WesBanco(WSBC) - 2023 Q2 - Earnings Call Presentation

Financial Performance - Pre-tax, pre-provision income reached $57 million, a 9.1% year-over-year increase[4] - Net income available to common shareholders was $42.4 million, with diluted earnings per share at $0.71[4] - Return on average tangible equity was 13%, up 63 basis points year-over-year[5] Loan and Deposit Growth - Total loan growth showed a 9% year-over-year increase and an 8% year-to-date annualized growth[4] - Total deposits remained stable at $12.9 billion, consistent with the previous quarter[12] - Commercial and industrial (C&I) loans increased at an annualized rate of 10.2% quarter-over-quarter[8] Asset Quality and Capital - Non-performing assets to total assets ratio was 0.19%[4] - Tangible equity to tangible assets ratio stood at 8.24%[4] - Uninsured deposits accounted for 23.5% of total deposits after exclusions[11] Net Interest Margin - Net interest margin was 3.18%, a 15 basis points increase year-over-year[5] - Total deposit funding costs, including non-interest bearing deposits, were 103 basis points[18]