FINANCIAL INSTITUTIONS INC
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Financial Institutions, Inc., a bank holding company, provides consumer, commercial, and agricultural banking services in Western and Central New York State. The company, through four banking subsidiaries, engages in generating deposits and originating loans. Its deposit products include savings accounts, checking accounts, money market accounts, club accounts, transaction accounts, and certificates of deposit accounts, as well as individual retirement accounts. The company's loan portfolio comprises commercial and agricultural working capital, revolving lines of credit, commercial and agricultural mortgages, equipment loans, crop and livestock loans, residential mortgage loans and home equity lines of credit, home improvement loans, student loans, automobile loans, and personal loans. It invests in the U.S. treasury securities, the U.S. government agency and government sponsored agency securities, mortgage-backed securities, equity securities, and corporate bonds. As of December 31, 2004, the company operated 50 branches and 72 automated teller machines in 15 counties of western and central New York State. Financial Institutions, Inc. was founded in 1931 and is headquartered in Warsaw, New York.