 Second Quarter 2013 Exhibit 99.1 |
 Todd Brice President and Chief Executive Officer Mark Kochvar Sr. EVP and Chief Financial Officer |
 Forward Looking Statement and Risk Factor • This presentation contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward- looking statements include, among others, statements regarding trends, strategies, plans, beliefs, intentions, expectations, goals and opportunities. Forward looking statements are typically identified by words or phrases such as believe, expect, anticipate, intend, estimate, assume, strategy, plan, outlook, outcome, continue, remain, trend and variations of such words and similar expressions, or future or conditional verbs such as will, would, should, could, may or similar expressions. Actual results and performance could differ materially from those anticipated by these forward-looking statements. Factors that could cause such a difference include, but are not limited to, general economic conditions, changes in interest rates, deposit flows, loan demand, asset quality, including real estate and other collateral values, and competition. • S&T cautions that these forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change over time. These forward-looking statements speak only as of the date hereof, and S&T assumes no duty to update forward-looking statements. Subsequent written or oral statements attributable to S&T or persons acting on its behalf are expressly qualified in their entirety by the cautionary statements contained herein and those in S&T’s reports previously and subsequently filed with the Securities and Exchange Commission. 3 |
 4 Non-GAAP Financial Measures • In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), S&T management uses and this presentation contains or references, certain non-GAAP financial measures, such as net interest income on a fully taxable equivalent basis, that S&T believes provide information useful to investors in understanding our underlying operational performance and our business and performance trends as they facilitate comparisons with the performance of others in the financial services industry. Although S&T believes that these non-GAAP financial measures enhance investors’ understanding of S&T’s business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the respective Quarterly Reports on Forms 10-Q for S&T Bancorp, Inc. and subsidiaries. |
 5 Corporate Profile |
 6 * Peer banks per 2013 proxy statement ** QTD annualized Common Return on Assets 2.0% 1.5% 1.0% 0.5% 0.0% -0.5% 2008 2009 2010 2011 2012 1Q 2013** 2.0% 1.5% 1.0% 0.5% 0.0% -0.5% BHC $3-10B PA Banks Peer Bank Median* STBA |
 7 Common Return on Equity * Peer banks per 2013 proxy statement ** QTD annualized 20% 15% 10% 5% 0% -5% 2008 2009 2010 2011 2012 1Q 2013** 20% 15% 10% 5% 0% -5% BHC $3-10 B PA Banks Peer Bank Median* STBA |
 8 4 Lines of Business Commercial Banking Retail Banking Wealth Management Insurance |
 Commercial Banking • 37 commercial lenders • 14 business bankers • Privately held companies with sales up to $150 million • Adding producers; 8 new lenders this year • Northeast Ohio loan production office, August 2012 9 |
 Retail Banking • Over 100,000 households • 56 branches • Average branch size of $61.5 million • HOME Center • 92% of customers highly satisfied • Over 70,000 customers enrolled in online banking • Over 14,000 customers enrolled in mobile banking 10 |
 Wealth Management • $1.7 billion AUM • 3 divisions – S&T Trust – S&T Financial Services – RIA/Stewart Capital • Annual revenue of $9.8 million • Adding financial advisors 11 |
