nwbi-20210125

0001471265-21-000002.txt : 20210125 0001471265-21-000002.hdr.sgml : 20210125 20210125090357 ACCESSION NUMBER: 0001471265-21-000002 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210125 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210125 DATE AS OF CHANGE: 20210125 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Northwest Bancshares, Inc. CENTRAL INDEX KEY: 0001471265 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34582 FILM NUMBER: 21548168 BUSINESS ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 BUSINESS PHONE: (814) 726-2140 MAIL ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 8-K 1 nwbi-20210125.htm 8-K nwbi-20210125

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 25, 2021

Northwest Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maryland

001-34582

27-0950358

(State or other jurisdiction of incorporation)

(Commission File No.)

(I.R.S. Employer Identification No.)

100 Liberty Street

Warren

Pennsylvania

16365

(Address of principal executive office)

(Zip code)

(814) 726-2140

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, 0.01 Par Value

NWBI

NASDAQ Stock Market, LLC

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

Indicate by a check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange act. ☐

Item 2.02 Results of Operations and Financial Condition

On January 25, 2021, Northwest Bancshares, Inc. issued an earnings release for the quarter ended December 31, 2020. A copy of the release is included as exhibit 99.1 to this report and is being furnished to the SEC and shall not be deemed “filed” for any purpose.

Item 9.01 Financial Statements and Exhibits

(a) Not applicable

(b) Not applicable

(d) Exhibits


Exhibit No.						Description

99.1						Press release dated January 25, 2021

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

NORTHWEST BANCSHARES, INC.

Date:

January 25, 2021

By:

/s/ William W. Harvey, Jr.

William W. Harvey, Jr.

Chief Financial Officer

EX-99.1 2 ng2020-12x31nwbi8ker.htm EX-99.1 Document

EXHIBIT 99.1

PRESS RELEASE OF NORTHWEST BANCSHARES, INC.

EARNINGS RELEASE

FOR IMMEDIATE RELEASE


Contact:			Ronald J. Seiffert, Chairman, President and Chief Executive Officer (814) 726-2140
			William W. Harvey, Jr., Senior Executive Vice President and Chief Financial Officer (814) 726-2140

Northwest Bancshares, Inc. Announces Fourth Quarter 2020 Earnings and Quarterly Dividend

Warren, Pennsylvania — January 25, 2021

Northwest Bancshares, Inc., (the "Company"), (NasdaqGS: NWBI) announced net income for the quarter ended December 31, 2020 of $35.1 million, or $0.28 per diluted share. This represents an increase of $9.5 million, or 37.0%, compared to the same quarter last year when net income was $25.6 million, or $0.24 per diluted share. The annualized returns on average shareholders’ equity and average assets for the quarter ended December 31, 2020 were 9.00% and 1.01% compared to 7.52% and 0.97% for the same quarter last year.

The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.19 per share payable on February 15, 2021 to shareholders of record as of February 4, 2021. This is the 105th consecutive quarter in which the Company has paid a cash dividend. Ronald J. Seiffert, Chairman, President and CEO, added, "We are extremely proud that we were able to maintain our dividend throughout 2020 despite the challenges of COVID-19 on bank earnings. Based on the current market value of the Company's stock, this represents an annualized dividend yield of approximately 5.50%, which continues to be among the highest in our peer group."

Mr. Seiffert continued, “When looking back over a very challenging 2020, I am amazed at what our team accomplished during the midst of COVID-19. We successfully adopted CECL in the first quarter followed closely by the close and conversion of MutualBank on April 24th, the largest acquisition in the company’s history. We also completed a very successful $125 million sub-debt offering in September. This additional liquidity and capital at the holding company allowed us to resume our existing five million share common stock buyback program, of which we successfully repurchased approximately 760,000 shares in the fourth quarter at an average price of $12.20. Finally, we completed our branch optimization program which resulted in the consolidation of 43 offices in December 2020. In addition to all of these initiatives, we will be launching our digital strategy this year which will significantly enhance our online banking capabilities and streamline our account opening processes. We want to give our customers the same award winning experience online as they are accustomed to receiving in our branch offices. In addition, we are expanding our capabilities in mortgage banking to all of our markets and expanding our geographic footprint for dealer services' indirect auto and power sports lending. We have acquired talent to enhance our treasury management services, added resources to our corporate finance capabilities, created a healthcare vertical with a dedicated subject matter expert and will be opening a Loan Production Office in the greater Philadelphia market with the addition of a team of capable middle market bankers. As rewarding as 2020 was, we are even more optimistic about 2021."

Net interest income increased by $13.9 million, or 15.7%, to $102.9 million for the quarter ended December 31, 2020, from $88.9 million for the quarter ended December 31, 2019, primarily due to a $7.8 million, or 8.0%, increase in interest income on loans receivable and a $6.2 million, or 47.9%, decrease in interest expense on deposits. The increase in interest income was primarily due to an increase of $1.935 billion, or 22.2%, in the average balance of loans which more than offset the decline experienced from a reduction in the yield on loans to 3.97% for the quarter ended December 31, 2020 from 4.47% for the same quarter last year. The decrease in interest expense was primarily due to a decrease in our interest-bearing cost of deposits to 0.30% for the quarter ended December 31, 2020 from 0.75% for the quarter ended December 31, 2019 which was partially offset by the growth in the average balance of interest-bearing deposits by $1.991 billion, or 29.1%. The net impact of these changes caused the Company's net interest margin to decrease to 3.26% for the quarter ended December 31, 2020 from 3.73% for the same quarter last year.

