|         |                                                                                                  |
|---------|--------------------------------------------------------------------------------------------------|
| • | The efficiency ratio improved to 57.1%, driven by lower operational expenses and higher revenue; |

|         |                                                                                       |
|---------|---------------------------------------------------------------------------------------|
| • | Loans experienced solid growth from the prior quarter of 4.2% on an annualized basis; |

|         |                                                                     |
|---------|---------------------------------------------------------------------|
| • | Deposits grew from the prior quarter at an annualized rate of 8.6%; |

|         |                                                                  |
|---------|------------------------------------------------------------------|
| • | The net interest margin remained relatively stable at 3.27%; and |

|         |                                                          |
|---------|----------------------------------------------------------|
| • | Noninterest income grew by 13.2% from the prior quarter. |

|         |                                                                                                                                    |
|---------|------------------------------------------------------------------------------------------------------------------------------------|
| • | Second quarter net income was $12.0 million, or $0.14 diluted earnings per share.  Net income was impacted by the following items: |

|         |                                                                                                                                                          |
|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Net interest income increased by $0.3 million to $50.0 million as compared to the prior quarter, primarily as a result of strong commercial loan growth; |

|         |                                                                                                                  |
|---------|------------------------------------------------------------------------------------------------------------------|
| ◦ | Noninterest income increased by $1.8 million, driven by mortgage gain on sale income and commercial swap income; |

|         |                                                                                                                                                            |
|---------|------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Noninterest expense of $37.4 million decreased $0.7 million from the previous quarter and is now at the lowest level since the fourth quarter of 2007; and |

|         |                                                                                                                                                                                                        |
|---------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ◦ | Provision for credit losses totaled $10.4 million, an increase of $3.8 million from the previous quarter, primarily due to a $7.5 million specific reserve set aside against an energy-related credit. |

----

|                                 |
|---------------------------------|
|                                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (dollars in thousands,          | For the Three Months Ended |   | For the Six Months Ended |
| except per share data)          | June 30, |   | March 31, |   | June 30, |   | June 30, |   | June 30, |
|                            | 2016 |   | 2016 |   | 2015 |   | 2016 |   | 2015 |
| Net income                      | $12,007 |   | $12,473 |   | $13,447 |   | $24,480 |   | $27,668 |
| Diluted earnings per share      | $0.14 |   | $0.14 |   | $0.15 |   | $0.28 |   | $0.31 |
| Return on average assets        | 0.72 | % |   | 0.76 | % |   | 0.85 | % |   | 0.74 | % |   | 0.88 | % |
| Return on average common equity | 6.53 | % |   | 6.87 | % |   | 7.57 | % |   | 6.70 | % |   | 7.80 | % |
| Efficiency ratio (1)            | 57.06 | % |   | 60.10 | % |   | 63.96 | % |   | 58.56 | % |   | 64.08 | % |
| Core efficiency ratio (1)       | 57.24 | % |   | 59.53 | % |   | 63.25 | % |   | 58.37 | % |   | 63.04 | % |
| Net interest margin (FTE)       | 3.27 | % |   | 3.29 | % |   | 3.26 | % |   | 3.28 | % |   | 3.30 | % |

