0000712537-20-000018.txt : 20200729 0000712537-20-000018.hdr.sgml : 20200729 20200729083845 ACCESSION NUMBER: 0000712537-20-000018 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20200728 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200729 DATE AS OF CHANGE: 20200729 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST COMMONWEALTH FINANCIAL CORP /PA/ CENTRAL INDEX KEY: 0000712537 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 251428528 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-11138 FILM NUMBER: 201055865 BUSINESS ADDRESS: STREET 1: 601 PHILADELPHIA STREET CITY: INDIANA STATE: PA ZIP: 15701 BUSINESS PHONE: 7243497220 MAIL ADDRESS: STREET 1: 601 PHILADELPHIA STREET CITY: INDIANA STATE: PA ZIP: 15701 8-K 1 fcf-20200728.htm 8-K fcf-20200728
falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282020FY000071253700007125372020-07-282020-07-28

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
 
FORM 8-K
 
 
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): July 28, 2020
 
First Commonwealth Financial Corporation
(Exact name of registrant as specified in its charter)
 
Pennsylvania001-1113825-1428528
(State or other jurisdiction
of incorporation)		(Commission File Number)(IRS Employer
Identification No.)
601 Philadelphia Street
IndianaPA15701
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (724) 349-7220
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth 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. ☐



Item 2.02Results of Operations and Financial Condition
On July 28, 2020, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2020. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure
On July 28, 2020, the Company announced a cash dividend of $0.11 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and six month periods ended June 30, 2020. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits
Exhibits


101Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: July 28, 2020
 
FIRST COMMONWEALTH FINANCIAL CORPORATION
By:   /s/ James R. Reske
Name: James R. Reske
Title: Executive Vice President, Chief Financial Officer and Treasurer


 EX-99.1 2 fcf-ex99120200728x8k.htm EX-99.1 PRESS RELEASE Document
                   
Exhibit 99.1

fcfimagea0111.jpg     
FOR IMMEDIATE RELEASE

First Commonwealth Announces Second Quarter 2020 Earnings; Declares Quarterly Dividend

Indiana, PA, July 28, 2020 - First Commonwealth Financial Corporation (NYSE: FCF) today announced financial results for the second quarter of 2020.

Financial Summary
(dollars in thousands,For the Three Months EndedFor the Six Months Ended
except per share data)June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Reported Results
Net income $23,851$4,727$27,280$28,578$51,869
Diluted earnings per share$0.24$0.05$0.28$0.29$0.53
Return on average assets1.06 %0.23 %1.37 %0.66 %1.32 %
Return on average equity8.95 %1.77 %10.84 %5.36 %10.48 %
Operating Results (non-GAAP)(1)
Core net income$23,851$4,727$27,307$28,578$51,896
Core diluted earnings per share$0.24$0.05$0.28$0.29$0.53
Pre-tax pre-provision net revenue$36,101$37,123$37,258$73,223$72,343
Provision expense$6,859$30,967$2,835$37,826$6,930
Net charge-offs$4,493$3,529$1,427$8,022$3,633
Reserve build(2)
$2,366$27,438$1,408$29,804$3,297
Core return on average assets1.06 %0.23 %1.37 %0.66 %1.32 %
Return on average tangible common equity13.13 %2.92 %15.47 %8.03 %15.04 %
Core return on average tangible common equity13.13 %2.92 %15.48 %8.03 %15.05 %
Core efficiency ratio57.20 %58.21 %56.80 %57.71 %57.47 %
Net interest margin (FTE)3.29 %3.65 %3.75 %3.46 %3.75 %
(1)Core operating results are a non-GAAP measure used by management to measure performance in operating the business that management believes enhances investors' ability to better understand the underlying business performance and trends related to core business activities. A full reconciliation of non-GAAP financial measures can be found at the end of the financial statements which accompany this release.
(2)Reserve build represents the amount by which the provision for credit losses exceeds net charge-offs, while reserve release represents the amount by which net charge-offs exceed the provision for credit losses.
        
Second Quarter 2020 Highlights
Financial results
•Net income of $23.9 million and diluted earnings per share of $0.24, an increase of $19.1 million or $0.19 per share from the previous quarter

