Slide 1: WesBanco
Small enoughtolisten, Wy Wesbanco
Slide 2: Presenters
Small enoughtolisten, Big enoughto help PRESENTERS Paul M. Limbert President & Chief Executive Officer Robert H. Young Executive Vice President & Chief Financial Officer
Slide 3: Forward-looking statements
Forward-looking statements in this presentation 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 present
Slide 4: Corporate Profile
Small enoughtolisten, rier CORPORATE PROFILE* NASDAQ: WSBC * Founded in 1870 ¢ $4.5 billion in assets * Serving approximately: 172,000 deposit & 49,000 loan customers in 3 states 85 offices, 2 lending offices, & 129 ATM’s $2.6 billion in trust assets Market capitalization: $670 million 2006 average
Slide 5: Reasons to Invest in WesBanco
Small enoughtolisten, REASONS TO INVEST Big enoughto help. IN WESBANCO e WesBMo * Consistent growth in earnings per share ¢ Above average dividend yield: 3.5%” * Acquisition-focused ° Improving demographics & new markets ° Improving credit quality ¢ Strong stock performance (1) Annualized dividend r
Slide 6: Market Diversification
MARKET DIVERSIFICATION Wei 3, Pitsburphhe gun mM dsvillj D'S TA TLE S groodshed {az)-glew Lexington \o 3 dyoil ew Martinsville r ; a \ “MeConnelville A A \ dar \ . Fairmony in Te Se Logan, “Middleboume g” Ae xX ~~ Wilmington , “bpiafton Oald Vice, gta ion, fae ve a / MeAthur, % Ruig 50) uns Waverly
Slide 7: Customer Profiles
Small enoughtolisten. Ry enoughfohelp CUSTOMER PROFILES Wealth Market High Asset Suburban Boomer: = Urban Boomer Builders iT Lower-Middle Metro Owners Sunbelt Traditionals Country Builder: Conservative Retireds — Lower Metro Owners et : : :
Slide 8: WesBanco Market Demographics
ae WESBANCO MARKET Big enoughto help. w DEMOGRAPHICS* WesBanco NEWMAREETS NEW MONTGOMERY, _ MARKET CLARK& GREENE HAMILTON COUNTIES COUNTY Dayton/Spiingfield, OH Gndnnati, OH Total Population * $51,690 845,303 Median Income * $41,663 “ $40,964 Per Capita Income * $21,590 $24,053 Market Share 6/30/04”
Slide 9: WesBanco Business Model
Small enoughtolisten, Sa stole WESBANCO BUSINESS MODEL ¢ 8 regional markets with a foundation based on strong customer relationships and quality service. ¢ Each region has a regional president which reinforces WesBanco’s slogan of “Small enough to listen, Big enough to Help.” ¢ Large bank features a
Slide 10: Customer Satisfaction
Small enoughtolisten, Big enough tohelp, CUSTOMER SATISFACTION RATING Would Recommend WesBanco 97%
Slide 11: Customer Satisfaction
= CUSTOMER SATISFACTION x RATING WE'RE NEW. Bank BUTWE COME HIGHLY 2S) RECOMMENDED. Rate*
Slide 12: 2005 Results
Small enoughtolisten, Big enoughto hel, 2005 RESULTS WesBane YTD (net income in thousands) 6/30/2004 | | % CHG Net income $19,122) | 16.8% EPS - diluted $0.97, 1.0% Return on assets 1.13% | -12.4% Return on equity 12.02% | -12.3% Return on tangible equity* 14.65% 9.5% Net interest margin 3.69%) | 4.
Slide 13: Linked Quarter Results
Small enoughtolisten, Big enoughtoh VestNen In thousands $12,000 7 $0.50 $0.48 $10,000 + $8,000 + $6,000 + $4,000 + $2,000 + $0 t $0.50 #3) LINKED QUARTER RESULTS r $0.60 r $0.50 r $0.40 + $0.30 + $0.20 + $0.10 $0.00 6/30/2004 9/30/2004 12/31/2004 3/31/2005 6/30/2005 [_] Net Income -@ EPS-Diluted
Slide 14: 2000 2001 2002 2003 2004
2000 2001 2002 2003 2004
Slide 15: Dividends Per Share
Small enoughtolisten, Eye NN ~DIVIDENDS PER SHARE VestNen ¢ 20 consecutive years $1.04 of dividend increases ¢ Current dividend yield $1.00 approximating 3.5% $0.96 $0.94 $0.92 $0.90 $0.88 1999 2000 2001 2002 2003 2004 = =2005* * Amualized
Slide 16: Net Charge Off Ratio
Small Aaa Big enough toh es NET CHARGE OFF RATIO VestNen In millions $3,500 + NET CHARGE-OFFS TO AVERAGE LOANS 0.50% $3,000 4 $2,500 + $2,000 4 A s > S S + 2002 2003 2004 6/30/2005 7 0.60% r 0.40% r 0.20% 0.00% (1 Total average loans - Net charge-off percent
Slide 17: Non-Performing Assets
Small enoughtolisten, rier NON-PERFORMING ASSETS WesBanco In thousands $16,000 7 + 0.50% $14,000 + + 0.40% $12,000 + $10,000 + + 0.30% $8,000 + $6,000 + oo? $4,000 + + 0.10% $2,000 + $0 0.00% 2002 2003 2004 1Q05 2Q05 (_J Total Non-performing assets -@ NPA's as a % of total assets
Slide 18: Stock Price
Small enoughtolisten, Bigs enoughto STOCK PRICE Stock Price $35 $31.97 539.92 $30 $27.66 $23.39 S25 $21.13 : $20 $15 $10 $5 $0 12/31/2001 12/31/2002 12/31/2003 12/31/2004 6/30/2005
Slide 19: Improving Stock Liquidity
Small enoughtolisten, DeererenOre} IMPROVING STOCK LIQUIDITY isbn Average daily shares traded — Source NASDAQ Online 62,083 2002 2003 2004 YTD 2005
Slide 20: Shares Repurchased vs. Capital Levels
mueroiadry SHARES REPURCHASED vs. w CAPITAL LEVELS WesBanei In thousands + + 12.00% 1,200 7 10.46% 1 1,000 + + 10.00% 800 + + 8.00% 600 + + 6.00% 400 + + 4.00% 200 + + 2.00% a 0.00% 2000 2001 2002 2003 2004* 6/30/2005 (_J Shares repurchased —A- Tier I leverage —-® Tangible equity * 2004 repurchases
Slide 21: Reasons to Invest in WesBanco
Small enoughtolisten, REASONS TO INVEST Big enoughto help. IN WESBANCO e WesBMo * Consistent growth in earnings per share ¢ Above average dividend yield: 3.5%” * Acquisition-focused ° Improving demographics & new markets ° Improving credit quality ¢ Strong stock performance (1) Annualized dividend r
Slide 22: Q&A
Q&A