Call reports 2001
FIRST NIAGARA COMMERCIAL BANK — 2001
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,744,000 | 26,471,000 | 31,137,000 | 32,228,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 19,085,000 | 22,429,000 | 20,528,000 | 28,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,376,000 | 15,943,000 | 20,461,000 | 21,552,000 |
| Interest-bearing deposits | 10,252,000 | 12,249,000 | 15,766,000 | 18,549,000 |
| Noninterest-bearing deposits | 3,124,000 | 3,694,000 | 4,695,000 | 3,003,000 |
| Equity capital | 10,299,000 | 10,425,000 | 10,557,000 | 10,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 470,000 | 726,000 | 958,000 |
| Interest expense | 91,000 | 178,000 | 292,000 | 374,000 |
| Net interest income | 144,000 | 292,000 | 434,000 | 584,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 66,000 | 121,000 | 164,000 | 226,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 172,000 | 273,000 | 361,000 |
| Income tax | -28,000 | -61,000 | -91,000 | -126,000 |
| Net income | 107,000 | 233,000 | 364,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,207,000 | 10,333,000 | 10,464,000 | 10,585,000 |
| Total capital | 10,207,000 | 10,333,000 | 10,464,000 | 10,585,000 |
| Risk-weighted assets | 4,973,000 | 5,618,000 | 6,557,000 | 6,839,000 |