The provision for credit losses decreased by $10.5 million, or 127.1%, due to a release of the allowance for credit losses of $2.2 million for the quarter ended December 31, 2020, compared to an expense of $8.2 million for the quarter ended December 31, 2019. This decrease in the provision was primarily the result of improvements in the economic forecasts.

Noninterest income increased by $3.9 million, or 13.9%, to $32.1 million for the quarter ended December 31, 2020, from $28.2 million for the quarter ended December 31, 2019. This increase was primarily due to the increase in mortgage banking income of $5.6 million to $7.1 million for the quarter ended December 31, 2020 from $1.5 million for the quarter ended December 31, 2019. Our successful mortgage banking income was the result of continued efforts to expand our secondary market sales capabilities over the past year, as well as an interest rate environment conducive to refinance activity and attractive secondary market pricing. Also contributing to this increase was a $1.2 million, or 26.7%, increase in trust and other financial services income due to additional fee income received as a result of the acquisition of MutualBank. Partially offsetting these increases was a decrease in other operating income of $1.4 million, or 34.9%, due to a decline in swap fee income as well as a decrease of service charges and fees of $1.1 million, or 7.4%, primarily as a result of the fee income cap of the Durbin amendment on debit card interchange revenue which took effect for Northwest on July 1, 2020.

Noninterest expense increased by $16.3 million, or 21.3%, to $92.8 million for the quarter ended December 31, 2020, from $76.6 million for the quarter ended December 31, 2019. This increase primarily resulted from a $6.1 million increase in acquisition and branch optimization expense due to expenses incurred as part of the branch optimization initiative that occurred during December. In addition, compensation and employee benefits increased $6.1 million, or 14.6%, due to internal growth of compensation and staff as well as the addition of MutualBank employees. Also contributing to this increase was an increase in processing expenses of $1.9 million, or 18.7%, as we continue to invest in technology and infrastructure and as activity driven utilization fees for online and mobile banking and loan origination platforms has increased. Lastly, federal deposit insurance premiums increased $1.7 million due to assessment credits received in the previous year.

Net income for the year ended December 31, 2020 was $74.9 million, or $0.62 per diluted share. This represents a decrease of $35.6 million, or 32.2%, compared to the year ended December 31, 2019, when net income was $110.4 million, or $1.04 per diluted share. The annualized returns on average shareholders' equity and average assets for the year ended December 31, 2020 were 4.72% and 0.58% compared to 8.36% and 1.07% for the prior year. This decrease in net income was the result of an increase in provision for credit losses of $61.3 million primarily as a result of COVID-19 and the expected impact on the allowance for credit losses as well as the acquisition of MutualBank and the required provision associated with the adoption of ASU 2016-13, Current Expected Credit Losses ("CECL"). In addition, noninterest expense increased by $51.4 million, or 17.4%, primarily as a result of the additional operating expenses of MutualBank as well as the one-time costs associated with acquisitions and branch optimization costs which increased $16.6 million for the year. Partially offsetting these factors was an increase in net interest income over the prior year of $31.3 million, or 8.7%, due to balance sheet growth during the year as well as a $32.9 million, or 33.1%, increase in fee income highlighted by a $27.6 million increase in mortgage banking income.

Headquartered in Warren, Pennsylvania, Northwest Bancshares, Inc. is the holding company of Northwest Bank. Founded in 1896, Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, employee benefits and wealth management services, as well as the fulfillment of business and personal insurance needs. As of December 31, 2020, Northwest operates 162 full-service community banking offices and eight free standing drive-through facilities in Pennsylvania, New York, Ohio and Indiana. Northwest Bancshares, Inc.’s common stock is listed on the NASDAQ Global Select Market (“NWBI”). Additional information regarding Northwest Bancshares, Inc. and Northwest Bank can be accessed on-line at www.northwest.com.

# # #

Forward-Looking Statements - This release may contain forward-looking statements with respect to the financial condition and results of operations of Northwest Bancshares, Inc. including, without limitations, statements relating to the earnings outlook of the Company. These forward-looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements, include among others, the following possibilities: (1) changes in the interest rate environment; (2) competitive pressure among financial services companies; (3) general economic conditions including an increase in non-performing loans; (4) changes in legislation or regulatory requirements; (5) difficulties in continuing to improve operating efficiencies; (6) difficulties in the integration of acquired businesses or the ability to complete sales transactions; and (7) increased risk associated with commercial real-estate and business loans. Management has no obligation to revise or update these forward-looking statements to reflect events or circumstances that arise after the date of this release.

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Financial Condition (Unaudited)

(dollars in thousands, except per share amounts)


	December 31, 2020			September 30, 2020		December 31, 2019
Assets
Cash and cash equivalents	$	736,277		656,749		60,846


Marketable securities available-for-sale (amortized cost of $1,375,685, $1,385,835 and $815,495, respectively)	1,398,941			1,409,150		819,901
Marketable securities held-to-maturity (fair value of $179,666, $16,168 and $18,223, respectively)	178,887			15,333		18,036
Total cash and cash equivalents and marketable securities	2,314,105			2,081,232		898,783

Residential mortgage loans held-for-sale	58,786			25,140		7,709
Residential mortgage loans	3,009,335			3,118,229		2,860,418
Home equity loans	1,467,736			1,484,365		1,342,918
Consumer loans	1,507,993			1,487,083		1,125,132
Commercial real estate loans	3,345,889			3,319,743		2,754,390
Commercial loans	1,191,110			1,347,292		718,107
Total loans receivable	10,580,849			10,781,852		8,808,674
Allowance for credit losses	(134,427)			(140,209)		(57,941)
Loans receivable, net	10,446,422			10,641,643		8,750,733


