S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Shareholder Meeting (May 2015)
19 slides from S&t Bancorp's shareholder meeting presentation, May 20, 2015
Slide 1: 2015 Annual Meeting
Sali Bancorpin. 2015 Annual Meeting
Slide 2: Charles G. Urtin, Chairman of the Board
Charles G. Urtin Chairman of the Board
Slide 3: Todd D. Brice, President and Chief Executive Officer
Todd D. Brice President and Chief Executive Officer
Slide 4: Forward Looking Statement and Risk Factor
Forward Looking Statement and Risk Factor This presentation contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements include, among others, statements regarding trend
Slide 5: Corporate Profile
Corporate Profile Headquartered in Indiana, PA $6.0 billion in assets (as of 03.31.15) Institutional ownership: 44% Insider ownership: 3% $988 million market cap. (as of 03.31.15) Stock price: $28.38 (as of 03.31.15) Bank holding company with 63 offices and 5 insurance locations Stock symbol: STBA-N
Slide 6: 2014 Accomplishments
2014 Accomplishments Net Income and EPS increased 15% Stock price increased by 18%, Total Return 21% ROA/ROE in the top quartile of our peer group Loan growth of $303 million or 8.5% Net charge offs of only $58K Expense increase of $0.2 million Expansion in central Ohio, State College and western Ne
Slide 7: Performance Summary
Performance Summary 1Q 2015 2014 2013 2012 2011 Net Income $12.8 $57.9 $50.5 $34.2 $39.7 (in millions) Earnings Per Share $0.41 $1.95 $1.70 $1.18 $1.41 Dividends Per Share $0.18 $0.68 $0.61 $0.60 $0.60 Stock Price $28.38 $29.81 $25.31 $18.07 $19.55 ROA 0.99%* 1.22% 1.12% 0.79% 0.97% ROE 7.85%* 9.71%
Slide 8: Expansion Into Southcentral PA
Expansion Into Southcentral PA Timeline Date Event October 30, 2014 Announcement February 24, 2015 Shareholder Approval March 4, 2015 Bancorp Merger March 16, 2015 All Regulatory Approvals May 8, 2015 Bank Merger Management Team Retention Integrity Deal Integrity Consideration $172 million New Posit
Slide 9: People
People Board Changes – Joseph A. Kirk – retiring after 23 years – James T. Gibson – Jerry D. Hostetter – Steven J. Weingarten Senior Management – Rebecca A. Stapleton – Chief Banking Officer – George Basara – General Counsel and Human Resources
Slide 10: S&T Branding
S&T Branding S&T Bank’s brand evolution, introduced in February, reinforces: – Tradition of one-on-one customer service – Community-driven banking – History of trust – Products and services – Hard working employees Lifestage marketing approach Own the & in the marketplace Connects employees & shareh
Slide 11: Shareholder Value Creation
Shareholder Value Creation Multi-faceted growth Profit improvement Operational effectiveness Culture Customer experience Risk management
Slide 12: Mark Kochvar, Chief Financial Officer
Mark Kochvar Chief Financial Officer
Slide 13: Return on Average Assets
Return on Average Assets 1.6% 1.4% 1.2% Peer* 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 2011 2012 2013 2014 1Q 15* * * Bank Holding Companies $3-10 Billion of Assets ** Annualized
Slide 14: Return on Average Equity
Return on Average Equity 12.5% 10.0% Peer* 7.5% 5.0% 2.5% 0.0% 2011 2012 2013 2014 1Q 15* * * Bank Holding Companies $3-10 Billion of Assets ** Annualized
Slide 15: Loans and Deposits
Loans and Deposits ($ in millions) 5,000 4,500 4,000 3,500 3,000 2,500 2,000 2011 2012 2013 2014 1Q 15 Loans Deposits
Slide 16: Net Charge Offs / Average Loans
Net Charge Offs / Average Loans 1.0% 0.8% 0.5% Peer* 0.3% 0.0% 2011 2012 2013 2014 1Q 15* * * Bank Holding Companies $3-10 Billion of Assets ** Annualized
Slide 17: Non Interest Expense / Average Assets
Non Interest Expense / Average Assets 4.0% 3.5% Peer* 3.0% 2.5% 20% . 1.5% 1.0% 0.5% 0.0% 2011 2012 2013 2014 1Q 15* * * Bank Holding Companies $3-10 Billion of Assets ** Annualized
Slide 18: Total Risk Based Capital
Total Risk Based Capital 20.0% 17.5% Peer* 15.0% 12.5% 10.0% 7.5% 5.0% 2.5% 0.0% 2011 2012 2013 2014 1Q 15
Slide 19: 2015 Annual Meeting
Sali Bancorpin. 2015 Annual Meeting