3111 Union Road, Orchard Park (New York) 14127, 3111 Union Road
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##Szablon_SPECDESC##
3111 Union Road, Orchard Park (New York) 14127, 3111 Union Road
Name (Branch)): 3111 Union Road
Address(Branch): 3111 Union Road
Zip Code (Branch): 14127
City (Reported)(Branch): Orchard Park
County Name (Branch): Erie
State Name (Branch): New York
Address(Branch): 3111 Union Road
Zip Code (Branch): 14127
City (Reported)(Branch): Orchard Park
County Name (Branch): Erie
State Name (Branch): New York
Institution Name: LAKE SHORE SAVINGS&LOAN ASSN
Address (Institution): 128 East 4th St
Zip Code (Institution): 14048
Institution Headquarters, City: Dunkirk
County Name(Institution): Chautauqua
State Name (Institution Headquarters): New York
Address (Institution): 128 East 4th St
Zip Code (Institution): 14048
Institution Headquarters, City: Dunkirk
County Name(Institution): Chautauqua
State Name (Institution Headquarters): New York
Total Assets: 254,111,000 USD (Two Hundred and Fifty-Four Million One Hundred and Eleven Thousand $)
Total Domestic Deposits: 212,606,000 USD (Two Hundred and Twelve Million Six Hundred and Six Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 11,931,000 USD (Eleven Million Nine Hundred and Thirty-One Thousand $)
Industry Specialization Description: MORTGAGE LENDING
Total Domestic Deposits: 212,606,000 USD (Two Hundred and Twelve Million Six Hundred and Six Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 11,931,000 USD (Eleven Million Nine Hundred and Thirty-One Thousand $)
Industry Specialization Description: MORTGAGE LENDING
11182 Maple Ridge Road (Medina Savings and Loan Association)
11182 Maple Ridge Road
14103 Medina
New York (Orleans)
28,987,000 USD (Twenty-Eight Million Nine Hundred and Eigthy-Seven Thousand $)
11182 Maple Ridge Road
14103 Medina
New York (Orleans)
28,987,000 USD (Twenty-Eight Million Nine Hundred and Eigthy-Seven Thousand $)
825 State St, Po Box 329 (Ogdensburg Federal Savings and Loan Association)
825 State St, Po Box 329
13669 Ogdensburg
New York (St. Lawrence)
24,654,000 USD (Twenty-Four Million Six Hundred and Fifty-Four Thousand $)
825 State St, Po Box 329
13669 Ogdensburg
New York (St. Lawrence)
24,654,000 USD (Twenty-Four Million Six Hundred and Fifty-Four Thousand $)
689 - 5th Avenue (Atlas Savings and Loan Association)
689 - 5th Avenue
11215 Brooklyn
New York (Kings)
50,591,000 USD (Fifty Million Five Hundred and Ninety-One Thousand $)
689 - 5th Avenue
11215 Brooklyn
New York (Kings)
50,591,000 USD (Fifty Million Five Hundred and Ninety-One Thousand $)
15 Route 12 (Gouverneur Savings and Loan Association)
15 Route 12
13607 Alexandria Bay
New York (St. Lawrence)
4,619,000 USD (Four Million Six Hundred and Nineteen Thousand $)
15 Route 12
13607 Alexandria Bay
New York (St. Lawrence)
4,619,000 USD (Four Million Six Hundred and Nineteen Thousand $)
42 Church St. (Gouverneur Savings and Loan Association)
42 Church St.
13642 Gouverneur
New York (St. Lawrence)
53,698,000 USD (Fifty-Three Million Six Hundred and Ninety-Eight Thousand $)