Federal Home Loan Bank stock, at cost	21,748			23,171		14,740
Accrued interest receivable	35,554			36,916		25,755
Real estate owned, net	2,232			2,575		950
Premises and equipment, net	161,538			166,919		147,409
Bank-owned life insurance	253,951			252,621		189,091
Goodwill	382,279			386,044		346,103
Other intangible assets, net	19,936			21,601		23,076
Other assets	168,503			176,083		97,268
Total assets	$	13,806,268		13,788,805		10,493,908
Liabilities and shareholders’ equity
Liabilities
Noninterest-bearing demand deposits	$	2,716,224		2,641,234		1,609,653
Interest-bearing demand deposits	2,755,950			2,663,878		1,944,108
Money market deposit accounts	2,437,539			2,396,567		1,863,998
Savings deposits	2,047,424			2,022,918		1,604,838
Time deposits	1,642,096			1,732,022		1,569,410
Total deposits	11,599,233			11,456,619		8,592,007


Borrowed funds	283,044			398,216		246,336
Junior subordinated debentures	128,794			128,729		121,800
Advances by borrowers for taxes and insurance	45,230			29,755		44,556
Accrued interest payable	2,054			1,002		1,142
Other liabilities	209,210			227,253		134,782
Total liabilities	12,267,565			12,241,574		9,140,623
Shareholders’ equity
Preferred stock, $0.01 par value: 50,000,000 shares authorized, no shares issued	—			—		—
Common stock, $0.01 par value: 500,000,000 shares authorized, 127,019,452, 127,801,297, and 106,859,088 shares issued and outstanding, respectively	1,270			1,278		1,069
Paid-in capital	1,015,502			1,023,827		805,750
Retained earnings	555,480			544,695		583,407

Accumulated other comprehensive loss	(33,549)			(22,569)		(36,941)
Total shareholders’ equity	1,538,703			1,547,231		1,353,285
Total liabilities and shareholders’ equity	$	13,806,268		13,788,805		10,493,908

Equity to assets	11.14		%	11.22	%	12.90	%
Tangible common equity to assets	8.48		%	8.52	%	9.72	%
Book value per share	$	12.11		12.11		12.66
Tangible book value per share	$	8.95		8.92		9.21
Closing market price per share	$	12.74		9.20		16.63
Full time equivalent employees	2,421			2,523		2,209
Number of banking offices	170			213		181

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income/(Loss) (Unaudited)

(dollars in thousands, except per share amounts)


	Quarter ended
	December 31, 2020			September 30, 2020		June 30, 2020		March 31, 2020		December 31, 2019

Interest income:
Loans receivable	$	105,681		107,241		103,012		94,973		97,866
Mortgage-backed securities	4,551			4,652		4,038		4,175		4,237
Taxable investment securities	471			427		439		648		683
Tax-free investment securities	656			655		564		185		201
FHLB dividends	192			218		309		262		262
Interest-earning deposits	178			221		185		135		169
Total interest income	111,729			113,414		108,547		100,378		103,418
Interest expense:
Deposits	6,714			8,443		9,336		11,403		12,893
Borrowed funds	2,127			1,437		1,133		1,747		1,580
Total interest expense	8,841			9,880		10,469		13,150		14,473
Net interest income	102,888			103,534		98,078		87,228		88,945
Provision for credit losses	(2,230)			6,818		51,750		27,637		8,223
Net interest income after provision for credit losses	105,118			96,716		46,328		59,591		80,722
Noninterest income:
Gain/(loss) on sale of investments	75			(12)		(8)		181		27
Gain on sale of loans	—			—		—		1,302		908
Service charges and fees	13,074			14,354		13,069		15,116		14,125


Trust and other financial services income	5,722			5,376		4,823		5,001		4,517
Insurance commission income	2,034			2,331		2,395		2,372		1,858
Gain/(loss) on real estate owned, net	114			(32)		(97)		(91)		86
Income from bank-owned life insurance	1,330			1,576		1,248		1,036		1,121
Mortgage banking income	7,120			11,055		12,022		1,194		1,494

Other operating income	2,654			2,022		2,044		1,865		4,077
Total noninterest income	32,123			36,670		35,496		27,976		28,213
Noninterest expense:
Compensation and employee benefits	48,209			47,371		40,049		42,746		42,074
Premises and occupancy costs	7,614			8,342		7,195		7,471		7,051
Office operations	4,009			4,626		3,711		3,382		4,097
Collections expense	893			1,264		644		474		566
Processing expenses	12,186			15,042		11,680		11,142		10,263
Marketing expenses	1,994			2,147		2,047		1,507		1,010
Federal deposit insurance premiums	1,651			1,498		1,618		—		—
Professional services	3,599			3,246		2,825		2,812		3,533
Amortization of intangible assets	1,664			1,781		1,760		1,651		1,634
Real estate owned expense	64			111		89		95		72
Acquisition/branch optimization expense	7,238			1,414		9,679		2,458		1,114

Other expenses	3,728			27		7,866		4,873		5,157
Total noninterest expense	92,849			86,869		89,163		78,611		76,571
Income/(loss) before income taxes	44,392			46,517		(7,339)		8,956		32,364
Income tax expense/(benefit)	9,327			8,467		(1,139)		1,017		6,773
Net income/(loss)	$	35,065		38,050		(6,200)		7,939		25,591

Basic earnings/(loss) per share	$	0.28		0.30		(0.05)		0.08		0.24
Diluted earnings/(loss) per share	$	0.28		0.30		(0.05)		0.07		0.24

Weighted average common shares outstanding - basic	126,713,429			126,855,810		121,480,563		105,882,553		105,627,194
Weighted average common shares outstanding - diluted	126,728,602			126,855,810		121,480,563		106,148,247		106,306,615

Annualized return on average equity	9.00		%	9.82	%	(1.63)	%	2.37	%	7.52	%
Annualized return on average assets	1.01		%	1.09	%	(0.18)	%	0.30	%	0.97	%
Annualized return on tangible common equity **	12.27		%	13.28	%	(2.22)	%	3.28	%	10.32	%

Efficiency ratio *	62.18		%	59.68	%	58.19	%	64.67	%	63.01	%
Annualized noninterest expense to average assets *	2.42		%	2.39	%	2.30	%	2.83	%	2.80	%

* Excludes acquisition/branch optimization expenses and amortization of intangible assets (non-GAAP).

