Traverse City Branch, Traverse City (Michigan) 49684, 3500 Marketplace Circle, Su
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##Szablon_SPECDESC##
Traverse City Branch, Traverse City (Michigan) 49684, 3500 Marketplace Circle, Su
Name (Branch)): Traverse City Branch
Address(Branch): 3500 Marketplace Circle, Su
Zip Code (Branch): 49684
City (Reported)(Branch): Traverse City
County Name (Branch): Grand Traverse
State Name (Branch): Michigan
Address(Branch): 3500 Marketplace Circle, Su
Zip Code (Branch): 49684
City (Reported)(Branch): Traverse City
County Name (Branch): Grand Traverse
State Name (Branch): Michigan
Institution Name: HONOR STATE BANK
Address (Institution): P. O. Box 67
Zip Code (Institution): 49640
Institution Headquarters, City: Honor
County Name(Institution): Benzie
State Name (Institution Headquarters): Michigan
Address (Institution): P. O. Box 67
Zip Code (Institution): 49640
Institution Headquarters, City: Honor
County Name(Institution): Benzie
State Name (Institution Headquarters): Michigan
Total Assets: 186,044,000 USD (One Hundred and Eigthy-Six Million Fourty-Four Thousand $)
Total Domestic Deposits: 151,736,000 USD (One Hundred and Fifty-One Million Seven Hundred and Thirty-Six Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 23,032,000 USD (Twenty-Three Million Thirty-Two Thousand $)
Industry Specialization Description: COMMERCIAL LENDING
Total Domestic Deposits: 151,736,000 USD (One Hundred and Fifty-One Million Seven Hundred and Thirty-Six Thousand $)
Total Domestic Deposits for the institutions: 0 USD (zero $)
Deposits (Branch) (in thousand of dollars): 23,032,000 USD (Twenty-Three Million Thirty-Two Thousand $)
Industry Specialization Description: COMMERCIAL LENDING
North Muskegon Branch (Community Shores Bank)
485 Whitehall Road
49445 North Muskegon
Michigan (Muskegon)
13,739,000 USD (Thirteen Million Seven Hundred and Thirty-Nine Thousand $)
485 Whitehall Road
49445 North Muskegon
Michigan (Muskegon)
13,739,000 USD (Thirteen Million Seven Hundred and Thirty-Nine Thousand $)
Howell (Fifth Third Bank)
3866 East Grand River
48843 Howell
Michigan (Livingston)
15,064,000 USD (Fifteen Million Sixty-Four Thousand $)
3866 East Grand River
48843 Howell
Michigan (Livingston)
15,064,000 USD (Fifteen Million Sixty-Four Thousand $)
Pontiac Branch (Fifth Third Bank)
52 North Saginaw
48342 Pontiac
Michigan (Oakland)
2,950,000 USD (Two Million Nine Hundred and Fifty Thousand $)
52 North Saginaw
48342 Pontiac
Michigan (Oakland)
2,950,000 USD (Two Million Nine Hundred and Fifty Thousand $)
Cook Valley (Fifth Third Bank)
1049 East Paris
49501 Grand Rapids
Michigan (Kent)
2,374,000 USD (Two Million Three Hundred and Seventy-Four Thousand $)
1049 East Paris
49501 Grand Rapids
Michigan (Kent)
2,374,000 USD (Two Million Three Hundred and Seventy-Four Thousand $)
Isb - Detroit Branch (Fifth Third Bank)
8000 West Outer Drive
48235 Detroit
Michigan (Wayne)
2,657,000 USD (Two Million Six Hundred and Fifty-Seven Thousand $)
8000 West Outer Drive
48235 Detroit
Michigan (Wayne)
2,657,000 USD (Two Million Six Hundred and Fifty-Seven Thousand $)
North Monroe Bkg. Ctr. Branch (Fifth Third Bank)
2133 North Telegraph Road
48162 Monroe
Michigan (Monroe)
19,208,000 USD (Nineteen Million Two Hundred and Eight Thousand $)
2133 North Telegraph Road
48162 Monroe
Michigan (Monroe)
19,208,000 USD (Nineteen Million Two Hundred and Eight Thousand $)
