401k Plan data: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN plan

FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 401k Plan overview

Plan Name	FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN
Plan identification number	003

FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN Benefits

401k Plan Type	Defined Contribution Pension
Plan Features/Benefits	Stock bonus Leveraged ESOP - An ESOP that acquires employer securities with borrowed money or other debt-financing techniques. A completed Schedule E must be attached to a Form 5500 filed for an ESOP. Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

FIRST NIAGARA FINANCIAL GROUP, INC. has sponsored the creation of one or more 401k plans.

Company Name: FIRST NIAGARA FINANCIAL GROUP, INC.

Employer identification number (EIN): 421556195

NAIC Classification: 522120
NAIC Description: Savings Institutions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2015-01-01 MARYLISA OROSS
003 2014-01-01 MARYLISA OROSS MARYLISA OROSS 2015-09-04
003 2013-01-01 MARYLISA OROSS MARYLISA OROSS 2014-07-22
003 2012-01-01 JULIE M. LAFOREST JULIE M. LAFOREST 2013-10-04
003 2011-01-01 JULIE M. LAFOREST JULIE M. LAFOREST 2012-10-09
003 2010-01-01 JULIE M. LAFOREST JULIE M. LAFOREST 2011-10-06
003 2009-01-01 JULIE M. LAFOREST JULIE M. LAFOREST 2010-10-15

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
003	2015-01-01	MARYLISA OROSS
003	2014-01-01	MARYLISA OROSS	MARYLISA OROSS	2015-09-04
003	2013-01-01	MARYLISA OROSS	MARYLISA OROSS	2014-07-22
003	2012-01-01	JULIE M. LAFOREST	JULIE M. LAFOREST	2013-10-04
003	2011-01-01	JULIE M. LAFOREST	JULIE M. LAFOREST	2012-10-09
003	2010-01-01	JULIE M. LAFOREST	JULIE M. LAFOREST	2011-10-06
003	2009-01-01	JULIE M. LAFOREST	JULIE M. LAFOREST	2010-10-15

Plan Statistics for FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN

401k plan membership statisitcs for FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN

Measure Date Value
2015: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 5,564
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 4,518
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 1,062
Total of all active and inactive participants 2015-01-01 5,580
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 18
Total participants 2015-01-01 5,598
Number of participants with account balances 2015-01-01 4,824
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 5,783
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 4,736
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 719
Total of all active and inactive participants 2014-01-01 5,455
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 19
Total participants 2014-01-01 5,474
Number of participants with account balances 2014-01-01 5,368
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 540
2013: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 5,765
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 5,004
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 703
Total of all active and inactive participants 2013-01-01 5,707
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 11
Total participants 2013-01-01 5,718
Number of participants with account balances 2013-01-01 5,589
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 404
2012: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 3,521
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 4,888
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 802
Total of all active and inactive participants 2012-01-01 5,690
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 7
Total participants 2012-01-01 5,697
Number of participants with account balances 2012-01-01 5,014
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 354
2011: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 3,834
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 3,028
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 422
Total of all active and inactive participants 2011-01-01 3,450
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 4
Total participants 2011-01-01 3,454
Number of participants with account balances 2011-01-01 3,167
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 211
2010: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 2,898
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 3,365
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 397
Total of all active and inactive participants 2010-01-01 3,762
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 3,762
Number of participants with account balances 2010-01-01 1,940
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 113
2009: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 2,102
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 2,710
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 155
Total of all active and inactive participants 2009-01-01 2,865
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 2
Total participants 2009-01-01 2,867
Number of participants with account balances 2009-01-01 1,988
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 47

Measure	Date	Value
2015: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	5,564
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	4,518
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	1,062
Total of all active and inactive participants	2015-01-01	5,580
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	18
Total participants	2015-01-01	5,598
Number of participants with account balances	2015-01-01	4,824
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	5,783
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	4,736
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	719
Total of all active and inactive participants	2014-01-01	5,455
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	19
Total participants	2014-01-01	5,474
Number of participants with account balances	2014-01-01	5,368
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	540
2013: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	5,765
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	5,004
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	703
Total of all active and inactive participants	2013-01-01	5,707
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	11
Total participants	2013-01-01	5,718
Number of participants with account balances	2013-01-01	5,589
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	404
2012: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	3,521
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	4,888
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	802
Total of all active and inactive participants	2012-01-01	5,690
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	7
Total participants	2012-01-01	5,697
Number of participants with account balances	2012-01-01	5,014
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	354
2011: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	3,834
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	3,028
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	422
Total of all active and inactive participants	2011-01-01	3,450
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	4
Total participants	2011-01-01	3,454
Number of participants with account balances	2011-01-01	3,167
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	211
2010: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	2,898
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	3,365
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	397
Total of all active and inactive participants	2010-01-01	3,762
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	3,762
Number of participants with account balances	2010-01-01	1,940
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	113
2009: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	2,102
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	2,710
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	155
Total of all active and inactive participants	2009-01-01	2,865
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	2
Total participants	2009-01-01	2,867
Number of participants with account balances	2009-01-01	1,988
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	47

