[[ type === 'moc' ? 'MARKET ON CLOSE' : 'FREE WEBINAR' ]]

[[ timeLabel ]] WATCH LIVE:

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First Niagara Finl (FNFG)

[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]

[[ item.bidPrice ]] x [[ item.bidSize ]] [[ item.askPrice ]] x [[ item.askSize ]]

[[ session ]] by (Cboe BZX)

[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]

[[ item.bidPrice ]] x [[ item.bidSize ]] [[ item.askPrice ]] x [[ item.askSize ]]

[[ session ]] [[ item.lastPriceExt ]] [[ item.priceChangeExt ]] ([[ item.percentChangeExt ]]) [[ item.tradeTimeExt ]]

Income Statement for [[ item.sessionDateDisplayLong ]]

Fiscal Year End Date: 12/31

(Values in U.S. thousands)

	12-2005	12-2004	12-2003	12-2002	12-2001
Interest Income	375,217	224,578	169,959	167,637	178,368
Interest Expense	125,067	68,476	62,544	76,107	99,352
Interest Income (Net of Interest Expense)	250,150	156,102	107,415	91,530	79,016
Non-Interest Income	90,663	51,866	43,379	41,787	34,625
Sales	340,813	207,968	150,794	133,317	113,641
Credit Losses Provision	7,348	8,442	7,929	6,824	4,160
Non Interest Expenses	188,206	120,850	88,277	77,331	75,889
Pre-tax Income	145,259	78,676	54,588	49,162	33,592
Income Tax	52,400	26,859	18,646	18,752	12,427
Net Income Discontinuous	N/A	N/A	164	385	55
Other Income	270,326	147,152	117,132	125,269	132,944
Net Income	$92,859	$51,817	$36,106	$30,795	$21,220
EPS Basic Continuous Ops	0.85	0.66	0.54	0.47	0.33
EPS Basic Discontinuous Ops	N/A	N/A	0.00	0.01	0.00
EPS Basic Total Ops	0.85	0.66	0.55	0.48	0.33
EPS Diluted Continuous Ops	0.84	0.65	0.53	0.46	0.33
EPS Diluted Discontinuous Ops	N/A	N/A	0.00	0.01	0.00
EPS Diluted Total Ops	0.84	0.65	0.53	0.47	0.33
EBITDA(a)	$N/A	$N/A	$N/A	$N/A	$N/A