|         |                                                                                                                                                                            |
|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| • | Improvement in return on average assets, return on average equity, earnings per share, net interest margin and efficiency compared to the prior quarter and the prior year |

|         |                                                                                                                                           |
|---------|-------------------------------------------------------------------------------------------------------------------------------------------|
| • | First quarter net income improved to $14.2 million, or $0.16 diluted earnings per share.  Net income was impacted by the following items: |

|         |                                                                                                                                                                   |
|---------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Net interest income improved due to an increase in asset yields, reduction in funding costs and a special Federal Home Loan Bank (FHLB) dividend of $1.0 million; |

|         |                                                                                                                                                              |
|---------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Net interest margin expanded 13 basis points to 3.35% as compared to the linked quarter, of which seven basis points were attributable to the FHLB dividend; |

|         |                                                                                                                                                                                                |
|---------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Asset quality continued to improve, with nonperforming loans decreasing $6.0 million, or 10.9%, compared to the prior quarter and the provision for loan losses declining to $1.2 million; and |

|         |                                                                                                                                                                                       |
|---------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Noninterest income, excluding net securities gains, increased $0.7 million, or 5.2%, over the linked quarter, driven by a 23% increase in insurance and retail brokerage commissions. |

----

|                            |
|----------------------------|
|                            |  |  |  |  |  |  |  |  |  |
| (dollars in thousands,     |   |
| except per share data)     |   March 31, | December 31, |   March 31, |
|                       | 2015 | 2014 | 2014 |
| Net Income                 | $ | 14,221 |  | $ | 7,729 |  | $ | 12,300 |  |
| Diluted earnings per share | $ | 0.16 |  | $ | 0.08 |  | $ | 0.13 |  |
| Return on average assets   | 0.91 | % | 0.48 | % | 0.80 | % |
| Return on average equity   | 8.03 | % | 4.26 | % | 6.97 | % |
| Efficiency Ratio           | 64.2 | % | 78.45 | % | 64.98 | % |
| Net Interest Margin (FTE)  | 3.35 | % | 3.22 | % | 3.33 | % |

----

----

----

----

----

|                                                                     |
|---------------------------------------------------------------------|
|                                                                     |  |  |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                            |   |   |
| CONSOLIDATED FINANCIAL DATA                                         |   |   |   |   |   |
| Unaudited                                                           |   |   |   |   |   |
| (dollars in thousands, except per share data)                       |   |   |   |   |   |
|                                                                | For the Three Months Ended |
|                                                                | March 31, |   | December 31, |   | March 31, |
|                                                                | 2015 |   | 2014 |   | 2014 |
| SUMMARY RESULTS OF OPERATIONS                                       |   |   |   |   |
| Net interest income (FTE)(1)                                        | $ | 47,990 |  |   | $ | 46,978 |  |   | $ | 46,468 |  |
| Provision for credit losses                                         | 1,159 |  |   | 2,575 |  |   | 3,231 |  |
| Noninterest income                                                  | 14,191 |  |   | 13,887 |  |   | 14,920 |  |
| Noninterest expense                                                 | 39,854 |  |   | 47,359 |  |   | 39,887 |  |
| Net income                                                          | 14,221 |  |   | 7,729 |  |   | 12,300 |  |
|                                                                |   |   |   |   |   |
| Earnings per common share (diluted)                                 | $ | 0.16 |  |   | $ | 0.08 |  |   | $ | 0.13 |  |
|                                                                |   |   |   |   |   |
| KEY FINANCIAL RATIOS                                                |   |   |   |   |   |
| Return on average assets                                            | 0.91 | % |   | 0.48 | % |   | 0.80 | % |
| Return on average shareholders' equity                              | 8.03 | % |   | 4.26 | % |   | 6.97 | % |
| Efficiency ratio(2)                                                 | 64.20 | % |   | 78.45 | % |   | 64.98 | % |
| Net interest margin (FTE)(1)                                        | 3.35 | % |   | 3.22 | % |   | 3.33 | % |
|                                                                |   |   |   |   |   |
| Book value per common share                                         | $ | 7.95 |  |   | $ | 7.81 |  |   | $ | 7.61 |  |
| Tangible book value per common share(4)                             | 6.13 |  |   | 6.03 |  |   | 5.90 |  |
| Market value per common share                                       | 9.00 |  |   | 9.22 |  |   | 9.04 |  |
| Cash dividends declared per common share                            | 0.07 |  |   | 0.07 |  |   | 0.07 |  |
|                                                                |   |   |   |   |   |
| ASSET QUALITY RATIOS                                                |   |   |   |   |   |
| Nonperforming loans as a percent of end-of-period loans (5)         | 1.11 | % |   | 1.24 | % |   | 1.32 | % |
| Nonperforming assets as a percent of total assets (5)               | 0.89 | % |   | 0.99 | % |   | 1.08 | % |
| Net charge-offs as a percent of average loans (annualized)          | 0.59 | % |   | 0.12 | % |   | 0.28 | % |
| Allowance for credit losses as a percent of nonperforming loans (6) | 101.09 | % |   | 94.21 | % |   | 96.98 | % |
| Allowance for credit losses as a percent of end-of-period loans (6) | 1.05 | % |   | 1.17 | % |   | 1.28 | % |
|                                                                |   |   |   |   |   |
| CAPITAL RATIOS                                                      |   |   |   |   |   |
| Shareholders' equity as a percent of total assets                   | 11.3 | % |   | 11.3 | % |   | 11.5 | % |
| Tangible common equity as a percent of tangible assets (3)          | 8.9 | % |   | 8.9 | % |   | 9.2 | % |
| Leverage Ratio                                                      | 9.9 | % |   | 9.9 | % |   | 10.0 | % |
| Risk Based Capital - Tier I                                         | 11.4 | % |   | 11.7 | % |   | 12.4 | % |
| Risk Based Capital - Total                                          | 12.3 | % |   | 12.8 | % |   | 13.6 | % |
| Common Equity Tier I                                                | 10.1 | % |   | 10.4 | % |   | 11.0 | % |
|                                                                |   |   |   |   |   |
| (5) - Includes held for sale loans.                            |   |   |   |   |   |
| (6) - Excludes held for sale loans.                            |   |   |   |   |   |

----

|                                                                                                                                            |
|--------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                            |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                                                                                                   |   |
| CONSOLIDATED FINANCIAL DATA                                                                                                                |   |   |   |
| Unaudited                                                                                                                                  |   |   |   |
| (dollars in thousands, except per share data)                                                                                              |   |   |   |
|                                                                                                                                       | For the Three Months Ended |
|                                                                                                                                       | March 31, | December 31, | March 31, |
|                                                                                                                                       | 2015 | 2014 | 2014 |
| INCOME STATEMENT                                                                                                                           |   |   |   |
|    Interest income                                                                                                          | $ | 51,085 |  | $ | 50,420 |  | $ | 50,506 |  |
|    Interest expense                                                                                                         | 3,913 |  | 4,267 |  | 4,915 |  |
| Net Interest Income                                                                                                                        | 47,172 |  | 46,153 |  | 45,591 |  |
|    Taxable equivalent adjustment(1)                                                                                         | 818 |  | 825 |  | 877 |  |
| Net Interest Income  (FTE)                                                                                                                 | 47,990 |  | 46,978 |  | 46,468 |  |
|    Provision for credit losses                                                                                              | 1,159 |  | 2,575 |  | 3,231 |  |
| Net Interest Income after Provision for Credit Losses (FTE)                                                                                | 46,831 |  | 44,403 |  | 43,237 |  |
|                                                                                                                                       |   |   |   |
|    Net securities gains                                                                                                     | 105 |  | 500 |  | — |  |
|    Trust income                                                                                                             | 1,421 |  | 1,413 |  | 1,435 |  |
|    Service charges on deposit accounts                                                                                      | 3,318 |  | 3,629 |  | 3,792 |  |
|    Insurance and retail brokerage commissions                                                                               | 2,195 |  | 1,779 |  | 1,395 |  |
|    Income from bank owned life insurance                                                                                    | 1,354 |  | 1,371 |  | 1,369 |  |
|    Gain on sale of assets                                                                                                   | 663 |  | 508 |  | 1,581 |  |
|    Card related interchange income                                                                                          | 3,418 |  | 3,602 |  | 3,366 |  |
|    Other income                                                                                                             | 1,717 |  | 1,085 |  | 1,982 |  |
| Total Noninterest Income                                                                                                                   | 14,191 |  | 13,887 |  | 14,920 |  |
|                                                                                                                                       |   |   |   |
|    Salaries and employee benefits                                                                                           | 21,892 |  | 22,038 |  | 21,044 |  |
|    Net occupancy expense                                                                                                    | 3,911 |  | 3,150 |  | 3,506 |  |
|    Furniture and equipment expense (7)                                                                                 | 2,680 |  | 2,762 |  | 5,330 |  |
|    Data processing expense                                                                                                  | 1,438 |  | 1,531 |  | 1,468 |  |
|    Pennsylvania shares tax expense                                                                                          | 794 |  | 994 |  | 711 |  |
|    Intangible amortization                                                                                                  | 156 |  | 101 |  | 178 |  |
|    Collection and repossession expense                                                                                      | 511 |  | 813 |  | 709 |  |
|    Other professional fees and services                                                                                     | 930 |  | 1,209 |  | 1,024 |  |
|    FDIC insurance                                                                                                           | 1,059 |  | 1,028 |  | 1,049 |  |
|    Litigation and operational losses (recoveries)                                                                           | 1,000 |  | 7,059 |  | (689 | ) |
|    Loss on sale or write-down of assets                                                                                     | 262 |  | 354 |  | 435 |  |
|    Conversion related expenses (8)                                                                                          | — |  | 112 |  | 354 |  |
|    Other operating expenses                                                                                                 | 5,221 |  | 6,208 |  | 4,768 |  |
| Total Noninterest Expense                                                                                                                  | 39,854 |  | 47,359 |  | 39,887 |  |
|                                                                                                                                       |   |   |   |
| Income before Income Taxes                                                                                                                 | 21,168 |  | 10,931 |  | 18,270 |  |
|    Taxable equivalent adjustment(1)                                                                                         | 818 |  | 825 |  | 877 |  |
|    Income tax provision                                                                                                     | 6,129 |  | 2,377 |  | 5,093 |  |
| Net Income                                                                                                                                 | $ | 14,221 |  | $ | 7,729 |  | $ | 12,300 |  |
|                                                                                                                                       |   |   |   |
| Shares Outstanding at End of Period                                                                                                        | 89,656,007 |  | 91,723,028 |  | 94,223,883 |  |
| Average Shares Outstanding Assuming Dilution                                                                                               | 90,889,035 |  | 91,598,411 |  | 94,568,059 |  |
|                                                                                                                                       |   |   |   |
| (7) - Includes $2.1 million of accelerated depreciation expense related to the technology conversion for the three month period ended |
|       March 31, 2014.                                                                                        |   |   |   |
| (8) - Does not include accelerated depreciation expense described in Note 7.                                                          |   |   |   |

----

|                                                                  |
|------------------------------------------------------------------|
|                                                                  |  |  |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                         |   |   |   |
| CONSOLIDATED FINANCIAL DATA                                      |   |   |   |   |   |
| Unaudited                                                        |   |   |   |   |   |
| (dollars in thousands)                                           |   |   |   |   |   |
|                                                             |   |   |   |   |   |
|                                                             |   |   |   |   |   |
|                                                             | March 31, |   | December 31, |   | March 31, |
|                                                             | 2015 |   | 2014 |   | 2014 |
| BALANCE SHEET (Period End)                                       |   |   |   |   |   |
| Assets                                                           |   |   |   |   |   |
|    Cash and due from banks                        | $ | 62,161 |  |   | $ | 72,276 |  |   | $ | 82,327 |  |
|    Interest-bearing bank deposits                 | 3,124 |  |   | 2,262 |  |   | 9,087 |  |
|    Securities available for sale, at fair value   | 1,316,361 |  |   | 1,354,364 |  |   | 1,385,086 |  |
|    Securities held to maturity, at amortized cost | 30,253 |  |   | — |  |   | — |  |
|    Loans held for sale                            | 5,892 |  |   | 2,502 |  |   | — |  |
|                                                             |   |   |   |   |   |
|      Loans                              | 4,437,601 |  |   | 4,457,308 |  |   | 4,252,213 |  |
|      Allowance for credit losses        | (46,697 | ) |   | (52,051 | ) |   | (54,506 | ) |
|    Net loans                                      | 4,390,904 |  |   | 4,405,257 |  |   | 4,197,707 |  |
|                                                             |   |   |   |   |   |
|    Goodwill and other intangibles                 | 162,937 |  |   | 163,094 |  |   | 160,504 |  |
|    Other assets                                   | 360,210 |  |   | 360,530 |  |   | 374,686 |  |
| Total Assets                                                     | $ | 6,331,842 |  |   | $ | 6,360,285 |  |   | $ | 6,209,397 |  |
|                                                             |   |   |   |   |   |
| Liabilities and Shareholders' Equity                             |   |   |   |   |   |
|    Noninterest-bearing demand deposits            | $ | 1,039,929 |  |   | $ | 989,027 |  |   | $ | 966,956 |  |
|                                                             |   |   |   |   |   |
|      Interest-bearing demand deposits   | 73,112 |  |   | 81,851 |  |   | 91,399 |  |
|      Savings deposits                   | 2,462,986 |  |   | 2,402,288 |  |   | 2,474,923 |  |
|      Time deposits                      | 717,722 |  |   | 842,345 |  |   | 1,114,539 |  |
|    Total interest-bearing deposits                | 3,253,820 |  |   | 3,326,484 |  |   | 3,680,861 |  |
|                                                             |   |   |   |   |   |
|    Total deposits                                 | 4,293,749 |  |   | 4,315,511 |  |   | 4,647,817 |  |
|                                                             |   |   |   |   |   |
|      Short-term borrowings              | 1,125,520 |  |   | 1,105,876 |  |   | 572,965 |  |
|      Long-term borrowings               | 136,491 |  |   | 161,626 |  |   | 216,435 |  |
|    Total borrowings                               | 1,262,011 |  |   | 1,267,502 |  |   | 789,400 |  |
|                                                             |   |   |   |   |   |
|    Other liabilities                              | 63,222 |  |   | 61,127 |  |   | 55,397 |  |
|    Shareholders' equity                           | 712,860 |  |   | 716,145 |  |   | 716,783 |  |
| Total Liabilities and Shareholders' Equity                       | $ | 6,331,842 |  |   | $ | 6,360,285 |  |   | $ | 6,209,397 |  |
|                                                             |   |   |   |   |   |
|                                                             |   |   |   |   |   |
|                                                             |   |   |   |   |   |

----

|                                          |
|------------------------------------------|
|                                          |
| FIRST COMMONWEALTH FINANCIAL CORPORATION |
| CONSOLIDATED FINANCIAL DATA              |
| Unaudited                                |
| (dollars in thousands)                   |

|                                                                                     |
|-------------------------------------------------------------------------------------|
|                                                                                     |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|                                                                                | For the Three Months Ended |   |
|                                                                                | March 31, | Yield/ | December 31, | Yield/ | March 31, | Yield/ |
|                                                                                | 2015 | Rate | 2014 | Rate | 2014 | Rate |
| NET INTEREST MARGIN                                                                 |   |   |   |   |
|                                                                                |   |   |   |   |   |   |
| Assets                                                                              |   |   |   |   |   |   |
|    Loans (FTE)(1)                                                    | $ | 4,478,240 |  | 3.92 | % | $ | 4,430,036 |  | 3.89 | % | $ | 4,307,373 |  | 4.14 | % |
|    Securities and interest bearing bank deposits (FTE)(1)            | 1,339,682 |  | 2.60 | % | 1,367,020 |  | 2.26 | % | 1,350,917 |  | 2.22 | % |
|        Total Interest-Earning Assets (FTE)(1)    | 5,817,922 |  | 3.62 | % | 5,797,056 |  | 3.51 | % | 5,658,290 |  | 3.68 | % |
|    Noninterest-earning assets                                        | 540,469 |  |   | 546,385 |  |   | 564,689 |  |   |
| Total Assets                                                                        | $ | 6,358,391 |  |   | $ | 6,343,441 |  |   | $ | 6,222,979 |  |   |
|                                                                                |   |   |   |   |   |   |
| Liabilities and Shareholders' Equity                                                |   |   |   |   |   |   |
|    Interest-bearing demand and savings deposits                      | $ | 2,501,145 |  | 0.10 | % | $ | 2,475,405 |  | 0.10 | % | $ | 2,557,406 |  | 0.10 | % |
|    Time deposits                                                     | 789,272 |  | 0.77 | % | 917,056 |  | 0.83 | % | 1,130,062 |  | 1.03 | % |
|    Short-term borrowings                                             | 1,141,098 |  | 0.34 | % | 1,011,612 |  | 0.33 | % | 653,045 |  | 0.29 | % |
|    Long-term borrowings                                              | 147,389 |  | 2.22 | % | 174,288 |  | 1.98 | % | 216,503 |  | 1.76 | % |
|        Total Interest-Bearing Liabilities        | 4,578,904 |  | 0.35 | % | 4,578,361 |  | 0.37 | % | 4,557,016 |  | 0.44 | % |
|    Noninterest-bearing deposits                                      | 1,002,498 |  |   | 995,508 |  |   | 896,286 |  |   |
|    Other liabilities                                                 | 58,674 |  |   | 49,407 |  |   | 53,563 |  |   |
|    Shareholders' equity                                              | 718,315 |  |   | 720,165 |  |   | 716,114 |  |   |
|        Total Noninterest-Bearing Funding Sources | 1,779,487 |  |   | 1,765,080 |  |   | 1,665,963 |  |   |
| Total Liabilities and Shareholders' Equity                                          | $ | 6,358,391 |  |   | $ | 6,343,441 |  |   | $ | 6,222,979 |  |   |
|                                                                                |   |   |   |   |   |   |
|                                                                                |   |   |   |   |   |   |
| Net Interest Margin (FTE) (annualized)(1)                                           |   | 3.35 | % |   | 3.22 | % |   | 3.33 | % |

----

|                                                                                         |
|-----------------------------------------------------------------------------------------|
|                                                                                         |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                                                |   |
| CONSOLIDATED FINANCIAL DATA                                                             |   |   |   |
| Unaudited                                                                               |   |   |   |
| (dollars in thousands)                                                                  |   |   |   |
|                                                                                    |   |   |   |
|                                                                                    | March 31, | December 31, | March 31, |
|                                                                                    | 2015 | 2014 | 2014 |
| ASSET QUALITY DETAIL                                                                    |   |   |   |
| Nonperforming Loans:                                                                    |   |   |   |
| Loans on nonaccrual basis                                                               | $ | 24,587 |  | $ | 25,715 |  | $ | 33,353 |  |
| Troubled debt restructured loans held for sale on nonaccrual basis                      | 3,011 |  | — |  | — |  |
| Troubled debt restructured loans on nonaccrual basis                                    | 8,978 |  | 16,952 |  | 12,327 |  |
| Troubled debt restructured loans on accrual basis                                       | 12,630 |  | 12,584 |  | 10,523 |  |
|        Total Nonperforming Loans                     | $ | 49,206 |  | $ | 55,251 |  | $ | 56,203 |  |
| Other real estate owned ("OREO")                                                        | 7,025 |  | 7,197 |  | 10,080 |  |
| Repossessions ("Repo")                                                                  | 417 |  | 432 |  | 544 |  |
|        Total Nonperforming Assets                    | $ | 56,648 |  | $ | 62,880 |  | $ | 66,827 |  |
| Loans past due in excess of 90 days and still accruing                                  | $ | 4,245 |  | $ | 2,619 |  | $ | 2,450 |  |
| Classified loans                                                                        | 58,393 |  | 67,756 |  | 81,229 |  |
| Criticized loans                                                                        | 122,216 |  | 140,126 |  | 147,456 |  |
| Nonperforming assets as a percentage of total loans,                                    |   |   |   |
|    plus OREO and Repos                                                   | 1.27 | % | 1.41 | % | 1.57 | % |
| Allowance for credit losses                                                             | $ | 46,697 |  | $ | 52,051 |  | $ | 54,506 |  |
|                                                                                    |   |   |   |
|                                                                                    |   |   |   |
|                                                                                    | For the Three Months Ended |
|                                                                                    | March 31, | December 31, | March 31, |
|                                                                                    | 2015 | 2014 | 2014 |
| Net Charge-offs (Recoveries):                                                           |   |   |   |
|        Commercial, financial, agricultural and other | $ | 4,880 |  | $ | 445 |  | $ | 1,516 |  |
|        Real estate construction                      | — |  | (871 | ) | (169 | ) |
|        Commercial real estate                        | 64 |  | (141 | ) | 120 |  |
|        Residential real estate                       | 470 |  | 637 |  | 851 |  |
|        Loans to individuals                          | 1,099 |  | 1,238 |  | 632 |  |
| Net Charge-offs                                                                         | $ | 6,513 |  | $ | 1,308 |  | $ | 2,950 |  |
|                                                                                    |   |   |   |
| Net charge-offs as a percentage of average loans                                        |   |   |   |
|   outstanding (annualized)                                                    | 0.59 | % | 0.12 | % | 0.28 | % |
| Provision for credit losses as a percentage of net charge-offs                          | 17.80 | % | 196.87 | % | 109.53 | % |
| Provision for credit losses                                                             | $ | 1,159 |  | $ | 2,575 |  | $ | 3,231 |  |
|                                                                                    |   |   |   |
|                                                                                    |   |   |   |

----

|                                               |
|-----------------------------------------------|
|                                               |
| FIRST COMMONWEALTH FINANCIAL CORPORATION      |
| CONSOLIDATED FINANCIAL DATA                   |
| Unaudited                                     |
| (dollars in thousands, except per share data) |

|                                                                                                                                                                        |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                        |  |  |  |  |  |  |  |  |  |  |  |  |
| RECONCILIATION OF NON-GAAP MEASURES                                                                                                                                    |   |   |   |   |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
| (1) Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the 35% federal income tax                                            |
|     statutory rate.                                                                                                                                |
| (2) Efficiency ratio is "total noninterest expense" as a percentage of total revenue. Total revenue consists of "net interest                                     |
|     income, on a fully taxable equivalent basis," plus "total noninterest income," excluding "net impairment losses" and "net                      |
|     securities gains."                                                                                                                             |
|                                                                                                                                                              |
|                                                                                                                                                                   | March 31, |   | December 31, |   | March 31, |   |
|                                                                                                                                                                   | 2015 |   | 2014 |   | 2014 |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
| Tangible Equity:                                                                                                                                                       |   |   |   |   |   |   |
|    Total shareholders' equity                                                                                                                           | $ | 712,860 |  |   | $ | 716,145 |  |   | $ | 716,783 |  |   |
|    Less: intangible assets                                                                                                                              | 162,937 |  |   | 163,094 |  |   | 160,504 |  |   |
|        Tangible Equity                                                                                                              | 549,923 |  |   | 553,051 |  |   | 556,279 |  |   |
|    Less: preferred stock                                                                                                                                | — |  |   | — |  |   | — |  |   |
|        Tangible Common Equity                                                                                                       | $ | 549,923 |  |   | $ | 553,051 |  |   | $ | 556,279 |  |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
| Tangible Assets:                                                                                                                                                       |   |   |   |   |   |   |
|    Total assets                                                                                                                                         | $ | 6,331,842 |  |   | $ | 6,360,285 |  |   | $ | 6,209,397 |  |   |
|    Less: intangible assets                                                                                                                              | 162,937 |  |   | 163,094 |  |   | 160,504 |  |   |
|        Tangible Assets                                                                                                              | $ | 6,168,905 |  |   | $ | 6,197,191 |  |   | $ | 6,048,893 |  |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
| (3)Tangible Common Equity as a percentage of                                                                                                                           |   |   |   |   |   |   |
|      Tangible Assets                                                                                                                          | 8.91 | % |   | 8.92 | % |   | 9.20 | % |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
|    Shares Outstanding at End of Period                                                                                                                  | 89,656,007 |  |   | 91,723,028 |  |   | 94,223,883 |  |   |
| (4)Tangible Book Value Per Common Share                                                                                                                                | $ | 6.13 |  |   | $ | 6.03 |  |   | $ | 5.90 |  |   |
|                                                                                                                                                                   |   |   |   |   |   |   |
| Note: Management believes that it is a standard practice in the banking industry to present these non-gaap measures.  These                                            |
|           measures provide useful information to management and investors by allowing them to make peer comparisons. |