First Commonwealth Financial(FCF) - 2024 Q2 - Earnings Call Presentation

Financial Performance - Core earnings per share were $0.36, a decrease of $0.01 from the previous quarter[2],[113] - Core pre-tax pre-provision income was $54.4 million[2],[5] - Core PTPP ROAA was 1.87%[2],[5] - Net interest margin was 3.57%, a 5 basis point increase from the previous quarter[2],[21] - Total operating revenue was $120.5 million[5] - Noninterest expense was $65.8 million, with a core efficiency ratio of 53.63%[2],[5] Balance Sheet - Average deposits grew by $199.9 million, or 8.7% annualized, from the previous quarter[2],[18] - Total loans grew by $13.9 million, or 0.6% annualized, from the previous quarter[2],[28] - Available liquidity was $5.0 billion[2],[52] - Excess capital was $292.4 million[2] - TCE ratio was 8.7%[2],[8]