37 N. Howard St Branch, Croswell (Michigan) 48422, 37 N. Howard Street
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##Szablon_SPECDESC##
37 N. Howard St Branch, Croswell (Michigan) 48422, 37 N. Howard Street
Name (Branch)): 37 N. Howard St Branch
Address(Branch): 37 N. Howard Street
Zip Code (Branch): 48422
City (Reported)(Branch): Croswell
County Name (Branch): Sanilac
State Name (Branch): Michigan
Address(Branch): 37 N. Howard Street
Zip Code (Branch): 48422
City (Reported)(Branch): Croswell
County Name (Branch): Sanilac
State Name (Branch): Michigan
Institution Name: CITIZENS FIRST SAVINGS BANK
Address (Institution): 525 Water Street
Zip Code (Institution): 48060
Institution Headquarters, City: Port Huron
County Name(Institution): Saint Clair
State Name (Institution Headquarters): Michigan
Address (Institution): 525 Water Street
Zip Code (Institution): 48060
Institution Headquarters, City: Port Huron
County Name(Institution): Saint Clair
State Name (Institution Headquarters): Michigan
Total Assets: 1,037,665,000 USD (One Thousand and Thirty-Seven Million Six Hundred and Sixty-Five Thousand $)
Total Domestic Deposits: 725,773,000 USD (Seven Hundred and Twenty-Five Million Seven Hundred and Seventy-Three Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 23,027,000 USD (Twenty-Three Million Twenty-Seven Thousand $)
Industry Specialization Description: COMMERCIAL LENDING
Total Domestic Deposits: 725,773,000 USD (Seven Hundred and Twenty-Five Million Seven Hundred and Seventy-Three Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 23,027,000 USD (Twenty-Three Million Twenty-Seven Thousand $)
Industry Specialization Description: COMMERCIAL LENDING
204 S. Huron Branch (Citizens First Savings Bank)
204 S. Huron
48441 Harbor Beach
Michigan (Huron)
15,310,000 USD (Fifteen Million Three Hundred and Ten Thousand $)
204 S. Huron
48441 Harbor Beach
Michigan (Huron)
15,310,000 USD (Fifteen Million Three Hundred and Ten Thousand $)
Fort Gratiot Branch (Citizens First Savings Bank)
4778 24th Avenue
48059 Fort Gratiot
Michigan (St. Clair)
31,139,000 USD (Thirty-One Million One Hundred and Thirty-Nine Thousand $)
4778 24th Avenue
48059 Fort Gratiot
Michigan (St. Clair)
31,139,000 USD (Thirty-One Million One Hundred and Thirty-Nine Thousand $)
Eaton Rapids Branch (SSBBank)
1401 South Main Street
48827 Eaton Rapids
Michigan (Eaton)
15,929,000 USD (Fifteen Million Nine Hundred and Twenty-Nine Thousand $)
1401 South Main Street
48827 Eaton Rapids
Michigan (Eaton)
15,929,000 USD (Fifteen Million Nine Hundred and Twenty-Nine Thousand $)
Coolidge Branch (Comerica Bank)
25555 Coolidge Highway
48237 Oak Park
Michigan (Oakland)
47,914,000 USD (Fourty-Seven Million Nine Hundred and Fourteen Thousand $)
25555 Coolidge Highway
48237 Oak Park
Michigan (Oakland)
47,914,000 USD (Fourty-Seven Million Nine Hundred and Fourteen Thousand $)
Lakeshore Branch (Chemical Bank Shoreline)
1711 West John Beers Road
49127 Stevensville
Michigan (Berrien)
39,270,000 USD (Thirty-Nine Million Two Hundred and Seventy Thousand $)
1711 West John Beers Road
49127 Stevensville
Michigan (Berrien)
39,270,000 USD (Thirty-Nine Million Two Hundred and Seventy Thousand $)
Fort Southfield Branch (Bank One, National Association)
2041 Fort Street
48146 Lincoln Park
Michigan (Wayne)
31,569,000 USD (Thirty-One Million Five Hundred and Sixty-Nine Thousand $)
2041 Fort Street
48146 Lincoln Park
Michigan (Wayne)
31,569,000 USD (Thirty-One Million Five Hundred and Sixty-Nine Thousand $)
Fort Williamsburg Branch (Bank One, National Association)
17800 Fort Street
48192 Riverview
Michigan (Wayne)
31,147,000 USD (Thirty-One Million One Hundred and Fourty-Seven Thousand $)