Manistique Branch (North Country Bank and Trust)
130 South Cedar Street
49854 Manistique
Michigan (Schoolcraft)
156,265,000 USD (One Hundred and Fifty-Six Million Two Hundred and Sixty-Five Thousand $)
130 South Cedar Street
49854 Manistique
Michigan (Schoolcraft)
156,265,000 USD (One Hundred and Fifty-Six Million Two Hundred and Sixty-Five Thousand $)
Ypsilanti Branch (Bank of Ann Arbor)
7 West Michigan Avenue
48197 Ypsilanti
Michigan (Washtenaw)
32,676,000 USD (Thirty-Two Million Six Hundred and Seventy-Six Thousand $)
7 West Michigan Avenue
48197 Ypsilanti
Michigan (Washtenaw)
32,676,000 USD (Thirty-Two Million Six Hundred and Seventy-Six Thousand $)
Bloomfield Hills Branch (Fifth Third Bank)
39520 North Woodward
48301 Bloomfield Hills
Michigan (Oakland)
63,329,000 USD (Sixty-Three Million Three Hundred and Twenty-Nine Thousand $)
39520 North Woodward
48301 Bloomfield Hills
Michigan (Oakland)
63,329,000 USD (Sixty-Three Million Three Hundred and Twenty-Nine Thousand $)
Seaway Community Bank (Seaway Community Bank)
1960 Fred Moore Highway
48079 Saint Clair
Michigan (St. Clair)
47,214,000 USD (Fourty-Seven Million Two Hundred and Fourteen Thousand $)
1960 Fred Moore Highway
48079 Saint Clair
Michigan (St. Clair)
47,214,000 USD (Fourty-Seven Million Two Hundred and Fourteen Thousand $)
Bear Lake Branch (The Honor State Bank)
11926 Chippewa Highway
49614 Bear Lake
Michigan (Manistee)
11,846,000 USD (Eleven Million Eight Hundred and Fourty-Six Thousand $)
11926 Chippewa Highway
49614 Bear Lake
Michigan (Manistee)
11,846,000 USD (Eleven Million Eight Hundred and Fourty-Six Thousand $)
Hart Branch (The Shelby State Bank)
811 South State Street
49420 Hart
Michigan (Oceana)
24,103,000 USD (Twenty-Four Million One Hundred and Three Thousand $)
811 South State Street
49420 Hart
Michigan (Oceana)
24,103,000 USD (Twenty-Four Million One Hundred and Three Thousand $)
Gogebic Range Bank (Gogebic Range Bank)
300 South Sophie Street
49911 Bessemer
Michigan (Gogebic)
13,064,000 USD (Thirteen Million Sixty-Four Thousand $)
300 South Sophie Street
49911 Bessemer
Michigan (Gogebic)
13,064,000 USD (Thirteen Million Sixty-Four Thousand $)
Southfield / Kroger (Charter One Bank, National Association)
19855 West 12 Mile Road
48076 Southfield
Michigan (Oakland)
16,228,000 USD (Sixteen Million Two Hundred and Twenty-Eight Thousand $)
19855 West 12 Mile Road
48076 Southfield
Michigan (Oakland)
16,228,000 USD (Sixteen Million Two Hundred and Twenty-Eight Thousand $)
Plymouth Road Branch (Bank of Ann Arbor)
2649 Plymouth Road
48105 Ann Arbor
Michigan (Washtenaw)
11,260,000 USD (Eleven Million Two Hundred and Sixty Thousand $)
2649 Plymouth Road
48105 Ann Arbor
Michigan (Washtenaw)
11,260,000 USD (Eleven Million Two Hundred and Sixty Thousand $)
Sterling Ponds Shopping Center Branch (Standard Federal Bank National Association)
33425 Van Dyke
48312 Sterling Heights
Michigan (Macomb)
43,993,000 USD (Fourty-Three Million Nine Hundred and Ninety-Three Thousand $)
33425 Van Dyke
48312 Sterling Heights
Michigan (Macomb)
43,993,000 USD (Fourty-Three Million Nine Hundred and Ninety-Three Thousand $)
South Monroe Branch (Fifth Third Bank)
25 South Monroe Street
48161 Monroe
Michigan (Monroe)
47,376,000 USD (Fourty-Seven Million Three Hundred and Seventy-Six Thousand $)
25 South Monroe Street
48161 Monroe
Michigan (Monroe)