                   
•Provision for loan losses of $6.9 million decreased $24.1 million from the previous quarter
•Pre-tax pre-provision net revenue (PPNR)(1) was $36.1 million
•Net interest income of $67.0 million decreased $1.1 million from the previous quarter due to a 36 basis point decline in the net interest margin, partially offset by a $678.6 million increase in average interest-earning assets
•Noninterest income of $21.8 million increased $2.5 million from the previous quarter on improved mortgage gain on sale
•Noninterest expense of $52.8 million increased $2.5 million from the previous quarter due to a $3.4 million increase in expense for reserves for unfunded loan commitments
•Total period-end loans increased $612.8 million from the previous quarter and includes $570.9 million in loans made through the SBA Paycheck Protection Program (“PPP”)
▪Excluding PPP loans, total period-end loans grew $41.9 million, or 2.7% (annualized) from the previous quarter
◦Average deposits increased $758.2 million (or 44.8% annualized) and period-end deposits increased $859.1 million (or 49.6% annualized) from the previous quarter due to deposit growth associated with PPP loan funds and consumer stimulus checks
▪Noninterest-bearing deposits increased by $536.8 million (or 122.6% annualized) and comprised 29.4% of total deposits at June 30, 2020
Asset quality
•Nonaccrual loans of $48.6 million decreased $3.1 million from the previous quarter
•Net charge-offs on loans totaled $4.5 million, $2.9 million of which represents the charge off of specific reserves provided for in prior periods
•Reserve build(2) of $29.8 million or 0.43% of total loans (excluding PPP) on a year-to-date basis, bringing reserves to total loans (adjusted for PPP) to 1.28%, and reserves to total originated loans (adjusted for PPP) to 1.34%
•The Company continues to defer its adoption of CECL in accordance with relief provided under the U.S. Coronavirus Aid, Relief, and Economic Security (“CARES”) Act

                   
Strong liquidity and capital positions
•Total available liquidity of $3.8 billion
•Bank-level Tier 1 Capital ratio of 11.3%, which represents $223.4 million in excess capital above the regulatory “well capitalized” requirement of 8.0%
•The Company temporarily suspended share repurchases in March 2020
Operational Update
•In response to the current operating environment and evolving customer preferences, the Company is implementing a profitability initiative termed “Project THRIVE” with a goal of growing our business, maintaining adequate capital, protecting against further NIM compression and reducing operating expenses. A targeted 20% reduction in retail locations will occur prior to December 31, 2020
•During the second quarter of 2020, the Company processed 4,920 PPP loan applications representing $606 million approved and $588 million funded to support our business customers; PPP balances totaled $571 million as of June 30, 2020
•All of our community office drive-ups are open and our lobbies are available by appointment
•Recent recognitions include:
•2020 Forbes World’s Best Banks
•Consumer Federation of America Designation of Savings Excellence
•FDIC Impactful Money Smart for Adults Partnership
“Our performance in the second quarter is a reminder of the importance we play as a financial services organization and partner in the communities we serve,” stated T. Michael Price, President and Chief Executive Officer, “We assisted nearly 5,000 businesses secure over $600 million in PPP loans, which impacted approximately 80,000 jobs. At the same time, we originated a record $203 million in consumer mortgages in the quarter that helped roughly 800 customers finance a home.”
Price continued, “In light of the rapidly changing operating environment and uncertain economic outlook, we have implemented Project THRIVE with the express goal of emerging on the other side of this crisis stronger than ever. First Commonwealth has a proven track record of executing on its initiatives and I am confident that Project THRIVE will benefit all of our long-term stakeholders.”

                   
Earnings
Net income for the second quarter of 2020 was $23.9 million, or $0.24 per share, compared to $4.7 million, or $0.05 per share for the first quarter of 2020, and $27.3 million, or $0.28 per share in the second quarter of 2019.
Net income for the first six months of 2020 was $28.6 million, as compared to $51.9 million for the same period in 2019.
Net Interest Income and Net Interest Margin
Net interest income (FTE) decreased $1.1 million from the previous quarter due to loan repricing and lower replacement yields on new loans, driven by the impact of the lower interest rate environment.
The net interest margin for the second quarter of 2020 was 3.29%, a decrease of 36 basis points from the previous quarter and a decrease of 46 basis points from the second quarter of 2019. The decrease from the previous quarter was due primarily to a 57 basis point decrease in the yield on interest-earning assets, partially offset by a 26 basis point decrease in the cost of interest bearing liabilities.
Total average interest-earning assets increased $678.6 million from the previous quarter due to a $116.3 million increase in average traditional loans along with $405.7 million in average PPP loans.
Total average deposits grew $758.2 million in the second quarter of 2020 as compared to the previous quarter. Period-end deposits grew $859.1 million in the second quarter of 2020 as compared to the first quarter of 2020. Period-end growth was driven by $536.8 million of growth in noninterest-bearing demand deposits and $397.2 million of growth in savings deposits, partially offset by a $76.4 million decrease in time deposits.
Asset Quality
On March 27, 2020, the CARES Act was signed into law, which provides banking organizations with optional, temporary relief from adoption of Accounting Standards Update No. 2016-13, “Financial Instruments—Credit Losses,” Topic 326, “Measurement of Credit Losses on Financial Instruments” (“CECL”). Due to the extraordinary economic condition and the uncertainty of economic forecasts and resulting volatility in these forecasts, the Company elected to defer its adoption of CECL and has, therefore, calculated reserves for loan losses under the incurred loss method.
Provision expense in the second quarter totaled $6.9 million. Reserves for loan losses totaled $81.4 million in the second quarter of 2020, an increase of $2.4 million from the previous quarter. The increase from the previous quarter was primarily due to an increase of $5.5 million in qualitative reserves partially offset by a $2.9 million decrease in specific reserves primarily as the result of the resolution of three commercial credits reserved for in previous quarters. These qualitative reserves are intended to reflect the risks of continued weak economic conditions on our loan portfolio, but also loss estimates identified in several loan portfolios deemed to be at risk

