Call reports 2006
FIRST NIAGARA COMMERCIAL BANK — 2006
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 445,148,000 | 400,152,000 | 405,110,000 | 504,142,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 295,450,000 | 259,463,000 | 236,983,000 | 190,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,187,000 | 353,909,000 | 351,384,000 | 456,569,000 |
| Interest-bearing deposits | 379,722,000 | 341,146,000 | 319,110,000 | 444,036,000 |
| Noninterest-bearing deposits | 19,465,000 | 12,763,000 | 32,274,000 | 12,533,000 |
| Equity capital | 45,226,000 | 45,178,000 | 46,038,000 | 46,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,770,000 | 6,316,000 | 9,810,000 | 14,938,000 |
| Interest expense | 3,046,000 | 6,916,000 | 10,740,000 | 15,896,000 |
| Net interest income | -276,000 | -600,000 | -930,000 | -958,000 |
| Noninterest income | 1,000 | 1,000 | 1,000 | 2,000 |
| Noninterest expense | 266,000 | 564,000 | 813,000 | 1,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -541,000 | -1,163,000 | -1,742,000 | -2,063,000 |
| Income tax | -821,000 | -1,505,000 | -2,202,000 | -2,657,000 |
| Net income | 280,000 | 342,000 | 460,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,370,000 | 23,482,000 | 23,661,000 | 23,852,000 |
| Total capital | 23,370,000 | 23,482,000 | 23,661,000 | 23,852,000 |
| Risk-weighted assets | 95,076,000 | 85,484,000 | 86,240,000 | 103,323,000 |
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