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and New England. we all benefit.ut o b a te a n o i s pas s e i t i l i b i s pos Community First at First Niagara Strong communities are places where citizens have opportunities to learn. Community Development and Neighborhood Revitalization while addressing the unique conditions in each of our distinctive regions. Our employees’ passion for our charitable initiatives reinforces the financial investment we’re able to make. At First Niagara. more vibrant. Volunteer efforts with our community partners are at an all-time high and continue to grow as part of our corporate culture. grow and achieve their dreams. we’re collaborating with effective community partners.firstniagara. investing in the great work they do. from our employees to our customers.com/Community . These priority areas are relevant for us as a financial institution and clearly identified as urgent needs in the communities we serve across New York. Everyone at First Niagara. values the results produced when constituents pull together to make a community stronger. Our philanthropic giving focuses on supporting Youth and Education. and alive with new possibilities. We are pleased to present this summary of our community commitment for 2012 and invite you to visit our website for more detail. A robust spirit of volunteerism among First Niagara teammates complements our corporate-wide efforts. When our partners thrive and Do Great Things. Want to learn more? Visit our website at https://www. Pennsylvania. and empowering them to do more for our communities.
251.237.20 70 $13.f w w w ebsite at d on our w n u fo e b ients can 2012 recip f o t s li ll A fu Follow us on Twitter.9 $5.042.677.8 2009 46 2010 2011 2012 .042. stniagara ir .688.4 64 $13.g n i v i G f o y r ma m TS) u S PAYMEN H 2 S A 1 (C G 20 AL GIVIN HISTORIC PPORT NITY SU COMMU ity Grants Commun orships ity Spons Commun ash) PPORT (c TOTAL SU VALS D APPRO N A S T S UE 2012 ceived in 2012 REQ e R ts s e u Req orted f Funding ers Supp n rt a Number o P t ﬁ npro ber of No Total Num AREA Y FOCUS B G IN GIV ation th & Educ u o Y – % 58 pment Redevelo y it n u m m 18% – Co ood Revitalization rh o b h ig e &N n Service h & Huma lt a e H – 13% s 11% – Art & Culture 61 $10.938.130 1.7 9 $2.6 2008 $2. First Niagara 2012 Community Report | Page 1 .299 23 $2.0 71 $9.9 70 2.805.com.
Addit r the mission of g e Comm ering our ities where we li e ro w d Employe o n -p p u n s m o e n te f a onent of commun s teamm undreds o tial comp ty of the rvice to h artners and unifie e s in An essen impact the vitali rs u p o ely on-profit lunteer h To positiv d thousands of vo areness for our n aw an expertise e both money and is ra to helps First Niagara 2012 Community Report | Page 2 . Volunte v ri & th t n to e y iv ork io itm communit ve and w fit partners. First Niagara te nally. our Employ ing back. 00+ emplo l .ing p p e t S d r a w r Fo yees.0 6 ’s ra a a First Niag rofession talents of proudly provide p r Council d n a e m e te ging the ti ammates ee Volun erism e is levera .