----

----

----

----

----

----

|                                                                     |
|---------------------------------------------------------------------|
|                                                                     |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                            |   |   |   |   |   |   |
| CONSOLIDATED FINANCIAL DATA                                         |   |   |   |   |   |   |   |   |   |
| Unaudited                                                           |   |   |   |   |   |   |   |   |   |
| (dollars in thousands, except per share data)                       |   |   |   |   |   |   |   |   |   |
|                                                                | For the Three Months Ended |   | For the Six Months Ended |
|                                                                | June 30, |   | March 31, |   | June 30, |   | June 30, |   | June 30, |
|                                                                | 2016 |   | 2016 |   | 2015 |   | 2016 |   | 2015 |
| SUMMARY RESULTS OF OPERATIONS                                       |   |   |   |   |   |   |   |   |   |
| Net interest income (FTE) (1)                                       | $ | 50,034 |  |   | $ | 49,749 |  |   | $ | 47,205 |  |   | $ | 99,783 |  |   | $ | 95,195 |  |
| Provision for credit losses                                         | 10,372 |  |   | 6,526 |  |   | 3,038 |  |   | 16,898 |  |   | 4,197 |  |
| Noninterest income                                                  | 15,558 |  |   | 13,715 |  |   | 16,347 |  |   | 29,273 |  |   | 30,538 |  |
| Noninterest expense                                                 | 37,410 |  |   | 38,144 |  |   | 40,634 |  |   | 75,554 |  |   | 80,488 |  |
| Net income                                                          | 12,007 |  |   | 12,473 |  |   | 13,447 |  |   | 24,480 |  |   | 27,668 |  |
|                                                                |   |   |   |   |   |   |   |   |   |
| Earnings per common share (diluted)                                 | $ | 0.14 |  |   | $ | 0.14 |  |   | $ | 0.15 |  |   | $ | 0.28 |  |   | $ | 0.31 |  |
|                                                                |   |   |   |   |   |   |   |   |   |
| KEY FINANCIAL RATIOS                                                |   |   |   |   |   |   |   |   |   |
|                                                                |   |   |   |   |   |   |   |   |   |
| Return on average assets                                            | 0.72 | % |   | 0.76 | % |   | 0.85 | % |   | 0.74 | % |   | 0.88 | % |
| Return on average shareholders' equity                              | 6.53 | % |   | 6.87 | % |   | 7.57 | % |   | 6.70 | % |   | 7.80 | % |
| Return on average tangible common equity (8)                   | 8.41 | % |   | 8.88 | % |   | 9.82 | % |   | 8.65 | % |   | 10.10 | % |
| Efficiency ratio (2)                                                | 57.06 | % |   | 60.10 | % |   | 63.96 | % |   | 58.56 | % |   | 64.08 | % |
| Core efficiency ratio (3)                                           | 57.24 | % |   | 59.53 | % |   | 63.25 | % |   | 58.37 | % |   | 63.04 | % |
| Net interest margin (FTE) (1)                                       | 3.27 | % |   | 3.29 | % |   | 3.26 | % |   | 3.28 | % |   | 3.30 | % |
|                                                                |   |   |   |   |   |   |   |   |   |
| Book value per common share                                         | $ | 8.34 |  |   | $ | 8.24 |  |   | $ | 7.99 |  |   |   |   |   |
| Tangible book value per common share (7)                            | 6.48 |  |   | 6.38 |  |   | 6.16 |  |   |   |   |   |
| Market value per common share                                       | 9.20 |  |   | 8.86 |  |   | 9.59 |  |   |   |   |   |
| Cash dividends declared per common share                            | 0.07 |  |   | 0.07 |  |   | 0.07 |  |   | $ | 0.14 |  |   | $ | 0.14 |  |
|                                                                |   |   |   |   |   |   |   |   |   |
| ASSET QUALITY RATIOS                                                |   |   |   |   |   |   |   |   |   |
| Nonperforming loans as a percent of end-of-period loans (4)    | 1.33 | % |   | 1.29 | % |   | 1.00 | % |   |   |   |   |
| Nonperforming assets as a percent of total assets (4)               | 1.09 | % |   | 1.06 | % |   | 0.82 | % |   |   |   |   |
| Net charge-offs as a percent of average loans (annualized)          | 0.48 | % |   | 0.18 | % |   | 0.39 | % |   |   |   |   |
| Allowance for credit losses as a percent of nonperforming loans (5) | 92.88 | % |   | 89.33 | % |   | 106.26 | % |   |   |   |   |
| Allowance for credit losses as a percent of end-of-period loans (5) | 1.24 | % |   | 1.15 | % |   | 1.01 | % |   |   |   |   |
|                                                                |   |   |   |   |   |   |   |   |   |
| CAPITAL RATIOS                                                      |   |   |   |   |   |   |   |   |   |
| Shareholders' equity as a percent of total assets                   | 11.0 | % |   | 10.9 | % |   | 11.3 | % |   |   |   |   |
| Tangible common equity as a percent of tangible assets (6)          | 8.8 | % |   | 8.7 | % |   | 8.9 | % |   |   |   |   |
| Leverage Ratio                                                      | 9.8 | % |   | 9.8 | % |   | 10.0 | % |   |   |   |   |
| Risk Based Capital - Tier I                                         | 11.1 | % |   | 11.1 | % |   | 11.5 | % |   |   |   |   |
| Risk Based Capital - Total                                          | 12.2 | % |   | 12.1 | % |   | 12.4 | % |   |   |   |   |
| Common Equity - Tier I                                              | 9.9 | % |   | 9.9 | % |   | 10.2 | % |   |   |   |   |

