First National Bank of Rochester in Rochester, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1999

  • First National Bank of Rochester in Rochester, New York (NY)
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First National Bank of Rochester - Overview

  • General
  • FDIC Certificate #: 19514
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Manufacturers and Traders Trust Company (#588)
    Federal Reserve ID: 803519
    Date Established: November 08, 1965
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 18 (Interstate: No)
    OTS Docket #: 12874
    FDIC's unique #: 13314
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: November 08, 1965
    Last Structure Change Effective Date: June 01, 1999
    Last Structure Change Process Date: June 30, 1999
    Last Data Update: June 30, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 35 State Street, 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: $588.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1998)

  • Dollar figures in thousands
  • 251Total employees (full-time equivalent)
  • $587,622Total assets
  • $21,163Cash and due from depository institutions
  • $132Interest-bearing balances
  • $156,714Securities
  • $1,500Federal funds sold & reverse repurchase agreements
  • $389,408Net loans & leases
  • $5,258Loan loss allowance
  • $0Trading account assets
  • $11,673Bank premises and fixed assets
  • $85Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,079All other assets
  • $587,622Total liabilities and capital
  • $551,707Total liabilities
  • $503,654Total deposits
  • $417,596Interest-bearing deposits
  • $503,654Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $23,566Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $20,484Other borrowed funds
  • $0Subordinated debt
  • $4,003All other liabilities
  • $35,915Total equity capital
  • $35,915Total bank equity capital
  • $35,915Perpetual preferred stock
  • $0Common stock
  • $2,624Surplus
  • $8,770Undivided profits
  • Memoranda
  • $24,521Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,395Earning assets
  • $811Long-term assets (5+ years)
  • $2,489Average Assets, year-to-date
  • $547,754Average Assets, quarterly
  • $226,275Volatile liabilities
  • $558,216Insider loans
  • $577,757FHLB advances
  • $111,486Loans and leases held for sale
  • $2,231Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,240Total risk weighted assets
  • $97,592Total unused commitments
  • $0Restructured Loans and leases
  • $379,222Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $41,307Total interest income
  • $18,704Total interest expense
  • $22,603Net interest income
  • $150Provision for loan and lease losses
  • $4,272Total noninterest income
  • $378Fiduciary activities
  • $2,110Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,784Additional noninterest income
  • $19,860Total noninterest expense
  • $10,854Salaries and employee benefits
  • $3,955Premises and equipment expense
  • $5,051Additional noninterest expense
  • $6,865Pre-tax net operating income
  • $24Securities gains (losses)
  • $1,765Applicable income taxes
  • $5,124Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,124Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $472Sale, conversion, retirement of capital stock, net
  • $2,352Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.93%Yield on earning assets
  • 3.59%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 14.74%Return on equity (ROE)
  • 7.97%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 31.78%Credit loss provision to net charge-offs
  • 14.86%Efficiency ratio
  • 73,898Assets per employee
  • 2.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.90%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 119.64%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 77.32%Net loans and leases to core deposits
  • 93.61%Equity capital to assets
  • 6.11%Core capital (leverage) ratio
  • 6.04%Tier 1 risk-based capital ratio
  • 9.33%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $558,216Average earning assets
  • $34,763Average equity
  • $520,962Average loans

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