First Commonwealth Bank in Indiana, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Commonwealth Bank - Overview

  • General
  • FDIC Certificate #: 7468
    Status: Active
    Federal Reserve ID: 42420
    Bank Holding Company (Regulatory Top Holder): First Commonwealth Financial Corporation (RSSDID: 1071306, Location: Indiana, PA)
    Date Established: September 21, 1880
    WWW: http://www.fcbanking.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 112 (Domestic: 112, Interstate: No)
    OTS Docket #: 10244
    FDIC's unique #: 4852
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 23, 2010
    Last Structure Change Process Date: November 23, 2010
    Last Data Update: November 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Philadelphia Street, Indiana, PA 15701
    County: Indiana
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Indiana, PA (#26860)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $5,779.0 mil
    Equity capital: $726.0 mil
    Deposits held in domestic offices: $4,511.6 mil
    Return on assets (ROA): 0.47% ($27.2 mil)
    Quarterly return on assets: -0.16% (-$9.2 mil)
    Return on Equity (ROE): 3.72% ($27.0 mil)
    Quarterly return on equity: -1.23% (-$8.9 mil)
    Net income: $26.7 mil
    Quarterly Net income: -$2.2 mil
    Pretax return on assets: 0.57% ($32,940.5 mil)
    Quarterly Pretax return on assets: -0.42% (-$24,272.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 1,078Total employees (full-time equivalent)
  • $5,779,041Total assets
  • $77,838Cash and due from depository institutions
  • $3,511Interest-bearing balances
  • $1,122,694Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,995,787Net loans & leases
  • $61,234Loan loss allowance
  • $0Trading account assets
  • $52,012Bank premises and fixed assets
  • $30,035Other real estate owned
  • $158,072Goodwill and other intangibles
  • $5,779,041Life insurance assets
  • $342,603All other assets
  • $4,978,416Total liabilities and capital
  • $4,511,613Total liabilities
  • $3,724,307Total deposits
  • $4,511,613Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 228777.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $184,064Trading liabilities
  • $0Other borrowed funds
  • $53,962Subordinated debt
  • $800,625All other liabilities
  • $725,961Total equity capital
  • $725,961Total bank equity capital
  • $0Perpetual preferred stock
  • $38,971Common stock
  • $398,967Surplus
  • $288,023Undivided profits
  • Memoranda
  • $74,664Noncurrent loans and leases
  • $13,412Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $102,903Income earned, not collected on loans
  • $1,222Earning assets
  • $17,915Long-term assets (5+ years)
  • $5,121,992Average Assets, year-to-date
  • $2,057,573Average Assets, quarterly
  • $5,691,981Volatile liabilities
  • $5,687,792Insider loans
  • $4,877,153FHLB advances
  • $5,490,686Loans and leases held for sale
  • $167,576Unused loan commitments
  • $90,582Tier 1 (core) risk-based capital
  • $628,346Tier 2 risk-based capital
  • $70,387Total risk weighted assets
  • $6,607Total unused commitments
  • $1,495,009Restructured Loans and leases
  • $17,777Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $231,286Total interest income
  • $36,073Total interest expense
  • $195,213Net interest income
  • $55,816Provision for loan and lease losses
  • $43,566Total noninterest income
  • $6,637Fiduciary activities
  • $14,775Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22,154Additional noninterest income
  • $152,081Total noninterest expense
  • $60,807Salaries and employee benefits
  • $16,361Premises and equipment expense
  • $74,913Additional noninterest expense
  • $30,882Pre-tax net operating income
  • $1,801Securities gains (losses)
  • $5,956Applicable income taxes
  • $26,727Income before extraordinary items
  • $0Extraordinary gains - net
  • $26,737Net income attributable to bank
  • -$10Net charge-offs
  • $26,727Cash dividends
  • $65,811Sale, conversion, retirement of capital stock, net
  • $10,031Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 2.33%Retained earnings to average equity (YTD only)
  • 1.62%Net charge-offs to loans
  • 84.81%Credit loss provision to net charge-offs
  • 1.32%Efficiency ratio
  • 63,049Assets per employee
  • 5.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.52%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 59.51%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 88.57%Net loans and leases to core deposits
  • 91.69%Equity capital to assets
  • 12.56%Core capital (leverage) ratio
  • 11.44%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $5,691,981Average earning assets
  • $718,533Average equity
  • $5,027,895Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $745,509Managed Assets
  • 1Number of Accounts
  • $483,840Personal trust and agency accounts
  • $189,756Employee benefit-defined contribution accounts
  • $14,600Employee benefit-defined benefit accounts
  • $24,485Other retirement accounts
  • $48,371Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $162,450Other fiduciary accounts
  • $39,770Fiduciary accounts held in foreign offices
  • $4,408Non-managed Assets
  • 2075Number of Accounts
  • $0Personal trust and agency accounts
  • $48,106Employee benefit-defined contribution accounts
  • $162,450Employee benefit-defined benefit accounts
  • $261,669Other retirement accounts
  • $28,321Corporate trust and agency accounts
  • $167,216Other fiduciary accounts
  • $11,314Fiduciary accounts held in foreign offices

List of branches

  • 112 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04852First Commonwealth Bank600 Philadelphia Street, Indiana, PA 15701September 21, 1880Full Service Brick and Mortar
    1215648Brookville Branch223 Main Street, Brookville, PA 15825October 11, 1954Full Service Brick and Mortar
    2215649North Main Street-Dubois Office5 North Main Street, Du Bois, PA 15801October 07, 1964Full Service Brick and Mortar
    8215655Brockway Branch1201 E. Main Street, Brockway, PA 15824Febuary 28, 1974Full Service Brick and Mortar
    9215656Weedville Branch18431 Bennetts Valley Hwy, Weedville, PA 15868January 14, 1975Full Service Brick and Mortar
    1011967St. Marys Branch108 East Mill Street, Saint Marys, PA 15857July 28, 1903Full Service Brick and Mortar
    11243635Kersey Branch367 Main Street, Kersey, PA 15846June 25, 1959Full Service Brick and Mortar
    12215657Dubois Mall Branch5355 Shaffer Road, Du Bois, PA 15801March 22, 1979Full Service Brick and Mortar
    148878Downtown Dubois Office2 E. Long Avenue, Du Bois, PA 15801April 07, 1934Full Service Brick and Mortar
    15231180West End Drive-Up Branch1164 Philadelphia Street, Indiana, PA 15701March 08, 1961Limited Service Facility
    16231181Plumville Branch224 Main Street Po Box 687, Plumville, PA 16246January 19, 1956Full Service Brick and Mortar
    17231182South Fork Branch427 Maple Street, South Fork, PA 15956March 10, 1958Full Service Brick and Mortar
    18231183119 Drive-Up Branch1090 Wayne Ave, Indiana, PA 15701September 16, 1964Limited Service Facility
    19231184Blairsville Office53 East Market Street, Blairsville, PA 15717December 28, 1967Full Service Brick and Mortar
    20231185Regency Mall Branch1540 Oakland Avenue, Unit 4, Indiana, PA 15701September 30, 1969Full Service Brick and Mortar
    2110475Kiski Valley Branch152 Grant Street, Vandergrift, PA 15690September 17, 1945Full Service Brick and Mortar
    22231186Punxy Plaza Branch573 West Mahoning Street, Punxsutawney, PA 15767November 05, 1971Full Service Brick and Mortar
