Call reports 2005
FIRST COMMONWEALTH BANK — 2005
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 6,136,717,000 | 6,121,900,000 | 6,102,052,000 | 5,937,313,000 |
| Total loans | 3,554,066,000 | 3,600,951,000 | 3,612,786,000 | 3,623,918,000 |
| Allowance for loan losses | 40,794,000 | 41,404,000 | 41,537,000 | 39,492,000 |
| Securities available for sale | 2,029,465,000 | 1,972,438,000 | 1,925,733,000 | 1,752,308,000 |
| Securities held to maturity | 82,220,000 | 86,789,000 | 89,790,000 | 86,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,914,933,000 | 4,078,714,000 | 4,088,448,000 | 3,999,940,000 |
| Interest-bearing deposits | 3,405,524,000 | 3,549,868,000 | 3,558,849,000 | 3,504,909,000 |
| Noninterest-bearing deposits | 509,409,000 | 528,846,000 | 529,599,000 | 495,031,000 |
| Equity capital | 555,898,000 | 573,475,000 | 564,245,000 | 567,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 75,306,000 | 152,509,000 | 231,425,000 | 310,726,000 |
| Interest expense | 28,730,000 | 60,559,000 | 94,641,000 | 130,236,000 |
| Net interest income | 46,576,000 | 91,950,000 | 136,784,000 | 180,490,000 |
| Noninterest income | 9,120,000 | 24,234,000 | 33,891,000 | 50,223,000 |
| Noninterest expense | 30,328,000 | 60,688,000 | 92,870,000 | 123,800,000 |
| Provision for loan losses | 1,744,000 | 4,744,000 | 7,594,000 | 8,628,000 |
| Pretax income | 23,975,000 | 51,103,000 | 70,593,000 | 90,476,000 |
| Income tax | 5,674,000 | 12,325,000 | 16,427,000 | 20,766,000 |
| Net income | 18,301,000 | 38,778,000 | 54,166,000 | 69,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 430,330,000 | 438,781,000 | 442,096,000 | 445,221,000 |
| Total capital | 471,880,000 | 480,973,000 | 484,149,000 | 485,326,000 |
| Risk-weighted assets | 4,114,813,000 | 4,194,155,000 | 4,215,612,000 | 4,201,860,000 |