** Excludes goodwill and other intangible assets (non-GAAP).

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income (Unaudited)

(dollars in thousands, except per share amounts)


	Year ended December 31,
	2020			2019
Interest income:
Loans receivable	$	410,907		394,809
Mortgage-backed securities	17,416			16,670
Taxable investment securities	1,985			3,401
Tax-free investment securities	2,060			844
FHLB dividends	981			1,056
Interest-earning deposits	719			600
Total interest income	434,068			417,380
Interest expense:
Deposits	35,896			49,216
Borrowed funds	6,444			7,698
Total interest expense	42,340			56,914
Net interest income	391,728			360,466
Provision for credit losses	83,975			22,659
Net interest income after provision for credit losses	307,753			337,807
Noninterest income:
Gain on sale of investments	236			50
Gain on sale of loans	1,302			1,734
Service charges and fees	55,613			53,065
Trust and other financial services income	20,922			17,765
Insurance commission income	9,132			8,068
Loss on real estate owned, net	(106)			(53)
Income from bank-owned life insurance	5,190			4,418
Mortgage banking income	31,391			3,819

Other operating income	8,585			10,541
Total noninterest income	132,265			99,407
Noninterest expense:
Compensation and employee benefits	178,375			163,086
Premises and occupancy costs	30,622			28,717
Office operations	15,728			14,133
Collections expense	3,275			2,560
Processing expenses	50,050			42,453
Marketing expenses	7,695			6,998
Federal deposit insurance premiums	4,767			685
Professional services	12,482			12,287
Amortization of intangible assets	6,856			6,543
Real estate owned expense	359			478
Acquisition/branch optimization expense	20,789			4,168

Other expenses	16,494			13,995
Total noninterest expense	347,492			296,103
Income before income taxes	92,526			141,111
Income tax expense	17,672			30,679
Net income	$	74,854		110,432

Basic earnings per share	$	0.62		1.05
Diluted earnings per share	$	0.62		1.04

Weighted average common shares outstanding - basic	120,244,474			104,878,774
Weighted average common shares outstanding - diluted	120,244,474			105,839,149

Return on average equity	4.72		%	8.36	%
Return on average assets	0.58		%	1.07	%
Return on tangible common equity **	6.59		%	11.22	%

Efficiency ratio *	61.04		%	62.06	%
Noninterest expense to average assets *	2.48		%	2.76	%

* Excludes acquisition/branch optimization expenses and amortization of intangible assets (non-GAAP).

** Excludes goodwill and other intangible assets (non-GAAP).

Northwest Bancshares, Inc. and Subsidiaries

Reconciliation of Non-GAAP to GAAP Net Income (Unaudited) *

(dollars in thousands, except per share amounts)


	Quarter ended December 31,					Year ended December 31,
	2020			2019		2020		2019
Operating results (non-GAAP):
Net interest income	$	102,888		88,945		391,728		360,466
Provision for credit losses	2,647			8,223		24,198		22,659
Noninterest income	32,123			28,213		132,265		99,407
Noninterest expense	85,611			75,457		328,703		291,935
Income taxes	9,988			7,085		39,670		31,846
Net operating income (non-GAAP)	$	36,765		26,393		131,422		113,433
Diluted earnings per share (non-GAAP)	$	0.29		0.25		1.09		1.07

Average equity	$	1,550,481		1,349,803		1,584,747		1,321,452
Average assets	13,791,854			10,447,710		12,892,120		10,329,017
Annualized return on average equity (non-GAAP)	9.43		%	7.76	%	8.29	%	8.58	%
Annualized return on average assets (non-GAAP)	1.06		%	1.00	%	1.02	%	1.10	%

Reconciliation of net operating income to net income:
Net operating income (non-GAAP)	$	36,765		26,393		131,422		113,433
Non-GAAP adjustments, net of tax:
COVID-related provision **	3,511			—		(29,951)		—
CECL provision impact due to acquisition of MutualBank	—			—		(13,089)		—
PPP deferred origination costs	—			—		3,034		—
COVID-related off balance sheet provision **	—			—		(1,594)		—
Acquisition/branch optimization expense	(5,211)			(802)		(14,968)		(3,001)


Net income (GAAP)	$	35,065		25,591		74,854		110,432
Diluted earnings per share (GAAP)	$	0.28		0.24		0.62		1.04

Annualized return on average equity (GAAP)	9.00		%	7.52	%	4.72	%	8.36	%
Annualized return on average assets (GAAP)	1.01		%	0.97	%	0.58	%	1.07	%

* The table summarizes the Company’s results from operations on a GAAP basis and on an operating (non-GAAP) basis for the periods indicated. Operating results exclude estimated COVID-related provision, CECL provision related to the acquisition of MutualBank, PPP deferred origination costs, estimated COVID-related off balance sheet provision and acquisition/branch optimization expense. The net tax effect was calculated using statutory tax rates of approximately 28.0%. The Company believes this non-GAAP presentation provides a meaningful comparison of operational performance and facilitates a more effective evaluation and comparison of results to assess performance in relation to ongoing operations.

