Call reports 2001
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2001
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 1,754,793,000 | 1,769,670,000 | 1,872,740,000 | 1,984,846,000 |
| Total loans | 1,195,124,000 | 1,224,459,000 | 1,257,825,000 | 1,272,614,000 |
| Allowance for loan losses | 11,916,000 | 12,203,000 | 12,118,000 | 12,097,000 |
| Securities available for sale | 357,367,000 | 373,930,000 | 399,997,000 | 550,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,273,450,000 | 1,299,480,000 | 1,355,692,000 | 1,348,398,000 |
| Interest-bearing deposits | 1,218,666,000 | 1,236,121,000 | 1,281,551,000 | 1,271,545,000 |
| Noninterest-bearing deposits | 54,784,000 | 63,359,000 | 74,141,000 | 76,853,000 |
| Equity capital | 124,396,000 | 128,536,000 | 135,712,000 | 139,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 30,248,000 | 60,274,000 | 90,908,000 | 121,346,000 |
| Interest expense | 17,979,000 | 35,550,000 | 52,926,000 | 68,965,000 |
| Net interest income | 12,269,000 | 24,724,000 | 37,982,000 | 52,381,000 |
| Noninterest income | 9,250,000 | 18,793,000 | 29,222,000 | 39,176,000 |
| Noninterest expense | 15,103,000 | 30,514,000 | 45,396,000 | 62,225,000 |
| Provision for loan losses | 642,000 | 1,105,000 | 1,817,000 | 2,290,000 |
| Pretax income | 5,771,000 | 11,586,000 | 19,762,000 | 26,827,000 |
| Income tax | 2,033,000 | 4,048,000 | 7,079,000 | 9,531,000 |
| Net income | 3,738,000 | 7,538,000 | 12,683,000 | 17,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,117,000 | 103,052,000 | 107,143,000 | 113,938,000 |
| Total capital | 110,033,000 | 115,642,000 | 119,261,000 | 126,035,000 |
| Risk-weighted assets | 1,074,712,000 | 1,130,032,000 | 1,181,841,000 | 1,205,743,000 |