----

|                                                              |
|--------------------------------------------------------------|
|                                                              |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                     |   |   |   |   |   |
| CONSOLIDATED FINANCIAL DATA                                  |   |   |   |   |   |   |   |
| Unaudited                                                    |   |   |   |   |   |   |   |
| (dollars in thousands, except per share data)                |   |   |   |   |   |   |   |
|                                                         | For the Three Months Ended |   | For the Six Months Ended |   |
|                                                         | June 30, | March 31, | June 30, |   | June 30, | June 30, |   |
|                                                         | 2016 | 2016 | 2015 |   | 2016 | 2015 |   |
| INCOME STATEMENT                                             |   |   |   |   |   |   |   |
|    Interest income                            | $ | 53,850 |  | $ | 53,353 |  | $ | 50,150 |  |   | $ | 107,203 |  | $ | 101,235 |  |   |
|    Interest expense                           | 4,759 |  | 4,546 |  | 3,780 |  |   | 9,305 |  | 7,693 |  |   |
| Net Interest Income                                          | 49,091 |  | 48,807 |  | 46,370 |  |   | 97,898 |  | 93,542 |  |   |
|    Taxable equivalent adjustment (1)          | 943 |  | 942 |  | 835 |  |   | 1,885 |  | 1,653 |  |   |
| Net Interest Income  (FTE)                                   | 50,034 |  | 49,749 |  | 47,205 |  |   | 99,783 |  | 95,195 |  |   |
|    Provision for credit losses                | 10,372 |  | 6,526 |  | 3,038 |  |   | 16,898 |  | 4,197 |  |   |
| Net Interest Income after Provision for Credit Losses (FTE)  | 39,662 |  | 43,223 |  | 44,167 |  |   | 82,885 |  | 90,998 |  |   |
|                                                         |   |   |   |   |   |   |   |
|    Net securities (losses) gains              | 28 |  | — |  | 20 |  |   | 28 |  | 125 |  |   |
|    Trust income                               | 1,320 |  | 1,255 |  | 1,476 |  |   | 2,575 |  | 2,897 |  |   |
|    Service charges on deposit accounts        | 3,845 |  | 3,708 |  | 3,872 |  |   | 7,553 |  | 7,190 |  |   |
|    Insurance and retail brokerage commissions | 1,985 |  | 1,959 |  | 2,178 |  |   | 3,944 |  | 4,373 |  |   |
|    Income from bank owned life insurance      | 1,311 |  | 1,296 |  | 1,378 |  |   | 2,607 |  | 2,732 |  |   |
|    Gain on sale of mortgage loans             | 932 |  | 683 |  | 585 |  |   | 1,615 |  | 1,024 |  |   |
|    Gain on sale of other loans and assets     | 466 |  | 195 |  | 396 |  |   | 661 |  | 620 |  |   |
|    Card-related interchange income            | 3,784 |  | 3,557 |  | 3,729 |  |   | 7,341 |  | 7,147 |  |   |
| Derivative mark-to-market                                    | (531 | ) | (1,014 | ) | 593 |  |   | (1,545 | ) | 363 |  |   |
| Swap fee income                                              | 800 |  | 460 |  | 283 |  |   | 1,260 |  | 643 |  |   |
|    Other income                               | 1,618 |  | 1,616 |  | 1,837 |  |   | 3,234 |  | 3,424 |  |   |
| Total Noninterest Income                                     | 15,558 |  | 13,715 |  | 16,347 |  |   | 29,273 |  | 30,538 |  |   |
|                                                         |   |   |   |   |   |   |   |
|    Salaries and employee benefits             | 19,888 |  | 21,677 |  | 22,001 |  |   | 41,565 |  | 43,893 |  |   |
|    Net occupancy                              | 3,186 |  | 3,481 |  | 3,316 |  |   | 6,667 |  | 7,227 |  |   |
|    Furniture and equipment                    | 2,882 |  | 2,867 |  | 2,630 |  |   | 5,749 |  | 5,310 |  |   |
|    Data processing                            | 1,788 |  | 1,759 |  | 1,509 |  |   | 3,547 |  | 2,947 |  |   |
|    Pennsylvania shares tax                    | 1,092 |  | 758 |  | 1,110 |  |   | 1,850 |  | 1,904 |  |   |
|    Intangible amortization                    | 114 |  | 137 |  | 156 |  |   | 251 |  | 312 |  |   |
|    Collection and repossession                | 474 |  | 569 |  | 917 |  |   | 1,043 |  | 1,428 |  |   |
|    Other professional fees and services       | 913 |  | 791 |  | 945 |  |   | 1,704 |  | 1,875 |  |   |
|    FDIC insurance                             | 1,062 |  | 1,038 |  | 1,025 |  |   | 2,100 |  | 2,084 |  |   |
|    Litigation and operational losses          | 635 |  | 244 |  | 323 |  |   | 879 |  | 1,323 |  |   |
|    Loss on sale or write-down of assets       | 345 |  | 96 |  | 1,635 |  |   | 441 |  | 1,897 |  |   |
|    Other operating expenses                   | 5,031 |  | 4,727 |  | 5,067 |  |   | 9,758 |  | 10,288 |  |   |
| Total Noninterest Expense                                    | 37,410 |  | 38,144 |  | 40,634 |  |   | 75,554 |  | 80,488 |  |   |
|                                                         |   |   |   |   |   |   |   |
| Income before Income Taxes                                   | 17,810 |  | 18,794 |  | 19,880 |  |   | 36,604 |  | 41,048 |  |   |
|    Taxable equivalent adjustment (1)          | 943 |  | 942 |  | 835 |  |   | 1,885 |  | 1,653 |  |   |
|    Income tax provision                       | 4,860 |  | 5,379 |  | 5,598 |  |   | 10,239 |  | 11,727 |  |   |
| Net Income                                                   | $ | 12,007 |  | $ | 12,473 |  | $ | 13,447 |  |   | $ | 24,480 |  | $ | 27,668 |  |   |
|                                                         |   |   |   |   |   |   |   |
| Shares Outstanding at End of Period                          | 88,949,995 |  | 88,959,315 |  | 88,960,268 |  |   | 88,949,995 |  | 88,960,268 |  |   |
| Average Shares Outstanding Assuming Dilution                 | 88,838,614 |  | 88,845,201 |  | 88,939,003 |  |   | 88,840,683 |  | 89,903,550 |  |   |
|                                                         |   |   |   |   |   |   |   |

