S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Shareholder Meeting (May 2013)
14 slides from S&t Bancorp's shareholder meeting presentation, May 20, 2013
Slide 1: 2013 Annual Meeting
2013 Annual Meeting James Miller Chairman Exhibit 99.1
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Slide 4: Challenges and Opportunities – NIM
Challenges and Opportunities – NIM * Refer to appendix for reconciliation of Non-GAAP financial measures. Net Interest Margin- FTE * 4.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 2.00% 2.50% 3.00% 3.50% 4.00% 1Q 2013
Slide 5: Challenges and Opportunities – Loan Growth
Challenges and Opportunities – Loan Growth $ in millions Total Loans $3,800 $2,200 $2,200 $2,400 $2,600 $2,800 $3,000 $3,200 $3,400 $3,600 $3,800 $2,200 $2,200 $2,400 $2,600 $2,800 $3,000 $3,200 $3,400 $3,600 1Q 2013
Slide 6: Mainline and Gateway Mergers
Mainline and Gateway Mergers
Slide 7: Growth – Merger & Acquisition Activity
Growth – Merger & Acquisition Activity • 2012 - Gateway Bank of Pennsylvania $ 105 • 2012 - Mainline Bancorp • 2008 - IBT Bancorp • 2002 - Peoples Financial Corp • 1998 - Branch Purchase from Mellon • 1997 - Peoples Bank of Unity • 1991 - Atlantic Financial Savings Bank • 1991 - Vanguard Savings Ban
Slide 8: Challenges and Opportunities – Asset Quality
Challenges and Opportunities – Asset Quality $ in millions $100 $90 $80 $70 $60 $50 $40 $30 $20 $10 $0 1Q $100 $90 $80 $70 $60 $50 $40 $30 $20 $10 $0 Non-Performing Loans
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Slide 10: Challenges and Opportunities – Capital
Challenges and Opportunities – Capital Current Well-Capitalized Requirement Proposed Well-Capitalized Requirement Tier 1 Capital Ratio 14% 12% 10% 8% 6% 4% 2% 0% 1Q 2013 0% 2% 4% 6% 8% 10% 12% 14%
Slide 11: Quarterly Summary
Quarterly Summary First Quarter Fourth Quarter First Quarter Net Income Available to Common Shareholders $12.3 $9.5 $3.5 Diluted Earnings per Common Share $0.41 $0.32 $0.12 Common Return on Average Assets 1.12% 0.86% 0.34% Common Return on Average Equity 9.25% 7.05% 2.82% Dollars in millions, except
Slide 12: Appendix – Non-GAAP Measures: Net Interest Margin
Net Interest Margin Adjustment to Fully Taxable Equivalent Basis Net Interest Margin Adjusted to Fully Taxable-Equivalent Basis First Quarter 2013 3.37% 0.12% 3.49% Full Year 2012 3.46 0.11 3.57 Full Year 2011 3.72 0.11 3.83 Full Year 2010 3.93 0.12 4.05 Full Year 2009 3.76 0.13 3.89 Full Year 2008
Slide 13: Appendix – Non-GAAP Measures
First Quarter Fourth Quarter First Quarter Interest Income per Consolidated Statements of Income $37.8 $38.9 $39.1 Adjustment to Fully Taxable-equivalent Basis 1.2 1.1 1.2 Interest Income Adjusted to Fully Taxable-equivalent Basis 39.0 40.0 40.3 Interest Expense per Consolidated Statements of Income
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