This national “neighborhood helping neighbor” organization brings communities together to assist those in need of general home repair. a WNY not-for-profit agency that provides exercise classes. Eastern New York First Niagara teammates volunteered at the 43rd annual Equinox Thanksgiving Day Community Dinner. preparing and serving thousands of their specialty to enthusiastic festival goers. emotional support and paddling training for breast cancer survivors. and access to mammograms for women who need them. The team raised nearly $2.com.Central New York First Niagara is a longtime supporter of one of Central New York’s favorite summer festivals – TomatoFest.000 $790. Proceeds benefited Hope Chest.. as First Niagara hosted an Aloha Summer Luau for patients and their families at Children’s Hospital of Pittsburgh. The hospital’s atrium was transformed into a Hawaiian summer luau atmosphere featuring a Tiki hut and showcasing colorful decorations and backdrops. serving its first Thanksgiving dinner to 200 people. the program provides 25 active employee-student “matches. all for a great cause. New York First Niagara’s Rochester region fielded an impressive team of 38 members at the American Cancer Society’s 2012 Making Strides Against Breast Cancer event. Patients had the opportunity to listen to music.firstniagara. other states and international locales to compete in the first annual Hope Chest Buffalo Niagara Dragon Boat Festival. More than a dozen First Niagara teammates participated in this special day. low-to-moderate-income families. A successful mentoring program between First Niagara employees and elementary students from a neighboring school.000 homebound or homeless people in the Greater Capital Region.000 visitors per year. dance. New England First Niagara teammates from the Greater Manchester Area helped one of their very own customers with a major home improvement effort this spring through participation in the Rebuilding Together project. Western Pennsylvania Hawaii was the theme. Western New York Talk about unparalleled team work! First Niagara volunteers embarked on the ancient sport of dragon boat racing. raising money and collecting canned goods to supply area food pantries. The Equinox Dinner began in 1969.000 meals to Cayuga County residents each year. Proceeds from TomatoFest enable local food pantries to provide more than 10. this event serves and delivers dinner to more than 9.000 to help the American Cancer Society fight the disease through breast cancer research. with priority given to fixed. Eastern Pennsylvania First Niagara is a partner with Big Brothers Big Sisters of Southeastern Pennsylvania in its Beyond School Walls project. Today.451 130 First Niagara 2012 Community Report | Page 3 .” further empowering children to reach their highest potential through one-to-one mentoring relationships. visit our website at www. Each September. an organization dedicated to improving the quality of life for aging Rockland County residents. Rochester. and take part in luau-themed crafts.981 $400. information and services. First Niagara teammates staff the fried green tomato booth. The First Niagara “fearsome flyers” joined 30 other corporate and community groups from Western New York.981 . elderly or disabled individuals. a fun-filled weekend event in Auburn that attracts 12. Tri-State In Hudson Valley. the annual Rockland Day of Caring matched First Niagara volunteers with Meals on Wheels Programs & Services of Rockland Inc.17 $119. A group of 14 teammates volunteered to help with various activities throughout the evening. For more examples of our community commitment. NG AY GIVI W D E T I UN n Campaig Employee e Match Corporat Total L COUNCI R E E T N EE VOLU s EMPLOY jeans day h g u o r h t aised EVC Amount r orted by p p u s s t n of eve Number OF OUR ENT IN 2012 S T H G I HIGHL EE COMMITM EMPLOY $390.
ade most iew each grant ap sistent methods ommunit C m tion a a re r d a a n s g e n n v g co comm to re ecisio in y d re z rl t li First Nia ’s a ti la e u u th . w re ittee that upon eac At First N anthropic Comm plication with ca cally and based e lo Phil t ap Regional regard each gran ecisions are mad d s g e in te d it n Comm tives. The Regional T l. te g e n it e believ meets re ful consideratio h Comm iagara. posed e v le l ceiv loca luate pro re a e v th is e t t a a to t r th a ly ri y Suppo effective plication and crite s.g n i r e Empow w o r r o m To t has a r footprin pic u o in n io each reg Philanthro herefore. Fu and initia projects First Niagara 2012 Community Report | Page 4 . ed.