    239218Patton Branch436 Magee Avenue, Patton, PA 16668September 08, 1934Full Service Brick and Mortar
    24349Cherry Tree Office11 South Main Street, Cherry Tree, PA 15724January 02, 1923Full Service Brick and Mortar
    25231187Homer Center Branch2254 Route 119, Homer City, PA 15748July 30, 1974Full Service Brick and Mortar
    27451Houtzdale Branch709 Hannah Street, Houtzdale, PA 16651January 01, 1918Full Service Brick and Mortar
    28231189New Stanton Branch803 South Center Avenue, Hunker, PA 15639January 06, 1975Full Service Brick and Mortar
    31231193Clearfield Branch14303 Clearfield-Shawville Highway, Clearfield, PA 16830October 16, 1978Full Service Brick and Mortar
    335065Downtown Leechburg Office152 Market Street, Leechburg, PA 15656September 18, 1900Full Service Brick and Mortar
    34216946Allegheny Township Branch1147 South Leechburg Hill, Leechburg, PA 15656April 18, 1960Full Service Brick and Mortar
    35216947Parks Office Drive - Up200 Market Street, Leechburg, PA 15656December 01, 1964Limited Service Facility
    495357Jennerstown Office Branch1626 Pitt Street, Boswell, PA 15531August 15, 1924Full Service Brick and Mortar
    50218409Ligonier Valley Branch1506 Rt 30, Ligonier, PA 15658September 10, 1969Full Service Brick and Mortar
    51218410Somerset Branch2040 North Center Avenue, Somerset, PA 15501October 11, 1971Full Service Brick and Mortar
    52218411Jerome Office1653 Penn Ave, Hollsopple, PA 15935December 01, 1980Full Service Brick and Mortar
    544846Downtown Johnstown Office217 Franklin Street, Johnstown, PA 15901January 01, 1921Full Service Brick and Mortar
    55215622Eighth Ward Branch1047 Franklin Street, Johnstown, PA 15905January 02, 1968Full Service Brick and Mortar
    56215624Westmont Branch1541 Menoher Boulevard, Johnstown, PA 15905Febuary 03, 1986Full Service Brick and Mortar
    578854Windber Branch1400 Graham Avenue, Windber, PA 15963March 27, 1934Full Service Brick and Mortar
    58231134Richland Branch1001 Scalp Avenue, Johnstown, PA 15904December 18, 1959Full Service Brick and Mortar
    59231135University Branch3112 Elton Road, Johnstown, PA 15904October 15, 1973Full Service Brick and Mortar
    61231137Central City Branch525 Sunshine Avenue, Central City, PA 15926December 30, 1975Full Service Brick and Mortar
    627100Pleasantville Branch4327 Quaker Valley Road, Alum Bank, PA 15521January 01, 1919Full Service Brick and Mortar
    63224061Osterburg Branch8470 William Penn Road, Osterburg, PA 16667November 14, 1973Full Service Brick and Mortar
    64231138Benscreek Shopping Center Branch131 Fleming Ave, Johnstown, PA 15905December 21, 1984Full Service Brick and Mortar
    668752Downtown New Castle Office27 East Washington Street, New Castle, PA 16101Febuary 26, 1934Full Service Brick and Mortar
    67230769Bessemer Branch409 East Poland Avenue, Bessemer, PA 16112Febuary 21, 1949Full Service Brick and Mortar
    70230772Union Square Branch2547 West State St, New Castle, PA 16101November 16, 1959Full Service Brick and Mortar
    71230773Beaver Valley Office80 Wagner Road, Monaca, PA 15061December 15, 1969Full Service Brick and Mortar
    72230775Neshannock Branch3430 Wilmington Road, New Castle, PA 16105October 03, 1994Full Service Brick and Mortar
    734841Meadows BranchRt 220 And North Juniata St, Hollidaysburg, PA 16648July 24, 1912Full Service Brick and Mortar
    74215604Duncansville Branch1525 Third Avenue, Duncansville, PA 16635December 07, 1953Full Service Brick and Mortar
    76215606Logan Valley Mall Branch5580 Goods Lane, Ste 1012, Altoona, PA 16602August 29, 1966Full Service Brick and Mortar
    78215610Claysburg Branch311 Ski Gap Road, Claysburg, PA 16625August 09, 1983Full Service Brick and Mortar