47,376,000 USD (Fourty-Seven Million Three Hundred and Seventy-Six Thousand $)
Commerce Township Branch (Republic Bank)
485 Haggerty Road
48390 Commerce Townshi
Michigan (Oakland)
12,805,000 USD (Twelve Million Eight Hundred and Five Thousand $)
485 Haggerty Road
48390 Commerce Townshi
Michigan (Oakland)
12,805,000 USD (Twelve Million Eight Hundred and Five Thousand $)
Kaleva Branch (North Country Bank and Trust)
4429 Wuoski Avenue
49645 Kaleva
Michigan (Manistee)
11,831,000 USD (Eleven Million Eight Hundred and Thirty-One Thousand $)
4429 Wuoski Avenue
49645 Kaleva
Michigan (Manistee)
11,831,000 USD (Eleven Million Eight Hundred and Thirty-One Thousand $)
Highland-Crescent Lake Branch (Comerica Bank)
5111 Highland Road
48327 Waterford
Michigan (Oakland)
4,872,000 USD (Four Million Eight Hundred and Seventy-Two Thousand $)
5111 Highland Road
48327 Waterford
Michigan (Oakland)
4,872,000 USD (Four Million Eight Hundred and Seventy-Two Thousand $)
North Country Drive Branch (North Country Bank and Trust)
3530 North Country Drive
49684 Traverse City
Michigan (Grand Traverse)
9,836,000 USD (Nine Million Eight Hundred and Thirty-Six Thousand $)
3530 North Country Drive
49684 Traverse City
Michigan (Grand Traverse)
9,836,000 USD (Nine Million Eight Hundred and Thirty-Six Thousand $)
Garfield Avenue Branch (Traverse City State Bank)
1239 South Garfield Avenue
49686 Traverse City
Michigan (Grand Traverse)
6,898,000 USD (Six Million Eight Hundred and Ninety-Eight Thousand $)
1239 South Garfield Avenue
49686 Traverse City
Michigan (Grand Traverse)
6,898,000 USD (Six Million Eight Hundred and Ninety-Eight Thousand $)
Washington Branch (Citizens Bank)
1451 High Street, Suite 101
63090 Washington
Missouri (Franklin)
19,458,000 USD (Nineteen Million Four Hundred and Fifty-Eight Thousand $)
1451 High Street, Suite 101
63090 Washington
Missouri (Franklin)
19,458,000 USD (Nineteen Million Four Hundred and Fifty-Eight Thousand $)
Foothill Ranch Branch (Bank of the West)
26696 Portola Parkway, Unit
92610 Foothill Ranch
California (Orange)
7,338,000 USD (Seven Million Three Hundred and Thirty-Eight Thousand $)
26696 Portola Parkway, Unit
92610 Foothill Ranch
California (Orange)
7,338,000 USD (Seven Million Three Hundred and Thirty-Eight Thousand $)
Selma Branch (Valley Independent Bank)
2025 High Street
93662 Selma
California (Fresno)
3,120,000 USD (Three Million One Hundred and Twenty Thousand $)
2025 High Street
93662 Selma
California (Fresno)
3,120,000 USD (Three Million One Hundred and Twenty Thousand $)
Brea Branch (1st Centennial Bank)
10 Pointe Drive, Suite 100
92821 Brea
California (Orange)
33,420,000 USD (Thirty-Three Million Four Hundred and Twenty Thousand $)
10 Pointe Drive, Suite 100
92821 Brea
California (Orange)
33,420,000 USD (Thirty-Three Million Four Hundred and Twenty Thousand $)
Turlock Branch (Finance and Thrift Company)
151 N. Thor
95380 Turlock
California (Stanislaus)
1,983,000 USD (One Million Nine Hundred and Eigthy-Three Thousand $)
151 N. Thor
95380 Turlock
California (Stanislaus)
1,983,000 USD (One Million Nine Hundred and Eigthy-Three Thousand $)
Wal-Mart Branch (Arkansas State Bank)
2901 Highway 412 East
72761 Siloam Springs
Arkansas (Benton)
760,000 USD (Seven Hundred and Sixty Thousand $)
2901 Highway 412 East
72761 Siloam Springs
Arkansas (Benton)
760,000 USD (Seven Hundred and Sixty Thousand $)
Mars Hill Branch (Wachovia Bank, National Association)
