Vitals
  • Total Assets
    1.3B 39.9 %
  • Total Deposits
    1.2B 43.7 %
  • Total Net Loans
  • Net Income
    686000.0000 -55.1 %
  • Book Value
    81.0M 12.4 %
  • Book Value x2
    162.0M 12.4 %
  • Book Value x3
    243.0M 12.4 %
ROAA

.239

ROAE

3.396

Efficiency Ratio

47.853

Net Interest Margin

.726

Balance Sheet Highlights
Financial Highlights First Niagara Commercial Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 1,257,337 804,907
Total Net Loans — 1,390,918
Total Deposits 1,155,532 626,491
Total Equity 80,997 87,622
Profitability
Net Income 686 1,218
Return on Average Assets .239 .557
Return on Average Equity 3.396 5.628
Net Interest Margin .726 3.479
Efficiency Ratio 47.853 70.773
Noninterest Income/Revenue .953 79.452
Balance Sheet Ratios
Loan-to-Deposit — 73.856
Securities/Assets .07 1.106
Total Equity/Total Assets .064 .109
Tangible Equity/Tangible Assets .046 -.309
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 57,092 76,892
Tier 2 Capital — 115,630
Total Capital 57,092 85,115
Total Risk Weighted Assets 249,355 519,743
Leverage Ratio 5.08 10.199
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 22.9 18.082
Total Capital Ratio 22.9 19.271

Timeline for First Niagara Commercial Bank

First Niagara Bank, National Association

First Niagara Commercial Bank was acquired by First Niagara Bank, National Association 14 years

View Profile Apr 10 2010

Hudson River Commercial Bank

Acquisition: First Niagara Commercial Bank acquired a new subsidiary, Hudson River Commercial Bank, 19 years

View Profile Jan 15 2005

First Niagara Bank, National Association

First Niagara Bank, National Association became a new parent organization for First Niagara Commercial Bank.

View Profile Jan 17 2004

First Niagara Commercial Bank

First Niagara Commercial Bank was established 23 years ago and is currently headquartered in Lockport, NY.

Aug 03 2000

Troy Financial Corporation

Troy Financial Corporation became a new parent organization for First Niagara Commercial Bank.

View Profile Aug 03 2000
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Niagara Bank, National Association Buyer 32,925,808 Discontinued 4/10/2010
Hudson River Commercial Bank Seller 36,994 Acquisition Discontinued 1/15/2005
Relationships Role Relationship Start Relationship End
First Niagara Bank, National Association Parent 1/17/2004 4/9/2010
Troy Financial Corporation Parent 8/3/2000 1/16/2004
Similar Organizations
Organization City State Total Assets
Glenview State Bank
 		Glenview IL 1.3B
D. L. Evans Bank
 		Burley ID 1.3B
Blackhawk Bank & Trust
 		Milan IL 1.3B
Reliance Bank
 		Des Peres MO 1.3B
Mahopac Bank
 		Mahopac NY 1.3B
First Community Financial Bank
 		Plainfield IL 1.2B
Community Bank Of The Chesapeake
 		Waldorf MD 1.3B
Starion Bank
 		Bismarck ND 1.2B
Southern First Bank
 		Greenville SC 1.3B
United Bank
 		Zebulon GA 1.2B