XML 58 R47.htm IDEA: XBRL DOCUMENT v2.4.0.6

Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2012

Outstanding Balances of Loan

The following table provides outstanding balances related to each of our loan types as of December 31:

		2012				2011
		(dollars in thousands)
Commercial, financial, agricultural and other		$	1,019,822			$	996,739
Real estate construction			87,438				76,564
Residential real estate			1,241,565				1,137,059
Commercial real estate			1,273,661				1,267,432
Loans to individuals			582,218				565,849
Total loans net of unearned income		$	4,204,704			$	4,043,643

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness category for the years ended December 31:

		2012
		Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commerical real estate				Loans to individuals				Total
		(dollars in thousands)
Pass		$	925,868			$	64,353			$	1,224,849			$	1,119,093			$	582,039			$	3,916,202
Non-Pass
OAEM			31,049				925				5,647				82,581				3				120,205
Substandard			62,905				18,638				11,069				71,987				176				164,775
Doubtful			0				3,522				0				0				0				3,522
Total Non-Pass			93,954				23,085				16,716				154,568				179				288,502
Total		$	1,019,822			$	87,438			$	1,241,565			$	1,273,661			$	582,218			$	4,204,704

		2011
		Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Total
		(dollars in thousands)
Pass		$	904,057			$	44,914			$	1,126,143			$	1,110,664			$	565,842			$	3,751,620
Non-Pass
OAEM			27,627				4,238				5,484				61,855				7				99,211
Substandard			60,114				21,701				5,432				94,913				0				182,160
Doubtful			4,941				5,711				0				0				0				10,652
Total Non-Pass			92,682				31,650				10,916				156,768				7				292,023
Total		$	996,739			$	76,564			$	1,137,059			$	1,267,432			$	565,849			$	4,043,643

Age Analysis of Past Due Loans by Segment

The following tables delineate the aging analysis of the recorded investments in past due loans as of December 31. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.

		2012
		30 - 59 days past due				60 - 89 days past due				90 days and greater and still accruing				Nonaccrual				Total past due and nonaccrual				Current				Total
		(dollars in thousands)
Commercial, financial, agricultural and other		$	991			$	620			$	288			$	29,258			$	31,157			$	988,665			$	1,019,822
Real estate construction			2				19				15				9,778				9,814				77,624				87,438
Residential real estate			6,597				2,357				730				9,283				18,967				1,222,598				1,241,565
Commercial real estate			3,339				1,389				195				46,023				50,946				1,222,715				1,273,661
Loans to individuals			3,140				934				1,219				176				5,469				576,749				582,218
Total		$	14,069			$	5,319			$	2,447			$	94,518			$	116,353			$	4,088,351			$	4,204,704

		2011
		30 - 59 days past due				60 - 89 days past due				90 days and greater and still accruing				Nonaccrual				Total past due and nonaccrual				Current				Total
		(dollars in thousands)
Commercial, financial, agricultural and other		$	5,433			$	824			$	287			$	33,459			$	40,003			$	956,736			$	996,739
Real estate construction			0				180				0				14,911				15,091				61,473				76,564
Residential real estate			7,144				2,100				8,767				3,153				21,164				1,115,895				1,137,059
Commercial real estate			3,671				1,241				157				26,953				32,022				1,235,410				1,267,432
Loans to individuals			2,952				962				1,804				0				5,718				560,131				565,849
Total		$	19,200			$	5,307			$	11,015			$	78,476			$	113,998			$	3,929,645			$	4,043,643

Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance

The following tables include the recorded investment and unpaid principal balance for impaired loans with the associated allowance amount, if applicable, as of December 31, 2012 and 2011. Also presented are the average recorded investment in impaired loans and the related amount of interest recognized while the loan was considered impaired for the years ended December 31, 2012, 2011 and 2010. Average balances are calculated based on month-end balances of the loans for the period reported.

		2012
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
		(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other		$	8,080			$	8,983			$	0			$	9,217			$	173
Real estate construction			8,491				35,555				0				11,912				0
Residential real estate			7,928				8,401				0				8,114				72
Commercial real estate			33,259				35,401				0				28,574				66
Loans to individuals			256				256				0				103				2
Subtotal			58,014				88,596				0				57,920				313
With an allowance recorded:
Commercial, financial, agricultural and other			26,532				27,412				10,331				21,979				9
Real estate construction			2,756				3,087				300				1,457				0
Residential real estate			2,695				2,696				780				1,599				15
Commercial real estate			17,558				17,896				6,367				5,024				32
Loans to individuals			0				0				0				0				0
Subtotal			49,541				51,091				17,778				30,059				56
Total		$	107,555			$	139,687			$	17,778			$	87,979			$	369

		2011
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
		(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other		$	2,010			$	3,418			$	0			$	3,887			$	20
Real estate construction			10,814				20,161				0				23,254				10
Residential real estate			3,125				3,513				0				2,702				9
Commercial real estate			36,777				41,974				0				35,817				799
Loans to individuals			0				0				0				10				0
Subtotal			52,726				69,066				0				65,670				838
With an allowance recorded:
Commercial, financial, agricultural and other			34,056				34,341				9,069				30,456				152
Real estate construction			6,298				21,402				2,960				14,465				0
Residential real estate			955				955				93				615				7
Commercial real estate			4,717				4,863				1,114				28,716				396
Loans to individuals			0				0				0				0				0
Subtotal			46,026				61,561				13,236				74,252				555
Total		$	98,752			$	130,627			$	13,236			$	139,922			$	1,393

		2010
		Average Recorded Investment				Interest Income Recognized
		(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other		$	6,051			$	0
Real estate construction			35,898				0
Residential real estate			3,165				0
Commercial real estate			24,198				12
Loans to individuals			58				0
Subtotal			69,370				12
With an allowance recorded:
Commercial, financial, agricultural and other			43,778				14
Real estate construction			16,641				0
Residential real estate			237				0
Commercial real estate			10,711				4
Loans to individuals			0				0
Subtotal			71,367				18
Total		$	140,737			$	30

Troubled Debt Restructured Loans and Commitments

The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans as of December 31:

		2012				2011				2010
		(dollars in thousands)
Troubled debt restructured loans
Accrual status		$	13,037			$	20,276			$	1,336
Nonaccrual status			50,979				44,841				31,410
Total		$	64,016			$	65,117			$	32,746
Commitments
Letters of credit		$	1,574			$	12,580			$	11,321
Unused lines of credit			0				42				1,095
Total		$	1,574			$	12,622			$	12,416

Troubled Debt Restructurings is 90 Days or More Past Due

The following tables provide detail, including specific reserve and reasons for modification, related to loans identified as troubled debt restructurings during the years ending December 31:

		2012
						Reason for Modification
		Number of Contracts				Extend Maturity				Modify Rate				Modify Payments				Other				Total Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Specific Reserve
		(dollars in thousands)
Commercial, financial, agricultural and other			12			$	1,599			$	187			$	9,476			$	0			$	11,262			$	11,335			$	4,237
Real estate construction			2				1,697				0				0				0				1,697				2,133				200
Residential real estate			25				200				132				697				48				1,077				973				69
Commercial real estate			4				3,280				4,308				71				0				7,659				7,607				409
Loans to individuals			17				0				97				88				6				191				173				0
Total			60			$	6,776			$	4,724			$	10,332			$	54			$	21,886			$	22,221			$	4,915

		2011
						Reason for Modification
		Number of Contracts				Extend Maturity				Modify Rate				Modify Payments				Total Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Specific Reserve
		(dollars in thousands)
Commercial, financial, agricultural and other			13			$	100			$	475			$	2,218			$	2,793			$	2,749			$	743
Real estate construction			6				2,554				86				0				2,640				2,852				0
Residential real estate			10				0				515				601				1,116				1,100				65
Commercial real estate			22				17,202				24,226				2,311				43,739				25,292				507
Total			51			$	19,856			$	25,302			$	5,130			$	50,288			$	31,993			$	1,315

		2010
						Reason for Modification
		Number of Contracts				Extend Maturity				Modify Rate				Modify Payments				Total Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Specific Reserve
		(dollars in thousands)
Commercial, financial, agricultural and other			7			$	250			$	105			$	36,591			$	36,946			$	21,180			$	4,972
Real estate construction			2				109				2,070				0				2,179				1,051				0
Residential real estate			2				0				13				57				70				67				0
Commercial real estate			4				0				10,685				241				10,926				9,870				3
Total			15			$	359			$	12,873			$	36,889			$	50,121			$	32,168			$	4,975