                   
from the COVID-19 pandemic (e.g., retail and hospitality) and the inherent risk presented by loan forbearances as of June 30, 2020.
At June 30, 2020, nonperforming loans totaled $56.0 million, a decrease of $3.1 million from the previous quarter. The decrease in nonperforming loans was primarily due to the resolution of the three aforementioned commercial credits with balances totaling $8.0 million, partially offset by a $5.5 million commercial credit placed into nonaccrual.
Nonperforming loans as a percentage of total loans (excluding PPP) were 0.88%, 0.93% and 0.59% for the periods ended June 30, 2020, March 31, 2020 and June 30, 2019, respectively.
For the originated loan portfolio at June 30, 2020, the general allowance for credit losses to total originated loans (excluding PPP) was 1.23%, compared to 1.16% at March 31, 2020 and 0.88% at June 30, 2019.
During the second quarter of 2020, net charge-offs were $4.5 million, compared to $3.5 million in the prior quarter and $1.4 million in the second quarter of 2019. Net charge-offs were 0.28%, 0.23% and 0.10% of average loans (excluding PPP, annualized) for the periods ended June 30, 2020, March 31, 2020 and June 30, 2019, respectively.
Noninterest Income and Noninterest Expense
Noninterest income totaled $21.8 million for the second quarter of 2020, as compared to $19.3 million for the first quarter of 2020 and $21.9 million for the second quarter of 2019 (excluding net securities gains). There were no material securities gains during the current or comparable quarters.
The $2.5 million increase from the previous quarter was primarily due to a $1.7 million increase in gain on sale of mortgage loans and a $1.5 million quarter over quarter increase in swap-related derivative mark-to-market income (due to a $1.7 million negative mark last quarter), along with a $0.6 million increase in interchange income. These results were partially offset by a $1.5 million decrease in services charges on deposit accounts driven by lower overdraft fees being incurred by customers.
Noninterest expense totaled $52.8 million for the second quarter of 2020, as compared to $50.3 million for the first quarter of 2020 and $52.2 million for the second quarter of 2019. The $2.5 million increase from the previous quarter was primarily the result of a $3.4 million increase in unfunded commitment reserves due to a $2.5 million release of unfunded commitment reserves in the previous quarter as compared to $0.9 million in expense related to unfunded commitment reserves this quarter. This increase was partially offset by a $1.2 million decrease in salaries and benefits and a $0.6 million decrease in occupancy expense.
The core efficiency ratio was 57.20% during the second quarter of 2020 as compared to 58.21% in the previous quarter and 56.80% in the second quarter of 2019.

                   
Full time equivalent staff was 1,465 as June 30, 2020, 1,510 at March 31, 2020, and 1,438 at June 30, 2019. The decrease from the prior quarter is the result of a company-wide hiring freeze implemented at the end of the first quarter of 2020.
Dividends and Capital
First Commonwealth Financial Corporation declared a common stock quarterly dividend of $0.11 per share, which is payable on August 21, 2020 to shareholders of record as of August 7, 2020. This dividend represents a 5.7% projected annual yield utilizing the July 27, 2020 closing market price of $7.77.
First Commonwealth’s capital ratios for Total, Tier I, Leverage and Common Equity Tier I at June 30, 2020 were 14.4%, 11.8%, 9.3%, and 10.7%, respectively. First Commonwealth’s current capital levels exceed the fully phased-in Basel III capital requirements issued by U.S. bank regulators.
Conference Call
First Commonwealth will host a quarterly conference call to discuss its financial results for the second quarter 2020 on Wednesday, July 29, 2020 at 2:00 PM (ET). The call can be accessed by dialing (toll free) 1-844-792-3645 or through the company’s web page, http://www.fcbanking.com/InvestorRelations. A replay of the call will be available approximately one hour following the conclusion of the conference by dialing 1-877-344-7529 and entering the access code # 10145939. A link to the webcast replay will also be accessible on the company’s web page for 30 days.
About First Commonwealth Financial Corporation
First Commonwealth Financial Corporation (NYSE: FCF), headquartered in Indiana, Pennsylvania, is a financial services company with 147 community banking offices in 28 counties throughout western and central Pennsylvania and throughout Ohio, as well as business banking operations in Pittsburgh, Pennsylvania, and Canton, Cleveland, Columbus and Cincinnati, Ohio. The company also operates mortgage offices in Wexford, Pennsylvania, as well as Hudson and Dayton and Lewis Center, Ohio. First Commonwealth provides a full range of commercial banking, consumer banking, mortgage, wealth management and insurance products and services through its subsidiaries First Commonwealth Bank and First Commonwealth Insurance Agency. For more information about First Commonwealth or to open an account today, please visit www.fcbanking.com.
Forward-Looking Statements
Certain statements contained in this release that are not historical facts may constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in our future filings with the

