochester, NY (#6840)
Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
Core Based Statistical Area (CBSA): Rochester, NY (#40380)
CBSA Metro Statistical Area: Rochester, NY (#40380)
Financial Summary
Total assets: $7,188.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$1,294Total assets
$7,188,401Cash and due from depository institutions
$110,828Interest-bearing balances
$6,179Securities
$848,852Federal funds sold & reverse repurchase agreements
$83,025Net loans & leases
$5,831,054Loan loss allowance
$40,740Trading account assets
$0Bank premises and fixed assets
$52,844Other real estate owned
$10,259Goodwill and other intangibles
$185,824Life insurance assets
$65,715All other assets
$0Total liabilities and capital
$7,188,401Total liabilities
$6,754,482Total deposits
$4,516,069Interest-bearing deposits
$4,478,818Deposits held in domestic offices
4516069.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$361,559Trading liabilities
$0Other borrowed funds
$1,784,299Subordinated debt
$0All other liabilities
$92,555Total equity capital
$92,555Total bank equity capital
$433,919Perpetual preferred stock
$0Common stock
$231Surplus
$253,599Undivided profits
Memoranda
$180,089Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$41,745Income earned, not collected on loans
$37,344Earning assets
$6,769,110Long-term assets (5+ years)
$0Average Assets, year-to-date
$7,241,243Average Assets, quarterly
$7,181,857Volatile liabilities
$2,218,254Insider loans
$362FHLB advances
$1,777,134Loans and leases held for sale
$0Unused loan commitments
$459,670Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$422,164Total risk weighted assets
$3,546,262Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$492,851Total interest expense
$315,480Net interest income
$177,371Provision for loan and lease losses
$12,616Total noninterest income
$38,822Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$38,822Total noninterest expense
$142,342Salaries and employee benefits
$58,841Premises and equipment expense
$24,809Additional noninterest expense
$58,692Pre-tax net operating income
$61,235Securities gains (losses)
$3,417Applicable income taxes
-$16,868Income before extraordinary items
$81,520Extraordinary gains - net
$0Net income attributable to bank
$81,520Net charge-offs
$10,943Cash dividends
$38,999Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.21%Cost of funding earning assets
4.61%Net interest margin
2.59%Noninterest income to earning assets
0.57%Noninterest expense to earning assets
2.08%Net operating income to assets
1.08%Return on assets (ROA)
1.13%Pretax return on assets
0.89%Return on equity (ROE)
19.23%Retained earnings to average equity (YTD only)
10.03%Net charge-offs to loans
0.19%Credit loss provision to net charge-offs
115.29%Efficiency ratio
64,551Assets per employee
5.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.84%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
60.57%Noncurrent assets plus other real estate owned to assets
0.71%Noncurrent loans to loans
0.71%Net loans and leases to deposits
129.12%Net loans and leases to core deposits
131.22%Equity capital to assets
6.04%Core capital (leverage) ratio
5.88%Tier 1 risk-based capital ratio
11.90%Total risk-based capital ratio
Memoranda
$13Average assets
$7,241,243Average earning assets
$423,993Average equity
$6,838,384Average loans

Barbara

⚠

I opened up 2 ROTH IRAs with First Federal Savings bank back in 1992 and HSBC surprisingly has not record of my IRA. I have contacted the FDIC and the stat Comptroller.Does anyone have any idea how I can track down an account from First Federal. Records and accounts have to be accounted for. Has this happened to anyone else?

First Federal Savings and Loan Association of Rochester in Rochester, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Rochester - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Rochester in Rochester, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Rochester - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Rochester in Rochester, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches