Call reports 2009
FIRST NIAGARA COMMERCIAL BANK — 2009
What FIRST NIAGARA COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 898,488,000 | 876,331,000 | 1,060,761,000 | 1,030,969,000 |
| Total loans | 0 | 0 | 249,000 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 112,665,000 | 95,915,000 | 109,731,000 | 94,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 804,001,000 | 769,297,000 | 952,641,000 | 932,041,000 |
| Interest-bearing deposits | 779,840,000 | 755,500,000 | 915,577,000 | 898,166,000 |
| Noninterest-bearing deposits | 24,161,000 | 13,797,000 | 37,064,000 | 33,875,000 |
| Equity capital | 72,061,000 | 72,901,000 | 79,948,000 | 80,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,300,000 | 8,064,000 | 11,690,000 | 15,070,000 |
| Interest expense | 1,675,000 | 3,191,000 | 4,586,000 | 6,072,000 |
| Net interest income | 2,625,000 | 4,873,000 | 7,104,000 | 8,998,000 |
| Noninterest income | 0 | 0 | 10,000 | 48,000 |
| Noninterest expense | 669,000 | 1,750,000 | 2,774,000 | 3,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,956,000 | 3,123,000 | 4,340,000 | 5,113,000 |
| Income tax | 428,000 | 585,000 | 794,000 | 846,000 |
| Net income | 1,528,000 | 2,538,000 | 3,546,000 | 4,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,549,000 | 48,588,000 | 55,626,000 | 56,376,000 |
| Total capital | 47,549,000 | 48,588,000 | 55,626,000 | 56,376,000 |
| Risk-weighted assets | 181,371,000 | 176,327,000 | 212,190,000 | 204,056,000 |
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