** To arrive at the non-COVID related provision estimates, the Company applied Moody's forecast scenarios prior to the onset of COVID-19 to the Company's loan portfolio at December 31, 2020.

Northwest Bancshares, Inc. and Subsidiaries

Regulatory Capital Requirements (Unaudited)

(dollars in thousands)


	At December 31, 2020
	Actual				Minimum capital requirements (1)				Well capitalized requirements
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total capital (to risk weighted assets)
Northwest Bancshares, Inc.	$	1,654,208	16.641	%	$	1,043,790	10.500	%	$	994,086	10.000	%
Northwest Bank	1,478,320		14.886	%	1,042,751		10.500	%	993,096		10.000	%

Tier 1 capital (to risk weighted assets)
Northwest Bancshares, Inc.	1,406,320		14.147	%	844,973		8.500	%	795,268		8.000	%
Northwest Bank	1,354,027		13.634	%	844,132		8.500	%	794,477		8.000	%

Common equity tier 1 capital (to risk weighted assets)
Northwest Bancshares, Inc.	1,281,515		12.891	%	695,860		7.000	%	646,156		6.500	%
Northwest Bank	1,354,027		13.634	%	695,167		7.000	%	645,513		6.500	%

Tier 1 capital (leverage) (to average assets)
Northwest Bancshares, Inc.	1,406,320		10.145	%	554,501		4.000	%	693,126		5.000	%
Northwest Bank	1,354,027		9.903	%	546,905		4.000	%	683,631		5.000	%

(1) Amounts and ratios include the capital conservation buffer of 2.5%, which does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see "Item 1. Business - Supervision and Regulation" of our 2019 Annual Report on Form 10-K.

Northwest Bancshares, Inc. and Subsidiaries

Marketable Securities (Unaudited)

(dollars in thousands)


	At December 31, 2020
Marketable securities available-for-sale	Amortized cost		Gross unrealized holding gains	Gross unrealized holding losses	Fair value
Debt issued by the U.S. government and agencies:
Due after ten years	$	40,761	211	(55)	40,917

Debt issued by government sponsored enterprises:
Due in less than one year	24,976		159	—	25,135
Due in one year through five years	238		3	—	241
Due in five years through ten years	68,973		238	(80)	69,131




Municipal securities:
Due in less than one year	4,008		14	—	4,022
Due in one year through five years	2,803		63	(2)	2,864
Due in five years through ten years	16,045		429	(5)	16,469
Due after ten years	89,778		3,752	(72)	93,458





Residential mortgage-backed securities:
Fixed rate pass-through	339,406		7,125	(86)	346,445
Variable rate pass-through	14,778		431	(20)	15,189

Fixed rate agency CMOs	723,586		11,758	(1,093)	734,251
Variable rate agency CMOs	50,333		519	(33)	50,819
Total residential mortgage-backed securities	1,128,103		19,833	(1,232)	1,146,704
Total marketable securities available-for-sale	$	1,375,685	24,702	(1,446)	1,398,941

Marketable securities held-to-maturity
Debt issued by the U.S. government and agencies:
Due in five years through ten years	$	67,990	12	(123)	67,879

Residential mortgage-backed securities:
Fixed rate pass-through	22,039		135	—	22,174
Variable rate pass-through	919		30	—	949
Fixed rate agency CMOs	87,335		712	(2)	88,045
Variable rate agency CMOs	604		15	—	619
Total residential mortgage-backed securities	110,897		892	(2)	111,787
Total marketable securities held-to-maturity	$	178,887	904	(125)	179,666

Northwest Bancshares, Inc. and Subsidiaries

Borrowed Funds (Unaudited)

(dollars in thousands)


	At December 31, 2020
	Amount		Average rate
Term notes payable to the Federal Home Loan Bank (FHLB):

Payable to the FHLB of Indianapolis acquired from MutualBank	$	22,054	1.92	%
Total term notes payable to the FHLB	22,054


Collateralized borrowings, due within one year	137,661		0.19	%
Subordinated debentures, net of issuance costs	123,329		4.00	%
Total borrowed funds *	$	283,044

* As of December 31, 2020, the Company had $3.9 billion of additional borrowing capacity available with the Federal Home Loan Bank of Pittsburgh, including a $250.0 million overnight line of credit, which had no balance, as well as $95.4 million of borrowing capacity available with the Federal Reserve Bank and $110.0 million of borrowing capacity with three correspondent banks.

Northwest Bancshares, Inc. and Subsidiaries

Asset Quality (Unaudited)

(dollars in thousands)


	December 31, 2020			September 30, 2020		June 30, 2020		March 31, 2020		December 31, 2019
Nonaccrual loans current:
Residential mortgage loans	$	21		1,128		413		285		72
Home equity loans	154			366		481		592		197

Consumer loans	207			234		214		77		78
Commercial real estate loans	20,317			22,610		30,677		14,337		9,241
Commercial loans	16,027			6,488		6,551		3,514		3,424
Total nonaccrual loans current	$	36,726		30,826		38,336		18,805		13,012
Nonaccrual loans delinquent 30 days to 59 days:
Residential mortgage loans	$	647		60		61		691		674
Home equity loans	338			445		247		159		224

Consumer loans	301			230		335		143		121
Commercial real estate loans	1,416			692		2,372		496		196
Commercial loans	87			57		—		—		55
Total nonaccrual loans delinquent 30 days to 59 days	$	2,789		1,484		3,015		1,489		1,270
Nonaccrual loans delinquent 60 days to 89 days:
Residential mortgage loans	$	767		576		1,013		218		1,048
Home equity loans	190			618		960		539		689