----

|                                                                  |
|------------------------------------------------------------------|
|                                                                  |  |  |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                         |   |   |   |
| CONSOLIDATED FINANCIAL DATA                                      |   |   |   |   |   |
| Unaudited                                                        |   |   |   |   |   |
| (dollars in thousands)                                           |   |   |   |   |   |
|                                                             |   |   |   |   |   |
|                                                             | June 30, |   | March 31, |   | June 30, |
|                                                             | 2016 |   | 2016 |   | 2015 |
| BALANCE SHEET (Period End)                                       |   |   |   |   |   |
| Assets                                                           |   |   |   |   |   |
|    Cash and due from banks                        | $ | 68,163 |  |   | $ | 62,141 |  |   | $ | 64,321 |  |
|    Interest-bearing bank deposits                 | 30,457 |  |   | 11,024 |  |   | 3,120 |  |
|    Securities available for sale, at fair value   | 913,420 |  |   | 950,795 |  |   | 1,143,072 |  |
|    Securities held to maturity, at amortized cost | 405,976 |  |   | 396,444 |  |   | 131,780 |  |
|    Loans held for sale                            | 11,613 |  |   | 5,849 |  |   | 9,817 |  |
|                                                             |   |   |   |   |   |
|      Loans                              | 4,843,776 |  |   | 4,798,755 |  |   | 4,490,854 |  |
|      Allowance for credit losses        | (59,821 | ) |   | (55,222 | ) |   | (45,344 | ) |
|    Net loans                                      | 4,783,955 |  |   | 4,743,533 |  |   | 4,445,510 |  |
|                                                             |   |   |   |   |   |
|    Goodwill and other intangibles                 | 165,481 |  |   | 165,594 |  |   | 162,781 |  |
|    Other assets                                   | 370,756 |  |   | 363,774 |  |   | 356,327 |  |
| Total Assets                                                     | $ | 6,749,821 |  |   | $ | 6,699,154 |  |   | $ | 6,316,728 |  |
|                                                             |   |   |   |   |   |
| Liabilities and Shareholders' Equity                             |   |   |   |   |   |
|    Noninterest-bearing demand deposits            | $ | 1,136,629 |  |   | $ | 1,155,795 |  |   | $ | 1,068,230 |  |
|                                                             |   |   |   |   |   |
|      Interest-bearing demand deposits   | 88,777 |  |   | 92,125 |  |   | 76,865 |  |
|      Savings deposits                   | 2,582,709 |  |   | 2,467,978 |  |   | 2,441,888 |  |
|      Time deposits                      | 586,405 |  |   | 585,757 |  |   | 623,124 |  |
|    Total interest-bearing deposits                | 3,257,891 |  |   | 3,145,860 |  |   | 3,141,877 |  |
|                                                             |   |   |   |   |   |
|    Total deposits                                 | 4,394,520 |  |   | 4,301,655 |  |   | 4,210,107 |  |
|                                                             |   |   |   |   |   |
|      Short-term borrowings              | 1,464,687 |  |   | 1,518,742 |  |   | 1,231,917 |  |
|      Long-term borrowings               | 81,201 |  |   | 81,342 |  |   | 111,356 |  |
|    Total borrowings                               | 1,545,888 |  |   | 1,600,084 |  |   | 1,343,273 |  |
|                                                             |   |   |   |   |   |
|    Other liabilities                              | 67,627 |  |   | 64,101 |  |   | 52,142 |  |
|    Shareholders' equity                           | 741,786 |  |   | 733,314 |  |   | 711,206 |  |
| Total Liabilities and Shareholders' Equity                       | $ | 6,749,821 |  |   | $ | 6,699,154 |  |   | $ | 6,316,728 |  |

