S&t Bancorp, Inc. · NASDAQ:STBA

S&t Bancorp — Q3 2014 Earnings Presentation

23 slides from S&t Bancorp's earnings presentation, Nov 3, 2014

  1. Slide 1: Third Quarter 2014

    Todd Brice President and Chief Executive Officer Mark Kochvar Chief Financial Officer Third Quarter 2014 Exhibit 99.1

  2. Slide 2: ++ ee OE

    ++ ee OE Headquartered in Indiana, PA $49 billion in assets (os of 09.30.14) Institutional ownership: 41% Insider ownership: 3% $699 million market cap. (as of 0930.14) Stock price: $23.46 (as of 0930.14) Bank holding company with 56 offices and 5 insurance locations Northeast Ohio loan production o

  3. Slide 3: Performance Summary

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

  4. Slide 4: Seasonally adjusted (Bureau of Labor Statistics)

    Source: Bureau of Labor Statistics Seasonally adjusted

  5. Slide 5: All Transactions; Not seasonally adjusted

    Source: Federal Housing Finance Agency All Transactions; Not seasonally adjusted Index 2005: Q1=100

  6. Slide 6: Long-Term Marcellus Shale Benefit

    Long-Term Marcellus Shale Benefit

  7. Slide 7: Strategic and Effective Acquisitions

    Strategic and Effective Acquisitions • 2012 - Gateway Bank of Pennsylvania $ 126 • 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 Bank

  8. Slide 8: Loan Growth

    Loan Growth in millions Q1 Q2 Q3 G4 Ql Q2 Q3 G4 Ql Q2 Q3 Q4 Qt Q2 Q3 a4 at Q2 a3 2010 2011. 2012 2013 2014 Ss 8 Net Loan Growth -$150 -$200

  9. Slide 9: Bank Holding Companies $3-10 Billion of Assets: Non Performing Loans / Total Loans

    * Bank Holding Companies $3-10 Billion of Assets Non Performing Loans / Total Loans

  10. Slide 10: Bank Holding Companies $3-10 Billion of Assets: Net Charge Offs / Average Loans

    * Bank Holding Companies $3-10 Billion of Assets Net Charge Offs / Average Loans

  11. Slide 11: Bank Holding Companies $3-10 Billion of Assets: Non Interest Expense / Average Assets

    * Bank Holding Companies $3-10 Billion of Assets Non Interest Expense / Average Assets

  12. Slide 12: Full Time Equivalent Employees

    Full Time Equivalent Employees

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

    * Bank Holding Companies $3-10 Billion of Assets Return on Average Assets

  14. Slide 14: Bank Holding Companies $3-10 Billion of Assets: Return on Average Equity

    * Bank Holding Companies $3-10 Billion of Assets Return on Average Equity

  15. Slide 15: KBW Regional Banking Index comparison

    Source: Bloomberg *KRX – KBW Regional Banking Index as of 10.30.14

  16. Slide 16: Lines of Business

    Commercial Banking Retail Banking Wealth Management Insurance Lines of Business

  17. Slide 17: Income Statement

    Income Statement Dollars in thousands, except per share data

  18. Slide 18: Balance Sheet

    Balance Sheet Dollars in thousands

  19. Slide 19: Loan Portfolio

    Loan Portfolio Dollars in thousands

  20. Slide 20: Asset Quality

    Asset Quality Dollars in thousands

  21. Slide 21: Capital Ratios

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

  22. Slide 22: Appendix – Non-GAAP Measures

    APPENDIX – Non-GAAP Measures

  23. Slide 23: whe %

    Er whe % oe a ne

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