FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES SELECTED FINANCIAL DATA (Dollar Amounts in Thousands, except per share data) The following selected financial data is not covered by the auditor’s report and should be read in conjunction with  Management’s Discussion and Analysis of Financial Condition and Results of Operations, which follows, and with the  consolidated financial statements and related notes. Financial statement amounts for prior periods have been reclassified to  conform to the presentation format used in 2003. The reclassifications had no effect on the Corporation’s financial condition or  results of operations. 42 Years Ended December 31, 2003 2002 2001 2000 1999 Interest income $ 243,773 $ 275,568 $ 308,891 $ 311,882 $ 296,089 Interest expense 100,241 122,673  167,170  174,539  152,653 Net interest income  143,532 152,895  141,721  137,343  143,436 Provision for credit losses  12,770 12,223  11,495  10,030  9,450 Net interest income after provision for credit losses  130,762 140,672  130,226  127,313  133,986 Securities gains 5,851 642  3,329  1,745  565 Other operating income  42,593 37,453  37,776  31,938  33,660 Litigation settlement (610) 8,000  -0-  -0-  -0- Restructuring charges -0- 6,140  Other operating expenses  113,265 112,190  105,888  99,461  95,569 Income before taxes 66,551 52,437  65,443  61,535  72,642 Applicable income taxes 13,251 8,911  15,254  14,289  19,612 Net income  $ 53,300 $ 43,526 $ 50,189 $ 47,246 $ 53,030 Per Share Data Net income  $ 0.90 $ 0.75 $ 0.87 $ 0.82 $ 0.88 Dividends declared 0.625 0.605 0.585 0.565 0.515 Average shares outstanding 59,002,277 58,409,614  57,885,478  57,558,929  60,333,092 Per Share Data Assuming Dilution Net income  $ 0.90 $ 0.74 $ 0.86 $ 0.82 $ 0.88 Dividends declared 0.625 0.605 0.585 0.565 0.515 Average shares outstanding 59,387,055 58,742,018  58,118,057  57,618,671  60,569,322 At End of Period Total assets  $ 5,189,195 $ 4,524,743 $ 4,583,530 $ 4,372,312 $ 4,340,846 Investment securities 2,073,430 1,680,609  1,762,408  1,636,337  1,592,389 Loans and leases, net of unearned income 2,824,882 2,608,634  2,567,934  2,490,827  2,500,059 Allowance for credit losses  37,385 34,496  34,157  33,601  33,539 Deposits  3,288,275 3,044,124  3,093,150  3,064,146  2,948,829 Company obligated mandatorily redeemable  capital securities of subsidiary trust  -0- 35,000  35,000  35,000  35,000 Subordinated debentures  75,304 -0-  -0-  -0-  -0- Other long-term debt  718,668 544,934  629,220  621,855  603,355 Shareholders’ equity 430,946 401,390  370,066  334,156  286,683 Key Ratios Return on average assets  1.12% 0.96%  1.11%  1.10%  1.25% Return on average equity  12.95% 11.09%  13.85%  15.65%  15.44% Net loans to deposits ratio  84.77% 84.56%  81.92%  80.19%  83.64% Dividends per share as a percent of  net income per share  69.44% 80.67%  67.24%  68.90%  58.52% Average equity to average assets ratio 8.68% 8.64%  8.01%  7.00%  8.10%