#1WesBanco By all accounts, better. Investor Presentation (2Q2016) (financials as of Q1 2016) 4 May 2016#2Forward-Looking Statements Forward-looking statements in this report relating to WesBanco's plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco's 2015 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the Securities and Exchange Commission ("SEC"), including WesBanco's Form 10-Q for the quarter ended March 31, 2016, which are available at the SEC's website, www.sec.gov or at WesBanco's w site, www.wesbanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco's most recent Annual Report on Form 10-K filed with the SEC under "Risk Factors" in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, that the businesses of WesBanco and Your Community Bankshares, Inc. ("YCB") may not be integrated successfully or such integration may take longer to accomplish than expected; the expected cost savings and any revenue synergies from the proposed merger of WesBanco and YCB may not be fully realized within the expected timeframes; disruption from the proposed merger of WesBanco and YCB may make it more difficult to maintain relationships with clients, associates, or suppliers; the required governmental approvals of the proposed merger may not be obtained on the expected terms and schedule; YCB's shareholders may not approve the proposed merger; the effects of changing regional and national economic conditions; changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; internet hacking; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco's operational and financial performance. WesBanco does not assume any duty to update forward-looking statements. 1#3Who and Where We Are ➤ Founded in 1870 > Headquartered in Wheeling, WV $8.6 billion in assets 141 financial centers ▸ Strong credit quality and regulatory compliance Growing market share Top 10: Columbus, Pittsburgh, and West Virginia Top 20: Cincinnati ➤ Diversified revenue generation ▪ Trust services Securities brokerage Wealth management Investment management Insurance Fort Wayne Frankfort O Dayire Cincinnati KY Lexington PA 25% Top Market Share OH 40% Glumbus 00 • Diego OH WV 35% Akron Charlestom Balanced Market Distribution Loans Deposits PA 26% WV WEST OH 34% asburgh WV 40% MD Note: asset, location, loan, and deposit data as of 3/31/2016; market share based on MSA deposit rankings (source: SNL) (approximated on map by2 circles) (Pittsburgh MSA excludes BNY Mellon; Columbus MSA reflects announced HBAN-FMER merger & excludes single Wells Fargo branch)#4Experienced and Stable Management Team Executive James Gardill Todd Clossin Robert Young Ivan Burdine Jonathan Dargusch Jay Zatta Lynn Asensio Michael Perkins Position Chairman of the Board President & Chief Executive Officer EVP & Chief Financial Officer EVP & Chief Credit Officer EVP - Wealth Management EVP Chief Lending Officer EVP Retail Administration - EVP Chief Risk & Admin Officer = as legal counsel to WesBanco Note: all key operating executives listed have large firm experience Years in Banking 44* 32 30 36 35 30 38 21 Years at WSBC 44 3 15 3 6 8 11 21 3 ان#5Key Differentiators ➤ Emerging regional financial services company with a community bank at its core ▪ Diversified revenue growth engines with a critical focus on credit quality ▪ Well-balanced loan and deposit distribution across footprint ■ Robust legacy market share combined with three major metropolitan markets Top ten market share in the Pittsburgh and Columbus MSAs Strong legacy of credit and risk management > Solid, and growing, non-interest income generation ■ $3.6B of assets under management through our 100-year old trust business $894MM AUM through our proprietary mutual funds, the