----

|                                          |
|------------------------------------------|
|                                          |
| FIRST COMMONWEALTH FINANCIAL CORPORATION |
| CONSOLIDATED FINANCIAL DATA              |
| Unaudited                                |
| (dollars in thousands)                   |

|                                                         |
|---------------------------------------------------------|
|                                                         |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|                                                    | For the Three Months Ended |   | For the Six Months Ended |
|                                                    | June 30, | Yield/ | March 31, | Yield/ | June 30, | Yield/ |   | June 30, | Yield/ | June 30, | Yield/ |
|                                                    | 2016 | Rate | 2016 | Rate | 2015 | Rate |   | 2016 | Rate | 2015 | Rate |
| NET INTEREST MARGIN                                     |   |   |   |   |   |   |   |   |   |
|                                                    |   |   |   |   |   |   |   |   |   |   |   |
| Assets                                                  |   |   |   |   |   |   |   |   |   |   |   |
| Loans (FTE)(1)(4)                                       | $ | 4,833,360 |  | 3.86 | % | $ | 4,745,252 |  | 3.88 | % | $ | 4,498,965 |  | 3.87 | % |   | $ | 4,789,306 |  | 3.87 | % | $ | 4,488,660 |  | 3.89 | % |
| Securities and interest bearing bank deposits (FTE) (1) | 1,321,018 |  | 2.54 | % | 1,331,233 |  | 2.57 | % | 1,308,016 |  | 2.33 | % |   | 1,326,125 |  | 2.56 | % | 1,323,762 |  | 2.47 | % |
| Total Interest-Earning Assets (FTE) (1)                 | 6,154,378 |  | 3.58 | % | 6,076,485 |  | 3.59 | % | 5,806,981 |  | 3.52 | % |   | 6,115,431 |  | 3.59 | % | 5,812,422 |  | 3.57 | % |
| Noninterest-earning assets                              | 552,754 |  |   | 541,109 |  |   | 554,175 |  |   |   | 546,932 |  |   | 547,359 |  |   |
| Total Assets                                            | $ | 6,707,132 |  |   | $ | 6,617,594 |  |   | $ | 6,361,156 |  |   |   | $ | 6,662,363 |  |   | $ | 6,359,781 |  |   |
|                                                    |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and Shareholders' Equity                    |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing demand and savings deposits            | $ | 2,660,934 |  | 0.16 | % | $ | 2,553,896 |  | 0.11 | % | $ | 2,526,744 |  | 0.11 | % |   | $ | 2,607,415 |  | 0.13 | % | $ | 2,514,015 |  | 0.11 | % |
| Time deposits                                           | 578,518 |  | 0.62 | % | 594,929 |  | 0.62 | % | 694,725 |  | 0.69 | % |   | 586,723 |  | 0.62 | % | 741,738 |  | 0.73 | % |
| Short-term borrowings                                   | 1,447,452 |  | 0.58 | % | 1,503,013 |  | 0.60 | % | 1,204,466 |  | 0.37 | % |   | 1,475,233 |  | 0.59 | % | 1,172,957 |  | 0.36 | % |
| Long-term borrowings                                    | 81,268 |  | 3.62 | % | 81,409 |  | 3.57 | % | 122,410 |  | 2.57 | % |   | 81,339 |  | 3.59 | % | 134,831 |  | 2.38 | % |
| Total Interest-Bearing Liabilities                      | 4,768,172 |  | 0.40 | % | 4,733,247 |  | 0.39 | % | 4,548,345 |  | 0.33 | % |   | 4,750,710 |  | 0.39 | % | 4,563,541 |  | 0.34 | % |
| Noninterest-bearing deposits                            | 1,137,626 |  |   | 1,096,692 |  |   | 1,045,659 |  |   |   | 1,117,159 |  |   | 1,024,197 |  |   |
| Other liabilities                                       | 61,821 |  |   | 57,301 |  |   | 55,042 |  |   |   | 59,561 |  |   | 56,848 |  |   |
| Shareholders' equity                                    | 739,513 |  |   | 730,354 |  |   | 712,110 |  |   |   | 734,933 |  |   | 715,195 |  |   |
| Total Noninterest-Bearing Funding Sources               | 1,938,960 |  |   | 1,884,347 |  |   | 1,812,811 |  |   |   | 1,911,653 |  |   | 1,796,240 |  |   |
| Total Liabilities and Shareholders' Equity              | $ | 6,707,132 |  |   | $ | 6,617,594 |  |   | $ | 6,361,156 |  |   |   | $ | 6,662,363 |  |   | $ | 6,359,781 |  |   |
|                                                    |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Margin (FTE) (annualized)(1)               |   | 3.27 | % |   | 3.29 | % |   | 3.26 | % |   |   | 3.28 | % |   | 3.30 | % |

