WesBanco Announces Increased Earnings

                    WesBanco Announces Increased Earnings

PR Newswire

WHEELING, W.Va., Oct. 23, 2012

WHEELING, W.Va., Oct.23, 2012 /PRNewswire/ --Paul M. Limbert, President and
Chief Executive Officer of WesBanco, Inc. (NASDAQ Global Market: WSBC), a
Wheeling, West Virginia based multi-state bank holding company, today
announced increased earnings for the three and nine months ended September 30,
2012.

Net income for the quarter ended September 30, 2012 was $12.9 million compared
to $11.0 million for the same period of 2011, representing an increase of
17.2%, while diluted earnings per share were $0.48, as compared to $0.41 per
share for the third quarter of 2011. For the nine month period ended
September 30, 2012, net income was $36.9 million as compared to $33.2 million
for the same period in 2011, representing an increase of 11.2%, while diluted
earnings per share were $1.38, as compared to $1.25 per share for the nine
months ended September 30, 2011.

Mr. Limbert commented, "The third quarter of 2012 included many
accomplishments resulting in solid growth in WesBanco earnings. The second
consecutive quarter of loan growth and reductions in the cost of funds
provided an increase in net interest income compared to last quarter. Credit
quality improvements have resulted in a lower loan loss provision in this
quarter which contributed to improved earnings. Credit quality continues to
improve with non-performing loans decreasing in each of the last three
quarters while criticized and classified loans have decreased for four
consecutive quarters.

"We are pleased with our progress in the acquisition process of Fidelity
Bancorp, Inc. ("Fidelity"). The transaction is moving through the regulatory
approval process and we anticipate a shareholder meeting for Fidelity's
shareholders on November 27, 2012 to consider the transaction."

Net Interest Income

Net interest income continues to be affected by the low interest rate
environment and competition; however WesBanco has been able to maintain a
relatively stable net interest margin for the first nine months of 2012 in the
range of 3.5% to 3.6%. Net interest income increased 0.4% to $41.7 million in
the third quarter of 2012 compared to the second quarter of 2012 due to
portfolio loan growth in both the second and third quarters of the current
year. Average loans increased $79.6 million or 2.4% in the third quarter
compared to the second quarter of 2012. Net interest income decreased $1.2
million or 2.8% in the third quarter of 2012 and $2.4 million in the first
nine months of 2012 compared to the same periods in 2011 due to the low
interest rate environment. However, average earning assets increased $102.5
million or 2.1% in the third quarter and 2.5% in the year-to-date period,
including the growth in portfolio loans, while the cost of funds continued to
decline as a result of lower rates paid on deposit accounts, growth in
non-interest bearing and lower-cost demand deposits, and a reduction in
higher-cost FHLB borrowings.

Provision and Allowance for Credit Losses

WesBanco has continued to improve credit quality during the third quarter of
2012. The provision for credit losses was $4.5 million and $16.6 million for
the third quarter and first nine months of 2012, respectively, compared to
$10.8 million and $25.7 million for the same periods of 2011. The third
quarter provision decreased $1.4 million compared to the previous quarter.
The decrease in the provision is supported by reductions in net charge-offs,
as well as non-performing, classified and criticized loans. Total
non-performing loans represented 1.76% of total loans at September 30, 2012
compared to 2.08% at June 30, 2012 and 2.60% at September 30, 2011. The
allowance for loan losses to non-performing loans, loans past due and
classified and criticized loans at September 30, 2012 is at the highest level
in over two years.

Total non-performing loans at September 30, 2012 decreased $9.0 million or
13.2% from June 30, 2012 and $25.1 million or 29.8% from September 30, 2011.
Classified and criticized loans decreased $25.9 million or 11.6% from June 30,
2012 and $73.3 million or 27.1% from September 30, 2011. Loan sales in the
third quarter decreased non-performing loans by $4.2 million and classified
and criticized loans by $5.1 million. From September 30, 2011, loan sales
decreased non-performing loans by $9.3 million and classified and criticized
loans by $10.2 million. Loans past due 30 days or more and accruing interest
represented 0.62% of total portfolio loans at September 30, 2012 compared to
0.93% at September 30, 2011. Net charge-offs for the third quarter of 2012
were $4.6 million compared to $6.8 million for the previous quarter and $17.4
million for the third quarter of 2011. Net charge-offs for the first nine
months of 2012 were $18.0 million compared to $32.6 million for the same
period of 2011. Annualized net charge-offs for the third quarter and first
nine months of 2012 represent 0.54% and 0.73% of average portfolio loans,
respectively, compared to 2.11% and 1.33% for the same periods of 2011.

Non-Interest Income and Non-Interest Expense

Non-interest income increased $1.4 million or 9.3% in the third quarter of
2012 and $3.1 million or 6.9% in the nine month period ended September 30,
2012 compared to the same periods in 2011. For the third quarter of 2012,
trust fees increased 11.1% as an organization-wide coordination of trust and
investment development activities increased assets under management. Net
gains on sales of mortgage loans increased $0.7 million in the third quarter
and $0.6 million year-to-date due to increased volume and margins on loans
sold. Electronic banking fees increased 6.2% in the third quarter and 13.9%
in the first nine months of 2012 due to increased transaction volumes. The
net gain (loss) on other real estate owned improved $0.7 million in the
year-to-date period. Net security gains were $0.3 million in the third
quarter and $1.7 million year-to-date. These improvements were partially
offset by decreases in service charges on deposits of $0.5 million in the
third quarter and $1.4 million in the first nine months of 2012, primarily
from decreases in customer overdraft fees.

