Call reports 2002
FIRST COMMONWEALTH BANK — 2002
What FIRST COMMONWEALTH BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,879,000 | 58,653,000 | 58,082,000 | 55,899,000 |
| Total loans | 33,815,000 | 33,715,000 | 33,027,000 | 33,371,000 |
| Allowance for loan losses | 550,000 | 569,000 | 574,000 | 570,000 |
| Securities available for sale | 14,452,000 | 12,749,000 | 14,010,000 | 12,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,801,000 | 52,281,000 | 51,444,000 | 49,301,000 |
| Interest-bearing deposits | 34,946,000 | 40,723,000 | 39,897,000 | 38,707,000 |
| Noninterest-bearing deposits | 15,855,000 | 11,558,000 | 11,547,000 | 10,594,000 |
| Equity capital | 5,825,000 | 6,085,000 | 6,304,000 | 6,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,812,000 | 2,669,000 | 3,517,000 |
| Interest expense | 336,000 | 661,000 | 985,000 | 1,283,000 |
| Net interest income | 576,000 | 1,151,000 | 1,684,000 | 2,234,000 |
| Noninterest income | 140,000 | 285,000 | 437,000 | 596,000 |
| Noninterest expense | 513,000 | 1,041,000 | 1,571,000 | 2,163,000 |
| Provision for loan losses | 45,000 | 90,000 | 98,000 | 98,000 |
| Pretax income | 165,000 | 329,000 | 476,000 | 603,000 |
| Income tax | 50,000 | 100,000 | 156,000 | 176,000 |
| Net income | 115,000 | 229,000 | 322,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,860,000 | 5,973,000 | 6,066,000 | 6,174,000 |
| Total capital | 6,311,000 | 6,421,000 | 6,501,000 | 6,609,000 |
| Risk-weighted assets | 35,996,000 | 35,737,000 | 34,697,000 | 34,684,000 |