17800 Fort Street
48192 Riverview
Michigan (Wayne)
31,147,000 USD (Thirty-One Million One Hundred and Fourty-Seven Thousand $)
Allen Park Branch (Bank One, National Association)
14601 Southfield
48101 Allen Park
Michigan (Wayne)
47,394,000 USD (Fourty-Seven Million Three Hundred and Ninety-Four Thousand $)
14601 Southfield
48101 Allen Park
Michigan (Wayne)
47,394,000 USD (Fourty-Seven Million Three Hundred and Ninety-Four Thousand $)
20599 Mack Ave Branch (Standard Federal Bank National Association)
20599 Mack Avenue
48236 Grosse Pointe Wo
Michigan (Wayne)
74,071,000 USD (Seventy-Four Million Seventy-One Thousand $)
20599 Mack Avenue
48236 Grosse Pointe Wo
Michigan (Wayne)
74,071,000 USD (Seventy-Four Million Seventy-One Thousand $)
15751 E Nine Mile Rd Branch (Standard Federal Bank National Association)
15751 Nine Mile Road
48021 Eastpointe
Michigan (Macomb)
76,939,000 USD (Seventy-Six Million Nine Hundred and Thirty-Nine Thousand $)
15751 Nine Mile Road
48021 Eastpointe
Michigan (Macomb)
76,939,000 USD (Seventy-Six Million Nine Hundred and Thirty-Nine Thousand $)
South Parker Street Branch (Citizens First Savings Bank)
210 South Parker Street
48039 Marine City
Michigan (St. Clair)
42,518,000 USD (Fourty-Two Million Five Hundred and Eightteen Thousand $)
210 South Parker Street
48039 Marine City
Michigan (St. Clair)
42,518,000 USD (Fourty-Two Million Five Hundred and Eightteen Thousand $)
2015 Gratiot Avenue Branch (Citizens First Savings Bank)
2015 Gratiot Avenue
48040 Marysville
Michigan (St. Clair)
62,583,000 USD (Sixty-Two Million Five Hundred and Eigthy-Three Thousand $)
2015 Gratiot Avenue
48040 Marysville
Michigan (St. Clair)
62,583,000 USD (Sixty-Two Million Five Hundred and Eigthy-Three Thousand $)
3136 Lapeer Road Branch (Citizens First Savings Bank)
3136 Lapeer Road
48060 Port Huron
Michigan (St. Clair)
36,067,000 USD (Thirty-Six Million Sixty-Seven Thousand $)
3136 Lapeer Road
48060 Port Huron
Michigan (St. Clair)
36,067,000 USD (Thirty-Six Million Sixty-Seven Thousand $)
380 N. Cedar Street Branch (Citizens First Savings Bank)
380 N. Cedar Street
48444 Imlay City
Michigan (Lapeer)
42,812,000 USD (Fourty-Two Million Eight Hundred and Twelve Thousand $)
380 N. Cedar Street
48444 Imlay City
Michigan (Lapeer)
42,812,000 USD (Fourty-Two Million Eight Hundred and Twelve Thousand $)
270 Clinton Avenue Branch (Citizens First Savings Bank)
270 Clinton Avenue
48079 St. Clair
Michigan (St. Clair)
47,426,000 USD (Fourty-Seven Million Four Hundred and Twenty-Six Thousand $)
270 Clinton Avenue
48079 St. Clair
Michigan (St. Clair)
47,426,000 USD (Fourty-Seven Million Four Hundred and Twenty-Six Thousand $)
1527 Hancock Street Branch (Citizens First Savings Bank)
1527 Hancock Street
48060 Port Huron
Michigan (St. Clair)
48,642,000 USD (Fourty-Eight Million Six Hundred and Fourty-Two Thousand $)
1527 Hancock Street
48060 Port Huron
Michigan (St. Clair)
48,642,000 USD (Fourty-Eight Million Six Hundred and Fourty-Two Thousand $)
301 Summer Street Branch (Citizens First Savings Bank)
301 Summer Street
48001 Algonac
Michigan (St. Clair)
52,327,000 USD (Fifty-Two Million Three Hundred and Twenty-Seven Thousand $)
301 Summer Street
48001 Algonac
Michigan (St. Clair)
52,327,000 USD (Fifty-Two Million Three Hundred and Twenty-Seven Thousand $)
48 South Elk St. Branch (Citizens First Savings Bank)
48 South Elk Street
48471 Sandusky
Michigan (Sanilac)
45,710,000 USD (Fourty-Five Million Seven Hundred and Ten Thousand $)
48 South Elk Street
48471 Sandusky
Michigan (Sanilac)
45,710,000 USD (Fourty-Five Million Seven Hundred and Ten Thousand $)