Non-interest expense increased by 3.6% in the first nine months of 2012
compared to the same period in 2011 due to $1.5 million recorded in the third
quarter for restructuring and merger-related expenses. Expenses related to
the Fidelity merger were $0.7 million and restructuring costs associated with
the pending closure of six branch offices in the fourth quarter were $0.8
million. In addition, salaries and wages increased $1.0 million due to
routine annual adjustments to compensation, and employee benefits expense
increased $2.7 million from increased pension and employee health insurance
costs. Partially offsetting these increases were reduced FDIC insurance of
$0.8 million, and reductions in many other expense categories.

Financial Condition

Total assets at September 30, 2012 increased 1.4% or $74.8 million over the
comparable period in 2011 and increased $40.9 million from the prior
year-end. Increases over the last year were primarily from increases in
portfolio loans of $112.6 million or 3.5%, most of which occurred in the
second and third quarters of 2012. The loan increases and declines in FHLB
borrowings were funded by deposit growth and decreases in cash and investments
in securities. Portfolio loans increased as a result of growth in commercial,
commercial real estate and residential mortgage lending. Loan production
increased 29.6% in the first nine months of 2012 compared to the same period
of 2011.

WesBanco continued to strengthen its regulatory capital ratios with tier I
leverage at 9.11%, tier I risk-based capital at 13.20%, and total risk-based
capital at 14.45%, all of which consistently improved over the last three
years. Both consolidated and bank-level regulatory capital ratios are well
above the applicable "well-capitalized" standards promulgated by bank
regulators. Total tangible equity to tangible assets (non-GAAP measure) was
7.13% at September 30, 2012, a 41 basis point increase from a year ago.
WesBanco recently increased its quarterly dividend $0.01 per share to $0.18
per share which was paid on October 1, 2012. This is the fourth increase in
the last 18 months representing a total increase in the dividend of 29% during
this period.

On July 19, 2012, WesBanco and Fidelity, a Pittsburgh-based bank with $0.7
billion in assets and 13 branches, jointly announced that a definitive
Agreement and Plan of Merger was executed providing for the merger of Fidelity
with and into WesBanco. Under the terms of the Agreement and Plan of Merger,
WesBanco will exchange 0.8275 shares of its common stock and $4.50 in cash for
each share of Fidelity common stock. The receipt by Fidelity shareholders of
shares of WesBanco common stock in exchange for their shares of Fidelity
common stock is anticipated to qualify as a tax-free exchange. WesBanco
expects the combination to be accretive to 2013 earnings per share, excluding
merger-related expenses. The transaction, approved by the directors of both
companies, currently is valued at approximately $68.7 million. The acquisition
is subject to the approvals of the appropriate banking regulatory authorities
and the shareholders of Fidelity. It is currently anticipated that the
transaction will be completed on or about December 31, 2012.

WesBanco is a multi-state bank holding company with total assets of
approximately $5.6 billion, operating through 112 branch locations and 104
ATMs in West Virginia, Ohio, and Pennsylvania. WesBanco's banking subsidiary
is WesBanco Bank, Inc., headquartered in Wheeling, West Virginia. WesBanco
also operates an insurance brokerage company, WesBanco Insurance Services,
Inc., and a full service broker/dealer, WesBanco Securities, Inc.

Forward-looking Statements:

Forward-looking statements in this report relating to WesBanco's plans,
strategies, objectives, expectations, intentions and adequacy of resources,
are made pursuant to the safe harbor provisions of the Private Securities
Litigation Reform Act of 1995. The information contained in this report
should be read in conjunction with WesBanco's Form 10-K for the year ended
December 31, 2011 and documents subsequently filed by WesBanco with the
Securities and Exchange Commission ("SEC"), including WesBanco's Form 10-Q for
the quarters ended March 31, 2012 and June 30, 2012, respectively, which are
available at the SEC's website, www.sec.gov or at WesBanco's website,
www.wesbanco.com. Investors are cautioned that forward-looking statements,
which are not historical fact, involve risks and uncertainties, including
those detailed in WesBanco's most recent Annual Report on Form 10-K filed with
the SEC under "Risk Factors" in Part I, Item 1A. Such statements are subject
to important factors that could cause actual results to differ materially from
those contemplated by such statements, including, without limitation, that the
businesses of WesBanco and Fidelity may not be integrated successfully or such
integration may take longer to accomplish than expected; the expected cost
savings and any revenue synergies from the merger of WesBanco and Fidelity may
not be fully realized within the expected timeframes; disruption from the
merger of WesBanco and Fidelity may make it more difficult to maintain
relationships with clients, associates, or suppliers; the effects of changing
regional and national economic conditions; changes in interest rates, spreads
on earning assets and interest-bearing liabilities, and associated interest
rate sensitivity; sources of liquidity available to WesBanco and its related
subsidiary operations; potential future credit losses and the credit risk of
commercial, real estate, and consumer loan customers and their borrowing
activities; actions of the Federal Reserve Board, the Federal Deposit
Insurance Corporation, the SEC, the Financial Institution Regulatory
Authority, the Municipal Securities Rulemaking Board, the Securities Investors
Protection Corporation, and other regulatory bodies; potential legislative and
federal and state regulatory actions and reform, including, without
limitation, the impact of the implementation of the Dodd-Frank Act; adverse
decisions of federal and state courts; fraud, scams and schemes of third
parties; internet hacking; competitive conditions in the financial services
industry; rapidly changing technology affecting financial services;
marketability of debt instruments and corresponding impact on fair value
adjustments; and/or other external developments materially impacting
WesBanco's operational and financial performance. WesBanco does not assume
any duty to update forward-looking statements.

