Call reports 2003
FIRST COMMONWEALTH BANK — 2003
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 4,545,085,000 | 4,801,439,000 | 4,785,041,000 | 5,106,174,000 |
| Total loans | 2,649,390,000 | 2,621,102,000 | 2,596,990,000 | 2,824,443,000 |
| Allowance for loan losses | 35,321,000 | 35,604,000 | 36,183,000 | 37,385,000 |
| Securities available for sale | 1,471,327,000 | 1,789,855,000 | 1,828,500,000 | 1,873,335,000 |
| Securities held to maturity | 169,257,000 | 126,374,000 | 112,876,000 | 102,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,160,474,000 | 3,238,648,000 | 3,170,523,000 | 3,321,562,000 |
| Interest-bearing deposits | 2,779,527,000 | 2,817,384,000 | 2,756,724,000 | 2,878,617,000 |
| Noninterest-bearing deposits | 380,947,000 | 421,264,000 | 413,799,000 | 442,945,000 |
| Equity capital | 400,260,000 | 403,660,000 | 398,846,000 | 408,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 62,240,000 | 123,336,000 | 182,863,000 | 243,414,000 |
| Interest expense | 24,613,000 | 49,503,000 | 73,266,000 | 96,621,000 |
| Net interest income | 37,627,000 | 73,833,000 | 109,597,000 | 146,793,000 |
| Noninterest income | 6,981,000 | 14,874,000 | 26,407,000 | 34,464,000 |
| Noninterest expense | 24,065,000 | 48,663,000 | 72,395,000 | 97,117,000 |
| Provision for loan losses | 3,460,000 | 6,925,000 | 10,420,000 | 12,770,000 |
| Pretax income | 19,317,000 | 38,048,000 | 58,242,000 | 76,460,000 |
| Income tax | 4,465,000 | 8,679,000 | 13,423,000 | 17,467,000 |
| Net income | 14,852,000 | 29,369,000 | 44,819,000 | 58,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 371,767,000 | 375,593,000 | 379,427,000 | 365,928,000 |
| Total capital | 408,226,000 | 412,431,000 | 417,222,000 | 406,013,000 |
| Risk-weighted assets | 3,144,683,000 | 3,248,370,000 | 3,172,672,000 | 3,413,566,000 |