First Commonwealth Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First Commonwealth Bank is a community bank with offices located throughout 15 counties in central and western Pennsylvania. Significantly sized to deliver all of the services of a large bank, yet small enough to allow for one-on-one, individualized relationships with clients, including consumer, small business and commercial banking services as well as insurance, investments, trust and estate planning.

First Commonwealth Bank provides an extensive network of community offices and ATMs throughout western and central Pennsylvania. Banks community offices provide services from personal financing options, small business loans and corporate financing.

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