Call reports 2008
FIRST COMMONWEALTH BANK — 2008
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 6,063,860,000 | 6,196,770,000 | 6,153,069,000 | 6,373,887,000 |
| Total loans | 3,893,122,000 | 4,113,365,000 | 4,184,544,000 | 4,418,323,000 |
| Allowance for loan losses | 41,612,000 | 44,505,000 | 45,482,000 | 52,759,000 |
| Securities available for sale | 1,555,260,000 | 1,455,834,000 | 1,332,339,000 | 1,332,154,000 |
| Securities held to maturity | 65,935,000 | 59,200,000 | 56,839,000 | 50,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,331,474,000 | 4,327,567,000 | 4,277,018,000 | 4,305,251,000 |
| Interest-bearing deposits | 3,778,338,000 | 3,744,312,000 | 3,696,687,000 | 3,713,498,000 |
| Noninterest-bearing deposits | 553,136,000 | 583,255,000 | 580,331,000 | 591,753,000 |
| Equity capital | 638,787,000 | 613,150,000 | 598,978,000 | 619,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 81,503,000 | 163,413,000 | 244,260,000 | 326,409,000 |
| Interest expense | 38,586,000 | 71,825,000 | 103,001,000 | 130,740,000 |
| Net interest income | 42,917,000 | 91,588,000 | 141,259,000 | 195,669,000 |
| Noninterest income | 12,554,000 | 25,780,000 | 39,269,000 | 53,055,000 |
| Noninterest expense | 34,925,000 | 69,826,000 | 104,530,000 | 143,079,000 |
| Provision for loan losses | 3,178,000 | 8,540,000 | 12,453,000 | 23,095,000 |
| Pretax income | 17,869,000 | 39,221,000 | 56,034,000 | 71,281,000 |
| Income tax | 3,244,000 | 8,250,000 | 11,584,000 | 14,819,000 |
| Net income | 14,625,000 | 30,971,000 | 44,450,000 | 56,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 464,331,000 | 465,415,000 | 469,282,000 | 560,860,000 |
| Total capital | 506,002,000 | 509,920,000 | 514,764,000 | 613,619,000 |
| Risk-weighted assets | 4,681,675,000 | 4,836,062,000 | 4,918,059,000 | 5,290,634,000 |