Call reports 2016
FIRST NIAGARA BANK, NATIONAL ASSOCIATION — 2016
What FIRST NIAGARA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 40,012,233,000 | 39,931,357,000 | 32,925,808,000 |
| Total loans | 24,205,866,000 | 24,385,824,000 | 22,995,405,000 |
| Allowance for loan losses | 252,800,000 | 252,843,000 | 14,833,000 |
| Securities available for sale | 5,438,763,000 | 5,517,570,000 | 4,436,610,000 |
| Securities held to maturity | 6,720,817,000 | 6,315,222,000 | 1,105,504,000 |
| Trading assets | 221,374,000 | 269,713,000 | 242,489,000 |
| Total deposits | 30,056,639,000 | 29,450,848,000 | 27,347,485,000 |
| Interest-bearing deposits | 24,200,865,000 | 23,526,860,000 | 21,479,512,000 |
| Noninterest-bearing deposits | 5,855,774,000 | 5,923,988,000 | 5,867,973,000 |
| Equity capital | 4,427,771,000 | 4,480,910,000 | 4,431,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 310,327,000 | 618,346,000 | 186,652,000 |
| Interest expense | 29,302,000 | 61,378,000 | 11,040,000 |
| Net interest income | 281,025,000 | 556,968,000 | 175,612,000 |
| Noninterest income | 75,517,000 | 156,320,000 | 49,038,000 |
| Noninterest expense | 248,001,000 | 493,667,000 | 212,712,000 |
| Provision for loan losses | 22,519,000 | 34,887,000 | 17,261,000 |
| Pretax income | 89,458,000 | 176,185,000 | -10,981,000 |
| Income tax | 28,035,000 | 52,049,000 | -7,604,000 |
| Net income | 61,416,000 | 124,122,000 | -3,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 3,085,416,000 | 3,105,545,000 | 2,845,328,000 |
| Total capital | 3,354,216,000 | 3,373,888,000 | 2,884,502,000 |
| Risk-weighted assets | 28,741,891,000 | 28,591,433,000 | 25,606,791,000 |