1795 Mars Hills Road, N.W.
30101 Acworth
Georgia (Cobb)
15,182,000 USD (Fifteen Million One Hundred and Eigthy-Two Thousand $)
1795 Mars Hills Road, N.W.
30101 Acworth
Georgia (Cobb)
15,182,000 USD (Fifteen Million One Hundred and Eigthy-Two Thousand $)
Lawrence Branch (The Yardville National Bank)
1575 Brunswick Avenue
08648 Lawrenceville
New Jersey (Mercer)
39,192,000 USD (Thirty-Nine Million One Hundred and Ninety-Two Thousand $)
1575 Brunswick Avenue
08648 Lawrenceville
New Jersey (Mercer)
39,192,000 USD (Thirty-Nine Million One Hundred and Ninety-Two Thousand $)
San Jose Branch (CNB National Bank)
10304 San Jose Boulevard
32257 Jacksonville
Florida (Duval)
16,199,000 USD (Sixteen Million One Hundred and Ninety-Nine Thousand $)
10304 San Jose Boulevard
32257 Jacksonville
Florida (Duval)
16,199,000 USD (Sixteen Million One Hundred and Ninety-Nine Thousand $)
Indian Hills Branch (Planters Bank, Inc.)
3103 Canton Street
42240 Hopkinsville
Kentucky (Christian)
8,420,000 USD (Eight Million Four Hundred and Twenty Thousand $)
3103 Canton Street
42240 Hopkinsville
Kentucky (Christian)
8,420,000 USD (Eight Million Four Hundred and Twenty Thousand $)
Original information:
# FDIC Certificate Number: 8165
# FRB ID Number: 815147.00000000
# OTS Docket Number: 0.00000000
# Institution Name: HONOR STATE BANK
# Institution Name: The Honor State Bank
# FRB ID Number (Band Holding Company): 1881680.00000000
# Name of regulatory high hold (BHC): HONOR BANCORP, INC.
# Multi-Bank Holding Company flag: 0.00000000
# No Bank Holding Company flag: 0.00000000
# One Bank Holding Company flag: 1.00000000
# State Code(BHC): MI
# City (Bank Holding Company): HONOR
# Unit Bank flag: 0.00000000
# Primary Federal Regulator: FDIC
# Primary Insurance Fund: BIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 7.00000000
# Institution Class: NM
# Class Number: 21
# 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): Benzie
# County Number (Institution): 19.00000000
# State and County Number (Institution): 26019.00000000
# Institution Headquarters, City: Honor
# Institution Headquarters, City (USPS): Honor
# Address (Institution): P. O. Box 67
# Zip Code (Institution): 49640
# 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: 1.00000000
# Insured Savings Institution flag: 0.00000000
# 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: 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: 151736.00000000
# Deposits (Branch) (in thousand of dollars): 23032.00000000
# Total Assets: 186044.00000000
# 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: 3
# Domestic Institution flag: 1.00000000
# Office Number: 6
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 359385.00000000
# Name (Branch)): Traverse City Branch
# State Code (Branch): MI
# State Name (Branch): Michigan
# State Number (Branch): 26
# County Name (Branch): Grand Traverse
# Country Number (Branch): 55.00000000
# State and County Number (Branch): 26055
# City (Reported)(Branch): Traverse City
# City (USPS)(Branch): Traverse City
# Address(Branch): 3500 Marketplace Circle, Su
# Zip Code (Branch): 49684
# 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: 26055990700
# Core Based Statistical Area Name (Institution): Traverse City, MI
# Combined Statistical Areas (Institution): 0
# Core Based Statistical Areas (Institution): 45900
# Metropolitan Statistical Areas (Branch): 0
# Combined Statistical Areas (Branch): 0
# Core Based Statistical Areas (Branch): 45900
# Core Based Statistical Area Name (Branch): Traverse City, MI
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Micropolitan Divisions Flag (Branch): 1
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Micropolitan Divisions Flag (Institution): 1
# 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: 8165
# FRB ID Number: 815147.00000000
# OTS Docket Number: 0.00000000
# Institution Name: HONOR STATE BANK
# Institution Name: The Honor State Bank
# FRB ID Number (Band Holding Company): 1881680.00000000
# Name of regulatory high hold (BHC): HONOR BANCORP, INC.
# Multi-Bank Holding Company flag: 0.00000000
# No Bank Holding Company flag: 0.00000000
# One Bank Holding Company flag: 1.00000000
# State Code(BHC): MI
# City (Bank Holding Company): HONOR
# Unit Bank flag: 0.00000000
# Primary Federal Regulator: FDIC
# Primary Insurance Fund: BIF
# OAKAR flag: 0.00000000
# Charter Agent Code: STATE
# Charter Agent Name: State Agency
# FRB District Number: 7.00000000
# Institution Class: NM
# Class Number: 21
# 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): Benzie
# County Number (Institution): 19.00000000
# State and County Number (Institution): 26019.00000000
# Institution Headquarters, City: Honor
# Institution Headquarters, City (USPS): Honor
# Address (Institution): P. O. Box 67
# Zip Code (Institution): 49640
# 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: 1.00000000
# Insured Savings Institution flag: 0.00000000
# 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: 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: 151736.00000000
# Deposits (Branch) (in thousand of dollars): 23032.00000000
# Total Assets: 186044.00000000
# 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: 3
# Domestic Institution flag: 1.00000000
# Office Number: 6
# Office Type: OO
# Main Office Designation flag: 0.00000000
# Branch Designation flag: 1.00000000
# Unique Identification Number (Branch): 359385.00000000
# Name (Branch)): Traverse City Branch
# State Code (Branch): MI
# State Name (Branch): Michigan
# State Number (Branch): 26
# County Name (Branch): Grand Traverse
# Country Number (Branch): 55.00000000
# State and County Number (Branch): 26055
# City (Reported)(Branch): Traverse City
# City (USPS)(Branch): Traverse City
# Address(Branch): 3500 Marketplace Circle, Su
# Zip Code (Branch): 49684
# 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: 26055990700
# Core Based Statistical Area Name (Institution): Traverse City, MI
# Combined Statistical Areas (Institution): 0
# Core Based Statistical Areas (Institution): 45900
# Metropolitan Statistical Areas (Branch): 0
# Combined Statistical Areas (Branch): 0
# Core Based Statistical Areas (Branch): 45900
# Core Based Statistical Area Name (Branch): Traverse City, MI
# Metropolitan Divisions Flag (Branch): 0
# Metropolitan Divisions Flag (Branch): 0
# Micropolitan Divisions Flag (Branch): 1
# Metropolitan Statistical Areas (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Metropolitan Divisions Flag (Institution): 0
# Micropolitan Divisions Flag (Institution): 1
# 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