Company Quick10K Filing
First Commonwealth Financial
Price13.42 EPS1
Shares99 P/E17
MCap1,323 P/FCF17
Net Debt106 EBIT141
TEV1,429 TEV/EBIT10
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-09-30 Filed 2020-11-06
10-Q 2020-06-30 Filed 2020-08-10
10-Q 2020-03-31 Filed 2020-05-08
10-K 2019-12-31 Filed 2020-03-02
10-Q 2019-09-30 Filed 2019-11-08
10-Q 2019-06-30 Filed 2019-08-07
10-Q 2019-03-31 Filed 2019-05-07
10-K 2018-12-31 Filed 2019-03-01
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10-K 2017-12-31 Filed 2018-03-01
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10-K 2014-12-31 Filed 2015-03-02
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10-K 2013-12-31 Filed 2014-03-03
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10-K 2012-12-31 Filed 2013-03-13
10-Q 2012-09-30 Filed 2012-11-08
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10-Q 2012-03-31 Filed 2012-05-08
10-K 2011-12-31 Filed 2012-03-05
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10-K 2010-12-31 Filed 2011-03-03
10-Q 2010-09-30 Filed 2010-11-05
10-Q 2010-06-30 Filed 2010-07-30
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10-K 2009-12-31 Filed 2010-03-01
8-K 2020-10-27 Earnings, Regulation FD, Exhibits
8-K 2020-09-18 Other Events, Exhibits
8-K 2020-09-10 Regulation FD, Exhibits
8-K 2020-07-28 Earnings, Regulation FD, Exhibits
8-K 2020-04-28
8-K 2020-04-28
8-K 2020-01-28
8-K 2019-11-14
8-K 2019-10-29
8-K 2019-07-23
8-K 2019-04-23
8-K 2019-04-23
8-K 2019-04-22
8-K 2019-03-04
8-K 2019-02-21
8-K 2019-01-29
8-K 2018-10-23
8-K 2018-08-15
8-K 2018-07-24
8-K 2018-05-21
8-K 2018-05-16
8-K 2018-05-11
8-K 2018-05-01
8-K 2018-04-24
8-K 2018-04-24
8-K 2018-02-22
8-K 2018-01-23
8-K 2018-01-10
8-K 2018-01-03

FCF 10Q Quarterly Report

Item 1. Financial Statements and Supplementary Data
Note 1 Basis of Presentation
Note 2 Acquisition
Item 1. Financial Statements and Supplementary Data
Note 3 Supplemental Comprehensive Income Disclosures
Note 4 Supplemental Cash Flow Disclosures
Note 5 Earnings per Share
Item 1. Financial Statements and Supplementary Data
Note 6 Commitments and Contingent Liabilities
Note 7 Investment Securities
Item 1. Financial Statements and Supplementary Data
Note 8 Loans and Allowance for Credit Losses
Note 9 Leases
Item 1. Financial Statements and Supplementary Data
Note 10 Income Taxes
Note 11 Fair Values of Assets and Liabilities
Item 1. Financial Statements and Supplementary Data
Note 12 Derivatives
Note 13 Goodwill
Item 1. Financial Statements and Supplementary Data
Note 14 Subordinated Debentures
Note 15 Revenue Recognition
Item 1. Financial Statements and Supplementary Data
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II - Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Part II - Other Information
Item 6. Exhibits
EX-31.1 fcf-ex31120200930x10q.htm
EX-31.2 fcf-ex31220200930x10q.htm
EX-32.1 fcf-ex32120200930x10q.htm
EX-32.2 fcf-ex32220200930x10q.htm

First Commonwealth Financial Earnings 2020-09-30

Balance SheetIncome StatementCash Flow

fcf-20200930
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
 
ýQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2020
Or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from             to            
Commission File Number 001-11138
First Commonwealth Financial Corporation
(Exact name of registrant as specified in its charter)
Pennsylvania25-1428528
(State or other jurisdiction of(I.R.S. Employer
incorporation or organization)Identification No.)
601 Philadelphia Street
IndianaPA15701
(Address of principal executive offices)(Zip Code)
724-349-7220
(Registrant’s telephone number, including area code)
N/A
(Former name, former address and former fiscal year, if changed since last report)
Indicate by a check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No  ¨.
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  x    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer  x    Accelerated filer  ¨    Smaller reporting company  Emerging growth company  
Non-accelerated filer  ¨ (Do not check if a smaller reporting company) 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No x
The number of shares outstanding of issuer’s common stock, $1.00 par value, as of November 5, 2020, was 96,132,751.


Table of Contents


FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES
FORM 10-Q
INDEX
 
  PAGE
PART I.
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
PART II.
ITEM 1.
ITEM 1A.
ITEM 2.
ITEM 3.
ITEM 4.
ITEM 5.
ITEM 6.

