Rising to the Occasion
First Niagara continues to stand out by delivering results for our shareholders, outperforming the industry and peer banks on key measures, believing in our customers and their ideas, and giving back to the communities where we do business. We’re doing it right, and our year-end 2009 numbers show it:
$3.5 billion in new loan originations, up 20% over 2008
11% increase in core deposits
18% increase in operating earnings
Investment -grade credit ratings from Standard & Poor’s, Moody’s Investors Service and Fitch, Inc.
Shareholder returns 66% above industry benchmark and 76% above peer banks
Uninterrupted and consistent dividends
300+ new jobs created
150,000 new customers
$4.0 million in charitable contributions to 484 organizations in our markets

Financial products that fit
Whether it’s borrowing, saving, or just making it easier to manage your money, First Niagara has the banking products, services and expertise to help you make your dreams a reality. First Niagara has specialized expertise in retail and commercial banking, international banking solutions, capital markets, wealth management, risk management and insurance to help you make your business a success.

Our people are our difference
Our product portfolio may be our competitive advantage. But what really sets us apart is the people who’ve chosen to work here. If you’re looking for a financial partner, First Niagara is a great place to do business. If you’re looking to build your career, it’s a great place to do that, too. Our core values—Passion, Creativity and Expertise—drive everything we do.

Community commitment
Strong communities are places where all people have opportunities to learn, grow and achieve their dreams. First Niagara’s philanthropic mission is to support and empower not-for-profit organizations with financial backing, employee volunteers and board representation. We believe it’s our responsibility to give our resources, expertise, and helping hands to the communities where we do business.

About First Niagara Financial Group
First Niagara Financial Group, Inc., through its wholly owned subsidiary, First Niagara Bank, N.A., has $21 billion in assets, 256 branches and $13 billion in deposits. First Niagara Bank, N.A. is a multi-state community-oriented bank providing financial services to individuals, families and businesses. Upon completion of its pending merger with NewAlliance Bancorp, Inc. — subject to customary closing conditions including approvals from regulators — First Niagara will have more than $29 billion in assets, $18 billion in deposits and 340 branches across Upstate New York, Pennsylvania, Connecticut and Massachusetts.

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Our Address:

PO Box 51, Lockport, NY 14095

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