First Niagara Financial 10K 2010 Annual report | FNFG Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. sophomore Avg

New words: absence, absorb, accrediting, acute, adhere, adherence, advice, ahead, aimed, apparent, asserting, attain, automatically, Banyan, Barbara, begun, bilateral, blackout, broad, buffer, buildup, Carl, CD, ceiling, certified, cessation, Chancery, commentary, competitor, Connecticut, correctly, costly, counter, curbing, customary, debtor, denominator, deplete, deserve, DIF, differentiate, difficulty, diligence, discriminatory, disproportionate, distinguished, downgraded, Eighty, eventual, FDIA, FICO, firmly, floor, Florio, foreign, foreseeable, foreseen, forgo, governmental, greatest, Greenwich, Haven, heading, headquartered, history, inability, inclusion, ineffective, inspection, Interactive, interchange, intermediary, internationally, iv, Jeremiah, joint, judicial, junior, LCR, left, LLC, mandated, mandatorily, matrix, matter, memorandum, narrowly, necessitate, necessitating, NewAlliance, nonamortizing, nonmarketable, nonsufficient, nonvested, Northeast, NSFR, Obama, OFAC, officially, outflow, Pinnacle, posture, preclude, preemption, pretax, prevalence, proceed, profile, promulgated, purported, qualification, reaction, realistic, reappraised, rebuild, receipt, Repeal, rescinded, resourceful, retracement, RTI, rulemaking, runoff, safe, sanctioned, scenario, score, scorecard, sharply, shortfall, slower, SNL, sophisticated, sound, sovereign, Springfield, standing, strict, strictly, Summit, supervisor, supplemental, sweeping, tagged, tailored, TDR, text, thereof, translate, translated, turn, unaudited, unconditional, uncorrected, undertaken, unencumbered, uniform, uninsured, unique, unpredictable, unreasonable, unsatisfactory, upcoming, upper, validate, verify, vi, Wall, weak, withdrawn

Removed: Aa, Aaa, accepting, actively, ALCO, allocate, American, appoint, auto, bill, black, brand, budget, building, calculate, categorized, chartering, cohesively, collecting, commenced, complementary, content, convenience, cooperation, created, cycle, declare, declined, deposited, desist, determinable, disapprove, discontinuance, discretion, discriminating, District, diversifying, enrollment, establishment, expensive, factor, family, fewer, financed, FRA, govern, governed, governing, half, household, housing, improved, incidental, initiated, injunction, insurer, intelligence, Interagency, Justice, lawsuit, lessee, Metropolitan, mitigate, moved, negotiated, noncontrolling, noncumulative, NYSBD, originator, oversee, partnership, population, Prescribing, preserve, prosecution, prospective, QTL, rebalancing, redirected, reducing, regulator, remitted, remove, replacement, repossession, residual, satisfy, Seasoned, SERP, show, slope, softening, southeastern, Statistical, student, submitted, substantiate, supervised, taxed, terrorism, threshold, ticket, top, uncertainty, underwrite, unimpaired, unrelated, utilization, view, violate, volatile, work, worksite


	State or other
	jurisdiction of	Percentage of voting
	incorporation or	securities owned by First
Name of subsidiary	organization	Niagara Financial Group,Inc.

First Niagara Bank, N.A.	United States	100%
First Niagara REIT Holding Company, Inc.	New York	100%
First Niagara Funding, Inc.	New York	100%

First Niagara Financial (FNFG) Inactive 10-K2010 FY Annual report

Content analysis