Call reports 2002
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2002
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 1,940,867,000 | 1,965,180,000 | 1,998,817,000 |
| Total loans | 1,312,001,000 | 1,354,682,000 | 1,394,854,000 |
| Allowance for loan losses | 12,332,000 | 12,841,000 | 13,365,000 |
| Securities available for sale | 428,430,000 | 414,928,000 | 324,345,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 1,438,593,000 | 1,459,813,000 | 1,482,665,000 |
| Interest-bearing deposits | 1,361,168,000 | 1,365,751,000 | 1,378,591,000 |
| Noninterest-bearing deposits | 77,425,000 | 94,062,000 | 104,074,000 |
| Equity capital | 141,052,000 | 145,865,000 | 149,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 29,602,000 | 59,388,000 | 88,955,000 |
| Interest expense | 14,406,000 | 28,540,000 | 42,167,000 |
| Net interest income | 15,196,000 | 30,848,000 | 46,788,000 |
| Noninterest income | 10,254,000 | 21,741,000 | 32,787,000 |
| Noninterest expense | 16,371,000 | 32,245,000 | 49,377,000 |
| Provision for loan losses | 1,101,000 | 2,202,000 | 3,202,000 |
| Pretax income | 8,270,000 | 18,458,000 | 26,354,000 |
| Income tax | 2,914,000 | 8,111,000 | 10,900,000 |
| Net income | 5,356,000 | 10,347,000 | 15,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 117,072,000 | 120,232,000 | 123,710,000 |
| Total capital | 129,404,000 | 133,073,000 | 137,075,000 |
| Risk-weighted assets | 1,250,561,000 | 1,303,665,000 | 1,285,422,000 |