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First Commonwealth Financial Corporation Old Courthouse Square 22 North Sixth Street Indiana, Pennsylvania 15701-0400 (724) 349-7220 (800) 711-2265

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First Commonwealth Financial Corporation Old Courthouse Square 22 North Sixth Street Indiana, Pennsylvania 15701-0400 (724) 349-7220 (800) 711-2265 Service. Commitment. Leadership. First Commonwealth Financial Corporation Old Courthouse Square 22 North Sixth Street Indiana, Pennsylvania 15701-0400 (724) 349-7220 (800) 711-2265 www.fcbanking.com 2007 Annual Report Table of Contents Annual Awards...................................................1 A Message to Shareholders...................................2 Service. Commitment. Leadership. ........................4 Michael Price Joins FCB........................................9 Board of Directors............................................ 10 Corporate Information....................................... 11 Shareholder Information.................................... 12 Form 10-K Vision Statement First Commonwealth will be the financial services organization of First Choice for our marketplace. 2007 Golden Tower Award Brad Bellas Wendy Piper Joanne Gibson Mellissa Rorabaugh Amy Hupko Faye Rosatti Mark Lopushansky Mick Watson Bill Mrozowski Lori Whetstone 2007 Spirit of Community Service Award Gretchen Blystone Alicia Minick Cindy Byers Dorothy Nepereny Kia Dozier Debbie Reynolds Jennifer Eberhart Lindsey Risinger-Allison Deana Gaston Will Seale Barbara Gauker Christopher Stelma Lori Gower John Tate Corbin Jack Rita Trudel Kristi Kooser Anitra Weyandt Cookie Kuzemczak Lynn Wolinsky Matthew Linder Justin Wroblewski Kathleen Lisbon 2007 Hero Award Joyce Lock Judith Weston 2007 First Choice Service Award Alana Balzer John Tate A Message to Shareholders In many ways, 2007 marked a new beginning for First Commonwealth… It was a year focused on bringing to life a strategic and all opportunities that presented themselves. plan that placed its emphasis precisely where it On November 13, 2007, Mike Price joined our belongs…on the customer. But as we all know, a plan organization as president of First Commonwealth is only as good as its execution, and 2007 was devoted Bank. Mike brought with him a 20-year track record to executing our plan. of retail banking success. Mike’s leadership is a key The first step in this process was realigning step in positioning First Commonwealth to meet and the structure of our organization to enable First exceed our future growth objectives. Commonwealth to respond and adapt quickly to the We will achieve these objectives through a needs of our clients. This organizational agility was disciplined and proactive approach to our sales critical in our efforts to attract new client households efforts. We are already beginning to see the effects while expanding the services we offer to existing of the changes we have implemented. Our focus on client households. strategy execution resulted in increases to our wealth A commitment to responsiveness and convenience management fee income, as well as our total fee income for our clients was at the heart of our service efforts for 2007. Our household retention rate for 2007 and our development of new financial products in significantly outperformed the national bank average, 2007. We have now reviewed and refined over half of and we increased deposit share in nearly 70 percent of the products we offer, and we continue to review the the counties we serve. We also continued to expand remaining products. First Commonwealth’s presence in the Pittsburgh With an organizational structure in place that market by adding two new retail locations. allowed us to provide role clarity and operate more Although there are still many challenges to effectively and more efficiently, our attention turned overcome, we know we are moving in the right to securing the necessary talent and expertise that direction. In 2007, we more clearly defined the would enable us to take full advantage of any methodology used to assess our strategic performance. 2 First Commonwealth place an even greater emphasis and additional resources toward our primary target segments, including the women’s segment and small business clients. We will also re-evaluate the way we package our products, and we will work to further enhance our organizational efficiency so that our ability to adapt and refine our product offerings is second to none. We will accomplish these goals thanks to the efforts of the people who truly make First From the board of directors to the department level, Commonwealth what it is. Change is never easy, and our Balanced Scorecard management tool allows us 2007 was a year of constant and significant change to instill greater accountability in attaining corporate for our organization. But our employees met the goals and objectives. These Scorecards will provide challenge with dedication and enthusiasm. During