New YOrk CDS Monarch’s ‘Warrior Salute Program’ receives frequent support from First Niagara. Featuring roaring. First Niagara is committed to providing financial literacy programs throughout our communities. providing important services to low-to-moderate-income families in Oneida. First Niagara invests annually in the Larkin Community Improvement Fund. to enable every child the tools to achieve his or her potential. This substantial donation provides valuable resources for the agency and has fostered partnerships with Buffalo Public Schools. supporting mentoring and enrichment activities within the Syracuse City School District.000 worth of computers and related equipment to Computers for Children. PathStone offers education. grant assistance and post-purchase support to homeowners.000 square feet of new patient care space while renovating 46. which assists owner-occupied homeowners in the Larkin District (home to our corporate headquarters) with exterior home improvements. a lead angel donor. the Goodwill. believes this worthy investment will ultimately assist thousands of Buffalo’s young people in achieving their dreams. First Niagara contributed to Albany Medical Center’s expansion project to ensure the Center can meet the growing demand for its services. counseling. N. Say Yes Buffalo provides comprehensive support.Greater Rensselaer County through “Everybody Wins!” – a national program that seeks to increase children’s prospects for success in school and life though one-to-one reading/mentoring. L t e n a J – h hester. including a locally funded college or vocational education. PathStone Corporation received a grant from First Niagara to support aspiring low-to-moderate-income individuals and families in their dream to become homeowners.your com region signifies th “ alley lay in Hudson V the arts p le ro t in n a import of life and ty li a u q e th improving munities. robotic prehistoric mammals. C ite Plains. angsam. First Niagara donated more than $500. JA of Northeastern NY recently received a grant through our Mentoring Matters program. financing. Eastern New YOrk First Niagara is a passionate supporter of Junior Achievement of Northeastern NY. Rochester. W ArtsWestc First Niagara 2012 Community Report | Page 5 . Utica Neighborhood Housing (UNHS) NeighborWorks® HomeOwnership Center is among our partners in this area. City Mission and other organizations. First Niagara. We provide board members and volunteer teachers while actively participating in the organization’s fundraisers... The new. First Niagara and Larkin Development Group are lead supporters in this neighborhood revitalization project. First Niagara supports the Literacy Volunteers of America .Western New YOrk Dedicated to increasing graduation rates among students attending public and charter schools in the city of Buffalo. Syracuse teammates are newly engaged volunteers with Say Yes. This is an initiative of the Old First Ward Community Association.000 square feet of existing space. e e arts in th th to t n e mitm e . Additionally. six-story ‘Patient Pavilion’ adds 325. ENY teammates volunteer their time at local schools once a week during lunchtime. Herkimer and Madison counties.Y.” m o c g n o tr building s EO. the exhibit is stirring the imaginations of visitors to MOST. Central New YOrk First Niagara became a Corporate Compact Member of Say Yes Syracuse this year with a donation to the program’s Scholarship Endowment Fund. First Niagara proudly sponsored the Museum of Science & Technology’s (MOST) traveling Ice Age Mammoths & More Exhibit. The progressive program provides comprehensive employment and clinical rehabilitation services for veterans diagnosed with post traumatic stress disorder and traumatic brain injuries.
underinsured and uninsured individuals and families in the Crawford County Region. from school-based mentoring and recruitment of mentors of color to financial literacy workshops for youth. The vigorous neighborhood revitalization effort features Habitat volunteers building 45 homes in the Cambria development in Coatesville. and guidance on creating action plans to manage various financial situations.ation. The partnership supports revitalization initiatives with a substantial six-year investment. First Niagara sponsored three popular HHV fall festivals in 2012. Historic Hudson Valley (HHV) celebrates the history. Big Brothers Big Sisters Southeastern PA (BBBS SEPA). architecture. purchase and maintain a home. educating and entertaining an estimated 30. The fun and educational exhibit features Quiz. classroom space and the economic vibrancy that results from additional student activity. Eastern Pennsylvania First Niagara supports three regional mentoring providers. we’re supporting programs for more than 1.000 participants through the distinctive events. For details and a complete list of all grants. Conn a H Kirsten Le w – e N . a two-foot-tall robot programmed to interact with visitors and teach the science of robotics. both of which may motivate them to become the next generation of inventors. a facility dedicated to providing essential dental health services to low-income. visit our website at www. Big Brothers Big Sisters Lehigh Valley (BBBSLV).com. Through the donation of a facility and renovation funding. an exciting satellite campus. and Big Brothers Big Sisters Bucks County (BBBSBC). ecutive D x E . benefiting more than 175 participants. the Robot Humanoid exhibit. First Niagara helped establish the Meadville Medical Center Dental Clinic. the college and town gained a new art gallery. which matches First Niagara teammates with elementary students. n h . Western Pennsylvania First Niagara is a partner with the Northside Leadership Conference in a multi-year initiative to support the revitalization of the historic and culturally rich collection of Northside neighborhoods in Pittsburgh.firstniagara. Tri-State First Niagara is busy establishing working partnerships in areas new to our footprint. Through a recent grant to the Rockland Housing Action Coalition. and material culture of the Hudson Valley. n iste ir with cons during the d o ri e p k ee for a six-w . advancing its importance and thereby assuring its preservation. gara’s don ia N t s ves ir F With “ pact the li im ly e iv it s g them we can po y providin b ts n e d ring of our stu n-one tuto -o e n o t. Services emphasize the financial/technical skills clients need to rent. Each home will be sold to a qualified low-income family in need. o s vin ven. The partnership includes the unique First Niagara/BBBS Beyond School Walls program. the Town of Manchester.” reak summer b irector. These exceptional mentoring programs provide a variety of services to area youth. and the Downtown Special Services District to create MCC on Main. landscape. In partnership with Habitat for Humanity of Chester County. First Niagara provides generous support to the Mass Mentoring Partnership (MMP) and the Governor’s Prevention Partnership (CT) through our Mentoring Matters grant program. First Niagara partnered with Manchester Community College. First Niagara is funding homeownership opportunities for families in the city of Coatesville. First Niagara 2012 Community Report | Page 6 . The exhibit highlights the work of real-world inventors and engages youth in exciting science experiences.300 low-to-moderateincome individuals annually. n Reads New Have New England A First Niagara grant to the Connecticut Science Center assisted in the creation of the Center’s newest permanent exhibit.