Additional Information About the Merger and Where to Find It

In connection with the proposed Merger, WesBanco filed with the SEC a
Registration Statement on Form S-4 that became effective October 18, 2012 that
includes a Proxy Statement of Fidelity and a Prospectus of WesBanco, as well
as other relevant documents concerning the proposed transaction. INVESTORS AND
OTHER INTERESTED PARTIES ARE URGED TO READ THE REGISTRATION STATEMENT AND THE
PROXY STATEMENT/PROSPECTUS REGARDING THE MERGER AND ANY OTHER RELEVANT
DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO
THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. The Proxy
Statement/Prospectus will be mailed to shareholders of Fidelity prior to the
Fidelity shareholder meeting, which will be held on November 27, 2012. In
addition, the Registration Statement on Form S-4, which includes the Proxy
Statements/Prospectus, and other related documents may be obtained for free at
the SEC's website at http://www.sec.gov, on the NASDAQ website at
http://www.nasdaq.comand from either WesBanco's or Fidelity's website at
http://www.wesbanco.comor http://www.fidelitybancorp-pa.com, respectively.

WesBanco and Fidelity and their respective executive officers and directors
may be deemed to be participants in the solicitation of proxies from the
shareholders of Fidelity in connection with the proposed Merger. Information
about the directors and executive officers of Fidelity will be included in the
Proxy Statement/Prospectus and may be found in the proxy statement for
Fidelity's annual meeting of shareholders filed with the SEC on January11,
2012. Information about any other persons who may, under the rules of the SEC,
be considered participants in the solicitation of Fidelity shareholders in
connection with the proposed Merger will be included in the Proxy
Statement/Prospectus. You can find information about WesBanco's directors and
executive officers in the proxy statement for WesBanco's annual meeting of
shareholders filed with the SEC on March14, 2012.You can obtain free copies
of these documents from the SEC, WesBanco or Fidelity using the website
information above.

INVESTORS ARE URGED TO READ THE PROXY STATEMENT/PROSPECTUS CAREFULLY BEFORE
MAKING ANY VOTING OR INVESTMENT DECISIONS WITH RESPECT TO THE PROPOSED MERGER.

This communication shall not constitute an offer to sell or the solicitation
of an offer to sell or the solicitation of an offer to buy any securities.

WESBANCO, INC.
Consolidated Selected Financial Highlights                                    Page 4
(unaudited, dollars in thousands, except shares and
per share amounts)
                    For the Three Months Ended        For the Nine Months Ended
STATEMENTOFINCOME September 30,                     September 30,
Interest and        2012        2011        % Change  2012        2011        % Change
dividend income
  Loans, including  $       $       (6.26%)   $        $       (6.54%)
  fees                41,423   44,191              124,345     133,051
  Interest and
  dividends on
  securities:
     Taxable       7,722       9,032       (14.50%)  24,784      27,171      (8.79%)
     Tax-exempt     3,113       3,019       3.11%     9,270       9,051       2.42%
       Total
       interest and 10,835      12,051      (10.09%)  34,054      36,222      (5.99%)
       dividends on
       securities
  Other interest    30          45          (33.33%)  115         154         (25.32%)
  income
 Total
interest and        52,288      56,287      (7.10%)   158,514     169,427     (6.44%)
dividend income
Interest expense
  Interest bearing  397         462         (14.07%)  1,132       1,673       (32.34%)
  demand deposits
  Money market      487         1,121       (56.56%)  1,786       3,693       (51.64%)
  deposits
  Savings deposits  202         332         (39.16%)  697         1,169       (40.38%)
  Certificates of   6,450       7,728       (16.54%)  20,050      23,707      (15.43%)
  deposit
       Total
       interest     7,536       9,643       (21.85%)  23,665      30,242      (21.75%)
       expense on
       deposits
  Federal Home Loan 1,020       1,714       (40.49%)  3,684       5,743       (35.85%)
  Bank borrowings
  Other short-term  1,169       1,220       (4.18%)   3,503       3,590       (2.42%)
  borrowings
  Junior
  subordinated debt
  owed to           869         809         7.42%     2,598       2,421       7.31%
  unconsolidated
  subsidiary trusts
       Total
       interest     10,594      13,386      (20.86%)  33,450      41,996      (20.35%)
       expense
Net interest        41,694      42,901      (2.81%)   125,064     127,431     (1.86%)
income
  Provision for     4,497       10,836      (58.50%)  16,602      25,680      (35.35%)
  credit losses
Net interest income
after provision for 37,197      32,065      16.00%    108,462     101,751     6.60%
credit losses
Non-interest income
  Trust fees        4,379       3,941       11.11%    13,390      12,975      3.20%
  Service charges   4,362       4,881       (10.63%)  12,574      13,992      (10.13%)
  on deposits
  Electronic        2,846       2,679       6.23%     8,529       7,486       13.93%
  banking fees
  Net securities    1,131       1,182       (4.31%)   3,319       3,365       (1.37%)
  brokerage revenue
  Bank-owned life   891         908         (1.87%)   2,646       2,703       (2.11%)
  insurance
  Net gains on
  sales of mortgage 993         327         203.67%   1,860       1,298       43.30%
  loans
  Net securities    316         67          371.64%   1,711       97          1663.92%
  gains
  Net loss on other
  real estate owned (48)        (162)       70.37%    (298)       (978)       69.53%
  and other assets
  Other income      1,092       776         40.72%    3,447       3,182       8.33%
       Total
       non-interest 15,962      14,599      9.34%     47,178      44,120      6.93%
       income
Non-interest
expense
  Salaries and      14,758      14,427      2.29%     43,028      42,040      2.35%
  wages
  Employee benefits 5,000       3,462       44.43%    15,538      12,866      20.77%
  Net occupancy     2,654       3,068       (13.49%)  8,133       8,450       (3.75%)
  Equipment        2,300       2,107       9.16%     6,617       6,552       0.99%
  Marketing         795         1,214       (34.51%)  3,282       3,861       (15.00%)
  FDIC insurance   951         1,091       (12.83%)  2,962       3,760       (21.22%)
  Amortization of   519         599         (13.36%)  1,580       1,822       (13.28%)
  intangible assets
  Restructuring and
  merger-related    1,518       -           100.00%   1,518       -           100.00%
  expense
  Other operating   8,295       7,639       8.59%     25,880      25,450      1.69%
  expenses
       Total
       non-interest 36,790      33,607      9.47%     108,538     104,801     3.57%
       expense
Income before
provision for       16,369      13,057      25.37%    47,102      41,070      14.69%
income taxes
  Provision for     3,463       2,044       69.42%    10,208      7,898       29.25%
  income taxes
Net Income          $       $       17.19%    $       $       11.22%
                      12,906   11,013              36,894       33,172
Taxable equivalent  $       $       (2.60%)   $         $         (1.70%)
net interest income  43,370   44,526                130,056    132,304
Per common share
data
Net income per      $       $                 $       $    
common share -                 0.41  17.07%      1.38      1.25  10.40%
basic               0.48
Net income per      $       $                 $       $    
common share -                 0.41  17.07%      1.38      1.25  10.40%
diluted             0.48
                    $       $                 $       $    
Dividends declared             0.16  12.50%      0.52      0.46  13.04%
                    0.18
Book value (period                                    $       $       3.82%
end)                                                   24.73      23.82
Tangible book value                                   $       $       7.59%
(period end) (1)                                       14.17      13.17
Average common
shares outstanding  26,664,882  26,629,360  0.13%     26,646,719  26,609,755  0.14%
- basic
Average common
shares outstanding  26,672,849  26,629,543  0.16%     26,651,322  26,610,347  0.15%
- diluted
Period end common   26,665,519  26,629,360  0.14%     26,665,519  26,629,360  0.14%
shares outstanding
(1) See non-GAAP financial measures for additional information
relating to the calculation of this item.