    80215612Ebensburg Branch708 West High Street, Ebensburg, PA 15931November 03, 1986Full Service Brick and Mortar
    81215614Northern Cambria Branch920 Philadelphia Avenue, Northern Cambria, PA 15714September 01, 1985Full Service Brick and Mortar
    84215616Station Mall Branch1531 Ninth Avenue, Altoona, PA 16602November 25, 1988Full Service Brick and Mortar
    87215874Salem 22 Plaza Branch6514 Route 22, Delmont, PA 15626June 26, 1989Full Service Brick and Mortar
    88215659Southtowne Plaza Branch3100 Oakland Ave., Unit 27, Indiana, PA 15701July 16, 1966Full Service Brick and Mortar
    8940774Bridgeville Office428 Station Street, Bridgeville, PA 15017January 01, 1925Full Service Brick and Mortar
    90264226Mcdonald Branch311 West Barr St, Mc Donald, PA 15057January 01, 1925Full Service Brick and Mortar
    92215660Pleasant Valley Branch2009 Pleasant Valley Blvd, Altoona, PA 16602January 06, 1997Full Service Brick and Mortar
    93215661Harmar Office55 Alpha Drive West, Pittsburgh, PA 15238March 30, 1998Full Service Brick and Mortar
    94215662Bellwood Branch2984 E Pleasant Valley Blvd, Bellwood, PA 16617March 06, 1998Full Service Brick and Mortar
    95361101Bedford Branch9503 Lincoln Hwy, Lincoln Center, Bedford, PA 15522January 01, 2001Full Service Brick and Mortar
    965090Downtown Greensburg Office111 South Main Street, Greensburg, PA 15601January 01, 1934Full Service Brick and Mortar
    97217599Harrison Township Branch1880 Heights Plaza, Natrona Heights, PA 15065July 01, 1955Full Service Brick and Mortar
    988780Tarentum Branch331 East Sixth Street, Tarentum, PA 15084March 13, 1934Full Service Brick and Mortar
    99230873East Hills Office750 East Pittsburgh Street, Greensburg, PA 15601March 23, 1964Full Service Brick and Mortar
    100230874New Alexandria Branch8291 State Rt. 22, New Alexandria, PA 15670Febuary 29, 1960Full Service Brick and Mortar
    101230875Export Branch5780 Kennedy Avenue, Export, PA 15632November 14, 1966Full Service Brick and Mortar
    102230876Murrysville Branch3880 Old William Penn Highway, Murrysville, PA 15668June 26, 1961Full Service Brick and Mortar
    103230877Delmont Branch38 Greensburg Street, Delmont, PA 15626June 08, 1964Full Service Brick and Mortar
    104217600Mountain View Village Branch110 Village Dr, Greensburg, PA 15601June 18, 1973Full Service Brick and Mortar
    105217601Greengate Plaza Branch4000 Hempfield Plaza Blvd Ste 901, Greensburg, PA 15601May 16, 1977Full Service Brick and Mortar
    1068824Derry Branch200 South Chestnut Street, Derry, PA 15627January 01, 1934Full Service Brick and Mortar
    1075093Youngwood Branch5 South Fourth Street, Youngwood, PA 15697October 31, 1902Full Service Brick and Mortar
    108217602New Stanton Drive-Up320 North Center Avenue, New Stanton, PA 15672January 01, 1987Limited Service Facility
    109271288Latrobe Branch2501 Sharky's Drive, Latrobe, PA 15650January 01, 1871Full Service Brick and Mortar
    110364816Sarver Branch105 Capitol Park Drive, Sarver, PA 16055May 17, 2002Full Service Brick and Mortar
    112279030Butler Branch100 North Main Street, Butler, PA 16001April 28, 1942Full Service Brick and Mortar
    113279032Mount Lebanon Branch301 Mount Lebanon Blvd, Pittsburgh, PA 15234October 16, 1995Full Service Retail
    114265916Dormont Branch2905 West Liberty Avenue, Pittsburgh, PA 15216January 01, 1909Full Service Brick and Mortar
    115279034North Fayette Branch550 Market Place Drive, Oakdale, PA 15071March 15, 1999Full Service Brick and Mortar
    116334356Bloomfield Branch4900 Liberty Avenue, Pittsburgh, PA 15224Febuary 22, 2000Full Service Brick and Mortar
    118361476Wexford Branch1001 Village Run Road, Wexford, PA 15090August 14, 2000Full Service Brick and Mortar
