Investor Presentation (2Q2016)

Diligent 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

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