 Insurance • Full service agency – Commercial P&C (65%) – Group life and health (20%) – Personal lines (15%) • Annual revenue of $5.2 million • Focus on increasing penetration of S&T customer base 12 |
 13 Quarterly Summary 2013 2013 2012 Second Quarter First Quarter Second Quarter Net Income $14.1 $12.3 $8.6 Diluted Earnings per Share $0.47 $0.41 $0.30 Return on Average Assets * 1.26% 1.12% 0.80% Return on Average Shareholders Equity 10.36% 9.25% 6.80% Dollars in millions, except per share data * Annualized * |
 14 Income Statement Dollars in millions, except per share data * Refer to appendix for reconciliation of Non-GAAP financial measures 2013 2013 2012 Second Quarter First Quarter Second Quarter Net Interest Income – FTE * $35.8 $34.8 $34.9 Noninterest Income 12.9 11.7 12.5 Total Revenue 48.7 46.5 47.4 Noninterest Expense (28.4) (31.6) (29.3) Gain on sale of merchant card servicing business - 3.1 - Provision for Loan Losses (1.0) (2.3) (7.0) Net Income Before Taxes 19.3 15.7 11.1 Taxes (5.2) (3.4) (2.5) Net Income $14.1 $12.3 $8.6 Diluted Earnings per Share $ 0.47 $ 0.41 $0.30 |
 15 Balance Sheet Dollars in millions June 30, 2013 March 31, 2013 June 30, 2012 Securities $ 480 $ 469 $ 369 Interest Bearing Balances 191 215 343 Loans, Net 3,400 3,339 3,151 Other 458 457 484 Total assets $4,529 $4,480 $4,347 Deposits $3,649 $3,639 $3,518 Borrowings 268 228 247 Other Liabilities 65 68 71 Equity 547 545 511 Total Liabilities & Equity $4,529 $4,480 $4,347 |
 16 Loan Portfolio Dollars in millions June 30, 2013 March 31, 2013 June 30, 2012 Consumer Residential Mortgage $ 463 $ 443 $ 399 Home Equity 414 416 434 Installment and Other Consumer 68 69 79 Construction 3 3 2 Total Consumer 948 931 914 Commercial Commercial Real Estate 1,501 1,480 1,402 Commercial & Industrial 827 806 717 Construction 167 165 163 Total Commercial 2,495 2,451 2,282 Total Portfolio Loans 3,443 3,382 3,196 Total Loans Held for Sale 3 3 2 Total Loans $3,446 $3,385 $ 3,198 |
 Asset Quality June 30, 2013 March 31, 2013 June 30, 2012 Nonaccrual Loans / Total Loans 1.10% 1.37% 2.16% Nonperforming Assets / Total Loans Plus OREO 1.11 1.39 2.25 Net Charge-offs / Average Loans* 0.10 0.34 1.02 Loan Loss Reserve / Total Loans 1.34 1.36 1.46 Loan Loss Reserve / Nonaccrual Loans 122 99 68 17 * QTD annualized |
 18 Nonperforming Loans Nonperforming Loans (NPL) are loans where collection of interest or principal is doubtful or generally when interest or principal payments are 90 days or more past due. Dollars in millions 56.3 1.23 30.7 Total Commercial 13.6 2.86 4.8 Construction 6.8 0.63 5.2 Commercial & Industrial 35.9 1.38 20.7 Commercial Real Estate Commercial 12.8 0.76 7.2 Total Consumer 0.4 - Construction - - - Installment and Other Consumer 3.4 0.89 3.7 Home Equity $ 9.0 0.75% $ 3.5 Residential Mortgage June 30, 2012 Consumer % NPL June 30, 2013 Total Nonaccrual Loans $69.1 1.10% $37.9 $ 2.0 $ 0.1 Specific Reserves - |
 19 Net Interest Margin 2013 2013 2012 Second Quarter First Quarter Second Quarter Securities – FTE* 2.58% 2.65% 3.15% Interest Bearing Deposits 0.28 0.23 0.22 Loans – FTE* 4.28 4.32 4.67 Total Earning Assets-FTE 3.89 3.91 4.14 Deposits 0.44 0.49 0.68 Borrowings 1.65 1.61 1.75 Total Costing Liabilities 0.54 0.58 0.77 Net Interest Margin 3.51% 3.49% 3.57% * Refer to appendix for reconciliation of Non-GAAP financial measures * |
 20 Noninterest Income Dollars in millions 2013 2013 2012 Second Quarter First Quarter Second Quarter Debit and Credit Card $ 3.2 $ 2.5 $ 2.8 Wealth Management 2.8 2.6 2.6 Service Charges on Deposit Accounts 2.5 2.4 2.4 Insurance 1.6 1.8 1.5 Mortgage Banking 0.9 0.5 0.7 Gain on Sale of Merchant Card Servicing Business - 3.1 - Other 1.9 1.9 2.5 Total $12.9 $14.8 $12.5 |
