FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Dollar Amounts in Thousands) To Be Well Capitalized Under Actual Regulatory Minimum Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2001 Total Capital to Risk Weighted Assets First Commonwealth Financial Corporation $ 423,649 14.0% $ 241,615 8.0% Not Applicable Not Applicable First Commonwealth Bank $ 299,167 12.4% $ 192,870 8.0% $ 241,087 10.0% Southwest Bank $ 94,835 16.4% $ 46,349 8.0% $ 57,936 10.0% Tier I Capital to Risk Weighted Assets First Commonwealth Financial Corporation $ 389,492 12.9% $ 120,807 4.0% Not Applicable Not Applicable First Commonwealth Bank $ 272,389 11.3% $ 96,435 4.0% $ 144,652 6.0% Southwest Bank $ 87,594 15.1% $ 23,174 4.0% $ 34,762 6.0% Tier I Capital to Average Assets First Commonwealth Financial Corporation $ 389,492 8.5% $ 138,144 3.0% Not Applicable Not Applicable First Commonwealth Bank $ 272,389 7.7% $ 106,422 3.0% $ 177,371 5.0% Southwest Bank $ 87,594 8.5% $ 30,895 3.0% $ 51,492 5.0% As of December 31, 2000 Total Capital to Risk Weighted Assets First Commonwealth Financial Corporation $ 401,516 14.5% $ 221,294 8.0% Not Applicable Not Applicable First Commonwealth Bank $ 283,624 12.9% $ 175,783 8.0% $ 219,728 10.0% Southwest Bank $ 91,416 16.9% $ 43,261 8.0% $ 54,077 10.0% Tier I Capital to Risk Weighted Assets First Commonwealth Financial Corporation $ 367,915 13.3% $ 110,647 4.0% Not Applicable Not Applicable First Commonwealth Bank $ 257,789 11.7% $ 87,891 4.0% $ 131,837 6.0% Southwest Bank $ 84,656 15.7% $ 21,631 4.0% $ 32,446 6.0% Tier I Capital to Average Assets First Commonwealth Financial Corporation $ 367,915 8.5% $ 129,749 3.0% Not Applicable Not Applicable First Commonwealth Bank $ 257,789 7.8% $ 98,994 3.0% $ 164,990 5.0% Southwest Bank $ 84,656 8.5% $ 29,758 3.0% $ 49,596 5.0% Statements of Income Balance Sheets 35 Years Ended December 31, 2001 2000 1999 Interest and dividends $4 2 $ 41 $ 149 Dividends from subsidiaries 40,442 61,664 36,506 Interest expense (3,724) (5,335) (1,758) Net securities gains -0- -0- 57 Other revenue 16 31 15 Operating expenses (7,033)  (7,451) (11,476) Income before taxes and equity in undistributed earnings of subsidiaries 29,743 48,950 23,493 Applicable income tax benefits  3,495  4,340  4,421 Income before equity in undistributed earnings of subsidiaries 33,238 53,290 27,914 Equity in undistributed earnings of subsidiaries 16,951 (6,044) 25,116 Net income $ 50,189 $ 47,246 $ 53,030 December 31, 2001 2000 Assets Cash $ 7,667 $ 6,169 Securities available for sale 270 81 Loans to affiliated parties 540 479 Investment in subsidiaries 387,626 355,680 Investment in jointly-owned company 4,570 3,980 Premises and equipment 6,437 6,813 Dividends receivable from subsidiaries 3,986 3,757 Receivable from subsidiaries 8,099 7,325 Other assets  2,280 2,174 Total assets $ 421,475 $ 386,458 Liabilities and Shareholders’  Equity Accrued expenses and other liabilities $ 2,432 $ 2,493 Dividends payable 8,768 8,439 Loans payable 4,126 5,287 Subordinated debentures payable 36,083 36,083 Shareholders’  equity 370,066 334,156 Total liabilities and shareholders’  equity $ 421,475 $ 386,458 NOTE 26— Condensed Financial Information of First Commonwealth Financial Corporation (parent company only)