WesMark Funds ➤ Focus on cross-selling - average ratio on new consumer relationships has increased 37% to 4.3 Strong expense management culture with an efficiency ratio of 55.5%, despite having sizable non-bank fee-based businesses. Well-positioned for continued, high-quality growth Note: financial data as of quarter ending 3/31/2016; market share based on MSAS (source: SNL); cross-sale data is measured 90 days after relationship opening and reflects Dec-2015 compared to Dec-2013; please see the efficiency ratio reconciliation in the appendix#6Diversified Growth Strategies > Diversified loan portfolio with a focus on Commercial and Industrial (C&I) ▪ Increased productivity from and enhancements to the commercial lending team Long history of strong wealth management capabilities Proprietary mutual funds, and a century of trust experience ▪ Established wealth management, insurance, and private banking services are keys to fee income strategy Traditional retail banking services strategies ▪ Focus on customer convenience and service ▪ Institution-wide dedication to cross-selling across multiple markets Strong culture of expense management Focus on delivering positive operating leverage while making investments Emphasis on technology to streamline and improve processes Franchise expansion in contiguous markets Targeted acquisitions within a reasonable geographic hub of our headquarters ■ 5#7Diversified Loan Portfolio > Realignment of resources to higher growth markets > Focus on Commercial and Industrial (C&I) business with dedicated C&I and Business Banking teams in all metropolitan markets with limited direct and indirect credit exposure to the energy industry Composition as of 3/31/2011 Comml & Industrial 12% Comml R/E: Improved Property 49% Comml R/E Land, Construction 5% Total Loans = $3.2B Consumer HELOC Residential RE 18% Composition as of 3/31/2016 Comm'l & Industrial 15% Comm'l R/E: Improved Property 37% Comm'l R/E: Land, Construction. 8% Consumer 8% Total Loans = $5.1B HELOC 8% Residential R/E 24% 6#8Diversified Loan Portfolio - Energy Exposure ➤ In general, efforts related to the shale oil and gas industry are centered on deposit and wealth management growth as opposed to loan growth ➤Minimal exposure to the oil, gas, and coal industry ■ Direct exposure is approximately 1% of $5.1B total loan portfolio Indirect exposure is an additional approximate 2% of the total loan portfolio ➤ Review of loans to the oil, gas, and coal industry performed during the fourth quarter of 2015 did not identify any material portfolio weakness on an aggregate basis ■ No material change in credit quality as of March 31, 2016 ➤While reduced oil and natural gas prices have led to a slowdown in new well drilling, investments continue to be made in our regions by large energy companies as these stronger energy players see the proven leases as a long-term investment opportunity Note: loan and asset data as of 3/31/16 7#9Strong Wealth Management Capabilities Trust, Securities Brokerage, Private Banking, and Insurance consolidated under one executive management team ■ $3.6B of trust and mutual fund assets under management ▪ $315MM in private banking loans and deposits More than 5,000 trust and 1,000 private banking relationships ➤ Significant growth opportunities from shale-related private wealth Robust product capabilities: ▪ Trust and investment management, and securities investment sales Private client services ■ ▪ Financial, retirement, and estate planning ▪ Insurance (personal, commercial, title, health) Trust Assets (Market Value as of 12/31) ($B) $3.8 $2.3 $3.0 $2.4 H 2002 2006 2008 2012 2016 (3/31) Note: assets and clients as of 3/31/16; WesMark Funds net assets as