Call reports 2004
FIRST NIAGARA COMMERCIAL BANK — 2004
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 207,429,000 | 186,109,000 | 179,057,000 | 195,423,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 187,442,000 | 170,283,000 | 163,020,000 | 179,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,745,000 | 148,064,000 | 145,213,000 | 159,674,000 |
| Interest-bearing deposits | 155,640,000 | 143,213,000 | 138,333,000 | 153,614,000 |
| Noninterest-bearing deposits | 5,105,000 | 4,851,000 | 6,880,000 | 6,060,000 |
| Equity capital | 24,647,000 | 24,212,000 | 24,707,000 | 24,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 1,165,000 | 1,825,000 | 2,467,000 |
| Interest expense | 389,000 | 858,000 | 1,352,000 | 2,029,000 |
| Net interest income | 89,000 | 307,000 | 473,000 | 438,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 179,000 | 394,000 | 610,000 | 827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -90,000 | -92,000 | -142,000 | -394,000 |
| Income tax | -203,000 | -439,000 | -674,000 | -948,000 |
| Net income | 113,000 | 347,000 | 532,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,267,000 | 11,585,000 | 11,859,000 | 11,968,000 |
| Total capital | 11,270,000 | 11,585,000 | 11,859,000 | 11,968,000 |
| Risk-weighted assets | 47,986,000 | 44,955,000 | 43,527,000 | 45,970,000 |