Rochester Chapter Future Meetings
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The AAII Rochester Chapter presents...

"After the Financial Crisis...What’s Going on in Banking?"

    Discussed by:

    Gregory W. Norwood
    Senior Executive Vice President, Chief Financial Officer, First Niagara Bank, N.A.

The financial crisis of 2007–2008 resulted in the threat of a total collapse of many large financial institutions. Fiscal and monetary policy changes were adopted to reduce the shock on the economy. Many regional banks like First Niagara weathered the storm and are in good financial shape. First Niagara continues to change and adapt to the new financial environment. Financial metrics can be used by the small investor to evaluate and compare banks when making an investment decision.

Attend This Meeting and Learn...
An overview of the banking industry
Where First Niagara Bank is going
Metrics that can be used to evaluate a bank and its financial strength, such as ROA, ROE and the Efficiency Ratio

Tuesday, March 26, 2013
6:00 p.m.    Registration/Social
6:30 – 7:30 p.m.    Dinner
7:30 – 8:15 p.m.    Program
8:15 p.m.    Q&A
Green Lantern Inn
1 East Church St.
Fairport, NY 14450
[ Map This Location ]

In Advance (by 3/19)
Members and Family, $22/person; Nonmembers, $25/person
At-the-Door (space permitting)
Everyone, $25/person


Financial Planning SIG
Meetings are held at the Penfield Library, 1985 Baird Rd. Contact Co-Leaders Nick Chloros at and Diep Chu at

The Breakfast Discussion
Meets monthly, usually the last Monday of the month, 8:30 a.m. at Hicks & McCarthy, 23 South Main St., Pittsford Village, 585/586-0938. Call Jeff Fraser, 585/482-3654, for information.

Syracuse Subgroup
Meetings on Tuesdays, March 5 and April 2, 2013. Meetings are held from 7:00 – 8:30 p.m. at the Sargent Meeting Room of the Liverpool Public Library. Contact Frank Nolan at either or

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