Call reports 2002
FIRST NIAGARA COMMERCIAL BANK — 2002
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,402,000 | 69,330,000 | 93,645,000 | 123,792,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 48,395,000 | 68,207,000 | 81,210,000 | 121,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,616,000 | 53,824,000 | 82,273,000 | 105,221,000 |
| Interest-bearing deposits | 34,399,000 | 50,432,000 | 76,430,000 | 97,376,000 |
| Noninterest-bearing deposits | 4,217,000 | 3,392,000 | 5,843,000 | 7,845,000 |
| Equity capital | 10,057,000 | 10,540,000 | 10,973,000 | 11,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 701,000 | 1,185,000 | 1,786,000 |
| Interest expense | 162,000 | 414,000 | 739,000 | 1,160,000 |
| Net interest income | 137,000 | 287,000 | 446,000 | 626,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 60,000 | 124,000 | 182,000 | 254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 163,000 | 264,000 | 375,000 |
| Income tax | -49,000 | -129,000 | -225,000 | -345,000 |
| Net income | 126,000 | 292,000 | 489,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,125,000 | 10,291,000 | 10,489,000 | 10,720,000 |
| Total capital | 10,125,000 | 10,291,000 | 10,489,000 | 10,724,000 |
| Risk-weighted assets | 10,568,000 | 14,814,000 | 19,755,000 | 25,861,000 |