Financial Data on FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN

Measure	Date	Value
2015 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$5,095,500
Total unrealized appreciation/depreciation of assets	2015-12-31	$5,095,500
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$5,441,497
Total loss/gain on sale of assets	2015-12-31	$-302,976
Total of all expenses incurred	2015-12-31	$2,849,528
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$2,849,528
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$0
Value of total assets at end of year	2015-12-31	$21,219,108
Value of total assets at beginning of year	2015-12-31	$18,627,139
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$0
Total interest from all sources	2015-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$648,973
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2015-12-31	$0
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Total non interest bearing cash at end of year	2015-12-31	$19,087
Total non interest bearing cash at beginning of year	2015-12-31	$11,548
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$2,591,969
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$21,219,108
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$18,627,139
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$10,640
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$10,640
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$21,200,021
Assets. Invements in employer securities at beginning of year	2015-12-31	$18,604,951
Income. Dividends from common stock	2015-12-31	$648,973
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$2,849,528
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Aggregate proceeds on sale of assets	2015-12-31	$1,782,877
Aggregate carrying amount (costs) on sale of assets	2015-12-31	$2,085,853
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	INSERO & CO. CPAS, LLP
Accountancy firm EIN	2015-12-31	475324570
2014 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$-3,434,152
Total unrealized appreciation/depreciation of assets	2014-12-31	$-3,434,152
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$20,892,501
Expenses. Interest paid	2014-12-31	$1,117,449
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2014-12-31	$1,117,449
Total income from all sources (including contributions)	2014-12-31	$-1,177,086
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$2,335,295
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,217,846
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$983,301
Value of total assets at end of year	2014-12-31	$18,627,139
Value of total assets at beginning of year	2014-12-31	$43,032,021
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$0
Total interest from all sources	2014-12-31	$26
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$1,273,739
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2014-12-31	$0
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$20,892,501
Total non interest bearing cash at end of year	2014-12-31	$11,548
Total non interest bearing cash at beginning of year	2014-12-31	$426
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$-3,512,381
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$18,627,139
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$22,139,520
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$10,640
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$10,782
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$10,782
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$26
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$18,604,951
Assets. Invements in employer securities at beginning of year	2014-12-31	$43,020,813
Contributions received in cash from employer	2014-12-31	$983,301
Income. Dividends from common stock	2014-12-31	$1,273,739
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,217,846
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	INSERO & CO.
Accountancy firm EIN	2014-12-31	161016457
2013 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$11,094,605
Total unrealized appreciation/depreciation of assets	2013-12-31	$11,094,605
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$20,892,501
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$21,966,372
Expenses. Interest paid	2013-12-31	$1,172,388
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2013-12-31	$1,172,388
Total income from all sources (including contributions)	2013-12-31	$13,352,254
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$2,366,661
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,194,273
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$944,171
Value of total assets at end of year	2013-12-31	$43,032,021
Value of total assets at beginning of year	2013-12-31	$33,120,299
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$0
Total interest from all sources	2013-12-31	$27
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$1,313,451
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$40,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$20,892,501
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$21,966,372
Total non interest bearing cash at end of year	2013-12-31	$426
Total non interest bearing cash at beginning of year	2013-12-31	$10,489
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$10,985,593
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$22,139,520
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$11,153,927
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$10,782
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$6
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$6
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$27
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$43,020,813
Assets. Invements in employer securities at beginning of year	2013-12-31	$33,109,804
Contributions received in cash from employer	2013-12-31	$944,171
Income. Dividends from common stock	2013-12-31	$1,313,451
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,194,273
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2013-12-31	161131146
2012 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$-2,918,263
Total unrealized appreciation/depreciation of assets	2012-12-31	$-2,918,263
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$21,966,372
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$22,988,197
Expenses. Interest paid	2012-12-31	$1,224,634
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2012-12-31	$1,224,634
Total income from all sources (including contributions)	2012-12-31	$-660,742
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$2,290,095
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,065,461
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$905,727
Value of total assets at end of year	2012-12-31	$33,120,299
Value of total assets at beginning of year	2012-12-31	$37,092,961
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$0
Total interest from all sources	2012-12-31	$41
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$1,351,753
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$40,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$3,102
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2012-12-31	$21,966,372
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$22,988,197
Total non interest bearing cash at end of year	2012-12-31	$10,489
Total non interest bearing cash at beginning of year	2012-12-31	$118,467
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$-2,950,837
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$11,153,927
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$14,104,764
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$6
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$23,104
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$23,104
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$41
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$33,109,804
Assets. Invements in employer securities at beginning of year	2012-12-31	$36,951,390
Contributions received in cash from employer	2012-12-31	$902,625
Income. Dividends from common stock	2012-12-31	$1,351,753
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,065,461
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2012-12-31	161131146
2011 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-23,004,262
Total unrealized appreciation/depreciation of assets	2011-12-31	$-23,004,262
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$22,988,197
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$24,591,835
Expenses. Interest paid	2011-12-31	$1,304,649
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2011-12-31	$1,304,649
Total income from all sources (including contributions)	2011-12-31	$-20,079,178
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$2,333,753
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,029,104
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$159,731
Value of total assets at end of year	2011-12-31	$37,092,961
Value of total assets at beginning of year	2011-12-31	$61,109,530
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$0
Total interest from all sources	2011-12-31	$95
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$2,765,258
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$40,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2011-12-31	$22,988,197
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$24,591,835
Total non interest bearing cash at end of year	2011-12-31	$118,467
Total non interest bearing cash at beginning of year	2011-12-31	$52,366
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-22,412,931
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$14,104,764
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$36,517,695
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$23,104
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$32,242
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$32,242
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$95
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$36,951,390
Assets. Invements in employer securities at beginning of year	2011-12-31	$61,024,922
Contributions received in cash from employer	2011-12-31	$159,731
Income. Dividends from common stock	2011-12-31	$2,765,258
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,029,104
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2011-12-31	161131146
2010 : FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$268,656
Total unrealized appreciation/depreciation of assets	2010-12-31	$268,656
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$24,591,835
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$25,990,831
Expenses. Interest paid	2010-12-31	$1,374,683
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2010-12-31	$1,374,683
Total income from all sources (including contributions)	2010-12-31	$3,057,949
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$2,005,214
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$630,531
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$286,391
Value of total assets at end of year	2010-12-31	$61,109,530
Value of total assets at beginning of year	2010-12-31	$61,455,791
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$0
Total interest from all sources	2010-12-31	$33
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$2,502,869
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$40,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2010-12-31	$24,591,835
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$25,990,831
Total non interest bearing cash at end of year	2010-12-31	$52,366
Total non interest bearing cash at beginning of year	2010-12-31	$38,982
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$1,052,735
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$36,517,695
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$35,464,960
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$32,242
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$33
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$61,024,922
Assets. Invements in employer securities at beginning of year	2010-12-31	$61,416,809
Contributions received in cash from employer	2010-12-31	$286,391
Income. Dividends from common stock	2010-12-31	$2,502,869
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$630,531
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2010-12-31	161131146

Form 5500 Responses for FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN

2015: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: FIRST NIAGARA FINANCIAL GROUP, INC. EMPLOYEE STOCK OWNERSHIP PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	FIRST NIAGARA FINANCIAL GROUP, INC.
Employer identification number (EIN):	421556195
NAIC Classification:	522120
NAIC Description:	Savings Institutions