First Commonwealth Financial(FCF) - 2022 Q4 - Earnings Call Presentation

圈 Commonwealth。 4Q 2022 Earnings Release Webcast Presentation January 25, 2022 FORWARD-LOOKING STATEMENTS 4Q 2022 Earnings Release Webcast Presentation (1) Please refer to the appendix for a reconciliation of non-GAAP measures (2) Represents excess capital above the bank-level Tier 1 Capital regulatory "well capitalized" requirement of 8.0% NET INTEREST INCOME AND NET INTEREST MARGIN − Cost of funds were 0.39% during the Approximately $3.8 billion, or 50%, of the$ 7.6 billion loan portfolio is variable − Av ...