    11940504Whitehall Branch4750 Clairton Boulevard, Pittsburgh, PA 15236January 01, 1914Full Service Brick and Mortar
    120262754Waterfront Branch500 East Waterfront Dr, Homestead, PA 15120January 01, 1914Full Service Brick and Mortar
    122262756Mckeesport Branch225 Fifth Ave, Mckeesport, PA 15132January 01, 1914Full Service Brick and Mortar
    123262757Forest Hills Branch2210 Ardmore Boulevard, Pittsburgh, PA 15221January 01, 1914Full Service Brick and Mortar
    124262759Elizabeth Branch548 Rock Run Road, Elizabeth, PA 15037January 01, 1914Full Service Brick and Mortar
    125262760Munhall Branch4600 Main Street, Munhall, PA 15120January 01, 1914Full Service Brick and Mortar
    126262762Caste Village BranchBaptist And Grove Rd., Pittsburgh, PA 15236March 01, 1992Full Service Brick and Mortar
    127262763White Oak Branch1527 Lincoln Way, White Oak, PA 15131June 28, 1993Full Service Brick and Mortar
    133262766West Mifflin Branch6015 Mountain View Drive, West Mifflin, PA 15122Febuary 18, 1997Full Service Brick and Mortar
    135356617Regent Square Branch1105 South Braddock Avenue, Pittsburgh, PA 15218August 03, 1998Full Service Brick and Mortar
    136443423Trinity Point Office Branch10 Trinity Place, Washington, PA 15301March 21, 2005Full Service Brick and Mortar
    137443566Peters Township Office Branch4198 Washington Road, Mc Murray, PA 15317March 21, 2005Full Service Brick and Mortar
    139452337Robinson Township Office198 Park Manor Drive, Pittsburgh, PA 15205June 19, 2006Full Service Brick and Mortar
    140453438Pittsburgh Mills Office Branch2000 Pittsburgh Mills Blvd, Tarentum, PA 15084July 14, 2005Full Service Brick and Mortar
    141453439Adams Township Office Branch6999 Crider Road, Mars, PA 16046December 12, 2005Full Service Brick and Mortar
    14240790Allison Park Office2724 Harts Run Road, Allison Park, PA 15101January 01, 1887Full Service Brick and Mortar
    144264312Mt Royal Branch1416 Mt Royal Blvd, Glenshaw, PA 15116January 01, 1887Full Service Brick and Mortar
    145264313Morningside Branch1801 Jancey Street, Pittsburgh, PA 15206January 01, 1887Full Service Brick and Mortar
    146264314Russellton Branch744 Little Deer Creek Valley Road, Russellton, PA 15076January 01, 1887Full Service Brick and Mortar
    147264315Saxonburg Branch125 West Main Street, Saxonburg, PA 16056January 01, 1887Full Service Brick and Mortar
    14843398Shaler Branch900 Saxonburg Blvd, Pittsburgh, PA 15223January 01, 1891Full Service Brick and Mortar
    149280877Lawrenceville Branch5200 Butler Street, Pittsburgh, PA 15201October 14, 1997Full Service Brick and Mortar
    150466411South Side Works Office Branch2501 East Carson Street, Pittsburgh, PA 15203September 25, 2006Full Service Brick and Mortar
    151466412Gibsonia Office Branch5167 William Flynn Highway, Gibsonia, PA 15044April 23, 2007Full Service Brick and Mortar
    152473740Squirrel Hill5847 Forbes Avenue, Pittsburgh, PA 15217March 10, 2008Full Service Brick and Mortar
    153480021Mccandless Branch11 Pine Creek Road, Wexford, PA 15090August 04, 2008Full Service Brick and Mortar
    154480448Cranberry Freedom Square Branch1189 Freedom Road, Cranberry Township, PA 16066November 13, 2007Full Service Brick and Mortar
    155493348Green Tree Office Branch339 Mansfield Avenue, Pittsburgh, PA 15220November 17, 2008Full Service Brick and Mortar
    156493349Butler Crossing Branch520 Butler Crossing, Butler, PA 16001March 02, 2009Full Service Brick and Mortar
    157508675Grant Street Branch510 Grant Street Ste 150, Pittsburgh, PA 15219May 17, 2010Full Service Brick and Mortar
    158514299Dick's Headquarters Branch345 Court Street, Coraopolis, PA 15108November 12, 2010Full Service Brick and Mortar

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