Your Community Bankshares — Investor Presentation (May 2016)
16 slides from Your Community Bankshares's investor presentation, May 19, 2016
Slide 1: Safe Harbor Statement for Forward-Looking Statements
Safe Harbor Statement for Forward-Looking Statements This investor presentation may contain forward-looking statements within the meaning of the federal securities laws. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in
Slide 2: Agenda
Agenda Changes in Company Structure Selected Financial Data Stock Price Performance 2016 Corporate Outlook Page 3
Slide 3: Changes in Company Structure
Changes in Company Structure Completed merger with FFKY on January 1, 2015 Total Assets increased from $889 million at 12/31/14 to $1.6 billion at 03/31/15 Acquired 15 net Financial Centers (Closed two overlapping Your Community Bank FC’s in Bardstown) Hired Ken Dozer as Market President Merged Scot
Slide 4: Net Income
Selected Financial Data Net Income 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 $7,410 $7,685, $8,667 $9,013 $10,404 $14,780 (1) (1) 2016 Q1 annialized ($3,695 * 4 = $14,780) Page|5
Slide 5: Earnings Per Share ($)
Selected Financial Data Earnings Per Share ($) $3.00 $2.50 $2.00 $1.50 $1.00 $0.50 $0.00 $1.79 $2.06 $2.32 $2.46 $1.82 $2.68 (1) 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 (1) 2016Q1 annaualized ($0.67 * 4 = $2.68) Page 6
Slide 6: Cost of Deposits (%)
Selected Financial Data 0.70 0.65 0.60 0.50 0.40 0.36 0.30 0.18 0.18 0.18 0.20 0.15 0.10 - 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 Page|7 Cost of Deposits (%)
Slide 7: Net Interest Margin (%)
Selected Financial Data 4.40 4.29 4.20 4.09 4.07 3.98 4.00 3.89 3.80 3.60 3.40 3.20 3.00 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 Page|8 4.24 Net Interest Margin (%)
Slide 8: Return on Avg. Assets (%)
Selected Financial Data 1.20 1.00 0.95 0.94 0.80 0.65 0.60 0.40 0.20 - 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 Page|9 1.041.04 0.95 Return on Avg. Assets (%)
Slide 9: Return on Avg Common Equity (%)
Selected Financial Data Return on Avg Common Equity (%) 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 - 12.32 12.53 13.61 13.01 8.75 11.37 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 Page 10
Slide 10: Non-Performing Assets as % of Total Assets
Selected Finanical Data Non-Performing Assets as % of Total Assets 6.0 5.0 4.0 3.0 2.0 1.0 2.6 5.7 1.8 3.5 1.6 2.8 1.4 2.2 0.9 1.5 0.6 1.2 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 NPAs Excluding TDRs NPAs Including TDRs Page 111
Slide 11: YCN Stock Price Performance - Total Return
YCN Stock Price Performance - Total Return Source SNL Financial Market data as of 5/10/16. (1) SNL U.S. Bank & Thrift Index includes all major exchange (NYSE MKT, NASDAQ) bank and thrifts in SML’s coverage universe. page 12
Slide 12: 2016 Corporate Outlook
2016 Corporate Outlook Prepare Regulatory Filings for Merger with WesBanco, Inc. Shareholder Meeting to approve Merger in late summer/early fall Merger Finalized in 4 -6 Months Data Conversion within 3 -6 months of Merger Date Local Leadership to remain in place Page 13
Slide 13: WesBanco - YCB Footprint
WesBanco - YCB Footprint Blue Circles = YCB Locations Green Circles = WesBanco Locations Page 14
Slide 14: 2016 Corporate Outlook: WesBanco Financial Snapshot
2016 Corporate Outlook Wesbanco, Inc. Financial Snapshot $8.6 billion in Total Assets $5.1 billion in Total Loans $6.1 billion in Total Deposits 1.07% Return on Average Assets 55.4% Efficiency Ratio 0.57% NPA’s to Assets (Including TDR’s) 0.46% NPA’s to Assets (Excluding TRD’s) All Information as of
Slide 15: Thank you. Any Questions?
Thank you. Any Questions? Page 16
Slide 16: Thank you. Any Questions?
Thank you. Any Questions? Page|16
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