Call reports 2013
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2013
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,850,742,000 | 37,101,238,000 | 37,314,587,000 | 37,576,781,000 |
| Total loans | 20,162,194,000 | 20,661,826,000 | 21,170,117,000 | 21,490,772,000 |
| Allowance for loan losses | 172,002,000 | 183,708,000 | 197,953,000 | 209,274,000 |
| Securities available for sale | 7,873,809,000 | 7,914,226,000 | 7,606,079,000 | 7,419,787,000 |
| Securities held to maturity | 4,218,687,000 | 3,856,960,000 | 3,841,700,000 | 4,042,481,000 |
| Trading assets | 97,478,000 | 54,486,000 | 52,546,000 | 51,476,000 |
| Total deposits | 28,240,551,000 | 27,668,550,000 | 27,526,707,000 | 27,167,115,000 |
| Interest-bearing deposits | 27,606,909,000 | 27,035,330,000 | 26,798,146,000 | 26,439,026,000 |
| Noninterest-bearing deposits | 633,642,000 | 633,220,000 | 728,561,000 | 728,089,000 |
| Equity capital | 5,209,588,000 | 5,157,436,000 | 5,187,288,000 | 5,237,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 296,451,000 | 595,512,000 | 903,297,000 | 1,214,087,000 |
| Interest expense | 17,936,000 | 35,092,000 | 52,785,000 | 70,801,000 |
| Net interest income | 278,515,000 | 560,420,000 | 850,512,000 | 1,143,286,000 |
| Noninterest income | 94,549,000 | 185,681,000 | 276,351,000 | 367,140,000 |
| Noninterest expense | 235,727,000 | 466,262,000 | 694,377,000 | 918,458,000 |
| Provision for loan losses | 19,800,000 | 44,600,000 | 71,800,000 | 103,400,000 |
| Pretax income | 119,278,000 | 240,010,000 | 367,253,000 | 495,673,000 |
| Income tax | 37,643,000 | 78,600,000 | 115,375,000 | 154,296,000 |
| Net income | 81,640,000 | 161,421,000 | 251,895,000 | 341,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,530,352,000 | 2,571,797,000 | 2,624,475,000 | 2,675,152,000 |
| Total capital | 2,714,823,000 | 2,768,098,000 | 2,835,421,000 | 2,897,819,000 |
| Risk-weighted assets | 24,932,675,000 | 25,519,717,000 | 26,037,285,000 | 26,365,344,000 |