123 N. Port Crescent Branch (Citizens First Savings Bank)
123 N. Port Crescent
48413 Bad Axe
Michigan (Huron)
68,635,000 USD (Sixty-Eight Million Six Hundred and Thirty-Five Thousand $)
123 N. Port Crescent
48413 Bad Axe
Michigan (Huron)
68,635,000 USD (Sixty-Eight Million Six Hundred and Thirty-Five Thousand $)
Warren Branch (Standard Federal Bank National Association)
30160 Van Dyke
48093 Warren
Michigan (Macomb)
57,759,000 USD (Fifty-Seven Million Seven Hundred and Fifty-Nine Thousand $)
30160 Van Dyke
48093 Warren
Michigan (Macomb)
57,759,000 USD (Fifty-Seven Million Seven Hundred and Fifty-Nine Thousand $)
Fort Myers Branch (SouthTrust Bank)
12270 Metro Pkwy
33912 Fort Myers
Florida (Lee)
23,027,000 USD (Twenty-Three Million Twenty-Seven Thousand $)
12270 Metro Pkwy
33912 Fort Myers
Florida (Lee)
23,027,000 USD (Twenty-Three Million Twenty-Seven Thousand $)
Lexington Branch (Citizens First Savings Bank)
5536 Main Street
48450 Lexington
Michigan (Sanilac)
7,786,000 USD (Seven Million Seven Hundred and Eigthy-Six Thousand $)
5536 Main Street
48450 Lexington
Michigan (Sanilac)
7,786,000 USD (Seven Million Seven Hundred and Eigthy-Six Thousand $)
Mercer County Banking Center (Midwest Bank of Western Illinois)
104 Southeast Third Avenue
61231 Aledo
Illinois (Mercer)
14,054,000 USD (Fourteen Million Fifty-Four Thousand $)
104 Southeast Third Avenue
61231 Aledo
Illinois (Mercer)
14,054,000 USD (Fourteen Million Fifty-Four Thousand $)
1035 Broadway Branch (First State Bank of Western Illinois)
1035 Broadway
62341 Hamilton
Illinois (Hancock)
21,657,000 USD (Twenty-One Million Six Hundred and Fifty-Seven Thousand $)
1035 Broadway
62341 Hamilton
Illinois (Hancock)
21,657,000 USD (Twenty-One Million Six Hundred and Fifty-Seven Thousand $)
Galesburg Center Branch (Associated Bank Illinois, National Association)
1865 North Henderson Street
61401 Galesburg
Illinois (Knox)
24,694,000 USD (Twenty-Four Million Six Hundred and Ninety-Four Thousand $)
1865 North Henderson Street
61401 Galesburg
Illinois (Knox)
24,694,000 USD (Twenty-Four Million Six Hundred and Ninety-Four Thousand $)
Monmouth Branch (Associated Bank Illinois, National Association)
122 West Boston Avenue
61462 Monmouth
Illinois (Warren)
6,676,000 USD (Six Million Six Hundred and Seventy-Six Thousand $)
122 West Boston Avenue
61462 Monmouth
Illinois (Warren)
6,676,000 USD (Six Million Six Hundred and Seventy-Six Thousand $)
East Peoria Branch (Associated Bank Illinois, National Association)
300 East Washington Street
61611 East Peoria
Illinois (Tazewell)
30,395,000 USD (Thirty Million Three Hundred and Ninety-Five Thousand $)
300 East Washington Street
61611 East Peoria
Illinois (Tazewell)
30,395,000 USD (Thirty Million Three Hundred and Ninety-Five Thousand $)
3109 Bergenline Avenue Branch (Fleet National Bank)
3109 Bergenline Avenue
07087 Union City
New Jersey (Hudson)
53,912,000 USD (Fifty-Three Million Nine Hundred and Twelve Thousand $)
3109 Bergenline Avenue
07087 Union City
New Jersey (Hudson)
53,912,000 USD (Fifty-Three Million Nine Hundred and Twelve Thousand $)
900 River Road Branch (Fleet National Bank)
900 River Road
07646 New Milford
New Jersey (Bergen)
0 USD (zero $)
900 River Road
07646 New Milford
New Jersey (Bergen)
0 USD (zero $)
Calumet City Branch (Harris Trust and Savings Bank)
555 Burnham Avenue
60409 Calumet City
Illinois (Cook)
64,602,000 USD (Sixty-Four Million Six Hundred and Two Thousand $)
555 Burnham Avenue
60409 Calumet City
Illinois (Cook)
64,602,000 USD (Sixty-Four Million Six Hundred and Two Thousand $)
Altamont Branch (Peoples Bank & Trust)
511 South Main Street
62411 Altamont
Illinois (Effingham)
21,579,000 USD (Twenty-One Million Five Hundred and Seventy-Nine Thousand $)
511 South Main Street
62411 Altamont
Illinois (Effingham)
21,579,000 USD (Twenty-One Million Five Hundred and Seventy-Nine Thousand $)
Hoffman Estates Branch (Harris Trust and Savings Bank)
1400 North Gannon Drive
60194 Hoffman Estates
Illinois (Cook)
164,930,000 USD (One Hundred and Sixty-Four Million Nine Hundred and Thirty Thousand $)
1400 North Gannon Drive
60194 Hoffman Estates
Illinois (Cook)
164,930,000 USD (One Hundred and Sixty-Four Million Nine Hundred and Thirty Thousand $)
Original information:
# FDIC Certificate Number: 30005
# FRB ID Number: 791474.00000000
# OTS Docket Number: 4531.00000000
# Institution Name: CITIZENS FIRST SAVINGS BANK
# Institution Name: Citizens First Savings Bank
# 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: FDIC
# Primary Insurance Fund: SAIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 7.00000000
# Institution Class: SB
# Class Number: 41
# QBP Region Number: 3.00000000
# QBP Region Name: Central
# FDIC Region Number: 9
# FDIC Region Name: Chicago
# Federal Reserve District Name: Chicago
# OCC District Number: 3
# OCC Region Name: Central District
# OTS Region Name: Central
# OTS Region Number: 3.00000000
# State Code: MI
# State Name (Institution Headquarters): Michigan
# State Number (Institution): 26
# County Name(Institution): Saint Clair
# County Number (Institution): 147.00000000
# State and County Number (Institution): 26147.00000000
# Institution Headquarters, City: Port Huron
# Institution Headquarters, City (USPS): Port Huron
# Address (Institution): 525 Water Street
# Zip Code (Institution): 48060
# 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: 0.00000000
# Call Report flag: 1.00000000
# 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): 0.00000000
# International Banking Act entity flag: 0.00000000
# U.S. branches of foreign institutions flag: 0.00000000
# SASSER flag: 1.00000000
# 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: 725773.00000000
# Deposits (Branch) (in thousand of dollars): 23027.00000000
# Total Assets: 1037665.00000000
# Assets Size Indicator: 7.00000000
# Assets 100M to 300M flag: 0.00000000
# Assets Over 10B flag: 0.00000000
# Assets 1B to 3B flag: 1.00000000
# 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: 3
# Domestic Institution flag: 1.00000000
# Office Number: 101
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 278189.00000000
# Name (Branch)): 37 N. Howard St Branch
# State Code (Branch): MI
# State Name (Branch): Michigan
# State Number (Branch): 26
# County Name (Branch): Sanilac
# Country Number (Branch): 151.00000000
# State and County Number (Branch): 26151
# City (Reported)(Branch): Croswell
# City (USPS)(Branch): Croswell
# Address(Branch): 37 N. Howard Street
# Zip Code (Branch): 48422
# 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): 9
# FDIC Region Name (Branch): Chicago
# Call Report flag (Branch): 1.00000000
# TFR Report flag (Branch): 0.00000000
# Report Date: 0000-00-00 00:00:00
# Report Date (YYMMDD): 2003-06-30
# Report Date (YYMM): 2020-03-06
# Data Source Identifier: SIMS_O
# GEO_Census_Block_Group: 261519708002
# Combined Statistical Areas (Institution): 0
# Core Based Statistical Areas (Institution): 0
# Metropolitan Statistical Areas (Branch): 0
# Combined Statistical Areas (Branch): 0
# Core Based Statistical Areas (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Micropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Name (Institution): Warren-Farmington Hills-Troy, MI
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 47644
