Call reports 2015
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2015
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,850,083,000 | 39,006,753,000 | 39,357,642,000 | 39,860,456,000 |
| Total loans | 23,167,833,000 | 23,428,985,000 | 23,718,002,000 | 24,084,757,000 |
| Allowance for loan losses | 231,138,000 | 235,600,000 | 238,700,000 | 242,036,000 |
| Securities available for sale | 5,910,962,000 | 5,750,404,000 | 5,725,151,000 | 5,470,834,000 |
| Securities held to maturity | 6,214,561,000 | 6,169,838,000 | 6,280,049,000 | 6,387,689,000 |
| Trading assets | 141,547,000 | 95,160,000 | 165,375,000 | 125,551,000 |
| Total deposits | 28,761,220,000 | 28,960,075,000 | 29,352,483,000 | 29,212,523,000 |
| Interest-bearing deposits | 23,122,184,000 | 23,269,898,000 | 23,378,890,000 | 23,248,198,000 |
| Noninterest-bearing deposits | 5,639,036,000 | 5,690,177,000 | 5,973,593,000 | 5,964,325,000 |
| Equity capital | 4,401,299,000 | 4,398,682,000 | 4,415,954,000 | 4,398,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 298,055,000 | 597,758,000 | 898,677,000 | 1,204,225,000 |
| Interest expense | 21,903,000 | 45,229,000 | 69,203,000 | 94,562,000 |
| Net interest income | 276,152,000 | 552,529,000 | 829,474,000 | 1,109,663,000 |
| Noninterest income | 73,643,000 | 158,598,000 | 242,143,000 | 328,784,000 |
| Noninterest expense | 249,278,000 | 491,935,000 | 734,026,000 | 986,437,000 |
| Provision for loan losses | 14,165,000 | 34,621,000 | 53,889,000 | 76,289,000 |
| Pretax income | 88,430,000 | 188,800,000 | 288,903,000 | 383,887,000 |
| Income tax | 26,222,000 | 53,242,000 | 81,169,000 | 108,255,000 |
| Net income | 62,201,000 | 135,544,000 | 207,713,000 | 275,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,989,295,000 | 3,023,014,000 | 3,054,395,000 | 3,069,717,000 |
| Total capital | 3,235,157,000 | 3,273,614,000 | 3,308,595,000 | 3,327,753,000 |
| Risk-weighted assets | 28,067,510,000 | 28,358,326,000 | 28,632,407,000 | 28,813,066,000 |