JUL 20, 2009 3:37pm ET

2Q EARNINGS

Profits Off 10% at First Niagara of New York

First Niagara Financial Group Inc. in Lockport, N.Y., said Friday that its second-quarter profit slipped 10% from a year earlier, to $20.8 million.

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Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?

Yes. Facebook Credits threatens to cut off banks from transactions and customer data.

12%

No. A system the enables users to pay for online games and page upgrades is a harmless niche.

32%

Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

56%

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