Call reports 2007
FIRST NIAGARA COMMERCIAL BANK — 2007
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 615,604,000 | 568,295,000 | 551,080,000 | 599,138,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 232,091,000 | 286,819,000 | 289,519,000 | 255,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,863,000 | 483,239,000 | 495,279,000 | 535,712,000 |
| Interest-bearing deposits | 534,611,000 | 468,986,000 | 482,378,000 | 524,351,000 |
| Noninterest-bearing deposits | 20,252,000 | 14,253,000 | 12,901,000 | 11,361,000 |
| Equity capital | 52,863,000 | 52,723,000 | 54,104,000 | 61,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,514,000 | 11,431,000 | 16,514,000 | 22,834,000 |
| Interest expense | 5,233,000 | 11,049,000 | 16,267,000 | 22,425,000 |
| Net interest income | 281,000 | 382,000 | 247,000 | 409,000 |
| Noninterest income | 0 | 3,000 | 3,000 | 4,000 |
| Noninterest expense | 271,000 | 661,000 | 1,016,000 | 1,431,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | -276,000 | -766,000 | -1,018,000 |
| Income tax | -404,000 | -959,000 | -1,825,000 | -2,621,000 |
| Net income | 414,000 | 683,000 | 1,059,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,313,000 | 30,619,000 | 31,113,000 | 37,634,000 |
| Total capital | 30,313,000 | 30,619,000 | 31,113,000 | 37,634,000 |
| Risk-weighted assets | 127,655,000 | 120,993,000 | 120,429,000 | 130,751,000 |
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