 21 Securities June 30, 2013 March 31, 2013 June 30, 2012 Agencies $233 $231 $173 Agency CMO 47 52 49 Agency Residential MBS 54 47 43 Agency Commercial MBS 31 22 - Municipals 106 108 93 Equities 9 9 11 Total $480 $469 $369 All securities are classified as available-for sale Dollars in millions |
 22 Deposits Dollars in millions June 30, 2013 March 31, 2013 June 30, 2012 Noninterest-bearing Demand $ 948 $ 951 $ 887 Interest-bearing Demand 297 305 315 Money Market 329 327 305 Savings 1,004 993 912 Certificates of Deposit < $100K 636 655 730 Certificates Of Deposit > $100K 435 408 369 Total $3,649 $3,639 $3,518 |
 23 Capital Ratios June 30, 2013 March 31, 2013 June 30, 2012 Well- Capitalized Leverage 9.54% 9.42% 8.94% 5.00% Tier 1 – Risk-Based Capital 12.28 12.20 11.82 6.00 Total – Risk-Based Capital 14.30 15.60 15.33 10.00 Tangible Common Equity / Tangible Assets * 8.43 8.46 7.99 NA * Refer to appendix for reconciliation of Non-GAAP financial measures |
 Growth – Merger & Acquisition Activity • 2012 - Gateway Bank of Pennsylvania $ 105 • 2012 - Mainline Bancorp 206 • 2008 - IBT Bancorp 793 • 2002 - Peoples Financial Corp 295 • 1998 - Branch Purchase from Mellon 39 • 1997 - Peoples Bank of Unity 288 • 1991 - Atlantic Financial Savings Bank 100 • 1991 - Vanguard Savings Bank 112 24 Assets/Deposits Acquired $1,938 Dollars in Millions |
 25 The Right Size • Big Enough to: – Provide full complement of products and services – Access technology – Access Capital Markets – Attract talent – Expand – mergers and acquisitions/de novo • Small Enough to: – Stay close to our customers – Understand our markets – Be responsive |
 26 Marcellus Shale Distribution |
 STBA Investment Thesis • Stable Western PA economy • Long-term Marcellus Shale benefit • Renewed emphasis on loan growth • Improved asset quality • Expense discipline • Opportunistic acquirer • Historically high performing 27 |
 2013 2013 2012 Second Quarter First Quarter Second Quarter Interest Income per Consolidated Statements of Income $38.6 $37.8 $39.4 Adjustment to Fully Taxable-equivalent Basis 1.2 1.2 1.1 Interest Income Adjusted to Fully Taxable-equivalent Basis 39.8 39.0 40.5 Interest Expense per Consolidated Statements of Income 4.0 4.2 5.6 Net Interest Income Adjusted to Fully Taxable-equivalent Basis (non-GAAP) $35.8 $34.8 $34.9 APPENDIX – Non-GAAP Measures Dollars in millions 28 |
 2013 2013 2012 Second Quarter First Quarter Second Quarter Securities 2.19% 2.27% 2.67% Adjustment to Fully Taxable-equivalent Basis 0.39 0.38 0.48 Securities Adjusted to Fully Taxable-equivalent Basis 2.58 2.65 3.15 Loans 4.20 4.23 4.58 Adjustment to Fully Taxable-equivalent Basis 0.08 0.09 0.08 Loans Adjusted to Fully Taxable-equivalent Basis 4.28 4.32 4.67 Total Earning Assets 3.78 3.79 4.02 Adjustment to Fully Taxable-Equivalent Basis 0.11 0.12 0.12 Total Earning Assets Adjusted to Fully Taxable-equivalent Basis 3.89 3.91 4.14 Net Interest Margin 3.40 3.37 3.45 Adjustment to Fully Taxable-Equivalent Basis 0.12 0.12 0.12 Net Interest Margin Adjusted to Fully Taxable-equivalent Basis 3.51 3.49 3.57 APPENDIX – Non-GAAP Measures /cont./ 29 |
 June 30, 2013 March 31, 2013 June 30, 2012 Tangible Common Equity/Tangible Assets Shareholders’ Equity/Assets (GAAP Basis) 12.08% 12.16% 11.74% Effect of Excluding Intangible Assets (3.65%) (3.70%) (3.75%) Tangible Common Equity/Tangible Assets 8.43% 8.46% 7.99% APPENDIX – Non-GAAP Measures /cont./ 30 |
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