----

|                                                                          |
|--------------------------------------------------------------------------|
|                                                                          |  |  |  |  |  |  |  |  |  |
| FIRST COMMONWEALTH FINANCIAL CORPORATION                                 |   |
| CONSOLIDATED FINANCIAL DATA                                              |   |   |   |
| Unaudited                                                                |   |   |   |
| (dollars in thousands)                                                   |   |   |   |
|                                                                     | June 30, | March 31, | June 30, |
|                                                                     | 2016 | 2016 | 2015 |
| Loan Portfolio Detail                                                    |   |   |   |
| Commercial Loan Portfolio:                                               |   |   |   |
| Commercial, financial, agricultural and other                            | $ | 1,185,062 |  | $ | 1,190,384 |  | $ | 1,098,019 |  |
| Commercial real estate                                                   | 1,648,222 |  | 1,552,904 |  | 1,416,841 |  |
| Real estate construction                                                 | 242,132 |  | 256,856 |  | 125,010 |  |
| Total Commercial                                                         | 3,075,416 |  | 3,000,144 |  | 2,639,870 |  |
|                                                                     |   |   |   |
| Consumer Loan Portfolio:                                                 |   |   |   |
| Closed-end mortgages                                                     | 732,394 |  | 745,924 |  | 746,554 |  |
| Home equity lines of credit                                              | 466,611 |  | 467,038 |  | 457,945 |  |
| Total Real Estate - Consumer                                             | 1,199,005 |  | 1,212,962 |  | 1,204,499 |  |
|                                                                     |   |   |   |
| Auto loans                                                               | 481,887 |  | 499,897 |  | 559,438 |  |
| Direct installment                                                       | 25,160 |  | 25,126 |  | 26,095 |  |
| Personal lines of credit                                                 | 48,358 |  | 45,905 |  | 43,877 |  |
| Student loans                                                            | 13,950 |  | 14,721 |  | 17,075 |  |
| Total Other Consumer                                                     | 569,355 |  | 585,649 |  | 646,485 |  |
| Total Consumer Portfolio                                                 | 1,768,360 |  | 1,798,611 |  | 1,850,984 |  |
| Total Portfolio Loans                                                    | 4,843,776 |  | 4,798,755 |  | 4,490,854 |  |
| Loans held for sale                                                      | 11,613 |  | 5,849 |  | 9,817 |  |
| Total Loans                                                              | $ | 4,855,389 |  | $ | 4,804,604 |  | $ | 4,500,671 |  |
|                                                                     |   |   |   |
|                                                                     |   |   |   |
|                                                                     | June 30, | March 31, | June 30, |
|                                                                     | 2016 | 2016 | 2015 |
| ASSET QUALITY DETAIL                                                     |   |   |   |
| Nonperforming Loans:                                                     |   |   |   |
| Loans on nonaccrual basis                                                | $ | 38,404 |  | $ | 33,470 |  | $ | 21,776 |  |
| Troubled debt restructured loans held for sale on nonaccrual basis       | — |  | — |  | 2,432 |  |
| Troubled debt restructured loans on nonaccrual basis                     | 9,672 |  | 13,366 |  | 8,619 |  |
| Troubled debt restructured loans on accrual basis                        | 16,332 |  | 14,979 |  | 12,276 |  |
|        Total Nonperforming Loans      | $ | 64,408 |  | $ | 61,815 |  | $ | 45,103 |  |
| Other real estate owned ("OREO")                                         | 8,604 |  | 8,636 |  | 6,539 |  |
| Repossessions ("Repos")                                                  | 291 |  | 345 |  | 348 |  |
|        Total Nonperforming Assets     | $ | 73,303 |  | $ | 70,796 |  | $ | 51,990 |  |
| Loans past due in excess of 90 days and still accruing                   | 1,384 |  | 1,330 |  | 1,592 |  |
| Classified loans                                                         | 101,998 |  | 110,816 |  | 79,924 |  |
| Criticized loans                                                         | 128,280 |  | 142,625 |  | 120,506 |  |
|                                                                     |   |   |   |
| Nonperforming assets as a percentage of total loans, plus OREO and Repos | 1.51 | % | 1.47 | % | 1.16 | % |
| Allowance for credit losses                                              | $ | 59,821 |  | $ | 55,222 |  | $ | 45,344 |  |
|                                                                     |   |   |   |

