Call reports 2003
FIRST NIAGARA COMMERCIAL BANK — 2003
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,335,000 | 145,989,000 | 184,357,000 | 159,313,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 137,788,000 | 142,743,000 | 172,388,000 | 156,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,387,000 | 127,279,000 | 163,464,000 | 141,842,000 |
| Interest-bearing deposits | 107,194,000 | 115,198,000 | 149,412,000 | 127,566,000 |
| Noninterest-bearing deposits | 15,193,000 | 12,081,000 | 14,052,000 | 14,276,000 |
| Equity capital | 11,326,000 | 12,163,000 | 11,530,000 | 11,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,343,000 | 2,062,000 | 2,803,000 |
| Interest expense | 434,000 | 867,000 | 1,320,000 | 1,747,000 |
| Net interest income | 235,000 | 476,000 | 742,000 | 1,056,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 67,000 | 139,000 | 207,000 | 277,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 168,000 | 337,000 | 535,000 | 779,000 |
| Income tax | -127,000 | -259,000 | -393,000 | -510,000 |
| Net income | 295,000 | 596,000 | 928,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,723,000 | 11,473,000 | 10,805,000 | 10,841,000 |
| Total capital | 10,729,000 | 11,481,000 | 10,811,000 | 10,843,000 |
| Risk-weighted assets | 29,581,000 | 30,823,000 | 38,642,000 | 33,448,000 |
Machine access — free, no API key
Every figure shown here about FIRST NIAGARA COMMERCIAL BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.