Call reports 2005
FIRST NIAGARA COMMERCIAL BANK — 2005
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 273,778,000 | 270,607,000 | 292,507,000 | 355,919,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 234,565,000 | 240,624,000 | 254,124,000 | 314,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,931,000 | 210,323,000 | 251,666,000 | 308,376,000 |
| Interest-bearing deposits | 218,464,000 | 203,389,000 | 240,909,000 | 295,215,000 |
| Noninterest-bearing deposits | 12,467,000 | 6,934,000 | 10,757,000 | 13,161,000 |
| Equity capital | 39,155,000 | 39,649,000 | 39,518,000 | 39,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,438,000 | 3,932,000 | 6,251,000 |
| Interest expense | 1,005,000 | 2,407,000 | 4,007,000 | 6,643,000 |
| Net interest income | 86,000 | 31,000 | -75,000 | -392,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 214,000 | 456,000 | 701,000 | 999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -128,000 | -424,000 | -777,000 | -1,393,000 |
| Income tax | -278,000 | -689,000 | -1,148,000 | -1,801,000 |
| Net income | 150,000 | 265,000 | 371,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,608,000 | 16,746,000 | 16,924,000 | 17,031,000 |
| Total capital | 16,608,000 | 16,748,000 | 16,924,000 | 17,031,000 |
| Risk-weighted assets | 59,279,000 | 58,468,000 | 63,153,000 | 75,219,000 |
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