42 Church St.
13642 Gouverneur
New York (St. Lawrence)
53,698,000 USD (Fifty-Three Million Six Hundred and Ninety-Eight Thousand $)
169th Smith Street (Ponce De Leon Federal Bank)
169th Smith Street
11201 Brooklyn
New York (Kings)
32,875,000 USD (Thirty-Two Million Eight Hundred and Seventy-Five Thousand $)
169th Smith Street
11201 Brooklyn
New York (Kings)
32,875,000 USD (Thirty-Two Million Eight Hundred and Seventy-Five Thousand $)
1925 Thrid Ave (Ponce De Leon Federal Bank)
1925 Thrid Ave
10029 New York City
New York (New York)
61,146,000 USD (Sixty-One Million One Hundred and Fourty-Six Thousand $)
1925 Thrid Ave
10029 New York City
New York (New York)
61,146,000 USD (Sixty-One Million One Hundred and Fourty-Six Thousand $)
2244 Westchester Ave (Ponce De Leon Federal Bank)
2244 Westchester Ave
10462 Bronx
New York (Bronx)
49,578,000 USD (Fourty-Nine Million Five Hundred and Seventy-Eight Thousand $)
2244 Westchester Ave
10462 Bronx
New York (Bronx)
49,578,000 USD (Fourty-Nine Million Five Hundred and Seventy-Eight Thousand $)
30th East 170th Street (Ponce De Leon Federal Bank)
30th East 170th Street
10452 Bronx
New York (Bronx)
27,550,000 USD (Twenty-Seven Million Five Hundred and Fifty Thousand $)
30th East 170th Street
10452 Bronx
New York (Bronx)
27,550,000 USD (Twenty-Seven Million Five Hundred and Fifty Thousand $)
34-05 Broadway (Ponce De Leon Federal Bank)
34-05 Broadway
11106 Astoria
New York (Queens)
41,821,000 USD (Fourty-One Million Eight Hundred and Twenty-One Thousand $)
34-05 Broadway
11106 Astoria
New York (Queens)
41,821,000 USD (Fourty-One Million Eight Hundred and Twenty-One Thousand $)
30 E. Main St (Lake Shore Savings and Loan Association)
30 E. Main St
14063 Fredonia
New York (Chautauqua)
53,525,000 USD (Fifty-Three Million Five Hundred and Twenty-Five Thousand $)
30 E. Main St
14063 Fredonia
New York (Chautauqua)
53,525,000 USD (Fifty-Three Million Five Hundred and Twenty-Five Thousand $)
128 East 4th St (Lake Shore Savings and Loan Association)
128 East 4th St
14048 Dunkirk
New York (Chautauqua)
101,170,000 USD (One Hundred and One Million One Hundred and Seventy Thousand $)
128 East 4th St
14048 Dunkirk
New York (Chautauqua)
101,170,000 USD (One Hundred and One Million One Hundred and Seventy Thousand $)
115 E. 4th Street (Lake Shore Savings and Loan Association)
115 E. 4th Street
14701 Jamestown
New York (Chautauqua)
10,179,000 USD (Ten Million One Hundred and Seventy-Nine Thousand $)
115 E. 4th Street
14701 Jamestown
New York (Chautauqua)
10,179,000 USD (Ten Million One Hundred and Seventy-Nine Thousand $)
106 E. Main Street (Lake Shore Savings and Loan Association)
106 E. Main Street
14787 Westfield
New York (Chautauqua)
9,958,000 USD (Nine Million Nine Hundred and Fifty-Eight Thousand $)
106 E. Main Street
14787 Westfield
New York (Chautauqua)
9,958,000 USD (Nine Million Nine Hundred and Fifty-Eight Thousand $)
1 Green Ave/Wegmans Plaza (Lake Shore Savings and Loan Association)
1 Green Ave/Wegmans Plaza
14701 Jamestown
New York (Chautauqua)
23,398,000 USD (Twenty-Three Million Three Hundred and Ninety-Eight Thousand $)
1 Green Ave/Wegmans Plaza
14701 Jamestown
New York (Chautauqua)
23,398,000 USD (Twenty-Three Million Three Hundred and Ninety-Eight Thousand $)
711 Allerton Ave. (City and Suburban FSB)
711 Allerton Ave.
10467 Bronx
New York (Bronx)
76,018,000 USD (Seventy-Six Million Eightteen Thousand $)
711 Allerton Ave.
10467 Bronx
New York (Bronx)
76,018,000 USD (Seventy-Six Million Eightteen Thousand $)