of 3/31/16 $2.7 2004 $2.9 $3.2 2010 $3.6 2014 CAGR WesMark Fundsc Net Assets Growth Gov't Bond WV Muni Bond Balanced Sm. Co. Growth (SMM) $323.1 $258.7 $121.1 $ 99.6 $ 91.5#10Well-Positioned in Growing Wealth Markets ~90% of deposits and trust assets located in Marcellus/Utica shale regions Ann Arbor Shale Formations Marcellus Utica Median Household Income More than $82,000 $68,001 to $82,000 $53,001 to $68,000 $39,001 to $53,000 $24,001 to $39,000 end apolis MI Fort Wayne Quisville Don mcinnati Frankfort Lexington Livonia -Toledo Detroit OH plumbus Cleveland Akron Charleston Ene Pittsburgh Note: assets and location data as of 3/31/2016; household income data as of 2012 (source: SNL) VA PA NY Harrisburg. C "Baltimore Richmond Alle Phila Washington M Annapolis Arlington Alexandria 9#11Retail Banking Strategies Efficient financial center network with effective staff management and technology utilization supported by centralized, low-cost back office functions ➤ Full suite of treasury management products, including international services, and enhanced wire and lockbox capabilities Transitioning financial center personnel from transaction-based to sales- based activity Full integration of CRM system to ensure relationship building and referrals ▪ Centers in key markets have bankers licensed to offer investment products Majority of center managers have completed or are enrolled in our Business Banking Academy program Strong growth in securities sales, business banking loans, and e-banking fees ■ ➤ Continuous reviews for financial center optimization Technology deployments and an omni-channel distribution model ▪ Since 2012, closed nine offices, downsized five, and opened three new offices in more attractive markets Note: location data as of 3/31/2016 10#12Strong Culture of Expense Management ➤ Scalable technology infrastructure supports both organic and acquisition growth without significant additional investment > Utilize technology to reduce travel cost and enhance communication Communication infrastructure modernization has reduced communication costs more than 40% since 2013 ■ Upgrade of corporate phone systems and increased utilization of video conferencing Elimination of all personal computers with installation of "thin-client" technology 61.4% 59.5% 62.2% 2011 61.0% Efficiency Ratio 2012 62.2% 61.0% 61.6% 2013 59.6% 58.7% 57.1% 2014 --Peer Average -WSBC Note: financial data as of 12/31/2015; please see the efficiency ratio reconciliation in the appendix; peer average efficiency ratio represents a simple average of WSBC's peer group (source - as of 5/2/16: SNL, company reports); peer group includes SRCE, CHFC, CBU, EGBN, FNB, FCF, FFBC, FRME, NBTB, ONB, PRK, PNFP, STBA, TMP, TOWN, UBSH, UBSI 59.0% 2015 55.5% 2016 (3/31) 11#13Franchise Expansion > Focus on targeted acquisitions in existing markets and new higher- growth metro areas ➤ History of successful acquisitions that have improved earnings ➤ Adequate capital and liquidity, along with strong regulatory relationships, provides ability to execute transactions quickly ➤ Diligent efforts to retain a community bank look and feel Critical, long-term focus on shareholder return GenDenis M Labayen INDIANA INDUNAPOLI Dondon a MSHVILLE SAUVIGER Loan Contiguous Markets Radius Cincin KENTUCKY TENNESSEE Ur F M COLUMBL 13 M OHIO Cleve anda 5 HUND Kingsto Akad 1 B Pitsburgh WEST VIRGINIA Wode 20 chourg ringon E PENNSYLNIA 20 HURTSBURG VIRGINIA Fredericksburgh Washington MARYLAND Baltimore RICHMONDO TER Long udos 208 17 BRUCH H Virginia Beach Recent Acquisitions ESB: announced Oct-14; closed Feb-15 Fidelity: announced Jul-12; closed Nov-12 Am Trust (5 branches): announced Jan-09; closed Mar-09 Oak Hill: announced