WESBANCO, INC.
Consolidated Selected Financial Highlights                             Page 5
(unaudited, dollars in thousands)
Selected ratios
                    For the Nine Months Ended
                    September 30,
                    2012        2011         % Change
Return on average   0.89      % 0.82       % 8.54       %
assets
Return on average   7.61        7.15         6.43
equity
Return on average   13.87       13.68        1.39
tangible equity (1)
Yield on earning    4.44        4.86         (8.64)
assets (2)
Cost of interest    1.08        1.36         (20.59)
bearing liabilities
Net interest spread 3.36        3.50         (4.00)
(2)
Net interest margin 3.53        3.69         (4.34)
(2)
Efficiency (1) (2) 60.38       59.40        1.65
Average loans to    74.07       77.02        (3.83)
average deposits
Annualized net loan
charge-offs/average 0.73        1.33         (45.11)
loans
Effective income    21.67       19.23        12.69
tax rate
                    For the Quarter Ended
                    Sept. 30,   June 30,     Mar. 31,     Dec. 31,     Sept. 30,
                    2012        2012         2012         2011         2011
Return on average   0.92      % 0.87       % 0.87       % 0.77       % 0.80       %
assets
Return on average   7.83        7.45         7.54         6.61         6.92
equity
Return on average   14.09       13.57        13.93        12.31        13.03
tangible equity (1)
Yield on earning    4.37        4.43         4.54         4.61         4.78
assets (2)
Cost of interest    1.03        1.07         1.14         1.22         1.28
bearing liabilities
Net interest spread 3.34        3.36         3.40         3.39         3.50
(2)
Net interest margin 3.51        3.53         3.57         3.56         3.67
(2)
Efficiency (1) (2) 59.45       61.06        60.64        59.81        56.84
Average loans to    74.95       73.35        73.88        74.31        76.55
average deposits
Annualized net loan
charge-offs/average 0.54        0.84         0.82         1.22         2.11
loans
Effective income    21.16       22.33        21.56        15.42        15.65
tax rate
Trust assets,       $         $         $         $         $   
market value at     3,236,618   3,133,741   3,164,235   2,973,352   2,789,218
period end
(1) See non-GAAP financial measures for additional information relating to the
calculation of this item.
(2) The yield on earning assets, net interest margin, net interest spread and
efficiency ratios are presented on a fully

taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax
benefit of income on certain tax-exemptloans and investments. WesBanco believes
this measure to be the preferred industry measurement of net interest income
andprovides a relevant comparison between taxable and non-taxable amounts.