670 Mclean Ave. (City and Suburban FSB)
670 Mclean Ave.
10704 Yonkers
New York (Westchester)
104,241,000 USD (One Hundred and Four Million Two Hundred and Fourty-One Thousand $)
670 Mclean Ave.
10704 Yonkers
New York (Westchester)
104,241,000 USD (One Hundred and Four Million Two Hundred and Fourty-One Thousand $)
3899 Sedgwick Ave. (City and Suburban FSB)
3899 Sedgwick Ave.
10463 Bronx
New York (Bronx)
32,121,000 USD (Thirty-Two Million One Hundred and Twenty-One Thousand $)
3899 Sedgwick Ave.
10463 Bronx
New York (Bronx)
32,121,000 USD (Thirty-Two Million One Hundred and Twenty-One Thousand $)
382 Pelham Rd. (City and Suburban FSB)
382 Pelham Rd.
10805 New Rochelle
New York (Westchester)
43,510,000 USD (Fourty-Three Million Five Hundred and Ten Thousand $)
382 Pelham Rd.
10805 New Rochelle
New York (Westchester)
43,510,000 USD (Fourty-Three Million Five Hundred and Ten Thousand $)
345 E 86 St (City and Suburban FSB)
345 E 86 St
10028 New York
New York (New York)
63,665,000 USD (Sixty-Three Million Six Hundred and Sixty-Five Thousand $)
345 E 86 St
10028 New York
New York (New York)
63,665,000 USD (Sixty-Three Million Six Hundred and Sixty-Five Thousand $)
322 Main Street (Westmoreland Federal Savings and Loan Association)
322 Main Street
15650 Latrobe
Pennsylvania (Westmoreland)
105,653,000 USD (One Hundred and Five Million Six Hundred and Fifty-Three Thousand $)
322 Main Street
15650 Latrobe
Pennsylvania (Westmoreland)
105,653,000 USD (One Hundred and Five Million Six Hundred and Fifty-Three Thousand $)
1475 Bergen Blvd (Pamrapo Savings Bank, SLA)
1475 Bergen Blvd
07024 Fort Lee
New Jersey (Bergen)
31,789,000 USD (Thirty-One Million Seven Hundred and Eigthy-Nine Thousand $)
1475 Bergen Blvd
07024 Fort Lee
New Jersey (Bergen)
31,789,000 USD (Thirty-One Million Seven Hundred and Eigthy-Nine Thousand $)
155 Broadway (Pamrapo Savings Bank, SLA)
155 Broadway
07002 Bayonne
New Jersey (Hudson)
86,369,000 USD (Eigthy-Six Million Three Hundred and Sixty-Nine Thousand $)
155 Broadway
07002 Bayonne
New Jersey (Hudson)
86,369,000 USD (Eigthy-Six Million Three Hundred and Sixty-Nine Thousand $)
175 Broadway (Pamrapo Savings Bank, SLA)
175 Broadway
07002 Bayonne
New Jersey (Hudson)
155,000 USD (One Hundred and Fifty-Five Thousand $)
175 Broadway
07002 Bayonne
New Jersey (Hudson)
155,000 USD (One Hundred and Fifty-Five Thousand $)
401-403 Washington Street (Pamrapo Savings Bank, SLA)
401-403 Washington Street
07030 Hoboken
New Jersey (Hudson)
49,947,000 USD (Fourty-Nine Million Nine Hundred and Fourty-Seven Thousand $)
401-403 Washington Street
07030 Hoboken
New Jersey (Hudson)
49,947,000 USD (Fourty-Nine Million Nine Hundred and Fourty-Seven Thousand $)
473 Spotswood/Englishtown Rd (Pamrapo Savings Bank, SLA)
473 Spotswood/Englishtown Rd
08831 Monroe Township
New Jersey (Middlesex)
35,877,000 USD (Thirty-Five Million Eight Hundred and Seventy-Seven Thousand $)
473 Spotswood/Englishtown Rd
08831 Monroe Township
New Jersey (Middlesex)
35,877,000 USD (Thirty-Five Million Eight Hundred and Seventy-Seven Thousand $)
544 Broadway (Pamrapo Savings Bank, SLA)
544 Broadway
07002 Bayonne
New Jersey (Hudson)
21,501,000 USD (Twenty-One Million Five Hundred and One Thousand $)
544 Broadway
07002 Bayonne
New Jersey (Hudson)
21,501,000 USD (Twenty-One Million Five Hundred and One Thousand $)
611 Avenue C (Pamrapo Savings Bank, SLA)
611 Avenue C
