401k Plan data: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK plan

EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 401k Plan overview

Plan Name	EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK
Plan identification number	021

EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK Benefits

401k Plan Type	Defined Benefit Pension
Plan Features/Benefits	Benefits are primarily pay related Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021). Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).

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 EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
021 2014-07-01 MARYLISA OROSS
021 2013-07-01 MARYLISA OROSS
021 2012-07-01 MARYLISA OROSS MARYLISA OROSS 2014-04-14
021 2011-07-01 JULIE LAFOREST JULIE LAFOREST 2013-04-15
021 2010-07-01 JULIE M. LAFOREST JULIE M. LAFOREST 2012-04-16

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
021	2014-07-01	MARYLISA OROSS
021	2013-07-01	MARYLISA OROSS
021	2012-07-01	MARYLISA OROSS	MARYLISA OROSS	2014-04-14
021	2011-07-01	JULIE LAFOREST	JULIE LAFOREST	2013-04-15
021	2010-07-01	JULIE M. LAFOREST	JULIE M. LAFOREST	2012-04-16

Plan Statistics for EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK

401k plan membership statisitcs for EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK

Measure Date Value
2014: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2014 401k membership
Total participants, beginning-of-year 2014-07-01 1,708
Total number of active participants reported on line 7a of the Form 5500 2014-07-01 244
Number of retired or separated participants receiving benefits 2014-07-01 635
Number of other retired or separated participants entitled to future benefits 2014-07-01 578
Total of all active and inactive participants 2014-07-01 1,457
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-07-01 41
Total participants 2014-07-01 1,498
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-07-01 0
2013: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2013 401k membership
Total participants, beginning-of-year 2013-07-01 1,725
Total number of active participants reported on line 7a of the Form 5500 2013-07-01 309
Number of retired or separated participants receiving benefits 2013-07-01 613
Number of other retired or separated participants entitled to future benefits 2013-07-01 751
Total of all active and inactive participants 2013-07-01 1,673
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-07-01 35
Total participants 2013-07-01 1,708
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-07-01 0
2012: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2012 401k membership
Total participants, beginning-of-year 2012-07-01 1,764
Total number of active participants reported on line 7a of the Form 5500 2012-07-01 357
Number of retired or separated participants receiving benefits 2012-07-01 583
Number of other retired or separated participants entitled to future benefits 2012-07-01 752
Total of all active and inactive participants 2012-07-01 1,692
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-07-01 33
Total participants 2012-07-01 1,725
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-07-01 0
2011: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2011 401k membership
Total participants, beginning-of-year 2011-07-01 1,787
Total number of active participants reported on line 7a of the Form 5500 2011-07-01 428
Number of retired or separated participants receiving benefits 2011-07-01 522
Number of other retired or separated participants entitled to future benefits 2011-07-01 786
Total of all active and inactive participants 2011-07-01 1,736
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-07-01 28
Total participants 2011-07-01 1,764
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-07-01 0
2010: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2010 401k membership
Total participants, beginning-of-year 2010-07-01 1,821
Total number of active participants reported on line 7a of the Form 5500 2010-07-01 569
Number of retired or separated participants receiving benefits 2010-07-01 490
Number of other retired or separated participants entitled to future benefits 2010-07-01 701
Total of all active and inactive participants 2010-07-01 1,760
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-07-01 27
Total participants 2010-07-01 1,787
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-07-01 25

Measure	Date	Value
2014: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2014 401k membership
Total participants, beginning-of-year	2014-07-01	1,708
Total number of active participants reported on line 7a of the Form 5500	2014-07-01	244
Number of retired or separated participants receiving benefits	2014-07-01	635
Number of other retired or separated participants entitled to future benefits	2014-07-01	578
Total of all active and inactive participants	2014-07-01	1,457
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-07-01	41
Total participants	2014-07-01	1,498
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-07-01	0
2013: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2013 401k membership
Total participants, beginning-of-year	2013-07-01	1,725
Total number of active participants reported on line 7a of the Form 5500	2013-07-01	309
Number of retired or separated participants receiving benefits	2013-07-01	613
Number of other retired or separated participants entitled to future benefits	2013-07-01	751
Total of all active and inactive participants	2013-07-01	1,673
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-07-01	35
Total participants	2013-07-01	1,708
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-07-01	0
2012: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2012 401k membership
Total participants, beginning-of-year	2012-07-01	1,764
Total number of active participants reported on line 7a of the Form 5500	2012-07-01	357
Number of retired or separated participants receiving benefits	2012-07-01	583
Number of other retired or separated participants entitled to future benefits	2012-07-01	752
Total of all active and inactive participants	2012-07-01	1,692
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-07-01	33
Total participants	2012-07-01	1,725
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-07-01	0
2011: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2011 401k membership
Total participants, beginning-of-year	2011-07-01	1,787
Total number of active participants reported on line 7a of the Form 5500	2011-07-01	428
Number of retired or separated participants receiving benefits	2011-07-01	522
Number of other retired or separated participants entitled to future benefits	2011-07-01	786
Total of all active and inactive participants	2011-07-01	1,736
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-07-01	28
Total participants	2011-07-01	1,764
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-07-01	0
2010: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2010 401k membership
Total participants, beginning-of-year	2010-07-01	1,821
Total number of active participants reported on line 7a of the Form 5500	2010-07-01	569
Number of retired or separated participants receiving benefits	2010-07-01	490
Number of other retired or separated participants entitled to future benefits	2010-07-01	701
Total of all active and inactive participants	2010-07-01	1,760
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-07-01	27
Total participants	2010-07-01	1,787
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-07-01	25

