WesBanco Q3 2021 Earnings Report

Pre-tax, pre-provision income (“PTPP”) excluding restructuring and merger-related expenses (non-GAAP measure) was $57.8 million, which included $2.6 million of settlement costs with respect to the pending resolution of a lawsuit

Expense management demonstrated by a year-to-date efficiency ratio of 57.04% (non-GAAP measure)

Deposit growth, excluding certificates of deposit (“CDs”), was 15.0% year-over-year, driven by growth in demand deposits

Macro-economic forecasts favorably impacted the provision for credit losses under the Current Expected Credit Losses (“CECL”) methodology, which drove both the net benefit in the provision for credit losses and the reduction in allowance for credit losses during the quarter