07002 Bayonne
New Jersey (Hudson)
149,872,000 USD (One Hundred and Fourty-Nine Million Eight Hundred and Seventy-Two Thousand $)
611 Avenue C
07002 Bayonne
New Jersey (Hudson)
149,872,000 USD (One Hundred and Fourty-Nine Million Eight Hundred and Seventy-Two Thousand $)
861 Broadway (Pamrapo Savings Bank, SLA)
861 Broadway
07002 Bayonne
New Jersey (Hudson)
82,839,000 USD (Eigthy-Two Million Eight Hundred and Thirty-Nine Thousand $)
861 Broadway
07002 Bayonne
New Jersey (Hudson)
82,839,000 USD (Eigthy-Two Million Eight Hundred and Thirty-Nine Thousand $)
987 Broadway (Pamrapo Savings Bank, SLA)
987 Broadway
07002 Bayonne
New Jersey (Hudson)
19,111,000 USD (Nineteen Million One Hundred and Eleven Thousand $)
987 Broadway
07002 Bayonne
New Jersey (Hudson)
19,111,000 USD (Nineteen Million One Hundred and Eleven Thousand $)
Original information:
# FDIC Certificate Number: 30530
# FRB ID Number: 301574.00000000
# OTS Docket Number: 5506.00000000
# Institution Name: LAKE SHORE SAVINGS&LOAN ASSN
# Institution Name: Lake Shore Savings and Loan Association
# FRB ID Number (Band Holding Company): 0.00000000
# Multi-Bank Holding Company flag: 0.00000000
# No Bank Holding Company flag: 1.00000000
# One Bank Holding Company flag: 0.00000000
# Unit Bank flag: 0.00000000
# Primary Federal Regulator: OTS
# Primary Insurance Fund: SAIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 2.00000000
# Institution Class: SA
# Class Number: 36
# QBP Region Number: 1.00000000
# QBP Region Name: Northeast
# FDIC Region Number: 2
# FDIC Region Name: New York
# Federal Reserve District Name: New York
# OCC District Number: 1
# OCC Region Name: Northeast District
# OTS Region Name: Northeast
# OTS Region Number: 1.00000000
# State Code: NY
# State Name (Institution Headquarters): New York
# State Number (Institution): 36
# County Name(Institution): Chautauqua
# County Number (Institution): 13.00000000
# State and County Number (Institution): 36013.00000000
# Institution Headquarters, City: Dunkirk
# Institution Headquarters, City (USPS): Dunkirk
# Address (Institution): 128 East 4th St
# Zip Code (Institution): 14048
# Place Code Number: 0.00000000
# FIPS CMSA Code (Main Office): 0
# MSA Code (Institution): 0
# FIPS Country Name: United States
# New Brick and Mortar flag: 0.00000000
# Federal Charter flag: 0.00000000
# State Charter flag: 1.00000000
# TFR Report flag: 1.00000000
# Call Report flag: 0.00000000
# Insured Commercial Bank flag: 0.00000000
# Insured Savings Institution flag: 1.00000000
# Insured Institution flag: 1.00000000
# Insured FDIC flag: 1.00000000
# Escrow Accounts (TFR): 2445.00000000
# International Banking Act entity flag: 0.00000000
# U.S. branches of foreign institutions flag: 0.00000000
# SASSER flag: 0.00000000
# Demand Deposit in Insured Branches: 0.00000000
# Time and Saving Deposit in Insured Branches: 0.00000000
# Total Domestic Deposits for the institutions: 0.00000000
# Total Domestic Deposits: 212606.00000000
# Deposits (Branch) (in thousand of dollars): 11931.00000000
# Total Assets: 254111.00000000
# Assets Size Indicator: 4.00000000
# Assets 100M to 300M flag: 1.00000000
# Assets Over 10B flag: 0.00000000
# Assets 1B to 3B flag: 0.00000000
# Assets Under 25M flag: 0.00000000
# Assets 25M to 50M flag: 0.00000000
# Assets 300M to 500M flag: 0.00000000
# Assets 3B to 10B flag: 0.00000000
# Assets 500M to 1B flag: 0.00000000
# Assets 50M to 100M flag: 0.00000000
# Branch Domicile Indicator: 1.00000000
# SOD Region Book Number: 1
# Domestic Institution flag: 1.00000000
# Office Number: 5
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 10035491.00000000