Jul-07; closed Nov-07 12#14Long-Term Value Proposition ▸ Diversified and well-balanced regional financial services company ▸ Strong legacy of credit and risk management ➤ Disciplined growth, balanced by a fundamental focus on expense management, that delivers positive operating leverage and increases shareholder value Well-defined growth strategies for long-term success of key stakeholders ➤ Average loans to average deposits ratio of 83.2% provides significant opportunity for growth ➤ Regularly achieve 5-star ratings from Baeur Financial and recognition as one of America's best banks* Return on Tangible Common Equity (ROTCE) 13.2% 11.7% 2011 13.6% 12.3% 2012 -WSBC 15.8% 12.8% 2013 Peer Average 15.4% 12.7% 14.6% 13.4% 13.1% 2015 2014 - WSBC (excl. merger expenses) 14.4% 12.1% 1Q16 as recognized by a leading financial magazine Note: loan to deposit ratio represents 3/31/16 quarter; please see the ROTCE reconciliation in the appendix for WSBC and WSBC (excl. merger expenses); peer ROTCE from SNL (as of 5/1/16) and represents a simple average of WSBC's peer group (see slide # 11) 13#15WesBanco By all accounts, better. Financial Overview#16Financial and Operational Highlights - Q1 2016 Net income up 13.2 % and EPS up 1.7% (excluding merger-related costs) Return on tangible common equity of 14.4% 5.4% organic loan growth since 3/31/2015 ▸ Non-interest income increased 6.6% year-over-year driven by higher e-banking and deposit fees, net securities gains, and other income > Positive operating leverage driven by a core focus on return on investment, allowing a strong efficiency ratio of 55.5%, compared to 58.2% a year ago > Continued improvement in asset quality as non-performing loans to total loans ratio of 0.85% improved 35 basis points from a year ago > Loan pipelines remain robust, and anticipate mid-single digit overall loan growth, tempered by quarterly construction loan portfolio fluctuations Note: financial data as of quarter ending 3/31/2016, which reflects impact of the ESB merger, and compared the quarter ending 3/31/2015; please see the reconciliations to GAAP results in the appendix 15#17Financial Performance Summary ($000s, except earnings per share) Net Income (1) Diluted Earnings per Share (¹) Net Charge-Offs as % of Average Loans Net Interest Margin (FTE) Return on Average Assets (1) Return on Average Tangible Equity (1) Efficiency Ratio (1) Three Months Ending 3/31/15 $ 20,213 $ 0.59 0.16% 3.59% 0.83% 11.78% 58.24% 3/31/16 $ 22,874 0.60 0.12% 3.29% 1.08% 14.40% 55.52% Change 13.2% 1.7% (4bp) (30bp) 25bp 262bp (272bp) Twelve Months Ending 12/31/14 $ 70,825 $ 2.41 0.23% 3.61% 1.13% 15.57% 59.59% 12/31/15 $ 87,965 $ 2.34 0.20% 3.41% 1.08% 14.58% 57.05% Change 24.2% (2.9%) (3bp) (20bp) (5bp) (99bp) (1) excludes merger-related expenses Note: please see the reconciliations to GAAP results in the appendix; ESB Financial Corporation merger consummated February 10, 2015 (254bp) 16#18Net Interest Margin Net interest margin has been impacted due to ▪ A change in the mix of investments to total earning assets and lower yields on securities portfolio primarily due to the ESB Financial merger Repricing of existing loans and competitive pricing on new loans ▪ “Lower for longer” interest rate environment with a flatter yield curve and LIBOR swap spreads > Positioned for asset sensitivity in rising rate shock and ramp environments ■ 3.53% 2012 3.58% 2013 Net Interest Margin (FTE) 3.61% 2014 Annual 3.41% 2015 I 3.63% 3.59% 1Q14 1Q15 Quarterly 3.29% 1Q16 17#19Securities Portfolio Securities portfolio represents -28% of total assets Agency securities calls during Q1 2016; plus, selective sales to manage risk and portfolio efficiency ■ Higher percentage of assets due to ESB Financial merger . Balance sheet risk reduction strategy Use to fund future loan growth No credit-related issues Average tax-equivalent portfolio yield of 2.90% > Weighted average life ~4.4 years ➤ 54% unpledged ➤ Helps stay under $10B threshold even with 1-2 smaller acquisitions during next 1-3 years (adjust portfolio size) Note: financial data as of 3/31/2016 Composition as of 3/31/2016 Agency Mortgage- Backed & CMO 58% Other 1% Total Securities = $2.4B Municipals 35% Corporate Bonds 3% U.S. Gov't Agencies 3% 18#20Interest Rate Sensitivity > Positioned for asset sensitivity in a rising rate ramp environment Immediate Change in Interest Rates +1% Rate Shock +2% Rate Shock +3% Rate Shock +2% Rate Ramp (1%) Rate Shock EVE +2% Rate Shock EVE (1%) Rate Shock Change in Net Interest Income from Base over One Year December 31, 2015 +3.6% +5.5% +6.2% +3.0% (2.7%) +1.9% (8.8%) March 31, 2016 +4.0% +5.6% +6.3% +3.2% (2.5%) +3.8% (9.9%) Note: "EVE" is the economic value of equity, which is defined as the market value of equity in various increasing and decreasing rate scenarios 19#21Diversified Revenue Generation: Non-Interest Income Operating non-interest income contributed 24% of net revenue in 2015 > Wealth management businesses (trust, securities brokerage) contributed $29.6MM to 2015 revenue, a year-over-year increase of $1.6MM due to customer development initiatives and new talent hires in several regions ► 1Q16 operating non-interest income reflects growth in electronic banking and deposits fees from higher transaction volume and growth in demand and savings deposit products $80 $70 $60 $50 $40 $30 $20 $10 SO Operating Non-Interest Income ($MM) $68.7 2013 ■Deposits $68.6 2014 Annual e-Banking ■Trust $73.2 2015 I ■Brokerage $18.0 1Q15 $18.3 1Q16 Quarterly ☐BOLI Other Note: operating non-interest income (excludes gain/loss on securities and on sale of OREO property) is a non-GAAP measure, please see the reconciliations to GAAP results in the appendix 20#22Risk Management and Regulatory Compliance Conservative underwriting standards > Five consecutive "outstanding" CRA ratings > Analyzing cost of processes for crossing the $10B Dodd-Frank threshold ➤ Liquidity, loan, and capital stress testing in preparation for post-$10B DFAST reporting Enhancing our strong compliance management system > Strong risk-based capital ratios well above regulatory requirements Basel III Tier 1 Risk-Based Capital Ratio Basel III Common Equity Tier 1 Capital Ratio 11.49% 11.71% 11.93% 11.66% 11.58% 14.09% 13.47% 13.69% 13.35% 13.30% |||II ||||| 3Q15 3Q15 1Q15 2Q15 4Q15 1Q16 Required 6.0% 1Q15 2Q15 4Q15 1Q16 Required 4.5% 21#23Returning Value to Shareholders Since 2010, dividend has increased 71% ► 1Q16 dividend payout ratio 40.0%, compared to 33.6% for SNL $5-10B bank peer group ► 1Q16 dividend yield 3.0%, compared to 2.2% for SNL $5-10B bank peer group $0.15 $0.15 $0.16 $0.16 $0.17 $0.17 $0.18 $0.18 Dividends per Share ($) $0.19 $0.19 $0.20 $0.20 $0.22 $0.22 $0.22 $0.22 T S0.23 $0.23 $0.23 $0.23 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2011 2012 2013 2014 $0.24 Q2 Q3 Q4 Q1 2015 2016 Note: dividend increase is through Feb-2016 announced dividend increase; WSBC dividend yield based upon 4/25/16 closing stock price of $32.11; SNL bank peer group dividend data as of 102016 (as of 5/2/16) 22#24Investment Rationale ▸ Diversified and well-balanced regional financial services company Disciplined growth, balanced by a fundamental focus on expense management, that delivers positive operating leverage and increases shareholder value > Strong legacy of credit and risk management ► Favorable asset quality when compared to regional and national peers Well-defined growth strategies for long-term success of key stakeholders ➤ Focus on returning value to shareholders > Stock trades at a 1-2x multiple discount - despite above peer financial performance Well-positioned for continued, high-quality growth with strong upside market appreciation potential 23#25WesBanco By all accounts, better.#26WesBanco By all accounts, better. Appendix#27Financial Performance Summary Trend - Annual Net Income (1) ($MM) $43.8 2011 0.81% $52.1 2012 0.93% $64.8 2013 2012 Return on Average Assets (1) 1.13% 1.06% $70.8 2013 2014 2014 $88.0 2015 1.08% 59.50% 2015 2011 13.18% Efficiency Ratio (1) 2011 60.98% 2012 14.24% 60.99% 2013 2012 Return on Average Tangible Equity (1) 15.99% 59.59% 2014 2011 (1) excludes merger-related expenses Note: please see the reconciliations to GAAP results in the appendix; ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 2013 15.57% 57.05% 2014 2015 14.58% 2015 26#28Diligent Focus on Credit Quality Loan loss allowance decline due to improvement in credit quality Net Charge-Offs as % of Average Loans 1.30% 2011 1.62% 0.66% 2012 2011 0.38% 1.15% 2013 0.23% Non-Performing Assets to Total Assets 0.92% 2014 0.89% 0.23% 2015 2014 0.60% Legacy Loan Loss Allowance to Legacy Loans 1.69% 2015 2011 1.56% 2012 2011 1.28% 1.89% 2013 1.14% 1.45% 2014 NPAs to Total Loans, OREO & Repossessed Assets 2.77% 1.37% 2012 2013 2012 2013 Note: please see the reconciliations to GAAP results in the appendix; ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 0.97% 2015 2014 1.00% 2015 27#29Stock Performance: Long-Term Cumulative Return 600% 500% 400% 300% 200% 100% 0% (100%) 1977 1980 1983 1986 1989 1992 -WSBC 1995 1998 2001 -S&P500 2004 2007 2010 Note: cumulative return since WSBC IPO compared to the cumulative return for the S&P500 Index over the same time period 2013 3/31/2016 28#30Reconciliation: Efficiency Ratio ($000s) Non-Interest Expense Restructuring & Merger-Related Expense Non-Interest Expense excluding Restructuring & Merger-Related Exp. Net Interest Income (FTE-basis) Non-Interest Income Total Income Efficiency Ratio Three Months Ending 3/31/15 $ 53,441 $(9,733) $ 43,708 $ 18,190 3/31/16 $ 58.24% -- $ 45,343 $140,295 $150,120 $160,998 $161,633 12/31/11 $ 19,393 Twelve Months Ending 55.52% 12/31/12 12/31/13 12/31/14 $ 59,888 $ 56,857 $62,276 $175,885 $175,027 $192,556 $200,545 $246,014 $ (3,888) $ (1,310) $ (1,309) $ 45,343 $140,295 $146,232 $159,688 $160,324 $182,841 59.50% 12/31/15 $ 75,047 $ 81,669 $235,773 $239,802 $261,841 $269,049 $320,480 $193,923 60.98% $(11,082 ) $ 64,775 $ 69,285 $ 68,504 $74,466 60.99% 59.59% Note: "efficiency ratio" is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 57.05% 29#31Reconciliation: Net Income and EPS (Diluted) ($000s, except earnings per share) Net Income Restructuring & Merger-Related Expense (Net of Tax) Net Income (excluding restructuring & merger-related expense) Net Income per Diluted Share Restructuring & Merger-Related Expense per Diluted Share (Net of Tax) Earnings per Diluted Share (excluding restructuring & merger-related expenses) Three Months Ending 3/31/15 3/31/16 $ 13,887 $ 6,326 $ 20,213 0.19 0.59 $ 22,874 $ 0.40 $ 0.60 - 34,478 $ 22,874 $ 0.60 12/31/11 12/31/12 12/31/13 12/31/14 $ 43,809 CO Twelve Months Ending $ 49,544 CA $ 2,527 $ 43,809 $ 52,071 $ 1.65 $ 1.84 $ 0.09 $ 1.65 $ 1.93 Average Common Shares Outstanding - Diluted (000s) Note: ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 38,402 26,615 26,889 $ 63,925 $ 851 $ 851 $ 64,776 2.18 $ 0.03 $ 69,974 $ 2.21 $ 70,825 $ 2.39 $ $ 12/31/15 $ 80,762 $ 7,203 $ 87,965 $ 0.03 $ 2.15 0.19 2.42 $ 2.34 29,345 29,334 37,547 30#32Reconciliation: Return on Average Assets ($000s) Net Income (1) Merger-Related Expenses (net of tax) (1) Net Income before Merger-Related Expenses Average Assets Return on Average Assets Return on Average Assets (excluding merger-related expenses) Three Months Ending 3/31/15 $ 56,319 $ 6,326 3/31/16 0.75% $ 91,999 0.83% - $ 62,645 $ 91,999 $ 43,809 $7,531,095 $8,551,720 $5,440,243 12/31/11 $ 43,809 1.08% 1.08% 0.81% 0.81% Twelve Months Ending 12/31/12 $ 49,544 $ 2,527 $ 52,071 0.88% 0.93% 12/31/13 12/31/14 (1) three-month net income figures are annualized; amortization of intangibles tax effected at 35% Note: ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 $ 63,925 851 $ 64,776 1.05% $ 69,974 1.06% 851 $ 70,825 $5,606,386 $6,109,311 $6,253,253 $8,123,981 1.12% 12/31/15 1.13% $ 80,762 $ 7,203 $ 87,965 0.99% 1.08% 31#33Reconciliation: Return on Average Tangible Equity ($000s) Net Income (1) Amortization of Intangibles (1) Net Income before Amortization of Intangibles Merger-Related Expenses (net of tax) (1) Net Income before Amortization of Intangibles & Merger-Related Expenses Average Total Shareholders Equity Average Goodwill & Other Intangibles, Net of Deferred Tax Liabilities Average Tangible Equity Return on Average Tangible Equity Return on Average Tangible Equity (excluding merger-related expenses) Three Months Ending 3/31/15 $ 56,319 $ 1,491 $ 6,326 3/31/16 $ 91,999 $ 57,810 $ 93,907 $ 1,908 $ 64,136 $ 93,907 $956,836 $1,139,514 10.62% 12/31/11 $ 43,809 $ 1,566 14.40% $ 45,375 $ 45,375 Twelve Months Ending 12/31/12 12/31/13 $ 49,544 $ 63,925 $ 1,398 13.18% $ 50,942 $ 2,527 $ 1,487 $ 65,412 13.57% 851 11.78% 14.40% 13.18% (1) three-month net income figures are annualized; amortization of intangibles tax effected at 35% Note: ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 14.24% $ 53,469 $ 66,263 $ 72,073 12/31/14 $ 69,974 $ 1,248 $ 71,222 15.79% 851 $(412,454) $(487,210) $(280,718) $(281,326) $(318,913) $(317,523) $(442,215) 15.99% $625,061 $656,684 $733,249 $780,423 $1,059,490 $544,382 $652,304 $344,343 $375,358 $414,336 $462,900 $617,275 12/31/15 $ 80,762 $ 2,038 15.39% $ 82,800 15.57% $ 7,203 $ 90,003 13.41% 14.58% 32#34Reconciliation: Operating Non-Interest Income ($000s) Service Charges on Deposits Electronic Banking (e-Banking) Fees Trust Fees Net Securities Brokerage Revenue Bank-Owned Life Insurance Other Fee Income Operating Non-Interest Income Net Securities Gains / (Loss) Net Gain / (Loss) on Other Real Estate Owned and Other Assets Total Non-Interest Income Three Months Ending 3/31/15 $ 3,652 $ 3,325 $ 6,053 $ 2,059 $ 1,251 $ 1,706 $ 18,046 $ 22 $ 122 $ 18,190 3/31/16 $ 3,952 $ 3,604 $ 5,711 $ 1,896 $ 973 $ 2.164 $ 18,300 $ 1,111 $ (18) Twelve Months Ending 12/31/13 $ 17,925 $ 12,198 $ 19,577 $ 6,248 $ 4,664 $ 8,070 $ 68,682 $ 684 $ (81) $ 19,393 $ 69,285 12/31/14 $ 16,135 $ 12,708 $ 21,069 $ 6,922 $ 4,614 $ 7,159 $ 68,607 903 $ (1,006) $ 68,504 Note: ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 12/31/15 $ 16,743 $ 14,361 $ 21,900 $ 7,692 $ 4,863 $ 7,603 $ 73,162 $ 948 $ 356 $ 74,466 33#35Reconciliation: Legacy Loan Loss Allowance to Total Legacy Loans ($000s) Loan Loss Allowance Acquired Allowance Legacy Loan Loss Allowance Total Portfolio Loans Acquired Loans Total Legacy Portfolio Loans Legacy Loan Allowance as a % of Total Legacy Portfolio Loans 12/31/11 $ 54,810 $ $ 54,810 Twelve Months Ending 12/31/12 1.69% $ 52,699 $ 52,699 12/31/13 $ 47,368 $(582) 1.56% $ 46,786 $(313,398) $(227,429) 12/31/14 1.28% $ 44,654 Note: ESB Financial merger closed February 2015 and Fidelity Bancorp merger closed November 2012 $(500) $3,239,368 $3,374,364 $3,667,488 $3,889,743 $ 44,154 $3,239,368 $3,687,762 $3,894,917 $4,086,766 $5,065,842 12/31/15 $ 41,710 1.14% $( 1) $ 41,709 $(197,023) $(773,190) $4,292,652 0.97% 34