Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 17

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 17
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4 Commercial Loan Repricing Frequency ©2025 WesBanco, Inc. | All rights reserved

Quarter Ending % H / (L) % H / (L) ($000s) 12/31/24 12/31/23 09/30/24 Trust fees $7,775 10.8% 3.4% Service charges on deposits 8,138 16.4% 2.4% Digital banking income 5,125 4.8% 0.8% Net swap fee & valuation (loss)/income 3,230 nm nm Net securities brokerage revenue 2,430 (5.2%) (8.6%) Bank-owned life insurance 2,512 (27.3%) 15.6% Mortgage banking income 1,229 89.1% (4.0%) Net securities gains/(losses) 61 (93.1%) (91.0%) Net gains/(losses) on OREO & other assets 193 (56.6%) (180.8%) Other income 5,695 61.7% 81.1% Total non-interest income $36,388 21.0% 22.9% • Non-interest income increased year-over-year reflecting growth in net swap fee and valuation income, trust fees, and service charges on deposits, which include new products and services and treasury management fees • Gross swap fees were $1.3 million, compared to $2.2 million in the prior year ▪ Fair market valuation gain of $1.9 million, as compared to a $2.5 million loss last year • Service charges on deposits reflect fee income from new products and services and treasury management, as well as increased general consumer spending • Trust fees reflect organic growth and market valuation changes • Other fee income included a $2.3 million from the transfer of certain liabilities for future pension payments to a third-party insurance company 23 Fee income increased $6.3 million, or 21%, year-over-year Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Q4 2024 Non-Interest Income ©2025 WesBanco, Inc. | All rights reserved

Quarter Ending % H / (L) % H / (L) ($000s) 12/31/24 12/31/23 09/30/24 Salaries and wages $45,638 1.0