WESBANCO, INC.
Consolidated Selected Financial Highlights                         Page 6
(unaudited, dollars in thousands, except                           % Change
shares)
Balance sheets          September 30,                    December  December
                                                         31,       31, 2011
                                               %                   to
Assets                  2012        2011       Change    2011      September
                                                                   30, 2012
                        $       $                 $    
Cash and due from banks 97,736     126,437   (22.70) %         (24.47)   %
                                                         129,396
Due from banks -        18,675      19,081     (2.13)    10,929    70.88
interest bearing
Securities:
 Available-for-sale, at 993,754     952,065    4.38      1,016,340 (2.22)
 fair value
 Held-to-maturity (fair
 values of $598,854;    559,156     604,994    (7.58)    592,925   (5.70)
 $631,405 and $621,472,
 respectively)
  Total   1,552,910   1,557,059  (0.27)    1,609,265 (3.50)
 securities
Loans held for sale     14,225      8,139      74.78     6,084     133.81
Portfolio loans:
 Commercial real estate 1,717,241   1,697,791  1.15      1,685,565 1.88
 Commercial and         447,767     426,165    5.07      426,315   5.03
 industrial
 Residential real       684,016     612,647    11.65     621,383   10.08
 estate
 Home equity            255,787     250,867    1.96      251,785   1.59
 Consumer              248,155     252,908    (1.88)    254,320   (2.42)
Total portfolio loans,  3,352,966   3,240,378  3.47      3,239,368 3.51
net of unearned income
Allowance for loan      (53,476)    (55,098)   2.94      (54,810)  2.43
losses
 Net portfolio loans    3,299,490   3,185,280  3.59      3,184,558 3.61
Premises and equipment, 80,176      83,198     (3.63)    82,204    (2.47)
net
Accrued interest        19,171      20,837     (8.00)    19,268    (0.50)
receivable
Goodwill and other      281,570     283,737    (0.76)    283,150   (0.56)
intangible assets, net
Bank-owned life         112,720     109,204    3.22      110,074   2.40
insurance
Other assets            100,286     109,186    (8.15)    101,102   (0.81)
Total Assets            $          $         1.36    % $     0.74      %
                        5,576,959  5,502,158            5,536,030
Liabilities
Deposits:
 Non-interest bearing   $       $                 $    
 demand                 760,308     676,724   12.35   %         7.78      %
                                                         705,415
 Interest bearing       784,748     668,606    17.37     698,114   12.41
 demand
 Money market           778,121     806,854    (3.56)    789,036   (1.38)
 Savings deposits       649,959     587,263    10.68     596,549   8.95
 Certificates of        1,515,076   1,616,961  (6.30)    1,604,752 (5.59)
 deposit
    Total deposits      4,488,212   4,356,408  3.03      4,393,866 2.15
Federal Home Loan Bank  91,617      176,581    (48.12)   168,186   (45.53)
borrowings
Other short-term        186,886     192,780    (3.06)    196,887   (5.08)
borrowings
Junior subordinated
debt owed to            106,091     106,058    0.03      106,066   0.02
unconsolidated
subsidiary trusts
    Total borrowings    384,594     475,419    (19.10)   471,139   (18.37)
Accrued interest        4,628       5,772      (19.82)   4,975     (6.97)
payable
Other liabilities       40,203      30,157     33.31     32,260    24.62
Total Liabilities       4,917,637   4,867,756  1.02      4,902,240 0.31
Shareholders' Equity
Preferred stock, no par
value; 1,000,000 shares
authorized;
 none outstanding       -           -          -         -         -
Common stock, $2.0833
par value; 50,000,000
shares authorized;
 26,667,739 shares;
 26,633,848 shares and
 26,633,848 shares
 issued, respectively;
 26,665,519 shares;
 26,629,360 shares and
 26,629,360 shares      55,558      55,487     0.13      55,487    0.13
 outstanding,
 respectively
Capital surplus         192,159     191,471    0.36      191,679   0.25
Retained earnings       411,853     382,442    7.69      388,818   5.92
Treasury stock (2,220;
4,488 and 4,488 shares
- at cost,
 respectively)          (44)        (96)       54.17     (96)      54.17
Accumulated other       1,019       6,287      (83.79)   (902)     212.97
comprehensive income
Deferred benefits for   (1,223)     (1,189)    (2.86)    (1,196)   (2.26)
directors
Total Shareholders'     659,322     634,402    3.93      633,790   4.03
Equity
Total Liabilities and   $          $         1.36    % $     0.74      %
Shareholders' Equity    5,576,959  5,502,158            5,536,030





WESBANCO, INC.
Consolidated Selected Financial Highlights                          Page 7
(unaudited, dollars in thousands, except shares)
Balance sheets                         September 30,  June 30,
Assets                                 2012           2012          % Change
Cash and due from banks                $          $       (2.20)   %
                                       97,736         99,930
Due from banks - interest bearing      18,675         2,885         547.31
Securities:
  Available-for-sale, at fair value    993,754        1,023,124     (2.87)
  Held-to-maturity (fair values of     559,156        572,671       (2.36)
  $598,854 and $607,032, respectively)
   Total securities                 1,552,910      1,595,795     (2.69)
Loans held for sale                    14,225         7,305         94.73
Portfolio loans:
  Commercial real estate               1,717,241      1,695,045     1.31
  Commercial and industrial            447,767        420,689       6.44
  Residential real estate             684,016        662,556       3.24
  Home equity                          255,787        250,988       1.91
  Consumer                            248,155        246,552       0.65
Total portfolio loans, net of unearned 3,352,966      3,275,830     2.35
income
Allowance for loan losses              (53,476)       (53,610)      0.25
   Net portfolio loans              3,299,490      3,222,220     2.40
Premises and equipment, net            80,176         80,668        (0.61)
Accrued interest receivable            19,171         18,233        5.14
Goodwill and other intangible assets,  281,570        282,088       (0.18)
net
Bank-owned life insurance              112,720        111,829       0.80
Other assets                           100,286        104,452       (3.99)
Total Assets                           $             $         0.93     %
                                       5,576,959     5,525,405
Liabilities
Deposits:
  Non-interest bearing demand          $          $       0.07     %
                                       760,308        759,779
  Interest bearing demand              784,748        728,521       7.72
  Money market                         778,121        753,964       3.20
  Savings deposits                     649,959        646,385       0.55
  Certificates of deposit              1,515,076      1,505,133     0.66
   Total deposits                   4,488,212      4,393,782     2.15
Federal Home Loan Bank borrowings      91,617         141,877       (35.43)
Other short-term borrowings            186,886        191,275       (2.29)
Junior subordinated debt owed to       106,091        106,083       0.01
unconsolidated subsidiary trusts
   Total borrowings                 384,594        439,235       (12.44)
Accrued interest payable               4,628          4,741         (2.38)
Other liabilities                      40,203         38,535        4.33
Total Liabilities                      4,917,637      4,876,293     0.85
Shareholders' Equity
Preferred stock, no par value;
1,000,000                              -              -             -
 sharesauthorized;none outstanding
Common stock, $2.0833 par value;
50,000,000
 shares authorized; 26,667,739 shares
and
 26,667,739 shares issued,
respectively;

