First Commonwealth Financial Corporation (FCF)

FCF Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	559.58	541.29	490.71	302.21	267.6	275.19
Interest Income on Investments	59.18	59.18	39.29	27.75	26.24	26.02
Total Interest Income	618.76	600.46	530	329.95	293.84	301.21
Interest Paid on Deposits	180.25	191.03	112.41	6.71	5.75	21.97
Interest Paid on Borrowings	30.54	30.54	31.92	11.02	9.55	10.97
Total Interest Expense	210.79	221.57	144.32	17.73	15.3	32.94
Net Interest Income	407.97	378.89	385.68	312.22	278.54	268.27
Net Interest Income Growth (YoY)	7.49%	-1.76%	23.53%	12.09%	3.83%	-0.59%
Trust Income	12.56	11.82	10.52	10.52	11.11	9.1
Gain (Loss) on Sale of Assets	-0.47	-0.45	-0.2	-0.34	-0.3	-0.68
Gain (Loss) on Sale of Investments	-4.77	-5.45	-0.1	0	0.02	0.07
Other Non-Interest Income	52.2	55.43	54.06	57.24	55.96	45.33
Total Non-Interest Income	96.97	98.78	96.41	98.37	106.45	93.8
Non-Interest Income Growth (YoY)	-0.78%	2.46%	-1.99%	-7.60%	13.49%	11.98%
Revenues Before Loan Losses	504.94	477.67	482.08	410.59	385	362.07
Provision for Loan Losses	36.21	29.17	14.81	21.11	-1.38	56.72
Revenue	468.73	448.5	467.27	389.48	386.37	305.35
Revenue Growth (YoY)	2.69%	-4.02%	19.97%	0.80%	26.53%	-9.95%
Salaries and Employee Benefits	154.84	144.39	139.07	122.33	116.41	116.06
Occupancy Expenses	20.5	19.78	19.22	18.04	16.59	17.65
Federal Deposit Insurance	6.02	5.97	6.26	2.87	2.53	2.7
Amortization of Goodwill & Intangibles	5.38	5.02	4.98	3.2	3.5	3.69
Selling, General & Administrative	51.67	49	47.75	43.13	40.6	37.4
Other Non-Interest Expense	43.51	41.14	38.75	35.2	31.61	29.27
Total Non-Interest Expense	281.91	265.31	256.04	224.76	211.23	206.77
EBT Excluding Unusual Items	186.82	183.19	211.23	164.72	175.14	98.58
Legal Settlements	-2.77	-4.59	-4.64	-2.83	-2.32	-1.41
Other Unusual Items	-	-	-	-	-	-0.87
Pretax Income	179.54	178.21	197.56	160.19	172.82	90.2
Income Tax Expense	36.27	35.64	40.49	32	34.56	16.76
Net Income	143.28	142.57	157.06	128.18	138.26	73.45
Net Income to Common	143.28	142.57	157.06	128.18	138.26	73.45
Net Income Growth	-5.46%	-9.23%	22.53%	-7.29%	88.24%	-30.27%
Basic Shares Outstanding	103	102	102	94	96	97
Diluted Shares Outstanding	103	102	102	94	96	98
Shares Change (YoY)	0.81%	0.38%	8.45%	-2.04%	-1.96%	-0.84%
EPS (Basic)	1.39	1.40	1.55	1.37	1.45	0.75
EPS (Diluted)	1.39	1.39	1.54	1.37	1.44	0.75
EPS Growth	-6.06%	-9.74%	12.47%	-4.91%	92.00%	-29.91%
Dividend Per Share	0.540	0.520	0.500	0.480	0.460	0.440
Dividend Growth	4.85%	4.00%	4.17%	4.35%	4.54%	7.32%
Effective Tax Rate	20.20%	20.00%	20.50%	19.98%	20.00%	18.58%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q