2

Table of Contents



ITEM 1. Financial Statements and Supplementary Data
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited)

September 30, 2020December 31, 2019
 (dollars in thousands, except share data)
Assets
Cash and due from banks$97,060 $102,346 
Interest-bearing bank deposits283,037 19,510 
Securities available for sale, at fair value908,236 902,292 
Securities held to maturity, at amortized cost (Fair value of $276,988 and $338,718 at September 30, 2020 and December 31,2019, respectively)268,638 337,123 
Other investments12,966 16,761 
Loans held for sale37,998 15,989 
Loans:
Portfolio loans6,949,716 6,189,148 
Allowance for credit losses(88,307)(51,637)
Net loans6,861,409 6,137,511 
Premises and equipment, net(1)
128,041 137,268 
Other real estate owned1,079 2,228 
Goodwill303,328 303,328 
Amortizing intangibles, net14,095 16,366 
Bank owned life insurance224,660 220,723 
Other assets148,819 97,328 
Total assets$9,289,366 $8,308,773 
Liabilities
Deposits (all domestic):
Noninterest-bearing$2,301,821 $1,690,247 
Interest-bearing5,402,086 4,987,368 
Total deposits7,703,907 6,677,615 
Short-term borrowings122,356 201,853 
Subordinated debentures170,572 170,450 
Other long-term debt56,424 56,917 
Capital lease obligation6,494 6,815 
Total long-term debt233,490 234,182 
Other liabilities156,782 139,458 
Total liabilities8,216,535 7,253,108 
Shareholders’ Equity
Preferred stock, $1 par value per share, 3,000,000 shares authorized, none issued  
Common stock, $1 par value per share, 200,000,000 shares authorized; 113,914,902 shares issued at September 30, 2020 and December 31, 2019, and 96,924,781 and 98,311,840 shares outstanding at September 30, 2020 and December 31, 2019, respectively113,915 113,915 
Additional paid-in capital494,682 493,737 
Retained earnings592,704 577,348 
Accumulated other comprehensive income, net19,111 5,579 
Treasury stock (16,990,121 and 15,603,062 shares at September 30, 2020 and December 31, 2019, respectively)(147,581)(134,914)
Total shareholders’ equity1,072,831 1,055,665 
Total liabilities and shareholders’ equity$9,289,366 $8,308,773 
(1)September 30, 2020 balance includes $2.6 million in available for sale assets as a result of the branch consolidation initiative.
The accompanying notes are an integral part of these unaudited consolidated financial statements.
3

Table of Contents


ITEM 1. Financial Statements and Supplementary Data (Continued)
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
For the Three Months EndedFor the Nine Months Ended
 September 30,September 30,
 2020201920202019
(dollars in thousands, except share data)
Interest Income
Interest and fees on loans$67,474 $74,714 $207,290 $218,524 
Interest and dividends on investments:
Taxable interest5,598 6,995 19,064 22,871 
Interest exempt from federal income taxes268 398 850 1,231 
Dividends159 387 536 1,419 
Interest on bank deposits94 81 163 181 
Total interest income73,593 82,575 227,903 244,226 
Interest Expense
Interest on deposits4,621 9,846 18,756 27,298 
Interest on short-term borrowings35 1,620 670 8,075 
Interest on subordinated debentures2,146 2,232 6,434 6,930 
Interest on other long-term debt356 362 1,065 656 
Interest on lease obligations66 70 199 210 
Total interest expense7,224 14,130 27,124 43,169 
Net Interest Income66,369 68,445 200,779 201,057 
Provision for credit losses11,212 2,708 49,038 9,638 
Net Interest Income after Provision for Credit Losses55,157 65,737 151,741 191,419 
Noninterest Income
Net securities gains20 9 47 15 
Trust income2,554 2,325 6,774 6,221 
Service charges on deposit accounts4,035 4,954 12,066 13,792 
Insurance and retail brokerage commissions2,156 1,912 5,982 5,887 
Income from bank owned life insurance1,547 1,540 4,963 4,408 
Gain on sale of mortgage loans6,437 2,599 13,226 6,101 
Gain on sale of other loans and assets1,871 970 3,151 3,831 
Card-related interchange income6,441 5,629 17,589 15,800 
Derivatives mark to market(160)(45)(2,122)(88)
Swap fee income41 421 864 1,634 
Other income1,827 1,865 5,314 5,356 
Total noninterest income26,769 22,179 67,854 62,957 
Noninterest Expense
Salaries and employee benefits28,823 28,674 87,573 83,205 
Net occupancy4,609 4,521 13,979 13,878 
Furniture and equipment4,033 3,904 11,468 11,396 
Data processing2,741 2,825