 26,665,519 and 26,664,644 shares     55,558         55,558        -
 outstanding, respectively
Capital surplus                        192,159        191,926       0.12
Retained earnings                      411,853        403,746       2.01
Treasury stock (2,220 and 3,095 shares (44)           (61)          27.87
- at cost)
Accumulated other comprehensive income 1,019          (843)         220.88
Deferred benefits for directors        (1,223)        (1,214)       (0.74)
Total Shareholders' Equity             659,322        649,112       1.57
Total Liabilities and Shareholders'    $             $         0.93     %
Equity                                 5,576,959     5,525,405



WESBANCO, INC.
Consolidated Selected Financial                                                  Page 8
Highlights
(unaudited, dollars in
thousands)
Average balance sheet
and
net interest  For the Three Months Ended September  For the Nine Months Ended September
margin        30,                                   30,
analysis
              2012               2011               2012               2011
              Average  Average  Average  Average  Average  Average  Average  Average
Assets        Balance   Rate     Balance   Rate     Balance   Rate     Balance   Rate
Due from
banks -       $     0.17%    $     0.18%    $     0.23%    $     0.19%
interest       23,504           51,860           28,407           47,280
bearing
Loans, net of
unearned      3,327,666 4.95%    3,276,095 5.35%    3,275,987 5.07%    3,263,317 5.45%
income (1)
Securities:
(2)
 Taxable   1,226,207 2.52%    1,170,868 3.09%    1,268,739 2.60%    1,156,706 3.13%

Tax-exempt    326,722   5.86%    297,595   6.24%    318,210   5.98%    297,412   6.24%
(3)
 Total 1,552,929 3.22%    1,468,463 3.73%    1,586,949 3.28%    1,454,118 3.77%
securities
Other earning 18,904    0.42%    24,087    0.36%    20,448    0.44%    25,748    0.45%
assets

Total earning 4,923,003 4.37%    4,820,505 4.78%    4,911,791 4.44%    4,790,463 4.86%
assets (3)
Other assets  633,380            632,749            642,838            624,988
Total Assets  $                $                $                $  
              5,556,383          5,453,254          5,554,629          5,415,451
Liabilities
and
Shareholders'
Equity
Interest
bearing       $     0.21%    $     0.30%    $     0.21%    $     0.37%
demand        753,966           619,721           736,144           610,860
deposits
Money market  768,527   0.25%    805,919   0.55%    775,192   0.31%    790,353   0.62%
accounts
Savings       649,231   0.12%    579,901   0.23%    633,829   0.15%    563,789   0.28%
deposits
Certificates  1,511,330 1.70%    1,623,908 1.89%    1,543,703 1.73%    1,645,866 1.93%
of deposit
 Total
interest      3,683,054 0.81%    3,629,449 1.05%    3,688,868 0.86%    3,610,868 1.12%
bearing
deposits
Federal Home
Loan Bank     119,464   3.40%    198,986   3.42%    142,734   3.45%    223,277   3.44%
borrowings
Other         195,109   2.38%    200,025   2.42%    195,810   2.39%    191,552   2.51%
borrowings
Junior
subordinated  106,087   3.26%    106,054   3.03%    106,079   3.27%    106,046   3.05%
debt
 Total
interest      4,103,714 1.03%    4,134,514 1.28%    4,133,491 1.08%    4,131,743 1.36%
bearing
liabilities
Non-interest
bearing       756,782            649,956            734,248            626,088
demand
deposits
Other         40,221             37,610             39,241             37,141
liabilities
Shareholders' 655,666            631,174            647,649            620,479
equity
Total
Liabilities   $                $                $                $  
and           5,556,383          5,453,254          5,554,629          5,415,451
Shareholders'
Equity
Taxable
equivalent              3.34%              3.50%              3.36%              3.50%
net interest
spread
Taxable
equivalent              3.51%              3.67%              3.53%              3.69%
net interest
margin
(1) Gross of allowance for loan losses and net of unearned income.
Includes non-accrual and loans held for sale.
 Loan fees included in interest income on loans are $1.0 million and $1.0 million
for the three months ended September 30, 2012 and 2011,
 and $3.1 million and $3.3 million for the nine months ended
September 30, 2012 and 2011, respectively.
(2) Average yields on available-for sale securities are
calculated based on amortized cost.
(3) Taxable equivalent basis is calculated on tax-exempt securities
using a rate of 35% for each period presented.

