Call reports 2012
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2012
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,460,574,000 | 35,061,987,000 | 35,932,302,000 | 36,871,280,000 |
| Total loans | 16,893,452,000 | 18,865,963,000 | 19,224,767,000 | 19,865,384,000 |
| Allowance for loan losses | 126,746,000 | 138,516,000 | 149,933,000 | 162,522,000 |
| Securities available for sale | 12,243,497,000 | 9,934,067,000 | 10,577,072,000 | 10,990,904,000 |
| Securities held to maturity | 2,503,156,000 | 1,463,872,000 | 1,387,763,000 | 1,299,806,000 |
| Trading assets | 62,588,000 | 101,101,000 | 129,540,000 | 110,923,000 |
| Total deposits | 19,167,995,000 | 28,070,867,000 | 28,274,198,000 | 28,267,745,000 |
| Interest-bearing deposits | 18,595,143,000 | 27,118,040,000 | 27,613,303,000 | 27,388,749,000 |
| Noninterest-bearing deposits | 572,852,000 | 952,827,000 | 660,895,000 | 878,996,000 |
| Equity capital | 4,961,963,000 | 4,949,048,000 | 5,154,151,000 | 5,165,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 291,393,000 | 591,930,000 | 894,768,000 | 1,179,157,000 |
| Interest expense | 40,648,000 | 70,352,000 | 91,890,000 | 111,615,000 |
| Net interest income | 250,745,000 | 521,578,000 | 802,878,000 | 1,067,542,000 |
| Noninterest income | 70,152,000 | 148,712,000 | 251,625,000 | 343,549,000 |
| Noninterest expense | 197,767,000 | 537,248,000 | 801,523,000 | 1,035,970,000 |
| Provision for loan losses | 19,900,000 | 47,703,000 | 69,503,000 | 91,028,000 |
| Pretax income | 104,403,000 | 102,461,000 | 201,876,000 | 303,754,000 |
| Income tax | 36,504,000 | 34,107,000 | 64,382,000 | 93,166,000 |
| Net income | 67,905,000 | 68,365,000 | 137,510,000 | 210,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,036,205,000 | 2,232,658,000 | 2,403,303,000 | 2,442,409,000 |
| Total capital | 3,234,815,000 | 2,447,235,000 | 2,564,834,000 | 2,617,004,000 |
| Risk-weighted assets | 20,546,897,000 | 22,686,204,000 | 23,390,345,000 | 24,378,554,000 |