25 m onnecticut and M ta r the ri s a r h e c tt Ma has ature ssroom fo nce ia. Tea ssible career opp e p v ti rs a e v o tt n a mentorin ure to po rate worl ntoring M st. Visit o ld in the fie First Niagara 2012 Community Report | Page 7 . th f mentoring. C g n n la ra a c ig in a r s lv g e y ia to s ’s th n n N e ra n d a Pe Me irst e importa SM dents tra First Niag e 2007. F ew York.” g M n g ri n to ri s Mento gara intro ys of Men toring o oung adults in ne king indu lary men hosts “Da ates from First Nia nities in the ban ra a g ia N to exemp rograms serving y providers ortu irst mm program gp rogram. atters is rganizations. Sinc ed throughout N . where stu duce students to th try. ro p t a th e n program assachus illion in fi ble giving provided $4. as we ns. F d is all about. of saving ed nearly r a complete listi rd a w a n fo o ti e a it d s n b e Fou our we In 2012. repre y literate m to learn rganizatio o 3 3 boardroo d being financiall to an $1 million ng.s r e t t a M g n i r Mento rt er suppo ee volunte d y lo p m e d e r esteem netary an vides mo ancial support fo tts. most in g our Me d what the corpo as provide expos e stronge n ti th n g e n m ti le n n ll se Supp firstha .
• First Niagara encourages and supports its employees’ involvement in their communities. municipal bonds and direct support of non-profit housing and economic development partners. • First Niagara Foundation has a special focus on community development and youth services and supports these programs in underserved areas. the OCC had not issued a final report. CDC 504. mobile banking and telephone banking. small business and community development projects that support low and moderate-income communities. consistent with safe and sound operations. 2901) and is implemented by Regulation BB (12 CFR 228). These investments supported affordable housing. Investments and Service. a subsidiary of the Bank. • First Niagara Community Development Corporation (CDC). • We offer alternative delivery systems including on-line. • We participate in a variety of affordable home ownership partnerships and offer affordable mortgage products. provides dedicated financial resources for community development activities in lowto-moderate income areas that need more flexible and innovative financing. • First Niagara’s bank-wide Mentoring Matters program supports mentoring and financial literacy initiatives in every region of the bank. and veterans loan programs. • We participate in a variety of community development activities such as small business loan funds. non-profit community loan pools. including partnerships with the Federal Home Loan Bank of New York under its Affordable Housing Program and First Home Club programs. multi-family housing. Banks are examined under three specific tests: Lending. • We provided more than $250 million in community development loans over the past two years. and services to help meet the needs of the low. The regulation was substantially revised in May 1995 and updated again in August 2005. supporting affordable housing. investments.and moderate-income home buyers. First Niagara has committed more than $25 million to the CDC to date.C.and moderate-income households and communities. .COMMUNITY REINVESTMENT The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate. SBA programs including SBIC’s. small business and commercial loans to support low and moderate-income communities in its service area. As of date of printing. including: • Supporting affordable housing development and homeownership • Supporting small business development including women and minority-owned companies • Providing financial services and technical expertise in underserved communities • Providing community development loans and investments to revitalize neighborhoods • Providing volunteer leadership in our communities in partnership with local non-profits and municipalities Investments • First Niagara has made more than $70 million in CRA-qualified community investments in the communities we serve. • Our Employee Volunteer Council provides volunteers and fundraising for a variety of charitable activities. • First Niagara has a dedicated team for SBA lending and participates in the 7(a). and underwent a CRA exam in 2012. which provide financial support to low. including low and moderate-income neighborhoods. First Niagara 2012 Community Report | Page 8 Lending • First Niagara provides a comprehensive range of mortgage. First Niagara provides a range of loans. and leadership to support civic and local activities that promote goodwill in our communities. neighborhood revitalization and commercial development. First Niagara is now supervised by the Office of the Comptroller of the Currency (OCC). Low Income Housing Tax Credits.S.25 million to this program since 2007. Services • First Niagara has more than 400 branches and a corresponding ATM network that provides convenient and accessible banking for our customers. including volunteering for non-profits. First Niagara received a “Satisfactory” rating for its most recent 2007 CRA Exam as performed by the Office of Thrift Supervision (OTS). community services. • We have a dedicated small business lending team to focus specifically on all types of small business loans. It was enacted by the Congress in 1977 (12 U. The bank has committed more than $4.
healthy lifestyles and the arts. We will continue to work toward our shared vision that no child in need of a connection with a caring adult is left waiting for one. culture and history remain within everyone’s reach. Harvest House.” – Robert K. “First Niagara’s continued support of the American Red Cross will help us provide critical relief services to Connecticut residents in the wake of Hurricane Sandy. Founder and Executive Director. Frick Arts & Historical Center. but throughout the Central New York region.” – Allyn Smith. “Many thanks to First Niagara for sponsoring the 2012 Erie Canal Bike Tour.” – Linda Tatu. Kreamer. Sheen Housing.” – Ginny Donohue.” – Marty Martinez. Participant. New Springﬁeld Manchester En an gl d Boston First Niagara 2012 Community Report | Page 9 . Cycling the Erie Canal “You should be proud that you invested in a project that will empower not only the individuals who received the tools to better themselves.” – William B.800 children and teens are able to find daily opportunities in education. N. Boys & Girls Club – North Penn Valley. Rochester. Pittsburgh. seniors. Jr. N. President. Buffalo.Y. CEO. Syracuse & Utica.Y. Our group of 500 had a great ride through some of the most beautiful land in the country. N. Parks & Trails New York. Mass Mentoring Partnership. “First Niagara’s generous investment in MMP has an extraordinary impact on our organization and our ability to aggressively pursue the expansion of quality youth mentoring in Massachusetts. but also their children. Executive Director. and persons living with disabilities. Springfield and Boston.” – Mario Bruno. American Red Cross Connecticut and Rhode Island Region “Thanks to First Niagara. “We thank First Niagara for supporting mentoring. Pa. Indian Valley & Ambler Area.” – John Deysher. not only at On Point for College. recreation. leadership. St. and ultimately the whole community.Y. over 3. Lawrence Jefferson Rochester Bu alo Syracuse Albany New York Binghamton Erie Hartford New Haven Norwalk Pennsylvania Allentown Pittsburgh Philadelphia Nyack “Our partnership with companies like First Niagara helps us build strong connections within our neighborhoods and ensures that art. CEO. Pa.DoinG GrEaT THinGs aCross our rEGions “Your generous gift rebuilds lives and ensures safe. On Point for College. Mass. decent homes for low-income families. President & CEO. Bodine.. Director.
com Florine Luhr Foundation Administrator First Niagara Foundation Florine.Gurney@fnfg.First Niagara Foundation teammates can assist you with questions and comments regarding our charitable giving policies and procedures: Elizabeth Gurney Executive Director First Niagara Foundation Elizabeth.Luhr@fnfg. .com Follow us on Twitter.
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