WESBANCO, INC.
Consolidated Selected Financial Highlights                          Page 9
(unaudited, dollars in thousands, except shares and per
share amounts)
                   Quarter Ended
Statement of       Sept. 30,    June 30,    Mar. 31,   Dec. 31,    Sept. 30,
Income
Interest income    2012         2012        2012        2011        2011
 Loans, including  $        $       $       $       $    
 fees              41,423                                   
                                40,957     41,964     42,767     44,191
 Interest and
 dividends on
 securities:
    Taxable       7,722        8,471       8,590       8,862       9,032
    Tax-exempt     3,113        3,079       3,079       3,059       3,019
     Total
    interest and   10,835       11,550      11,669      11,921      12,051
    dividends on
    securities
 Other interest    30           38          47          52          45
 income
 Total
interest and       52,288       52,545      53,680      54,740      56,287
dividend income
Interest expense
 Interest bearing  397          393         405         487         462
 demand deposits
 Money market      487          493         742         1,108       1,121
 deposits
 Savings deposits  202          200         295         337         332
 Certificates of   6,450        6,621       6,979       7,347       7,728
 deposit
     Total
    interest       7,536        7,707       8,421       9,279       9,643
    expense on
    deposits
 Federal Home Loan 1,020        1,288       1,377       1,456       1,714
 Bank borrowings
 Other short-term  1,169        1,156       1,178       1,232       1,220
 borrowings
 Junior
 subordinated debt
 owed to           869          854         874         839         809
 unconsolidated
 subsidiary trusts
     Total
    interest       10,594       11,005      11,850      12,806      13,386
    expense
Net interest       41,694       41,540      41,830      41,934      42,901
income
 Provision for     4,497        5,903       6,202       9,631       10,836
 credit losses
Net interest
income after       37,197       35,637      35,628      32,303      32,065
provision for
credit losses
Non-interest
income
 Trust fees        4,379        4,258       4,753       4,198       3,941
 Service charges   4,362        4,218       3,993       4,638       4,881
 on deposits
 Electronic        2,846        2,920       2,763       2,603       2,679
 banking fees
 Net securities    1,131        1,114       1,075       1,048       1,182
 brokerage revenue
 Bank-owned life   891          874         880         864         908
 insurance
 Net gains on
 sales of mortgage 993          599         268         679         327
 loans
 Net securities    316          1,294       100         865         67
 gains
 Net loss on other
 real estate owned (48)         (282)       32          (312)       (162)
 and other assets
 Other income      1,092        899         1,458       1,185       776
     Total
    non-interest   15,962       15,894      15,322      15,768      14,599
    income
Non-interest
expense
 Salaries and      14,758       13,955      14,315      14,633      14,427
 wages
 Employee benefits 5,000        4,920       5,618       4,456       3,462
 Net occupancy     2,654        2,703       2,776       2,805       3,068
 Equipment        2,300        2,144       2,174       2,193       2,107
 Marketing         795          1,716       771         1,281       1,214
 FDIC insurance   951          965         1,045       1,008       1,091
 Amortization of   519          524         537         588         599
 intangible assets
 Restructuring and
 merger-related    1,518        -           -           -           -
 expense
 Other operating   8,295        9,157       8,429       8,530       7,639
 expenses
     Total
    non-interest   36,790       36,084      35,665      35,494      33,607
    expense
Income before
provision for      16,369       15,447      15,285      12,577      13,057
income taxes
 Provision for     3,463        3,449       3,295       1,940       2,044
 income taxes
                   $       $       $       $       $    
Net Income                                              
                   12,906      11,998     11,990     10,637     11,013
Taxable equivalent $       $       $       $       $    
net interest                 43,197   43,488      43,581   44,526
income             43,370
Per common share
data
Net income per     $       $       $       $       $    
common share -                                     
basic               0.48      0.45       0.45       0.40       0.41
Net income per     $       $       $       $       $    
common share -                                     
diluted             0.48      0.45       0.45       0.40       0.41
                   $       $       $       $       $    
Dividends declared                                 
                    0.18      0.17       0.17       0.16       0.16
Book value (period $       $       $       $       $    
end)                                                 
                   24.73       24.34      24.11      23.80      23.82
Tangible book      $       $       $       $       $    
value (period end)                                   
(1)                14.17       13.76      13.50      13.17      13.17
Average common
shares outstanding 26,664,882   26,647,050  26,628,025  26,629,360  26,629,360
- basic
Average common
shares outstanding 26,672,849   26,650,325  26,631,187  26,629,688  26,629,543
- diluted
Period end common  26,665,519   26,664,644  26,627,689  26,629,360  26,629,360
shares outstanding
Full time
equivalent         1,366        1,404       1,371       1,368       1,377
employees
(1) See non-GAAP financial measures for additional information relating to the
calculation of this item.