# Metropolitan Divisions Flag (Institution): 1
# Micropolitan Divisions Flag (Institution): 0
# Industry Specialization Group: 4.00000000
# Industry Specialization Description: COMMERCIAL LENDING
# New England County Metro Areas (Branch): 0.00000000
# New England County Metro Areas (Institution): 0.00000000
# FDIC Certificate Number: 30005
# FRB ID Number: 791474.00000000
# OTS Docket Number: 4531.00000000
# Institution Name: CITIZENS FIRST SAVINGS BANK
# Institution Name: Citizens First Savings Bank
# 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: FDIC
# Primary Insurance Fund: SAIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 7.00000000
# Institution Class: SB
# Class Number: 41
# QBP Region Number: 3.00000000
# QBP Region Name: Central
# FDIC Region Number: 9
# FDIC Region Name: Chicago
# Federal Reserve District Name: Chicago
# OCC District Number: 3
# OCC Region Name: Central District
# OTS Region Name: Central
# OTS Region Number: 3.00000000
# State Code: MI
# State Name (Institution Headquarters): Michigan
# State Number (Institution): 26
# County Name(Institution): Saint Clair
# County Number (Institution): 147.00000000
# State and County Number (Institution): 26147.00000000
# Institution Headquarters, City: Port Huron
# Institution Headquarters, City (USPS): Port Huron
# Address (Institution): 525 Water Street
# Zip Code (Institution): 48060
# 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: 0.00000000
# Call Report flag: 1.00000000
# 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): 0.00000000
# International Banking Act entity flag: 0.00000000
# U.S. branches of foreign institutions flag: 0.00000000
# SASSER flag: 1.00000000
# 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: 725773.00000000
# Deposits (Branch) (in thousand of dollars): 23027.00000000
# Total Assets: 1037665.00000000
# Assets Size Indicator: 7.00000000
# Assets 100M to 300M flag: 0.00000000
# Assets Over 10B flag: 0.00000000
# Assets 1B to 3B flag: 1.00000000
# 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: 3
# Domestic Institution flag: 1.00000000
# Office Number: 101
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 278189.00000000
# Name (Branch)): 37 N. Howard St Branch
# State Code (Branch): MI
# State Name (Branch): Michigan
# State Number (Branch): 26
# County Name (Branch): Sanilac
# Country Number (Branch): 151.00000000
# State and County Number (Branch): 26151
# City (Reported)(Branch): Croswell
# City (USPS)(Branch): Croswell
# Address(Branch): 37 N. Howard Street
# Zip Code (Branch): 48422
# 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): 9
# FDIC Region Name (Branch): Chicago
# Call Report flag (Branch): 1.00000000
# TFR Report flag (Branch): 0.00000000
# Report Date: 0000-00-00 00:00:00
# Report Date (YYMMDD): 2003-06-30
# Report Date (YYMM): 2020-03-06
# Data Source Identifier: SIMS_O
# GEO_Census_Block_Group: 261519708002
# Combined Statistical Areas (Institution): 0
# Core Based Statistical Areas (Institution): 0
# Metropolitan Statistical Areas (Branch): 0
# Combined Statistical Areas (Branch): 0
# Core Based Statistical Areas (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Micropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Name (Institution): Warren-Farmington Hills-Troy, MI
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 47644
# Metropolitan Divisions Flag (Institution): 1
# Micropolitan Divisions Flag (Institution): 0
# Industry Specialization Group: 4.00000000
# Industry Specialization Description: COMMERCIAL LENDING
# New England County Metro Areas (Branch): 0.00000000
# New England County Metro Areas (Institution): 0.00000000