# Name (Branch)): 3111 Union Road
# State Code (Branch): NY
# State Name (Branch): New York
# State Number (Branch): 36
# County Name (Branch): Erie
# Country Number (Branch): 29.00000000
# State and County Number (Branch): 36029
# City (Reported)(Branch): Orchard Park
# City (USPS)(Branch): Orchard Park
# Address(Branch): 3111 Union Road
# Zip Code (Branch): 14127
# FIPS CMSA Code (Branch): 0
# MSA Code (Branch): 0
# FIPS Country Name (Branch): United States
# Branch Service Type: 11
# Consol/Estimated/Non-Dep: 0
# FDIC Region Number Branch): 2
# FDIC Region Name (Branch): New York
# Call Report flag (Branch): 0.00000000
# TFR Report flag (Branch): 1.00000000
# Report Date: 0000-00-00 00:00:00
# Report Date (YYMMDD): 2003-06-30
# Report Date (YYMM): 2020-03-06
# Data Source Identifier: SOD_TH
# GEO_Census_Block_Group: 360290137029
# Combined Statistical Area Name (Institution): Buffalo-Niagara-Cattaraugus, NY
# Core Based Statistical Area Name (Institution): Buffalo-Niagara Falls, NY
# Combined Statistical Areas (Institution): 160
# Core Based Statistical Areas (Institution): 15380
# Metropolitan Statistical Areas (Branch): 15380
# Metropolitan Statistical Area Name (Branch): Buffalo-Niagara Falls, NY
# Combined Statistical Areas (Branch): 160
# Combined Statistical Area Name (Branch): Buffalo-Niagara-Cattaraugus, NY
# Core Based Statistical Areas (Branch): 15380
# Core Based Statistical Area Name (Branch): Buffalo-Niagara Falls, NY
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 1
# Micropolitan Divisions Flag (Branch): 0
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Micropolitan Divisions Flag (Institution): 1
# Industry Specialization Group: 5.00000000
# Industry Specialization Description: MORTGAGE LENDING
# New England County Metro Areas (Branch): 0.00000000
# New England County Metro Areas (Institution): 0.00000000
# FDIC Certificate Number: 30530
# FRB ID Number: 301574.00000000
# OTS Docket Number: 5506.00000000
# Institution Name: LAKE SHORE SAVINGS&LOAN ASSN
# Institution Name: Lake Shore Savings and Loan Association
# FRB ID Number (Band Holding Company): 0.00000000
# Multi-Bank Holding Company flag: 0.00000000
# No Bank Holding Company flag: 1.00000000
# One Bank Holding Company flag: 0.00000000
# Unit Bank flag: 0.00000000
# Primary Federal Regulator: OTS
# Primary Insurance Fund: SAIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 2.00000000
# Institution Class: SA
# Class Number: 36
# QBP Region Number: 1.00000000
# QBP Region Name: Northeast
# FDIC Region Number: 2
# FDIC Region Name: New York
# Federal Reserve District Name: New York
# OCC District Number: 1
# OCC Region Name: Northeast District
# OTS Region Name: Northeast
# OTS Region Number: 1.00000000
# State Code: NY
# State Name (Institution Headquarters): New York
# State Number (Institution): 36
# County Name(Institution): Chautauqua
# County Number (Institution): 13.00000000
# State and County Number (Institution): 36013.00000000
# Institution Headquarters, City: Dunkirk
# Institution Headquarters, City (USPS): Dunkirk
# Address (Institution): 128 East 4th St
# Zip Code (Institution): 