----

|                                          |
|------------------------------------------|
|                                          |
| FIRST COMMONWEALTH FINANCIAL CORPORATION |
| CONSOLIDATED FINANCIAL DATA              |
| Unaudited                                |
| (dollars in thousands)                   |

|                                                                                         |
|-----------------------------------------------------------------------------------------|
|                                                                                         |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|                                                                                    | For the Three Months Ended |   | For the Six Months Ended |
|                                                                                    | June 30, | March 31, | June 30, |   | June 30, | June 30, |
|                                                                                    | 2016 | 2016 | 2015 |   | 2016 | 2015 |
| Net Charge-offs (Recoveries):                                                           |   |   |   |   |   |   |
|        Commercial, financial, agricultural and other | $ | 4,689 |  | $ | 1,258 |  | $ | 2,702 |  |   | $ | 5,947 |  | $ | 7,582 |  |
|        Real estate construction                      | (4 | ) | (223 | ) | (84 | ) |   | (227 | ) | (84 | ) |
|        Commercial real estate                        | 116 |  | (491 | ) | 471 |  |   | (375 | ) | 535 |  |
|        Residential real estate                       | 78 |  | 264 |  | 341 |  |   | 342 |  | 811 |  |
|        Loans to individuals                          | 894 |  | 1,308 |  | 961 |  |   | 2,202 |  | 2,060 |  |
| Net Charge-offs                                                                         | $ | 5,773 |  | $ | 2,116 |  | $ | 4,391 |  |   | $ | 7,889 |  | $ | 10,904 |  |
|                                                                                    |   |   |   |   |   |   |
| Net charge-offs as a percentage of average loans outstanding (annualized)               | 0.48 | % | 0.18 | % | 0.39 | % |   | 0.33 | % | 0.49 | % |
| Provision for credit losses as a percentage of net charge-offs                          | 179.66 | % | 308.41 | % | 69.19 | % |   | 214.20 | % | 38.49 | % |
| Provision for credit losses                                                             | $ | 10,372 |  | $ | 6,526 |  | $ | 3,038 |  |   | $ | 16,898 |  | $ | 4,197 |  |

|                                                                                                                                                                                                                                                                                                                                                         |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                         |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES                                                                                                                                                                                                                                                                                                     |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |
| (1) Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the 35% federal income tax statutory rate.                                                                                                                                                                                                             |
| (2) Efficiency ratio is "total noninterest expense" as a percentage of total revenue. Total revenue consists of "net interest income, on a fully taxable equivalent basis," plus "total noninterest income," excluding "net impairment losses" and "net securities gains."                                                                         |
| (3) Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles, unfunded commitment expense and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs. |
| (4) Includes held for sale loans.                                                                                                                                                                                                                                                                                                                  |
| (5) Excludes held for sale loans.                                                                                                                                                                                                                                                                                                                  |   |   |
|                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                    | For the Three Months Ended |   | For the Six Months Ended |
|                                                                                                                                                                                                                                                                                                                                                    | June 30, | March 31, | June 30, |   | June 30, | June 30, |
|                                                                                                                                                                                                                                                                                                                                                    | 2016 | 2016 | 2015 |   | 2016 | 2015 |
| Core Efficiency Ratio:                                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |
| Total Noninterest Expense                                                                                                                                                                                                                                                                                                                               | $ | 37,410 |  | $ | 38,144 |  | $ | 40,634 |  |   | $ | 75,554 |  | $ | 80,488 |  |
| Adjustments to Noninterest Expense:                                                                                                                                                                                                                                                                                                                     |   |   |   |   |   |   |
| Unfunded commitment reserve                                                                                                                                                                                                                                                                                                                             | (540 | ) | (375 | ) | 235 |  |   | (915 | ) | 741 |  |
| Intangible amortization                                                                                                                                                                                                                                                                                                                                 | 114 |  | 137 |  | 156 |  |   | 251 |  | 312 |  |
| Severance                                                                                                                                                                                                                                                                                                                                               | — |  | — |  | — |  |   | — |  | — |  |
| Merger and acquisition related                                                                                                                                                                                                                                                                                                                          | — |  | — |  | — |  |   | — |  | — |  |
| Loss on sale or writedown of assets                                                                                                                                                                                                                                                                                                                     | — |  | — |  | 436 |  |   | — |  | 486 |  |
| Noninterest Expense - Core                                                                                                                                                                                                                                                                                                                              | $ | 37,836 |  | $ | 38,382 |  | $ | 39,807 |  |   | $ | 76,218 |  | $ | 78,949 |  |
|                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |
| Net interest income, fully tax equivalent                                                                                                                                                                                                                                                                                                               | $ | 50,034 |  | $ | 49,749 |  | $ | 47,205 |  |   | $ | 99,783 |  | $ | 95,195 |  |
| Total noninterest income                                                                                                                                                                                                                                                                                                                                | 15,558 |  | 13,715 |  | 16,347 |  |   | 29,273 |  | 30,538 |  |
| Net securities (losses) gains                                                                                                                                                                                                                                                                                                                           | 28 |  | — |  | 20 |  |   | 28 |  | 125 |  |
| Total Revenue                                                                                                                                                                                                                                                                                                                                           | $ | 65,564 |  | $ | 63,464 |  | $ | 63,532 |  |   | $ | 129,028 |  | $ | 125,608 |  |
|                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |
| Adjustments to Revenue:                                                                                                                                                                                                                                                                                                                                 |   |   |   |   |   |   |
| Derivative mark-to-market                                                                                                                                                                                                                                                                                                                               | (531 | ) | (1,014 | ) | 593 |  |   | (1,545 | ) | 363 |  |
| Total Revenue - Core                                                                                                                                                                                                                                                                                                                                    | $ | 66,095 |  | $ | 64,478 |  | $ | 62,939 |  |   | $ | 130,573 |  | $ | 125,245 |  |
|                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |
| (3)Core Efficiency Ratio                                                                                                                                                                                                                                                                                                                                | 57.24 | % | 59.53 | % | 63.25 | % |   | 58.37 | % | 63.04 | % |