Consumer loans	583			781		666		488		417
Commercial real estate loans	714			2,745		163		2,096		413
Commercial loans	48			15		768		37		341
Total nonaccrual loans delinquent 60 days to 89 days	$	2,302		4,735		3,570		3,378		2,908
Nonaccrual loans delinquent 90 days or more:
Residential mortgage loans	$	14,489		14,750		15,369		10,457		12,682
Home equity loans	8,441			7,845		7,060		5,816		5,635
Consumer loans	5,473			5,352		6,896		3,459		3,610
Commercial real estate loans	25,287			35,496		29,729		25,342		25,014
Commercial loans	7,325			6,310		11,535		16,685		4,739
Total nonaccrual loans delinquent 90 days or more	$	61,015		69,753		70,589		61,759		51,680
Total nonaccrual loans	$	102,832		106,798		115,510		85,431		68,870
Total nonaccrual loans	$	102,832		106,798		115,510		85,431		68,870
Loans 90 days past maturity and still accruing	585			495		77		31		32
Nonperforming loans	103,417			107,293		115,587		85,462		68,902
Real estate owned, net	2,232			2,575		1,897		1,075		950
Nonperforming assets	$	105,649		109,868		117,484		86,537		69,852
Nonaccrual troubled debt restructuring *	$	10,704		17,120		17,562		17,375		9,043
Accruing troubled debt restructuring	21,431			17,684		17,888		15,977		22,956
Total troubled debt restructuring	$	32,135		34,804		35,450		33,352		31,999

Nonperforming loans to total loans	0.98		%	1.00	%	1.06	%	0.97	%	0.78	%
Nonperforming assets to total assets	0.77		%	0.80	%	0.85	%	0.81	%	0.67	%
Allowance for credit losses to total loans	1.27		%	1.30	%	1.29	%	1.05	%	0.66	%
Allowance for total loans excluding PPP loan balance	1.32		%	1.36	%	1.36	%	N/A		N/A
Allowance for credit losses to nonperforming loans	129.99		%	130.68	%	121.63	%	108.70	%	84.09	%

* Amounts included in nonperforming loans above.

Northwest Bancshares, Inc. and Subsidiaries

Loans by Credit Quality Indicators (Unaudited)

(dollars in thousands)


At December 31, 2020	Pass		Special mention*	Substandard**	Doubtful***	Loss	Loans receivable
Personal Banking:
Residential mortgage loans	$	3,042,544	—	25,577	—	—	3,068,121
Home equity loans	1,455,474		—	12,262	—	—	1,467,736
Consumer loans	1,499,004		—	8,989	—	—	1,507,993
Total Personal Banking	5,997,022		—	46,828	—	—	6,043,850
Commercial Banking:
Commercial real estate loans	2,852,705		108,021	385,163	—	—	3,345,889
Commercial loans	1,092,498		41,278	57,334	—	—	1,191,110
Total Commercial Banking	3,945,203		149,299	442,497	—	—	4,536,999
Total loans	$	9,942,225	149,299	489,325	—	—	10,580,849
At September 30, 2020
Personal Banking:
Residential mortgage loans	$	3,117,442	—	25,927	—	—	3,143,369
Home equity loans	1,471,919		—	12,446	—	—	1,484,365
Consumer loans	1,478,109		—	8,974	—	—	1,487,083
Total Personal Banking	6,067,470		—	47,347	—	—	6,114,817
Commercial Banking:
Commercial real estate loans	2,850,611		110,073	359,059	—	—	3,319,743
Commercial loans	1,255,255		40,631	51,406	—	—	1,347,292
Total Commercial Banking	4,105,866		150,704	410,465	—	—	4,667,035
Total loans	$	10,173,336	150,704	457,812	—	—	10,781,852
At June 30, 2020
Personal Banking:
Residential mortgage loans	$	3,196,304	—	26,451	—	—	3,222,755
Home equity loans	1,438,339		—	12,031	—	—	1,450,370
Consumer loans	1,508,129		—	9,990	—	—	1,518,119
Total Personal Banking	6,142,772		—	48,472	—	—	6,191,244
Commercial Banking:
Commercial real estate loans	3,034,984		72,755	199,993	1,092	—	3,308,824
Commercial loans	1,270,279		41,458	42,692	4,290	—	1,358,719
Total Commercial Banking	4,305,263		114,213	242,685	5,382	—	4,667,543
Total loans	$	10,448,035	114,213	291,157	5,382	—	10,858,787
At March 31, 2020
Personal Banking:
Residential mortgage loans	$	2,830,596	—	7,690	—	—	2,838,286
Home equity loans	1,345,052		—	8,211	—	—	1,353,263
Consumer loans	1,174,067		—	3,988	—	—	1,178,055
Total Personal Banking	5,349,715		—	19,889	—	—	5,369,604
Commercial Banking:
Commercial real estate loans	2,537,736		73,967	143,765	—	—	2,755,468
Commercial loans	618,267		43,071	50,464	—	—	711,802
Total Commercial Banking	3,156,003		117,038	194,229	—	—	3,467,270
Total loans	$	8,505,718	117,038	214,118	—	—	8,836,874
At December 31, 2019
Personal Banking:
Residential mortgage loans	$	2,858,582	—	9,545	—	—	2,868,127
Home equity loans	1,336,111		—	6,807	—	—	1,342,918
Consumer loans	1,120,732		—	4,400	—	—	1,125,132
Total Personal Banking	5,315,425		—	20,752	—	—	5,336,177
Commercial Banking:
Commercial real estate loans	2,538,816		80,570	135,004	—	—	2,754,390
Commercial loans	616,983		42,380	58,744	—	—	718,107
Total Commercial Banking	3,155,799		122,950	193,748	—	—	3,472,497
Total loans	$	8,471,224	122,950	214,500	—	—	8,808,674

* Includes $31.3 million, $34.7 million, $37.4 million, $13.1 million, and $10.3 million of acquired loans at December 31, 2020, September 30, 2020, June 30, 2020, March 31, 2020, and December 31, 2019, respectively.

