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Income Overview
Net Income
$41,328K
EPS
$0.39
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
Interest and fees on loans
147,728
-
Taxable interest
13,614
-
Interest exempt from federal income taxes
90
-
Dividends
786
-
Interest on bank deposits
491
-
Total interest income
162,709
-
Interest on deposits
47,038
-
Interest on short-term borrowings
1,262
-
Interest on subordinated debentures
1,858
-
Interest on other long-term debt
1,389
-
Interest on lease obligations
39
-
Total interest expense
51,586
-
Net interest income
111,123
-
Provision for credit losses - portfolio
11,327
-
Provision for credit losses - acquisition day 1 non-pcd
0
-
Net interest income after provision for credit losses
99,796
93,584
Gain losses maturities and impairment
369
0
Gain (loss) on equity securities
0
0
Trust income
3,477
3,029
Service charges on deposit accounts
5,913
5,595
Insurance and retail brokerage commissions
3,499
3,097
Income from bank owned life insurance
1,712
1,938
Gain on sale of mortgage loans
2,132
1,836
Gain on sale of other loans and assets
1,085
2,217
Card-related interchange income
3,985
3,998
Derivatives mark to market
2
0
Swap fee income
243
439
Other income
2,440
2,600
Total noninterest income
24,857
24,749
Salaries and employee benefits
40,717
40,584
Net occupancy expense
5,110
4,894
Furniture and equipment expense
4,427
4,547
Data processing expense
4,260
4,085
Advertising and promotion
1,931
1,457
Intangible amortization
1,337
1,338
Intangible amortization
1,567
1,311
Other professional fees and services
1,843
1,903
Fdic insurance
1,653
1,550
Loss on sale or write-down of assets
-87
-71
Litigation and operational losses
582
470
Amortization of debt issuance costs
0
0
Business combination, integration-related cost, expense
165
3,955
Other noninterest expense
9,155
10,103
Total noninterest expense
72,834
76,268
Income before income taxes
51,819
42,065
Income tax provision
10,491
8,663
Net income
41,328
33,402
Basic EPS
0.4
0.32
Diluted EPS
0.39
0.32
Basic Average Shares
104,383,217
103,628,392
Diluted Average Shares
104,754,917
103,928,428
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$147,728K
Taxable interest
$13,614K
Dividends
$786K
Interest on bank deposits
$491K
Interest exempt from
federal income taxes
$90K
Total interest income
$162,709K
Net interest income
$111,123K
Service charges on
deposit accounts
$5,913K
Card-related interchange
income
$3,985K
Insurance and retail
brokerage commissions
$3,499K
Trust income
$3,477K
Other income
$2,440K
Gain on sale of
mortgage loans
$2,132K
Income from bank owned
life insurance
$1,712K
Gain on sale of other
loans and assets
$1,085K
Gain losses
maturities and impairment
$369K
Swap fee income
$243K
Derivatives mark to market
$2K
Total interest
expense
$51,586K
Net interest income
after provision for...
$99,796K
Total noninterest
income
$24,857K
Provision for credit
losses - portfolio
$11,327K
Interest on deposits
$47,038K
Interest on subordinated
debentures
$1,858K
Interest on other
long-term debt
$1,389K
Interest on short-term
borrowings
$1,262K
Interest on lease
obligations
$39K
Income before income
taxes
$51,819K
Total noninterest
expense
$72,834K
Net income
$41,328K
Income tax provision
$10,491K
Salaries and employee
benefits
$40,717K
Other noninterest
expense
$9,155K
Net occupancy
expense
$5,110K
Furniture and equipment
expense
$4,427K
Data processing
expense
$4,260K
Advertising and promotion
$1,931K
Other professional
fees and services
$1,843K
Fdic insurance
$1,653K
Intangible amortization
$1,567K
Intangible amortization
$1,337K
Litigation and operational
losses
$582K
Business combination,
integration-related cost, expense
$165K
Loss on sale or
write-down of assets
-$87K
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FIRST COMMONWEALTH FINANCIAL CORP PA (FCF)
FIRST COMMONWEALTH FINANCIAL CORP PA (FCF)