----

|                                               |
|-----------------------------------------------|
|                                               |
| FIRST COMMONWEALTH FINANCIAL CORPORATION      |
| CONSOLIDATED FINANCIAL DATA                   |
| Unaudited                                     |
| (dollars in thousands, except per share data) |

|                                                                                                                                                                                                                                        |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES                                                                                                                                                                                    |   |   |   |   |   |
|                                                                                                                                                                                                                              |   |   |
|                                                                                                                                                                                                                                   | June 30, | March 31, | June 30, |   |   |   |
|                                                                                                                                                                                                                                   | 2016 | 2016 | 2015 |   |   |   |
| Tangible Equity:                                                                                                                                                                                                                       |   |   |   |   |   |   |
|    Total shareholders' equity                                                                                                                                                                                           | $ | 741,786 |  | $ | 733,314 |  | $ | 711,206 |  |   |   |   |
|    Less: intangible assets                                                                                                                                                                                              | 165,481 |  | 165,594 |  | 162,781 |  |   |   |   |
|        Tangible Equity                                                                                                                                                                              | 576,305 |  | 567,720 |  | 548,425 |  |   |   |   |
|    Less: preferred stock                                                                                                                                                                                                | — |  | — |  | — |  |   |   |   |
|        Tangible Common Equity                                                                                                                                                                       | $ | 576,305 |  | $ | 567,720 |  | $ | 548,425 |  |   |   |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
| Tangible Assets:                                                                                                                                                                                                                       |   |   |   |   |   |   |
|    Total assets                                                                                                                                                                                                         | $ | 6,749,821 |  | $ | 6,699,154 |  | $ | 6,316,728 |  |   |   |   |
|    Less: intangible assets                                                                                                                                                                                              | 165,481 |  | 165,594 |  | 162,781 |  |   |   |   |
|        Tangible Assets                                                                                                                                                                              | $ | 6,584,340 |  | $ | 6,533,560 |  | $ | 6,153,947 |  |   |   |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
| (6)Tangible Common Equity as a percentage of Tangible Assets                                                                                                                                                                           | 8.75 | % | 8.69 | % | 8.91 | % |   |   |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
|    Shares Outstanding at End of Period                                                                                                                                                                                  | 88,949,995 |  | 88,959,315 |  | 88,960,268 |  |   |   |   |
| (7)Tangible Book Value Per Common Share                                                                                                                                                                                                | $ | 6.48 |  | $ | 6.38 |  | $ | 6.16 |  |   |   |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                   | For the Three Months Ended |   | For the Six Months Ended |
|                                                                                                                                                                                                                                   | June 30, | March 31, | June 30, |   | June 30, | June 30, |
|                                                                                                                                                                                                                                   | 2016 | 2016 | 2015 |   | 2016 | 2015 |
| Average Tangible Equity:                                                                                                                                                                                                               |   |   |   |   |   |   |
|    Total shareholders' equity                                                                                                                                                                                           | $ | 739,513 |  | $ | 730,354 |  | $ | 712,110 |  |   | $ | 734,933 |  | $ | 715,195 |  |
|    Less: intangible assets                                                                                                                                                                                              | 165,527 |  | 165,666 |  | 162,865 |  |   | 165,597 |  | 162,942 |  |
|        Tangible Equity                                                                                                                                                                              | 573,986 |  | 564,688 |  | 549,245 |  |   | 569,336 |  | 552,253 |  |
|    Less: preferred stock                                                                                                                                                                                                | — |  | — |  | — |  |   | — |  | — |  |
|        Tangible Common Equity                                                                                                                                                                       | $ | 573,986 |  | $ | 564,688 |  | $ | 549,245 |  |   | $ | 569,336 |  | $ | 552,253 |  |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
| (8)Return on Average Tangible Common Equity                                                                                                                                                                                            | 8.41 | % | 8.88 | % | 9.82 | % |   | 8.65 | % | 10.10 | % |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |
| Note: Management believes that it is a standard practice in the banking industry to present these non-GAAP measures.  These measures provide useful information to management and investors by allowing them to make peer comparisons. |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |