Call reports 2010
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2010
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|
| Total assets | 20,470,221,000 | 20,824,926,000 | 21,029,999,000 |
| Total loans | 10,041,093,000 | 10,123,588,000 | 10,521,402,000 |
| Allowance for loan losses | 90,409,000 | 94,532,000 | 95,354,000 |
| Securities available for sale | 7,121,699,000 | 7,332,851,000 | 7,281,926,000 |
| Securities held to maturity | 1,038,866,000 | 1,125,184,000 | 1,025,724,000 |
| Trading assets | 25,357,000 | 31,000,000 | 24,378,000 |
| Total deposits | 13,881,029,000 | 13,540,351,000 | 13,242,157,000 |
| Interest-bearing deposits | 13,307,633,000 | 12,846,937,000 | 12,579,970,000 |
| Noninterest-bearing deposits | 573,396,000 | 693,414,000 | 662,187,000 |
| Equity capital | 2,520,213,000 | 2,584,266,000 | 2,516,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|
| Interest income | 342,179,000 | 544,562,000 | 751,380,000 |
| Interest expense | 59,955,000 | 93,725,000 | 125,922,000 |
| Net interest income | 282,224,000 | 450,837,000 | 625,458,000 |
| Noninterest income | 79,356,000 | 126,392,000 | 177,478,000 |
| Noninterest expense | 246,608,000 | 376,630,000 | 513,064,000 |
| Provision for loan losses | 24,131,000 | 35,131,000 | 48,631,000 |
| Pretax income | 90,910,000 | 165,551,000 | 240,811,000 |
| Income tax | 33,476,000 | 57,736,000 | 82,411,000 |
| Net income | 57,441,000 | 107,828,000 | 158,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|
| Tier 1 capital | 1,282,474,000 | 1,333,036,000 | 1,305,612,000 |
| Total capital | 1,373,037,000 | 1,427,767,000 | 1,400,993,000 |
| Risk-weighted assets | 11,069,228,000 | 11,220,701,000 | 11,808,579,000 |