14048
# Place Code Number: 0.00000000
# FIPS CMSA Code (Main Office): 0
# MSA Code (Institution): 0
# FIPS Country Name: United States
# New Brick and Mortar flag: 0.00000000
# Federal Charter flag: 0.00000000
# State Charter flag: 1.00000000
# TFR Report flag: 1.00000000
# Call Report flag: 0.00000000
# Insured Commercial Bank flag: 0.00000000
# Insured Savings Institution flag: 1.00000000
# Insured Institution flag: 1.00000000
# Insured FDIC flag: 1.00000000
# Escrow Accounts (TFR): 2445.00000000
# International Banking Act entity flag: 0.00000000
# U.S. branches of foreign institutions flag: 0.00000000
# SASSER flag: 0.00000000
# Demand Deposit in Insured Branches: 0.00000000
# Time and Saving Deposit in Insured Branches: 0.00000000
# Total Domestic Deposits for the institutions: 0.00000000
# Total Domestic Deposits: 212606.00000000
# Deposits (Branch) (in thousand of dollars): 11931.00000000
# Total Assets: 254111.00000000
# Assets Size Indicator: 4.00000000
# Assets 100M to 300M flag: 1.00000000
# Assets Over 10B flag: 0.00000000
# Assets 1B to 3B flag: 0.00000000
# Assets Under 25M flag: 0.00000000
# Assets 25M to 50M flag: 0.00000000
# Assets 300M to 500M flag: 0.00000000
# Assets 3B to 10B flag: 0.00000000
# Assets 500M to 1B flag: 0.00000000
# Assets 50M to 100M flag: 0.00000000
# Branch Domicile Indicator: 1.00000000
# SOD Region Book Number: 1
# Domestic Institution flag: 1.00000000
# Office Number: 5
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 10035491.00000000
# Name (Branch)): 3111 Union Road
# State Code (Branch): NY
# State Name (Branch): New York
# State Number (Branch): 36
# County Name (Branch): Erie
# Country Number (Branch): 29.00000000
# State and County Number (Branch): 36029
# City (Reported)(Branch): Orchard Park
# City (USPS)(Branch): Orchard Park
# Address(Branch): 3111 Union Road
# Zip Code (Branch): 14127
# FIPS CMSA Code (Branch): 0
# MSA Code (Branch): 0
# FIPS Country Name (Branch): United States
# Branch Service Type: 11
# Consol/Estimated/Non-Dep: 0
# FDIC Region Number Branch): 2
# FDIC Region Name (Branch): New York
# Call Report flag (Branch): 0.00000000
# TFR Report flag (Branch): 1.00000000
# Report Date: 0000-00-00 00:00:00
# Report Date (YYMMDD): 2003-06-30
# Report Date (YYMM): 2020-03-06
# Data Source Identifier: SOD_TH
# GEO_Census_Block_Group: 360290137029
# Combined Statistical Area Name (Institution): Buffalo-Niagara-Cattaraugus, NY
# Core Based Statistical Area Name (Institution): Buffalo-Niagara Falls, NY
# Combined Statistical Areas (Institution): 160
# Core Based Statistical Areas (Institution): 15380
# Metropolitan Statistical Areas (Branch): 15380
# Metropolitan Statistical Area Name (Branch): Buffalo-Niagara Falls, NY
# Combined Statistical Areas (Branch): 160
# Combined Statistical Area Name (Branch): Buffalo-Niagara-Cattaraugus, NY
# Core Based Statistical Areas (Branch): 15380
# Core Based Statistical Area Name (Branch): Buffalo-Niagara Falls, NY
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 1
# Micropolitan Divisions Flag (Branch): 0
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Micropolitan Divisions Flag (Institution): 1
# Industry Specialization Group: 5.00000000
# Industry Specialization Description: MORTGAGE LENDING
# New England County Metro Areas (Branch): 0.00000000
# New England County Metro Areas (Institution): 0.00000000