Call reports 2004
FIRST COMMONWEALTH BANK — 2004
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 5,173,895,000 | 6,202,135,000 | 6,198,997,000 | 6,114,126,000 |
| Total loans | 2,887,924,000 | 3,467,743,000 | 3,533,109,000 | 3,514,446,000 |
| Allowance for loan losses | 37,512,000 | 42,664,000 | 43,162,000 | 41,063,000 |
| Securities available for sale | 1,895,105,000 | 2,167,902,000 | 2,110,235,000 | 2,055,435,000 |
| Securities held to maturity | 97,395,000 | 83,506,000 | 72,704,000 | 76,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,401,085,000 | 3,919,011,000 | 3,878,634,000 | 3,849,493,000 |
| Interest-bearing deposits | 2,878,429,000 | 3,410,526,000 | 3,376,169,000 | 3,363,632,000 |
| Noninterest-bearing deposits | 522,656,000 | 508,485,000 | 502,465,000 | 485,861,000 |
| Equity capital | 418,197,000 | 563,781,000 | 570,449,000 | 569,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 61,747,000 | 126,974,000 | 201,617,000 | 276,925,000 |
| Interest expense | 23,862,000 | 49,126,000 | 76,130,000 | 103,770,000 |
| Net interest income | 37,885,000 | 77,848,000 | 125,487,000 | 173,155,000 |
| Noninterest income | 7,886,000 | 16,630,000 | 26,359,000 | 35,706,000 |
| Noninterest expense | 26,686,000 | 55,288,000 | 115,053,000 | 145,060,000 |
| Provision for loan losses | 2,100,000 | 4,620,000 | 7,295,000 | 8,070,000 |
| Pretax income | 20,752,000 | 38,481,000 | 33,427,000 | 59,689,000 |
| Income tax | 4,859,000 | 8,436,000 | 3,883,000 | 10,489,000 |
| Net income | 15,893,000 | 30,045,000 | 29,544,000 | 49,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,410,000 | 426,582,000 | 415,431,000 | 424,287,000 |
| Total capital | 409,213,000 | 470,113,000 | 459,637,000 | 466,823,000 |
| Risk-weighted assets | 3,494,488,000 | 4,159,821,000 | 4,003,498,000 | 4,051,063,000 |