Financial Data on EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK

Measure	Date	Value
2015 : EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-06-30	$-20,878,997
Total unrealized appreciation/depreciation of assets	2015-06-30	$-20,878,997
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-06-30	$0
Total income from all sources (including contributions)	2015-06-30	$4,070,107
Total loss/gain on sale of assets	2015-06-30	$20,792,056
Total of all expenses incurred	2015-06-30	$8,745,402
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-06-30	$8,454,004
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-06-30	$0
Value of total assets at end of year	2015-06-30	$173,472,329
Value of total assets at beginning of year	2015-06-30	$178,147,624
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-06-30	$291,398
Total interest from all sources	2015-06-30	$188,271
Total dividends received (eg from common stock, registered investment company shares)	2015-06-30	$3,959,661
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-06-30	No
Administrative expenses professional fees incurred	2015-06-30	$208,161
Was this plan covered by a fidelity bond	2015-06-30	Yes
Value of fidelity bond cover	2015-06-30	$20,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2015-06-30	No
Other income not declared elsewhere	2015-06-30	$9,116
Administrative expenses (other) incurred	2015-06-30	$83,237
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-06-30	No
Value of net income/loss	2015-06-30	$-4,675,295
Value of net assets at end of year (total assets less liabilities)	2015-06-30	$173,472,329
Value of net assets at beginning of year (total assets less liabilities)	2015-06-30	$178,147,624
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-06-30	No
Were any leases to which the plan was party in default or uncollectible	2015-06-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-06-30	$161,510,974
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-06-30	$106,100,163
Interest earned on other investments	2015-06-30	$188,271
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-06-30	$8,891,910
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-06-30	$31,981,939
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-06-30	$31,981,939
Asset value of US Government securities at end of year	2015-06-30	$421,916
Asset value of US Government securities at beginning of year	2015-06-30	$439,340
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-06-30	Yes
Was there a failure to transmit to the plan any participant contributions	2015-06-30	No
Has the plan failed to provide any benefit when due under the plan	2015-06-30	No
Income. Dividends from common stock	2015-06-30	$3,959,661
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-06-30	$8,454,004
Asset. Corporate debt instrument debt (other) at end of year	2015-06-30	$2,647,529
Asset. Corporate debt instrument debt (other) at beginning of year	2015-06-30	$4,052,935
Assets. Corporate common stocks other than exployer securities at end of year	2015-06-30	$0
Assets. Corporate common stocks other than exployer securities at beginning of year	2015-06-30	$35,573,247
Did the plan have assets held for investment	2015-06-30	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	2015-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-06-30	No
Aggregate proceeds on sale of assets	2015-06-30	$119,936,476
Aggregate carrying amount (costs) on sale of assets	2015-06-30	$99,144,420
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2015-06-30	Disclaimer
Accountancy firm name	2015-06-30	INSERO & CO. CPAS, LLP
Accountancy firm EIN	2015-06-30	475324570
2014 : EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-06-30	$18,401,586
Total unrealized appreciation/depreciation of assets	2014-06-30	$18,401,586
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-06-30	$0
Total income from all sources (including contributions)	2014-06-30	$21,971,309
Total loss/gain on sale of assets	2014-06-30	$403,092
Total of all expenses incurred	2014-06-30	$6,372,945
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-06-30	$6,060,737
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-06-30	$0
Value of total assets at end of year	2014-06-30	$178,147,624
Value of total assets at beginning of year	2014-06-30	$162,549,260
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-06-30	$312,208
Total interest from all sources	2014-06-30	$231,209
Total dividends received (eg from common stock, registered investment company shares)	2014-06-30	$2,934,784
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-06-30	No
Administrative expenses professional fees incurred	2014-06-30	$230,063
Assets. Corporate prefeered stocks other than exployer securities at end of year	2014-06-30	$0
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2014-06-30	$101,128
Was this plan covered by a fidelity bond	2014-06-30	Yes
Value of fidelity bond cover	2014-06-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2014-06-30	No
Other income not declared elsewhere	2014-06-30	$638
Administrative expenses (other) incurred	2014-06-30	$82,145
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-06-30	No
Value of net income/loss	2014-06-30	$15,598,364
Value of net assets at end of year (total assets less liabilities)	2014-06-30	$178,147,624
Value of net assets at beginning of year (total assets less liabilities)	2014-06-30	$162,549,260
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-06-30	No
Were any leases to which the plan was party in default or uncollectible	2014-06-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-06-30	$106,100,163
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-06-30	$91,422,671
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-06-30	$31,981,939
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-06-30	$37,227,818
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-06-30	$37,227,818
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-06-30	$231,209
Asset value of US Government securities at end of year	2014-06-30	$439,340
Asset value of US Government securities at beginning of year	2014-06-30	$445,100
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-06-30	Yes
Was there a failure to transmit to the plan any participant contributions	2014-06-30	No
Has the plan failed to provide any benefit when due under the plan	2014-06-30	No
Income. Dividends from common stock	2014-06-30	$2,934,784
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-06-30	$6,060,737