** Includes $153.2 million, $129.2 million, $108.2 million, $56.8 million, and $53.1 million of acquired loans at December 31, 2020, September 30, 2020, June 30, 2020, March 31, 2020, and December 31, 2019, respectively.

*** Includes $1.1 million of acquired loans at June 30, 2020.

Northwest Bancshares, Inc. and Subsidiaries

Loan Delinquency (Unaudited)

(dollars in thousands)


	December 31, 2020			*		September 30, 2020			*		June 30, 2020			*		March 31, 2020			*		December 31, 2019			*
(Number of loans and dollar amount of loans)
Loans delinquent 30 days to 59 days:
Residential mortgage loans	315	$	28,797	0.9	%	17	$	736	—	%	15	$	629	—	%	358	$	32,755	1.2	%	292	$	23,296	0.8	%
Home equity loans	138	4,763		0.3	%	129	4,984		0.3	%	118	4,569		0.3	%	190	7,061		0.5	%	173	6,469		0.5	%
Consumer loans	1,279	10,574		0.7	%	1,078	8,586		0.6	%	629	7,199		0.5	%	953	8,774		0.7	%	960	9,208		0.8	%
Commercial real estate loans	43	10,923		0.3	%	28	5,090		0.2	%	46	14,177		0.4	%	58	12,895		0.5	%	43	7,921		0.3	%
Commercial loans	37	6,405		0.5	%	19	1,797		0.1	%	12	1,242		0.1	%	35	7,545		1.1	%	32	1,187		0.2	%
Total loans delinquent 30 days to 59 days	1,812	$	61,462	0.6	%	1,271	$	21,193	0.2	%	820	$	27,816	0.3	%	1,594	$	69,030	0.8	%	1,500	$	48,081	0.5	%

Loans delinquent 60 days to 89 days:
Residential mortgage loans	84	$	5,083	0.2	%	65	$	4,788	0.2	%	64	$	5,364	0.2	%	11	$	511	—	%	67	$	5,693	0.2	%
Home equity loans	47	1,656		0.1	%	56	1,860		0.1	%	59	2,326		0.2	%	65	2,652		0.2	%	66	2,405		0.2	%
Consumer loans	322	2,742		0.2	%	323	3,049		0.2	%	258	2,916		0.2	%	265	2,610		0.2	%	395	3,302		0.3	%
Commercial real estate loans	11	1,615		—	%	14	4,212		0.1	%	18	3,913		0.1	%	12	2,981		0.1	%	19	1,690		0.1	%
Commercial loans	10	864		0.1	%	7	357		—	%	15	1,151		0.1	%	10	309		—	%	17	6,403		0.9	%
Total loans delinquent 60 days to 89 days	474	$	11,960	0.1	%	465	$	14,266	0.1	%	414	$	15,670	0.1	%	363	$	9,063	0.1	%	564	$	19,493	0.2	%

Loans delinquent 90 days or more: **
Residential mortgage loans	168	$	14,489	0.5	%	168	$	14,750	0.5	%	185	$	15,369	0.5	%	129	$	10,457	0.4	%	141	$	12,775	0.4	%
Home equity loans	207	8,441		0.6	%	193	7,845		0.5	%	182	7,060		0.5	%	152	5,816		0.4	%	159	5,688		0.4	%
Consumer loans	720	6,058		0.4	%	696	5,847		0.4	%	709	6,896		0.5	%	445	3,459		0.3	%	590	3,611		0.3	%
Commercial real estate loans	119	25,287		0.8	%	136	35,496		1.1	%	149	29,729		0.9	%	139	25,342		0.9	%	129	25,014		0.9	%
Commercial loans	37	7,325		0.6	%	34	6,310		0.5	%	47	11,535		0.8	%	51	16,685		0.2	%	37	4,739		0.7	%
Total loans delinquent 90 days or more	1,251	$	61,600	0.6	%	1,227	$	70,248	0.7	%	1,272	$	70,589	0.7	%	916	$	61,759	0.7	%	1,056	$	51,827	0.6	%

Total loans delinquent	3,537	$	135,022	1.3	%	2,963	$	105,707	1.0	%	2,506	$	114,075	1.1	%	2,873	$	139,852	1.6	%	3,120	$	119,401	1.4	%

* Represents delinquency, in dollars, divided by the respective total amount of that type of loan outstanding.

** Includes purchased credit deteriorated loans of $6.6 million, $20.3 million, $18.0 million, and $298,000 at December 31, 2020, September 30, 2020, June 30, 2020, March 31, 2020, respectively, and purchased credit impaired loans of $147,000 at December 31, 2019.