both financial and non-financial targets that support this organizational transition, our people never lost the corporate strategy and serve as an ongoing measure sight of the fact that our purpose as employees is to of performance. maximize the return we provide to our shareholders. From the realignment of our organizational And we do this by serving our clients to the very best structure to the detailed measurement of corporate of our ability. performance, everything we accomplished in 2007 Indeed, 2007 was a new beginning for our was done to position First Commonwealth as the First organization, and I am confident that 2008 will be Choice of the communities we have the privilege of the next chapter in what will become a powerful story serving. Our commitment to being First Choice will of determination, commitment, and success. only grow throughout 2008 and beyond. We will — John J. Dolan, President and CEO 2007 Annual Report 3 Service. Commitment. Leadership. Exceptional products and exceptional service delivered by exceptional people. At First Commonwealth, we believe First Commonwealth is committed success requires a winning strategy. And to delivering on its promise: to become our winning strategy involves service the financial services organization of to our clients; commitment to our core First Choice by demonstrating our care values, the communities we serve, and our and concern for our customers. We win employees; and strong leadership. by helping others win; our success is In order to serve our clients, we rooted in the success of our clients. must understand them, which requires a fundamental commitment to learning about—and caring about—their needs and goals. Are we easy to do business with? Are our services convenient and do they meet clients’ needs? What are the dreams of our small business owners? What will make companies stronger and more profitable? How can the up-and- Executives and guests from First Commonwealth Financial Corporation (NYSE: FCF) visited the coming professional enjoy today while New York Stock Exchange on Monday, October 29 planning for a prosperous tomorrow? How to celebrate the company’s 15th anniversary of listing. In honor of the occasion, President and can we make buying homes less stressful CEO John J. Dolan rang the closing bell. and retirement more enjoyable? 4 First Commonwealth “I make it a personal goal to meet a new person every day. And a lot of those people I meet eventually do business with us,” says First Commonwealth’s Joe Dell. “People are not transactions. People are people, and whether they are down on their luck or making a multi-million dollar deal, they deserve respect.” Dell oversees corporate lending and credit administration, as well as commercial real estate and the corporate banking group. Since 1985 when he came to First Commonwealth, he has lived by his philosophy and has inspired the people who report to him to do the same. “Treating people right is good business.” —Joseph E. Dell Jr. Executive Vice President/ Commercial Services 2007 Annual Report 5 A Commitment to People Our winning strategy means fulfilling our and have their own distinct needs and commitment to people. First, we advocate goals. We believe the relationships we for our clients. We help them identify develop with each client will lead to what they need and what they want their their financial stability and success, just money to do for them: A new house? as these relationships help to make First College for the kids? A major equipment Commonwealth stronger as well. purchase or an addition to the building? Finally, First Commonwealth And then we provide the products and has a storied commitment to the services to help them. communities it serves. We have always Second, we develop personal played and continue to play an active relationships with our clients— role in strengthening our communities relationships built on time and trust. by encouraging volunteer service by Our clients know us by name, and we our employees, participating in and know them. They feel comfortable and sponsoring community organizations secure knowing they can rely on their and events, and financially supporting First Commonwealth banker, teller, loan local charitable groups. Our Golden officer, and wealth management consultant. Tower and Spirit of Community Service Our clients come from all walks of life awards are tangible illustrations of how we demonstrate our commitment to the First Commonwealth’s Core Values communities we serve. Integrity This three-fold commitment— Teamwork Initiative advocacy, relationships, and community Professionalism Fairness presence—translates into a successful Positive Attitude financial services strategy that yields both goodwill and success, even in challenging financial times. 6 First Commonwealth Wendy Piper has lived by a simple philosophy during her 23 years with First Commonwealth… “leaders don’t say go, they say let’s go.” It may be
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