Asset. Corporate debt instrument debt (other) at end of year	2014-06-30	$4,052,935
Asset. Corporate debt instrument debt (other) at beginning of year	2014-06-30	$4,199,196
Assets. Corporate common stocks other than exployer securities at end of year	2014-06-30	$35,573,247
Assets. Corporate common stocks other than exployer securities at beginning of year	2014-06-30	$29,153,347
Did the plan have assets held for investment	2014-06-30	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	2014-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-06-30	No
Aggregate proceeds on sale of assets	2014-06-30	$403,092
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2014-06-30	Disclaimer
Accountancy firm name	2014-06-30	INSERO & COMPANY CPAS, P.C.
Accountancy firm EIN	2014-06-30	161016457
2013 : EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-06-30	$9,333,290
Total unrealized appreciation/depreciation of assets	2013-06-30	$9,333,290
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-06-30	$0
Total income from all sources (including contributions)	2013-06-30	$13,651,475
Total loss/gain on sale of assets	2013-06-30	$1,219,334
Total of all expenses incurred	2013-06-30	$6,171,068
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-06-30	$5,773,390
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-06-30	$0
Value of total assets at end of year	2013-06-30	$162,549,260
Value of total assets at beginning of year	2013-06-30	$155,068,853
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-06-30	$397,678
Total interest from all sources	2013-06-30	$285,286
Total dividends received (eg from common stock, registered investment company shares)	2013-06-30	$2,813,565
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-06-30	No
Administrative expenses professional fees incurred	2013-06-30	$331,430
Assets. Corporate prefeered stocks other than exployer securities at end of year	2013-06-30	$101,128
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2013-06-30	$100,896
Was this plan covered by a fidelity bond	2013-06-30	Yes
Value of fidelity bond cover	2013-06-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2013-06-30	No
Administrative expenses (other) incurred	2013-06-30	$66,248
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-06-30	No
Value of net income/loss	2013-06-30	$7,480,407
Value of net assets at end of year (total assets less liabilities)	2013-06-30	$162,549,260
Value of net assets at beginning of year (total assets less liabilities)	2013-06-30	$155,068,853
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-06-30	No
Were any leases to which the plan was party in default or uncollectible	2013-06-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-06-30	$91,422,671
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-06-30	$83,227,736
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-06-30	$37,227,818
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-06-30	$40,567,940
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-06-30	$40,567,940
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-06-30	$285,286
Asset value of US Government securities at end of year	2013-06-30	$445,100
Asset value of US Government securities at beginning of year	2013-06-30	$478,556
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-06-30	No
Was there a failure to transmit to the plan any participant contributions	2013-06-30	No
Has the plan failed to provide any benefit when due under the plan	2013-06-30	No
Income. Dividends from preferred stock	2013-06-30	$7,900
Income. Dividends from common stock	2013-06-30	$2,805,665
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-06-30	$5,773,390
Asset. Corporate debt instrument debt (other) at end of year	2013-06-30	$4,199,196
Asset. Corporate debt instrument debt (other) at beginning of year	2013-06-30	$6,033,808
Assets. Corporate common stocks other than exployer securities at end of year	2013-06-30	$29,153,347
Assets. Corporate common stocks other than exployer securities at beginning of year	2013-06-30	$24,659,917
Did the plan have assets held for investment	2013-06-30	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	2013-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-06-30	No
Aggregate proceeds on sale of assets	2013-06-30	$1,219,334
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2013-06-30	Disclaimer
Accountancy firm name	2013-06-30	BONADIO AND COMPANY, LLP
Accountancy firm EIN	2013-06-30	131131146
2012 : EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-06-30	$-8,030,653
Total unrealized appreciation/depreciation of assets	2012-06-30	$-8,030,653
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-06-30	$0
Total income from all sources (including contributions)	2012-06-30	$61,271,315
Total loss/gain on sale of assets	2012-06-30	$4,200,421
Total of all expenses incurred	2012-06-30	$6,051,646
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-06-30	$5,878,388
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-06-30	$62,758,474
Value of total assets at end of year	2012-06-30	$155,068,853
Value of total assets at beginning of year	2012-06-30	$99,849,184
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-06-30	$173,258
Total interest from all sources	2012-06-30	$488,170
Total dividends received (eg from common stock, registered investment company shares)	2012-06-30	$1,854,903
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-06-30	No
Administrative expenses professional fees incurred	2012-06-30	$114,025
Assets. Corporate prefeered stocks other than exployer securities at end of year	2012-06-30	$100,896
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2012-06-30	$103,776
Was this plan covered by a fidelity bond	2012-06-30	Yes
Value of fidelity bond cover	2012-06-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2012-06-30	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-06-30	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-06-30	$14
Administrative expenses (other) incurred	2012-06-30	$26,733
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-06-30	No
Value of net income/loss	2012-06-30	$55,219,669
Value of net assets at end of year (total assets less liabilities)	2012-06-30	$155,068,853
Value of net assets at beginning of year (total assets less liabilities)	2012-06-30	$99,849,184
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-06-30	No
Were any leases to which the plan was party in default or uncollectible	2012-06-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-06-30	$83,227,736
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-06-30	$35,354,386
Value of interest in common/collective trusts at end of year	2012-06-30	$0
Value of interest in common/collective trusts at beginning of year	2012-06-30	$20,795,578
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-06-30	$40,567,940
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-06-30	$3,845,260
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-06-30	$3,845,260
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-06-30	$488,170
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-06-30	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-06-30	$748,331
Asset value of US Government securities at end of year	2012-06-30	$478,556
Asset value of US Government securities at beginning of year	2012-06-30	$6,648,609
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-06-30	Yes
Was there a failure to transmit to the plan any participant contributions	2012-06-30	No
Has the plan failed to provide any benefit when due under the plan	2012-06-30	No
Contributions received in cash from employer	2012-06-30	$62,758,474
Income. Dividends from common stock	2012-06-30	$1,854,903
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-06-30	$5,878,388
Asset. Corporate debt instrument debt (other) at end of year	2012-06-30	$6,033,808
Asset. Corporate debt instrument debt (other) at beginning of year	2012-06-30	$6,496,395
Contract administrator fees	2012-06-30	$32,500
Assets. Corporate common stocks other than exployer securities at end of year	2012-06-30	$24,659,917
Assets. Corporate common stocks other than exployer securities at beginning of year	2012-06-30	$25,856,835
Did the plan have assets held for investment	2012-06-30	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	2012-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-06-30	No
Aggregate proceeds on sale of assets	2012-06-30	$4,200,421
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2012-06-30	Disclaimer
Accountancy firm name	2012-06-30	BONADIO AND COMPANY, LLP
Accountancy firm EIN	2012-06-30	131131146
2011 : EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-06-30	$13,936,252
Total unrealized appreciation/depreciation of assets	2011-06-30	$13,936,252
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-06-30	$929
Total income from all sources (including contributions)	2011-06-30	$18,663,209
Total loss/gain on sale of assets	2011-06-30	$2,824,459
Total of all expenses incurred	2011-06-30	$5,210,348
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-06-30	$4,919,396
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-06-30	$0
Value of total assets at end of year	2011-06-30	$99,849,184
Value of total assets at beginning of year	2011-06-30	$86,397,252
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-06-30	$290,952
Total interest from all sources	2011-06-30	$578,282
Total dividends received (eg from common stock, registered investment company shares)	2011-06-30	$1,311,970
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-06-30	No
Administrative expenses professional fees incurred	2011-06-30	$95,947
Assets. Corporate prefeered stocks other than exployer securities at end of year	2011-06-30	$103,776
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2011-06-30	$95,432
Was this plan covered by a fidelity bond	2011-06-30	Yes
Value of fidelity bond cover	2011-06-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2011-06-30	No
Assets. Other investments not covered elsewhere at end of year	2011-06-30	$0
Assets. Other investments not covered elsewhere at beginning of year	2011-06-30	$1,126,166
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-06-30	$14
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-06-30	$38,717
Other income not declared elsewhere	2011-06-30	$12,246
Administrative expenses (other) incurred	2011-06-30	$65,485
Liabilities. Value of operating payables at beginning of year	2011-06-30	$929
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-06-30	No
Value of net income/loss	2011-06-30	$13,452,861
Value of net assets at end of year (total assets less liabilities)	2011-06-30	$99,849,184
Value of net assets at beginning of year (total assets less liabilities)	2011-06-30	$86,396,323
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-06-30	No
Were any leases to which the plan was party in default or uncollectible	2011-06-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-06-30	$35,354,386
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-06-30	$32,017,918
Value of interest in common/collective trusts at end of year	2011-06-30	$20,795,578
Value of interest in common/collective trusts at beginning of year	2011-06-30	$15,395,830
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-06-30	$3,845,260
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-06-30	$4,886,862
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-06-30	$4,886,862
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-06-30	$578,282
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-06-30	$748,331
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-06-30	$454,295
Asset value of US Government securities at end of year	2011-06-30	$6,648,609
Asset value of US Government securities at beginning of year	2011-06-30	$1,947,576
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-06-30	No
Was there a failure to transmit to the plan any participant contributions	2011-06-30	No
Has the plan failed to provide any benefit when due under the plan	2011-06-30	No
Income. Dividends from common stock	2011-06-30	$1,311,970
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-06-30	$4,919,396
Asset. Corporate debt instrument debt (other) at end of year	2011-06-30	$6,496,395
Asset. Corporate debt instrument debt (other) at beginning of year	2011-06-30	$9,252,278
Contract administrator fees	2011-06-30	$129,520
Assets. Corporate common stocks other than exployer securities at end of year	2011-06-30	$25,856,835
Assets. Corporate common stocks other than exployer securities at beginning of year	2011-06-30	$21,182,178
Did the plan have assets held for investment	2011-06-30	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	2011-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-06-30	No
Aggregate proceeds on sale of assets	2011-06-30	$2,824,459
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2011-06-30	Disclaimer
Accountancy firm name	2011-06-30	WHITTLESEY & HADLEY, P.C.
Accountancy firm EIN	2011-06-30	060903326

Form 5500 Responses for EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK

2014: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2014 form 5500 responses
2014-07-01	Type of plan entity	Single employer plan
2014-07-01	Submission has been amended	No
2014-07-01	This submission is the final filing	No
2014-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-07-01	Plan is a collectively bargained plan	No
2014-07-01	Plan funding arrangement – Trust	Yes
2014-07-01	Plan benefit arrangement - Trust	Yes
2013: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2013 form 5500 responses
2013-07-01	Type of plan entity	Single employer plan
2013-07-01	Submission has been amended	No
2013-07-01	This submission is the final filing	No
2013-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-07-01	Plan is a collectively bargained plan	No
2013-07-01	Plan funding arrangement – Trust	Yes
2013-07-01	Plan benefit arrangement - Trust	Yes
2012: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2012 form 5500 responses
2012-07-01	Type of plan entity	Single employer plan
2012-07-01	Submission has been amended	No
2012-07-01	This submission is the final filing	No
2012-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-07-01	Plan is a collectively bargained plan	No
2012-07-01	Plan funding arrangement – Trust	Yes
2012-07-01	Plan benefit arrangement - Trust	Yes
2011: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2011 form 5500 responses
2011-07-01	Type of plan entity	Single employer plan
2011-07-01	Submission has been amended	No
2011-07-01	This submission is the final filing	No
2011-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-07-01	Plan is a collectively bargained plan	No
2011-07-01	Plan funding arrangement – Insurance	Yes
2011-07-01	Plan funding arrangement – Trust	Yes
2011-07-01	Plan benefit arrangement – Insurance	Yes
2011-07-01	Plan benefit arrangement - Trust	Yes
2010: EMPLOYEES' RETIREMENT PLAN OF NEWALLIANCE BANK 2010 form 5500 responses
2010-07-01	Type of plan entity	Single employer plan
2010-07-01	Submission has been amended	No
2010-07-01	This submission is the final filing	No
2010-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-07-01	Plan is a collectively bargained plan	No
2010-07-01	Plan funding arrangement – Insurance	Yes
2010-07-01	Plan funding arrangement – Trust	Yes
2010-07-01	Plan benefit arrangement – Insurance	Yes
2010-07-01	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