Company Profile For First Niagara Financial Group Inc

First Niagara Financial Group, Inc. provides a range of retail and commercial banking, as well as other financial services through its wholly owned savings bank subsidiary, First Niagara Bank (the Bank). First Niagara is a community bank in Upstate New York, providing its retail consumers and business customers with banking services, including residential and commercial real estate loans, commercial business loans and leases, consumer loans, wealth management products, as well as retail and commercial deposit products. It also employee benefit consulting services through a wholly-owned subsidiary of the Company. On February 15, 2008, the Company acquired Great Lakes Bancorp, Inc., the parent company of Greater Buffalo Savings Bank.

BRIEF: For the nine months ended 30 September 2009, First Niagara Financial Group, Inc.'s interest income increased 4% to $345.4M. Net interest income after provision for LLP increased 20% to $218.8M. Net income applic. to common decreased 41% to $38.4M. Net interest income reflects an increase in interest earning assets, also reflect lower interest expenses. Net income was offset by an increase in salaries & benefits.