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 2020-06-30 Filed 2020-08-10
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10-K 2019-12-31 Filed 2020-03-02
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10-K 2012-12-31 Filed 2013-03-13
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10-K 2011-12-31 Filed 2012-03-05
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8-K 2020-09-10 Regulation FD, Exhibits
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8-K 2020-04-28
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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 Supplemental Comprehensive Income Disclosures
Item 1. Financial Statements and Supplementary Data
Note 3 Supplemental Cash Flow Disclosures
Note 4 Earnings per Share
Item 1. Financial Statements and Supplementary Data
Note 5 Commitments and Contingent Liabilities
Note 6 Investment Securities
Item 1. Financial Statements and Supplementary Data
Note 7 Impairment of Investment Securities
Note 8 Loans and Allowance for Credit Losses
Item 1. Financial Statements and Supplementary Data
Note 9 Leases
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
Note 16 Subsequent Event
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-ex31120200630x10q.htm
EX-31.2 fcf-ex31220200630x10q.htm
EX-32.1 fcf-ex32120200630x10q.htm
EX-32.2 fcf-ex32220200630x10q.htm

First Commonwealth Financial Earnings 2020-06-30

Balance SheetIncome StatementCash Flow

fcf-20200630
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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 June 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 August 6, 2020, was 98,132,697.


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)

June 30, 2020December 31, 2019
 (dollars in thousands, except share data)
Assets
Cash and due from banks$108,970  $102,346  
Interest-bearing bank deposits348,763  19,510  
Securities available for sale, at fair value902,140  902,292  
Securities held to maturity, at amortized cost (Fair value of $307,874 and $338,718 at June 30, 2020 and December 31,2019, respectively)297,986  337,123  
Other investments12,272  16,761  
Loans held for sale30,409  15,989  
Loans:
Portfolio loans6,922,075  6,189,148  
Allowance for credit losses(81,441) (51,637) 
Net loans6,840,634  6,137,511  
Premises and equipment, net134,780  137,268  
Other real estate owned1,634  2,228  
Goodwill303,328  303,328  
Amortizing intangibles, net14,744  16,366  
Bank owned life insurance223,114  220,723  
Other assets145,881  97,328  
Total assets$9,364,655  $8,308,773  
Liabilities
Deposits (all domestic):
Noninterest-bearing$2,288,299  $1,690,247  
Interest-bearing5,493,902  4,987,368  
Total deposits7,782,201  6,677,615  
Short-term borrowings108,484  201,853  
Subordinated debentures170,531  170,450  
Other long-term debt56,590  56,917  
Capital lease obligation6,602  6,815  
Total long-term debt233,723  234,182  
Other liabilities164,542  139,458  
Total liabilities8,288,950  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 June 30, 2020 and December 31, 2019, and 98,132,697 and 98,311,840 shares outstanding at June 30, 2020 and December 31, 2019, respectively113,915  113,915  
Additional paid-in capital494,682  493,737  
Retained earnings584,312  577,348  
Accumulated other comprehensive income, net21,522  5,579  
Treasury stock (15,782,205 and 15,603,062 shares at June 30, 2020 and December 31, 2019, respectively)(138,726) (134,914) 
Total shareholders’ equity1,075,705  1,055,665  
Total liabilities and shareholders’ equity$9,364,655  $8,308,773  

The accompanying notes are an integral part of these unaudited consolidated financial statements.
3

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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 Six Months Ended
 June 30,June 30,
 2020201920202019
(dollars in thousands, except share data)
Interest Income
Interest and fees on loans$68,076  $73,389  $139,816  $143,810  
Interest and dividends on investments:
Taxable interest6,493  7,712  13,466  15,876  
Interest exempt from federal income taxes267  415  582  833  
Dividends113  495  377  1,032  
Interest on bank deposits32  46  69  100  
Total interest income74,981  82,057  154,310  161,651  
Interest Expense
Interest on deposits5,686  9,277  14,135  17,452  
Interest on short-term borrowings47  3,017  635  6,455  
Interest on subordinated debentures2,142  2,343  4,288  4,697  
Interest on other long-term debt354  224  709  295  
Interest on lease obligations66  70  133  140  
Total interest expense8,295  14,931  19,900  29,039  
Net Interest Income66,686  67,126  134,410  132,612  
Provision for credit losses6,859  2,835  37,826  6,930  
Net Interest Income after Provision for Credit Losses59,827  64,291  96,584  125,682  
Noninterest Income
Net securities gains8  6  27  6  
Trust income2,109  1,970  4,220  3,896  
Service charges on deposit accounts3,286