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses for the years ended December 31:

		2012
		Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Unallocated				Total
		(dollars in thousands)
Allowance for credit losses:
Beginning Balance		$	18,200			$	6,756			$	8,237			$	18,961			$	4,244			$	4,836			$	61,234
Charge-offs			(5,207	)			(3,601	)			(3,828	)			(851	)			(3,482	)			0				(16,969	)
Recoveries			443				582				422				410				521				0				2,378
Provision			6,416				5,191				1,077				3,921				2,849				1,090				20,544
Ending Balance		$	19,852			$	8,928			$	5,908			$	22,441			$	4,132			$	5,926			$	67,187
Ending balance: individually evaluated for impaired		$	10,331			$	300			$	780			$	6,367			$	0			$	0			$	17,778
Ending balance: collectively evaluated for impaired			9,521				8,628				5,128				16,074				4,132				5,926				49,409
Loans:
Ending balance			1,019,822				87,438				1,241,565				1,273,661				582,218								4,204,704
Ending balance: individually evaluated for impaired			33,443				11,177				6,444				49,123				0								100,187
Ending balance: collectively evaluated for impaired			986,379				76,261				1,235,121				1,224,538				582,218								4,104,517

		2011
		Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Unallocated				Total
		(dollars in thousands)
Allowance for credit losses:
Beginning Balance		$	21,700			$	18,002			$	5,454			$	16,913			$	4,215			$	4,945			$	71,229
Charge-offs			(7,114	)			(28,886	)			(4,107	)			(24,861	)			(3,325	)			0				(68,293	)
Recoveries			473				955				132				349				573				0				2,482
Provision			3,141				16,685				6,758				26,560				2,781				(109	)			55,816
Ending Balance		$	18,200			$	6,756			$	8,237			$	18,961			$	4,244			$	4,836			$	61,234
Ending balance: individually evaluated for impaired		$	9,069			$	2,960			$	93			$	1,114			$	0			$	0			$	13,236
Ending balance: collectively evaluated for impaired			9,131				3,796				8,144				17,847				4,244				4,836				47,998
Loans:
Ending balance			996,739				76,564				1,137,059				1,267,432				565,849								4,043,643
Ending balance: individually evaluated for impaired			37,639				14,667				2,606				39,832				0								94,744
Ending balance: collectively evaluated for impaired			959,100				61,897				1,134,453				1,227,600				565,849								3,948,899

		2010
		Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Unallocated				Total
		(dollars in thousands)
Allowance for credit losses:
Beginning Balance		$	31,369			$	18,224			$	5,847			$	17,526			$	4,731			$	3,942			$	81,639
Charge-offs			(22,293	)			(41,483	)			(5,226	)			(2,466	)			(3,841	)			0				(75,309	)
Recoveries			2,409				0				252				163				523				0				3,347
Provision			10,215				41,261				4,581				1,690				2,802				1,003				61,552
Ending Balance		$	21,700			$	18,002			$	5,454			$	16,913			$	4,215			$	4,945			$	71,229
Ending balance: individually evaluated for impaired		$	6,709			$	11,855			$	56			$	5,287			$	0			$	0			$	23,907
Ending balance: collectively evaluated for impaired			14,991				6,147				5,398				11,626				4,215				4,945				47,322
Loans:
Ending balance			913,814				261,482				1,127,273				1,354,074				561,440								4,218,083
Ending balance: individually evaluated for impaired			25,694				44,485				832				42,863				0								113,874
Ending balance: collectively evaluated for impaired			888,120				216,997				1,126,441				1,311,211				561,440								4,104,209

X

- Definition

Defaulted Troubled Debt Restructurings on Financing Receivables.

+ References

No definition available.

+ Details

Name:	fcf_DefaultedTroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	fcf_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule of recorded investment and unpaid principal balance for impaired loans with the associated allowance.

+ References

No definition available.

+ Details

Name:	fcf_ScheduleOfRecordedInvestmentAndUnpaidPrincipalBalanceForImpairedLoansWithAssociatedAllowanceTableTextBlock
Namespace Prefix:	fcf_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3, 4

-Article 5

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration