S&t Bancorp, Inc. · NASDAQ:STBA

S&t Bancorp — Investor Presentation (March 2014)

24 slides from S&t Bancorp's investor presentation, Mar 24, 2014

  1. Slide 1: S&T Bancorp, Inc. Investor Presentation

    Todd Brice President and Chief Executive Officer Mark Kochvar Sr. EVP and Chief Financial Officer Exhibit 99.1

  2. Slide 2: S&T Bancorp, Inc. at a glance

    ts] y SePBancorp, Inc Headquartered in Indiana, PA $45 billion in assets (os of 1231.13) Institutional ownership: 42% Insider ownership: 4% $752 million market cap. es of 1231.13) Stock price: $25.31 (as of 1231.13) Bank holding company with 55 offices and 5 insurance locations ++ + te ee %* Northea

  3. Slide 3: Seasonally adjusted economic data

    Source: Federal Reserve Bank of St. Louis Seasonally adjusted

  4. Slide 4: All Transactions; Not seasonally adjusted

    Source: Federal Reserve Bank of St. Louis All Transactions; Not seasonally adjusted Index 2005: Q1=100

  5. Slide 5: Long-Term Marcellus Shale Benefit

    Long-Term Marcellus Shale Benefit

  6. Slide 6: Opportunistic & Effective Acquisitions/Expansions

    Opportunistic & Effective Acquisitions/Expansions • 2014 – Hired two community bankers in - State College, PA • 2014 – Loan production office opened in - Columbus, OH • 2012 – Loan production office opened in $ 106 * Fairlawn, OH • 2012 - Gateway Bank of Pennsylvania • 2012 - Mainline Bancorp • 2008

  7. Slide 7: Loan Growth

    Loan Growth inmilions 150 - 100 50 -100 -150 -200 Qi Q2 Q3 Q4 Ql Q2 Q3 Q4 AL Q2 Q3 Qs QL Q2 Q3 Qs At QZ a3 as 2009 2010 2011 2012 2013 Net LoanGrowth

  8. Slide 8: Bank Holding Companies $3-10 Billion of Assets

    * Bank Holding Companies $3-10 Billion of Assets

  9. Slide 9: Bank Holding Companies $3-10 Billion of Assets

    * Bank Holding Companies $3-10 Billion of Assets

  10. Slide 10: Full Time Equivalent Employees

    Full Time Equivalent Employees Gateway 1,000 950 900 850 300 | 750 . 2008 2009 2010 2011 2012 2013

  11. Slide 11: Bank Holding Companies $3-10 Billion of Assets

    * Bank Holding Companies $3-10 Billion of Assets

  12. Slide 12: Bank Holding Companies $3-10 Billion of Assets

    * Bank Holding Companies $3-10 Billion of Assets

  13. Slide 13: Bank Holding Companies $3-10 Billion of Assets

    * Bank Holding Companies $3-10 Billion of Assets

  14. Slide 14: KBW Regional Banking Index comparison

    Source: Bloomberg *KRX – KBW Regional Banking Index as of 3.13.14

  15. Slide 15: KBW Regional Banking Index comparison

    Source: Bloomberg *KRX – KBW Regional Banking Index as of 3.13.14

  16. Slide 16: Lines of Business

    Commercial Banking Retail Banking Wealth Management Insurance Lines of Business

  17. Slide 17: Annual Summary

    Annual Summary Dollars in thousands, except per share data * Refer to appendix for reconciliation of Non-GAAP financial measures

  18. Slide 18: Income Statement

    Income Statement Dollars in thousands, except per share data

  19. Slide 19: Balance Sheet

    Balance Sheet Dollars in thousands

  20. Slide 20: Loan Portfolio

    Loan Portfolio Dollars in thousands

  21. Slide 21: Asset quality ratios

    Sh Bancorp, Inc 2013 2012 2011 2010 2009 = 2008 Nonaccrual Loans/Total Loans 0.63% 1.63% 1.79% 1.90% 2.67% 1.19% Nonperforming Assets/Total Loans Plus OREO. 0.64% 1.66% 1.92% 2.07% 2.80% 1.21% Net Charge-offs/Average Loans 0.25% 0.78% 0.56% 11% 1.60% 0.31% Allowance for Loan Losses/Total Loans 1.30%

  22. Slide 22: Capital Ratios

    Capital Ratios * Refer to appendix for reconciliation of Non-GAAP financial measures

  23. Slide 23: Appendix – Non-GAAP Measures

    APPENDIX – Non-GAAP Measures

  24. Slide 24: Slide 24

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