Call reports 2007
FIRST COMMONWEALTH BANK — 2007
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 5,807,279,000 | 5,680,155,000 | 5,665,290,000 | 5,821,495,000 |
| Total loans | 3,703,210,000 | 3,674,560,000 | 3,660,058,000 | 3,697,757,000 |
| Allowance for loan losses | 43,379,000 | 43,968,000 | 43,210,000 | 42,396,000 |
| Securities available for sale | 1,507,705,000 | 1,400,773,000 | 1,411,622,000 | 1,519,427,000 |
| Securities held to maturity | 78,092,000 | 76,366,000 | 73,024,000 | 71,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,360,843,000 | 4,422,706,000 | 4,341,797,000 | 4,350,475,000 |
| Interest-bearing deposits | 3,830,000,000 | 3,877,708,000 | 3,811,133,000 | 3,824,016,000 |
| Noninterest-bearing deposits | 530,843,000 | 544,998,000 | 530,664,000 | 526,459,000 |
| Equity capital | 645,705,000 | 626,131,000 | 638,687,000 | 643,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 83,899,000 | 165,477,000 | 247,424,000 | 329,927,000 |
| Interest expense | 40,645,000 | 80,348,000 | 120,026,000 | 160,206,000 |
| Net interest income | 43,254,000 | 85,129,000 | 127,398,000 | 169,721,000 |
| Noninterest income | 10,647,000 | 22,712,000 | 34,713,000 | 46,750,000 |
| Noninterest expense | 33,501,000 | 66,777,000 | 100,030,000 | 133,999,000 |
| Provision for loan losses | 2,979,000 | 5,394,000 | 7,690,000 | 10,042,000 |
| Pretax income | 18,026,000 | 36,425,000 | 55,162,000 | 73,604,000 |
| Income tax | 3,403,000 | 6,967,000 | 10,360,000 | 14,060,000 |
| Net income | 14,623,000 | 29,458,000 | 44,802,000 | 59,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 481,143,000 | 471,569,000 | 477,097,000 | 475,289,000 |
| Total capital | 525,270,000 | 516,122,000 | 520,669,000 | 517,685,000 |
| Risk-weighted assets | 4,282,976,000 | 4,274,294,000 | 4,295,650,000 | 4,437,952,000 |