Strength and Stability - SNL Financial

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FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES FORM 10-K INDEX PART I PAGE ITEM 1. Business ............................................................................ 4 ITEM 1A. Risk Factors ........................................................................ 12 ITEM 1B. Unresolved Staff Comments ........................................................... 15 ITEM 2. Properties .......................................................................... 16 ITEM 3. Legal Proceedings ................................................................... 16 ITEM 4. Submission of Matters to a Vote of Security Holders ....................................... 16 PART II ITEM 5. Market for Registrant’s Common Stock, Related Stockholder Matters and Issuer Purchase of Equity Securities .................................................................... 17 ITEM 6. Selected Financial Data ............................................................... 19 ITEM 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations ....... 20 ITEM 7A. Quantitative and Qualitative Disclosures About Market Risk ............................... 45 ITEM 8. Financial Statements and Supplementary Data ........................................... 46 ITEM 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure ....... 103 ITEM 9A. Controls and Procedures .............................................................. 103 ITEM 9B. Other Information ................................................................... 103 PART III ITEM 10. Directors, Executive Officers and Corporate Governance .................................. 104 ITEM 11. Executive Compensation .............................................................. 104 ITEM 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters ............................................................................ 104 ITEM 13. Certain Relationships and Related Party Transactions, and Director Independence ............ 105 ITEM 14. Principal Accountant Fees and Services ................................................. 105 PART IV ITEM 15. Exhibits, Financial Statements and Schedules ............................................ 106 Signatures .......................................................................... 108 2
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES FORWARD-LOOKING STATEMENTS Certain statements contained in this report 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, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements include, among others, statements regarding our strategy, evaluations of our asset quality, future interest rate trends and liquidity, prospects for growth in assets and prospects for future operating results. Forward-looking statements can generally be identified by the use of words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.” Forward-looking statements are based on assumptions of management and are only expectations of future results. You should not place undue reliance on our forward-looking statements. Our actual results could differ materially from those projected in the forward-looking statements as a result of, among others, the risk factors described in Item 1A of this report. Forward-looking statements speak only as of the date on which they are made. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made. 3
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