WESBANCO, INC.
Consolidated Selected Financial Highlights                           Page 10
(unaudited, dollars in thousands)
                          Quarter Ended
                          Sept.      June 30,   Mar. 31,   Dec.      Sept.
                          30,                              31,       30,
Asset quality data        2012       2012       2012       2011      2011
Non-performing assets:
  Troubled debt           $       $       $       $      $   
  restructurings -         24,858    28,165    27,900            
  accruing                                                 29,411    27,416
  Non-accrual loans:
     Troubled debt        9,449      11,159     16,935     17,287    16,312
     restructurings
     Other non-accrual    24,841     28,793     36,139     40,205    40,505
     loans
      Total            34,290     39,952     53,074     57,492    56,817
     non-accrual loans
      Total
     non-performing       59,148     68,117     80,974     86,903    84,233
     loans
  Other real estate and   3,951      3,918      3,178      3,029     4,687
  repossessed assets
     Total non-performing $       $       $       $      $   
     assets                63,099    72,035    84,152            
                                                           89,932    88,920
Past due loans (1):
  Loans past due 30-89    $       $       $       $      $   
  days                     17,332    15,117    15,034            
                                                           19,888    23,658
  Loans past due 90 days  3,560      3,639      3,146      5,135     6,401
  or more
                          $       $       $       $      $   
     Total past due loans  20,892    18,756    18,180            
                                                           25,023    30,059
Criticized and classified
loans (2):
  Criticized loans        $       $       $       $      $   
                          102,792    122,854    129,312    141,195   147,572
  Classified loans        94,613     100,436    107,757    116,973   123,102
     Total criticized and $       $       $       $      $   
     classified loans     197,405    223,290    237,069    258,168   270,674
Loans past due 30-89 days 0.52     % 0.46     % 0.47     % 0.61    % 0.73    %
/ total loans
Loans past due 90 days or 0.11       0.11       0.10       0.16      0.20
more / total loans
Non-performing loans /    1.76       2.08       2.51       2.68      2.60
total loans
Non-performing
assets/total loans, other
  real estate and         1.88       2.20       2.61       2.77      2.74
  repossessed assets
Criticized and classified 5.89       6.82       7.35       7.97      8.35
loans / total loans
Allowance for loan losses
                          $       $       $       $      $   
Allowance for loan losses  53,476    53,610    54,395            
                                                           54,810    55,098
Provision for credit      4,497      5,903      6,202      9,631     10,836
losses
Net loan and deposit
account overdraft         4,566      6,805      6,617      9,921     17,392
charge-offs
Annualized net loan
charge-offs /average      0.54     % 0.84     % 0.82     % 1.22    % 2.11    %
loans
Allowance for loan        1.59     % 1.64     % 1.69     % 1.69    % 1.70    %
losses/total loans
Allowance for loan
losses/non-performing     0.90     x 0.79     x 0.67     x 0.63    x 0.65    x
loans
Allowance for loan
losses/non-performing
loans and
  loans past due         0.67     x 0.62     x 0.55     x 0.49    x 0.48    x
                          Quarter Ended
                          Sept.      June 30,   Mar. 31,   Dec.      Sept.
                          30,                              31,       30,
                          2012       2012       2012       2011      2011
Capital ratios
Tier I leverage capital   9.11     % 8.94     % 8.81     % 8.71    % 8.69    %
Tier I risk-based capital 13.20      13.11      12.89      12.68     12.49
Total risk-based capital  14.45      14.36      14.14      13.93     13.74
Average shareholders'     11.80      11.66      11.52      11.58     11.57
equity to average assets
Tangible equity to        7.13       7.00       6.76       6.68      6.72
tangible assets (3)
(1) Excludes non-performing loans.
(2) Criticized and classified loans may include loans that are also reported
as non-performing or past due.
(3) See non-GAAP financial measures for additional information relating to the
calculation of this ratio.

NON-GAAP FINANCIAL MEASURES                                    Page 11
The following non-GAAP financial measures used by WesBanco provide information useful to
investors in understanding WesBanco's operating performance and trends, and facilitate
comparisons with the performance of WesBanco's peers. The following tables summarize the
non-GAAP financial measures derived from amounts reported in WesBanco's financial statements.
               Three Months Ended                                          Year to Date
               Sept. 30,   June 30,    Mar. 31,    Dec. 31,   Sept. 30,  Sept. 30,
(unaudited,
dollars in     2012        2012        2012        2011        2011        2012      2011
thousands)
Return on
average
tangible
equity:
 Net income    $        $        $        $        $        $      $   
 (annualized)  51,345     48,255      48,223      42,201      43,694      49,282    44,351
 Plus:
 amortization
 of            1,342       1,370       1,405       1,516       1,545       1,372     1,583
 intangibles
 (annualized)
 (1)
 Net income
 before
 amortization  52,687      49,625      49,628      43,717      45,239      50,654    45,934
 of
 intangibles
 (annualized)
 Average total
 shareholders' 655,666     648,014     639,180     638,656     631,174     647,649   620,479
 equity
 Less: average
 goodwill and  (281,820)   (282,339)   (282,849)   (283,406)   (284,003)   (282,334) (284,607)
 other
 intangibles
 Average
 tangible      373,846     365,676     356,331     355,250     347,171     365,315   335,872
 equity
Return on
average        14.09%      13.57%      13.93%      12.31%      13.03%      13.87%    13.68%
tangible
equity
               Period End
               Sept. 30,   June 30,    Mar. 31,    Dec. 31,    Sept. 30,
               2012        2012        2012        2011        2011
Tangible book
value:
 Total         $         $         $         $         $  
 shareholders' 659,322    649,112     642,001     633,790     634,402
 equity
 Less:
 goodwill and
 other         (281,570)   (282,088)   (282,612)   (283,150)   (283,737)
 intangible
 assets
 Tangible      377,752     367,024     359,389     350,640     350,665
 equity
 Common shares 26,665,519  26,664,644  26,627,689  26,629,360  26,629,360
 outstanding
Tangible book  $       $       $       $       $    
value          14.17      13.76       13.50       13.17       13.17
Tangible
equity to
tangible
assets:
 Total         $         $         $         $         $  
 shareholders' 659,322    649,112     642,001     633,790     634,402
 equity
 Less:
 goodwill and
 other         (281,570)   (282,088)   (282,612)   (283,150)   (283,737)
 intangible
 assets
 Tangible      377,752     367,024     359,389     350,640     350,665
 equity
 Total assets  5,576,959   5,525,405   5,600,643   5,536,030   5,502,158
 Less:
 goodwill and
 other         (281,570)   (282,088)   (282,612)   (283,150)   (283,737)
 intangible
 assets
 Tangible      5,295,389   5,243,317   5,318,031   5,252,880   5,218,421
 assets
Tangible
equity to      7.13%       7.00%       6.76%       6.68%       6.72%
tangible
assets
Efficiency
ratio:
Efficiency ratio is calculated by dividing non-interest expense less restructuring and merger
related expenses by the sum of net interest income on a fully taxable equivalent basis plus
non-interest income.
(1) Tax effected at 35%.



SOURCE WesBanco, Inc.

Website: http://www.wesbanco.com
Contact: Paul M. Limbert, President and Chief Executive Officer, or Robert H.
Young, Executive Vice President and Chief Financial Officer, +1-304-234-9000