Schedule of Capital Amount and Ratio Considered to be Capitalized |
To be considered well-capitalized, the Company must maintain minimum Total risk-based capital, Tier I risk-based capital, Tier I leverage ratio and Common equity tier I risk-based capital as set forth in the table below: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital Required - Basel III Phase-In Schedule | | Minimum Capital Required - Basel III Fully Phased-In | | Required to be Considered Well Capitalized | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | (dollars in thousands) | As of December 31, 2018 | | | | | | | | | | | | | | | | Total Capital to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 918,786 |
| | 14.65 | % | | $ | 619,173 |
| | 9.88 | % | | $ | 658,361 |
| | 10.50 | % | | $ | 627,011 |
| | 10.00 | % | First Commonwealth Bank | 885,151 |
| | 14.14 |
| | 618,213 |
| | 9.88 |
| | 657,341 |
| | 10.50 |
| | 626,039 |
| | 10.00 |
| Tier I Capital to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 767,881 |
| | 12.25 | % | | $ | 493,771 |
| | 7.88 | % | | $ | 532,959 |
| | 8.50 | % | | $ | 501,608 |
| | 8.00 | % | First Commonwealth Bank | 734,246 |
| | 11.73 |
| | 493,005 |
| | 7.88 |
| | 532,133 |
| | 8.50 |
| | 500,831 |
| | 8.00 |
| Tier I Capital to Average Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 767,881 |
| | 10.28 | % | | $ | 298,856 |
| | 4.00 | % | | $ | 298,856 |
| | 4.00 | % | | $ | 373,570 |
| | 5.00 | % | First Commonwealth Bank | 734,246 |
| | 9.84 |
| | 298,340 |
| | 4.00 |
| | 298,340 |
| | 4.00 |
| | 372,926 |
| | 5.00 |
| Common Equity Tier I to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 697,881 |
| | 11.13 | % | | $ | 399,719 |
| | 6.38 | % | | $ | 438,907 |
| | 7.00 | % | | $ | 407,557 |
| | 6.50 | % | First Commonwealth Bank | 734,246 |
| | 11.73 |
| | 399,100 |
| | 6.38 |
| | 438,227 |
| | 7.00 |
| | 406,925 |
| | 6.50 |
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital Required - Basel III Phase-In Schedule | | Minimum Capital Required - Basel III Fully Phased-In | | Required to be Considered Well Capitalized | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | (dollars in thousands) | As of December 31, 2017 | | | | | | | | | | | | | | | | Total Capital to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 745,473 |
| | 12.34 | % | | $ | 558,728 |
| | 9.25 | % | | $ | 634,232 |
| | 10.50 | % | | $ | 604,030 |
| | 10.00 | % | First Commonwealth Bank | 712,341 |
| | 11.83 |
| | 556,872 |
| | 9.25 |
| | 632,124 |
| | 10.50 |
| | 602,023 |
| | 10.00 |
| Tier I Capital to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 691,993 |
| | 11.46 | % | | $ | 437,922 |
| | 7.25 | % | | $ | 513,426 |
| | 8.50 | % | | $ | 483,224 |
| | 8.00 | % | First Commonwealth Bank | 658,861 |
| | 10.94 |
| | 436,467 |
| | 7.25 |
| | 511,720 |
| | 8.50 |
| | 481,619 |
| | 8.00 |
| Tier I Capital to Average Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 691,993 |
| | 9.74 | % | | $ | 284,100 |
| | 4.00 | % | | $ | 284,100 |
| | 4.00 | % | | $ | 355,125 |
| | 5.00 | % | First Commonwealth Bank | 658,861 |
| | 9.30 |
| | 283,344 |
| | 4.00 |
| | 283,344 |
| | 4.00 |
| | 354,180 |
| | 5.00 |
| Common Equity Tier I to Risk Weighted Assets | | | | | | | | | | | | | | | | First Commonwealth Financial Corporation | $ | 623,252 |
| | 10.32 | % | | $ | 347,317 |
| | 5.75 | % | | $ | 422,821 |
| | 7.00 | % | | $ | 392,620 |
| | 6.50 | % | First Commonwealth Bank | 658,861 |
| | 10.94 |
| | 346,163 |
| | 5.75 |
| | 421,416 |
| | 7.00 |
| | 391,315 |
| | 6.50 |
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