WesBanco Q4 2022 Earnings Report

Total loan growth was 11.7% year-over-year, and 4.2%, or 16.8% annualized, when compared to September 30, 2022, excluding Small Business Administration Payroll Protection Program (“SBA PPP”), reflecting the strength of our markets and lending teams

Key credit quality metrics such as non-performing assets, total past due loans, and net loan charge-offs, as percentages of total portfolio loans, have remained at low levels and favorable to peer bank averages, those with total assets between $10 billion and $25 billion (based upon the prior four quarters)

Fourth quarter net interest margin increased 16 basis points sequentially to 3.49%

Deposits, excluding certificates of deposit (“CDs”), were essentially flat compared to the prior year quarter, as growth in non-interest bearing demand deposits and savings accounts offset a decline in interest-bearing demand deposit balances