2013 Annual Meeting

James Miller

Chairman   

Exhibit 99.1

Todd Brice

President & CEO    

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.

Todd Brice

President & CEO     

6

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%

2007

1Q 2013

2012

2011

2010

2009

2008

7

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

2007

2008

2009

2010

2011

1Q 2013

2012

8

Mainline and Gateway Mergers

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

9

Assets/Deposits Acquired

(in millions)

$1,938

10

Challenges and Opportunities –

Asset Quality

$ in millions  

$100

$90

$80

$70

$60

$50

$40

$30

$20

$10

$0

2007

2008

2009

2010

2011

2012

1Q

2013

$100

$90

$80

$70

$60

$50

$40

$30

$20

$10

$0

Non-Performing Loans

Mark Kochvar

Sr. EVP & CFO

12

Challenges and Opportunities –

Capital

Current Well-Capitalized Requirement

Proposed Well-Capitalized Requirement

Tier 1 Capital Ratio

14%

12%

10%

8%

6%

4%

2%

0%

2007

2008

2009

2010

2011

2012

1Q 2013

0%

2%

4%

6%

8%

10%

12%

14%

13

Quarterly Summary

2013

2012

2012

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 per share data                     

*

Annualized                                         

*

*

14

First Quarter 2013 Highlights

•

Improved Loan Demand and Net Growth

•

Improved Asset Quality

•

Sale of Merchant Card Servicing Business

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

3.93

0.14

4.07

Full Year 2007

3.72

0.15

3.87

APPENDIX –

Non-GAAP Measures

15

2013

First

Quarter

2012

Fourth

Quarter

2012

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

4.2

4.6

5.8

Net Interest Income Adjusted to Fully Taxable-

equivalent Basis (non-GAAP)

$34.8

$35.4

$34.5

APPENDIX –

Non-GAAP Measures

Dollars in millions              

16

2013 Annual Meeting