                   
Securities and Exchange Commission, in press releases, and in oral and written statements made by us or with our approval that are not statements of historical fact and constitute “forward-looking statements” as well. These statements, which are based on certain assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of words such as “may,” “will,” “should,” “could,” “would,” “plan,” “believe,” “expect,” “anticipate,” “intend,” “estimate” or words of similar meaning. These forward-looking statements are subject to significant risks, assumptions and uncertainties, including uncertainties regarding the impact of the COVID-19 pandemic, and could be affected by many factors, including, but not limited to: (1) the length and extent of the economic contraction as a result of the COVID-19 pandemic and the impact of such contraction on First Commonwealth and its customers; (2) volatility and disruption in national and international financial markets; (3) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board; (4) inflation, interest rate, commodity price, securities market and monetary fluctuations; (5) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which First Commonwealth or its customers must comply; (6) the soundness of other financial institutions; (7) political instability; (8) impairment of First Commonwealth’s goodwill or other intangible assets; (9) acts of God or of war or terrorism; (10) the timely development and acceptance of new products and services and perceived overall value of these products and services by users; (11) changes in consumer spending, borrowings and savings habits; (12) changes in the financial performance and/or condition of First Commonwealth’s borrowers; (13) technological changes; (14) acquisitions and integration of acquired businesses; (15) First Commonwealth’s ability to attract and retain qualified employees; (16) changes in the competitive environment in First Commonwealth’s markets and among banking organizations and other financial service providers; (17) the ability to increase market share and control expenses; (18) the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters; (19) the reliability of First Commonwealth’s vendors, internal control systems or information systems; (20) the costs and effects of legal and regulatory developments, the resolution of legal proceedings or regulatory or other governmental inquiries, the results of regulatory examinations or reviews and the ability to obtain required regulatory approvals; and (21) other risks and uncertainties described in this report and in the other reports that we file with the Securities and Exchange Commission, including our most recent Annual Report on Form 10-K. Further, statements about the potential effects of the COVID-19 pandemic on our business, financial condition, liquidity and results of operations may constitute forward-looking statements and are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control, including the scope and duration of the pandemic, actions taken by governmental authorities in response to the pandemic, and the direct and indirect impact of the pandemic on our customers, clients, third parties and us.
In light of these risks, uncertainties and assumptions, you should not place undue reliance on any forward-looking statements in this release. We undertake no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise.

                   




###

Media Relations:
Jonathan E. Longwill
Vice President / Communications and Media Relations
Phone: 724-463-6806
E-mail: JLongwill@fcbanking.com

Investor Relations:
Ryan M. Thomas
Vice President / Finance and Investor Relations
Phone: 724-463-1690
E-mail: RThomas1@fcbanking.com

                   

FIRST COMMONWEALTH FINANCIAL CORPORATION
CONSOLIDATED FINANCIAL DATA
Unaudited
(dollars in thousands, except per share data)
For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
SUMMARY RESULTS OF OPERATIONS
Net interest income (FTE) (1)
$67,045  $68,121  $67,581  $135,165  $133,524  
Provision for credit losses6,859  30,967  2,835  37,826  6,930  
Noninterest income21,812  19,273  21,906  41,085  40,778  
Noninterest expense52,756  50,271  52,229  103,027  101,959  
Net income 23,851  4,727  27,280  28,578  51,869  
Core net income (5)
23,851  4,727  27,307  28,578  51,896  
Earnings per common share (diluted)$0.24  $0.05  $0.28  $0.29  $0.53  
Core earnings per common share (diluted) (6)
$0.24  $0.05  $0.28  $0.29  $0.53  
KEY FINANCIAL RATIOS
Return on average assets1.06 %0.23 %1.37 %0.66 %1.32 %
Core return on average assets (7)
1.06 %0.23 %1.37 %0.66 %1.32 %
Return on average shareholders' equity8.95 %1.77 %10.84 %5.36 %10.48 %
Return on average tangible common equity (8)
13.13 %2.92 %15.47 %8.03 %15.04 %
Core return on average tangible common equity (9)
13.13 %2.92 %15.48 %8.03 %15.05 %
Core efficiency ratio (2)(10)
57.20 %58.21 %56.80 %57.71 %57.47 %
Net interest margin (FTE) (1)
3.29 %3.65 %3.75 %3.46 %3.75 %
Book value per common share$10.96  $10.79  $10.37  
Tangible book value per common share (11)
7.72  7.54  7.46  
Market value per common share8.28  9.14  13.47  
Cash dividends declared per common share0.11  0.11  0.10  0.22  0.20  
ASSET QUALITY RATIOS
Nonperforming loans as a percent of end-of-period loans (3)
0.81 %0.93 %0.59 %
Nonperforming loans as a percent of end-of-period loans, excluding PPP loans (3)
0.88 %0.93 %0.59 %
Nonperforming assets as a percent of total assets (3)
0.62 %0.74 %0.47 %
Nonperforming assets as a percent of total assets, excluding PPP loans (3)
0.66 %0.74 %0.47 %
Net charge-offs as a percent of average loans (annualized) (4)
0.27 %0.23 %0.10 %
Net charge-offs as a percent of average loans, excluding PPP loans (annualized) (4)
0.28 %0.23 %0.10 %
Allowance for credit losses as a percent of nonperforming loans (4)
145.37 %133.71 %143.62 %
Allowance for credit losses as a percent of end-of-period loans (4)
1.18 %1.25 %0.85 %
Allowance for credit losses as a percent of end-of-period loans, excluding PPP loans (4)
1.28 %1.25 %0.85 %
Allowance for credit losses (originated loans and leases) as a percent of total originated loans and leases1.22 %1.32 %0.92 %
Allowance for credit losses (originated loans and leases) as a percent of total originated loans and leases, excluding PPP loans1.34 %1.32 %0.92 %
CAPITAL RATIOS
Shareholders' equity as a percent of total assets11.5 %12.4 %12.7 %
Tangible common equity as a percent of tangible assets (12)
8.4 %9.0 %9.4 %
Tangible common equity as a percent of tangible assets, excluding PPP loans (12)
8.9 %9.0 %9.4 %
Leverage Ratio9.3 %9.9 %10.4 %
Risk Based Capital - Tier I11.8 %11.6 %12.2 %
Risk Based Capital - Total14.4 %14.2 %14.6 %
Common Equity - Tier I10.7 %10.5 %11.2 %


                   

FIRST COMMONWEALTH FINANCIAL CORPORATION
CONSOLIDATED FINANCIAL DATA
Unaudited
(dollars in thousands, except per share data)
For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
INCOME STATEMENT
   Interest income$74,981  $79,329  $82,057  $154,310  $161,651  
   Interest expense8,295  11,605  14,931  19,900  29,039  
Net Interest Income66,686  67,724  67,126  134,410  132,612  
   Taxable equivalent adjustment (1)
359  397  455  755  912  
Net Interest Income (FTE)67,045  68,121  67,581  135,165  133,524  
   Provision for credit losses6,859  30,967  2,835  37,826  6,930  
Net Interest Income after Provision for Credit Losses (FTE)60,186  37,154  64,746  97,339  126,594  
   Net securities gains8  19  6  27  6  
   Trust income2,109  2,111  1,970  4,220  3,896  
   Service charges on deposit accounts3,286  4,745  4,593  8,031  8,838  
   Insurance and retail brokerage commissions1,831  1,995  2,014  3,826  3,975  
   Income from bank owned life insurance1,800  1,616  1,442  3,416  2,868  
   Gain on sale of mortgage loans4,243  2,546  2,074  6,789  3,502  
   Gain on sale of other loans and assets581  699  1,777  1,280  2,861  
   Card-related interchange income5,886  5,262  5,441  11,148  10,171  
Derivative mark-to-market(221) (1,741) (17) (1,962) (43) 
Swap fee income609  214  820  823  1,213  
   Other income1,680  1,807  1,786  3,487  3,491  
Total Noninterest Income21,812  19,273  21,906  41,085  40,778  
   Salaries and employee benefits28,773  29,977  27,311  58,750  54,531  
   Net occupancy4,397  4,973  4,441  9,370  9,357  
   Furniture and equipment 3,657  3,778  3,824  7,435  7,492  
   Data processing2,596  2,467  2,619  5,063  5,163  
   Pennsylvania shares tax1,254  738  1,260  1,992  2,176  
   Advertising and promotion 1,535  1,150  1,231  2,685  2,471  
   Intangible amortization919  934  745  1,853  1,499  
   Collection and repossession341  564  460  905  1,007  
   Other professional fees and services920  898  1,032  1,818  1,786  
   FDIC insurance733  28  555  761  1,129  
   Litigation and operational losses319  390  555  709  956  
   Loss on sale or write-down of assets140  213  1,181  353  1,246  
   Unfunded commitment reserve887  (2,539) 612  (1,652) 231  
   Merger and acquisition—  —  34  —  34  
   COVID-19419  23  —  442  442  
   Other operating expenses5,866  6,677  6,369  12,543  12,881  
Total Noninterest Expense52,756  50,271  52,229  103,027  101,959  
Income before Income Taxes29,242  6,156  34,423  35,397  65,413  
   Taxable equivalent adjustment (1)
359  397  455  755  912  
   Income tax provision 5,032  1,032  6,688  6,064  12,632  
Net Income$23,851  $4,727  $27,280  $28,578  $51,869  
Shares Outstanding at End of Period98,132,69798,015,39698,499,93798,132,69798,499,937
Average Shares Outstanding Assuming Dilution98,146,85498,361,49498,600,60998,254,42998,651,810


                   

FIRST COMMONWEALTH FINANCIAL CORPORATION
CONSOLIDATED FINANCIAL DATA
Unaudited
(dollars in thousands)
June 30,March 31,June 30,
202020202019
BALANCE SHEET (Period End)
Assets
   Cash and due from banks$108,970  $118,413  $95,047  
   Interest-bearing bank deposits348,763  15,762  1,233  
   Securities available for sale, at fair value914,412  992,041  895,471  
   Securities held to maturity, at amortized cost297,986  318,256  373,453  
   Loans held for sale30,409  25,783  16,036  
     Loans6,922,075  6,313,944  6,003,059  
     Allowance for credit losses(81,441) (79,075) (51,061) 
   Net loans6,840,634  6,234,869  5,951,998  
   Goodwill and other intangibles318,072  318,891  286,545  
   Other assets505,409  491,090  451,071  
Total Assets$9,364,655  $8,515,105  $8,070,854  
Liabilities and Shareholders' Equity
   Noninterest-bearing demand deposits$2,288,299  $1,751,524  $1,528,307  
     Interest-bearing demand deposits327,691  326,122  238,406  
     Savings deposits4,431,919  4,034,759  3,530,705  
     Time deposits734,292  810,683  858,547  
   Total interest-bearing deposits5,493,902  5,171,564  4,627,658  
   Total deposits7,782,201  6,923,088  6,155,965  
     Short-term borrowings108,484  146,971  555,080  
     Long-term borrowings233,723  233,955  234,623  
   Total borrowings342,207  380,926  789,703  
   Other liabilities164,542  153,167  103,355  
   Shareholders' equity1,075,705  1,057,924  1,021,831  
Total Liabilities and Shareholders' Equity$9,364,655  $8,515,105  $8,070,854  



                   

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

For the Three Months EndedFor the Six Months Ended
June 30,Yield/March 31,Yield/June 30,Yield/June 30,Yield/June 30,Yield/
2020Rate2020Rate2019Rate2020Rate2019Rate
NET INTEREST MARGIN
Assets
Loans, excluding PPP loans (FTE)(1)(3)
$6,372,145  4.14 %$6,255,825  4.63 %$5,949,332  4.97 %$6,313,985  4.38 %$5,880,840  4.95 %
PPP Loans$405,738  2.73 %$—  0.00 %$—  0.00 %$202,869  2.73 %$—  0.00 %
Securities and interest-bearing bank deposits (FTE) (1)
1,412,275  1.99 %1,255,699  2.46 %1,279,032  2.75 %1,333,987  2.21 %1,297,636  2.81 %
Total Interest-Earning Assets (FTE) (1)
8,190,158  3.70 %7,511,524  4.27 %7,228,364  4.58 %7,850,841  3.97 %7,178,476  4.57 %
Noninterest-earning assets853,396  825,797  758,110  839,596  754,512  
Total Assets$9,043,554  $8,337,321  $7,986,474  $8,690,437  $7,932,988  
Liabilities and Shareholders' Equity
Interest-bearing demand and savings deposits$4,568,202  0.24 %$4,215,323  0.48 %$3,777,016  0.59 %$4,391,763  0.36 %$3,727,477  0.56 %
Time deposits776,892  1.51 %825,966  1.65 %870,603  1.72 %801,429  1.58 %868,286  1.64 %
Short-term borrowings112,063  0.17 %202,314  1.17 %533,716  2.27 %157,188  0.81 %574,203  2.27 %
Long-term borrowings233,819  4.41 %234,050  4.41 %211,087  5.01 %233,934  4.41 %198,081  5.22 %
Total Interest-Bearing Liabilities5,690,976  0.59 %5,477,653  0.85 %5,392,422  1.11 %5,584,314  0.72 %5,368,047  1.09 %
Noninterest-bearing deposits2,130,775  1,676,362  1,497,199  1,903,569  1,481,064  
Other liabilities150,254  111,988  87,429  131,121  85,685  
Shareholders' equity1,071,549  1,071,318  1,009,424  1,071,433  998,192  
Total Noninterest-Bearing Funding Sources3,352,578  2,859,668  2,594,052  3,106,123  2,564,941  
Total Liabilities and Shareholders' Equity$9,043,554  $8,337,321  $7,986,474  $8,690,437  $7,932,988  
Net Interest Margin (FTE) (annualized)(1)
3.29 %3.65 %3.75 %3.46 %3.75 %


                   

FIRST COMMONWEALTH FINANCIAL CORPORATION
CONSOLIDATED FINANCIAL DATA
Unaudited
(dollars in thousands)
June 30,March 31,June 30,
202020202019
Loan Portfolio Detail
Commercial Loan Portfolio:
Commercial, financial, agricultural and other$1,202,212  $1,272,240  $1,236,424  
Paycheck Protection Program570,887  —  —  
Commercial real estate2,224,710  2,190,098  2,118,582  
Real estate construction339,603  332,814  361,028  
Total Commercial4,337,412  3,795,152  3,716,034  
Consumer Loan Portfolio:
Closed-end mortgages1,140,101  1,103,281  1,060,348  
Home equity lines of credit583,187  587,859  519,093  
Real estate construction76,726  80,644  80,826  
Total Real Estate - Consumer1,800,014  1,771,784  1,660,267  
Auto loans671,202  626,256  515,569  
Direct installment43,629  46,029  40,568  
Personal lines of credit63,600  68,240  63,155  
Student loans6,218  6,483  7,466  
Total Other Consumer784,649  747,008  626,758  
Total Consumer Portfolio2,584,663  2,518,792  2,287,025  
Total Portfolio Loans6,922,075  6,313,944  6,003,059  
Loans held for sale30,409  25,783  16,036  
Total Loans$6,952,484  $6,339,727  $6,019,095  
June 30,March 31,June 30,
202020202019
ASSET QUALITY DETAIL
Nonperforming Loans:
Loans on nonaccrual basis$44,968  $46,109  $15,665  
Troubled debt restructured loans on nonaccrual basis3,600  5,522  10,914  
Troubled debt restructured loans on accrual basis7,455  7,509  8,975  
       Total Nonperforming Loans$56,023  $59,140  $35,554  
Other real estate owned ("OREO")1,634  2,697  1,884  
Repossessions ("Repos")537  836  319  
       Total Nonperforming Assets$58,194  $62,673  $37,757  
Loans past due in excess of 90 days and still accruing1,421  1,427  2,656  
Classified loans76,917  90,233  49,975  
Criticized loans125,432  117,535  117,976  
Nonperforming assets as a percentage of total loans, plus OREO and Repos (4)
0.84 %0.99 %0.63 %
Allowance for credit losses$81,441  $79,075  $51,061  



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

For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Net Charge-offs (Recoveries):
       Commercial, financial, agricultural and other$1,234  $405  $301  $1,639  $1,223  
       Real estate construction(26) —  (42) (26) (84) 
       Commercial real estate2,151  222  (38) 2,373  220  
       Residential real estate2  502  (15) 504  61  
       Loans to individuals1,132  2,400  1,221  3,532  2,213  
Net Charge-offs$4,493  $3,529  $1,427  $8,022  $3,633  
Net charge-offs as a percentage of average loans outstanding (annualized) (4)
0.27 %0.23 %0.10 %0.25 %0.12 %
Net charge-offs as a percentage of average loans outstanding, excluding PPP loans (annualized) (4)
0.28 %0.23 %0.10 %0.26 %0.12 %
Provision for credit losses as a percentage of net charge-offs152.66 %877.50 %198.67 %471.53 %190.75 %
Provision for credit losses$6,859  $30,967  $2,835  $37,826  $6,930  

DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES
(1) Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the federal income tax statutory rate of 21%.
(2) Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles, unfunded commitment expense and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs.
(3) Includes held for sale loans.
(4) Excludes held for sale loans.
For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Net Income$23,851  $4,727  $27,280  $28,578  $51,869  
Intangible amortization919  934  745  1,853  1,499  
Tax benefit of amortization of intangibles(193) (196) (156) (389) (315) 
Net Income, adjusted for tax affected amortization of intangibles24,577  5,465  27,869  30,042  53,053  
Average Tangible Equity:
   Total shareholders' equity$1,071,549  $1,071,318  $1,009,424  $1,071,433  $998,192  
   Less: intangible assets318,486  319,269  286,781  318,877  286,828  
       Tangible Equity753,063  752,049  722,643  752,556  711,364  
   Less: preferred stock—  —  —  —  —  
       Tangible Common Equity$753,063  $752,049  $722,643  $752,556  $711,364  
(8)Return on Average Tangible Common Equity
13.13 %2.92 %15.47 %8.03 %15.04 %


                   

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

DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES
  
For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Core Net Income:
Total Net Income$23,851  $4,727  $27,280  $28,578  $51,869  
Merger & acquisition related expenses—  —  34  —  34  
Tax benefit of merger & acquisition related expenses—  —  (7) —  (7) 
(5) Core net income
$23,851  $4,727  $27,307  $28,578  $51,896  
Average Shares Outstanding Assuming Dilution98,146,85498,361,49498,600,60998,254,42998,651,810
(6) Core Earnings per common share (diluted)
$0.24  $0.05  $0.28  $0.29  $0.53  
Intangible amortization919  934  745  1,853  1,499  
Tax benefit of amortization of intangibles(193) (196) (156) (389) (315) 
Core Net Income, adjusted for tax affected amortization of intangibles$24,577  $5,465  $27,896  $30,042  $53,080  
(9) Core Return on Average Tangible Common Equity
13.13 %2.92 %15.48 %8.03 %15.05 %
For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Core Return on Average Assets:
Total Net Income$23,851  $4,727  $27,280  $28,578  $51,869  
Total Average Assets9,043,554  8,337,321  7,986,474  8,690,437  7,932,988  
Return on Average Assets1.06 %0.23 %1.37 %0.66 %1.32 %
Core Net Income (5)
$23,851  $4,727  $27,307  $28,578  $51,896  
Total Average Assets9,043,554  8,337,321  7,986,474  8,690,437  7,932,988  
(7) Core Return on Average Assets
1.06 %0.23 %1.37 %0.66 %1.32 %

For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Pre-tax pre-provision income:
Net interest income (FTE)$67,045$68,121$67,581$135,165$133,524
Noninterest income21,81219,27321,90641,08540,778
Noninterest expense52,75650,27152,229103,027101,959
Pre-tax pre-provision income$36,101$37,123$37,258$73,223$72,343
Merger and acquisition related expenses$0$0$34$0$34
Core pre-tax pre-provision income$36,101$37,123$37,292$73,223$72,377
Net charge-offs$4,493$3,529$1,427$8,022$3,633

                   

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

For the Three Months EndedFor the Six Months Ended
June 30,March 31,June 30,June 30,June 30,
20202020201920202019
Core Efficiency Ratio:
Total Noninterest Expense$52,756  $50,271  $52,229  $103,027  $101,959  
Adjustments to Noninterest Expense:
Unfunded commitment reserve887  (2,539) 612  (1,652) 231  
Intangible amortization919  934  745  1,853  1,499  
Merger and acquisition related—  —  34  —  34  
Noninterest Expense - Core$50,950  $51,876  $50,838  $102,826  $100,195  
Net interest income, fully tax equivalent$67,045  $68,121  $67,581  $135,165  $133,524  
Total noninterest income21,812  19,273  21,906  41,085  40,778  
Net securities gains(8) (19) (6) (27) (6) 
Total Revenue$88,849  $87,375  $89,481  $176,223  $174,296  
Adjustments to Revenue:
Derivative mark-to-market(221) (1,741) (17) (1,962) (43) 
Total Revenue - Core$89,070  $89,116  $89,498  $178,185  $174,339  
(10)Core Efficiency Ratio
57.20 %58.21 %56.80 %57.71 %57.47 %
June 30,March 31,June 30,
202020202019
Tangible Equity:
   Total shareholders' equity$1,075,705  $1,057,924  $1,021,831  
   Less: intangible assets318,072  318,891  286,545  
       Tangible Equity757,633  739,033  735,286  
   Less: preferred stock—  —  —  
       Tangible Common Equity$757,633  $739,033  $735,286  
Tangible Assets:
   Total assets $9,364,655  $8,515,105  $8,070,854  
   Less: intangible assets318,072  318,891  286,545  
       Tangible Assets$9,046,583  $8,196,214  $7,784,309  
Less: PPP loans570,887  —  —  
       Tangible Assets$8,475,696  $8,196,214  $7,784,309  
(12)Tangible Common Equity as a percentage of Tangible Assets
8.37 %9.02 %9.45 %
(12)Tangible Common Equity as a percentage of Tangible Assets, excluding PPP loans
8.94 %9.02 %9.45 %
   Shares Outstanding at End of Period98,132,697  98,015,396  98,499,937  
(11)Tangible Book Value Per Common Share
$7.72  $7.54  $7.46  
Note: Management believes that it is 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.


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Document and Entity Information Document and Entity Information
Jul. 28, 2020
Document Information [Line Items]  
Entity Incorporation, State or Country Code PA
Amendment Flag false
Entity Registrant Name FIRST COMMONWEALTH FINANCIAL CORP /PA/
Document Fiscal Year Focus 2020
Entity Address, State or Province PA
Entity File Number 001-11138
Entity Tax Identification Number 25-1428528
Document Type 8-K
Entity Address, Address Line One 601 Philadelphia Street
Entity Address, City or Town Indiana
Entity Address, Postal Zip Code 15701
Document Period End Date Jul. 28, 2020
City Area Code 724
Local Phone Number 349-7220
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Document Fiscal Period Focus FY
Entity Central Index Key 0000712537
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