Northwest Bancshares, Inc. and Subsidiaries

Analysis of Loan Portfolio by Loan Sector (Unaudited)

(dollars in thousands)

Loans outstanding

The following table provides delinquency information for various loan sectors in our portfolio that are potentially vulnerable to the COVID-19 pandemic impacts at December 31, 2020:


At December 31, 2020	30-59 days delinquent		*		60-89 days delinquent		*		90 days or greater delinquent		*		Total delinquent		*		Current		*		Total loans receivable		*
Restaurants/bars	$	417	—	%	$	276	—	%	$	754	—	%	$	1,447	—	%	$	91,703	0.9	%	$	93,150	0.9	%
Hotels/hospitality	—		—	%	—		—	%	1,074		—	%	1,074		—	%	177,016		1.7	%	178,090		1.7	%
Gyms and fitness	—		—	%	—		—	%	—		—	%	—		—	%	4,113		—	%	4,113		—	%
Transportation	33		—	%	43		—	%	431		—	%	507		—	%	72,786		0.7	%	73,293		0.7	%
Oil and gas	—		—	%	—		—	%	7		—	%	7		—	%	10,083		0.1	%	10,090		0.1	%
Residential care facilities	—		—	%	—		—	%	500		—	%	500		—	%	246,221		2.3	%	246,721		2.3	%
Retail buildings	1,072		—	%	—		—	%	520		—	%	1,592		—	%	443,275		4.2	%	444,867		4.2	%
Education/student housing	—		—	%	—		—	%	1,872		—	%	1,872		—	%	139,790		1.3	%	141,662		1.3	%
Construction/development:
Education/student housing	—		—	%	—		—	%	—		—	%	—		—	%	51,675		0.5	%	51,675		0.5	%
Hotels/hospitality	—		—	%	—		—	%	—		—	%	—		—	%	25,633		0.2	%	25,633		0.2	%
Residential care facilities	—		—	%	—		—	%	—		—	%	—		—	%	37,604		0.4	%	37,604		0.4	%
All other construction/development	268		—	%	—		—	%	5,465		0.1	%	5,733		0.1	%	183,947		1.7	%	189,680		1.8	%
All other sectors	59,672		0.6	%	11,641		0.1	%	50,977		0.5	%	122,290		1.2	%	8,961,981		84.7	%	9,084,271		85.9	%
Total loans	$	61,462	0.6	%	$	11,960	0.1	%	$	61,600	0.6	%	$	135,022	1.3	%	$	10,445,827	98.7	%	$	10,580,849	100.0	%

* Percent of total loans outstanding.

Loan deferrals

The following table represents loans that entered into and are currently in a deferment offered by the Company to aid customers in the COVID-19 pandemic as of December 31, 2020. Of these loan deferrals, 257 borrowers applied for and received PPP loans totaling approximately $39.9 million:


	Balance as of September 30, 2020					Loans returned to full payment status, net of payments			New loans entered into first deferral	Balance as of December 31, 2020
	Number of loans	Outstanding principal balance		*		Number of loans	Outstanding principal balance				Number of loans	Outstanding principal balance		Number of loans	Outstanding principal balance			*
Residential mortgage loans	111	$	15,967	0.5	%	90	$	12,914			22	$	3,389	43	$	6,442		0.2	%
Home equity loans	48	3,639		0.2	%	37	2,536				30	1,512		41	2,615			0.2	%
Consumer loans	123	2,348		0.2	%	102	1,950				62	901		83	1,299			0.1	%
Commercial real estate loans	94	183,661		5.5	%	71	68,855				11	3,406		34	118,212			3.5	%
Commercial loans	28	7,085		0.5	%	14	6,071				8	318		22	1,332			0.1	%
Total loans	404	$	212,700	2.0	%	314	$	92,326			133	$	9,526	223	$	129,900	**	1.2	%

* Percent of total loans outstanding by the respective total amount of that type of loan.

** As of December 31, 2020, first loan deferrals totaled $9.5 million, second loan deferrals totaled $67.5 million, and third loan deferrals totaled $52.9 million. $91.9 million of loan deferrals expire in Q1 2021 and $38.0 million of loan deferrals expire in Q2 2021. In addition, of the $129.9 million total loan deferrals, $108.7 million are in the hospitality industry.

Northwest Bancshares, Inc. and Subsidiaries

Allowance for Credit Losses (Unaudited)

(dollars in thousands)


	Quarter ended
	December 31, 2020			September 30, 2020		June 30, 2020		March 31, 2020		December 31, 2019
Beginning balance	$	140,209		140,586		92,897		57,941		52,859
CECL adoption	—			—		—		10,792		—
Initial allowance on loans purchased with credit deterioration	—			—		8,845		—		—
Provision	(2,230)			6,818		51,750		27,637		8,223
Charge-offs residential mortgage	(407)			(129)		(38)		(343)		(222)
Charge-offs home equity	(58)			(88)		(173)		(289)		(113)
Charge-offs consumer	(2,623)			(3,356)		(3,191)		(3,488)		(3,142)
Charge-offs commercial real estate	(2,770)			(532)		(690)		(331)		(107)
Charge-offs commercial	(156)			(4,892)		(10,349)		(815)		(1,143)
Recoveries	2,462			1,802		1,535		1,793		1,586
Ending balance	$	134,427		140,209		140,586		92,897		57,941
Net charge-offs to average loans, annualized	0.13		%	0.27	%	0.51	%	0.16	%	0.14	%


	Year ended December 31,
	2020			2019
Beginning balance	$	57,941		55,214
CECL adoption	10,792			—
Initial allowance on loans purchased with credit deterioration	8,845			—
Provision	83,975			22,659
Charge-offs residential mortgage	(917)			(1,166)
Charge-offs home equity	(608)			(1,121)
Charge-offs consumer	(12,658)			(11,807)
Charge-offs commercial real estate	(4,323)			(5,467)
Charge-offs commercial	(16,212)			(6,651)
Recoveries	7,592			6,280
Ending balance	$	134,427		57,941
Net charge-offs to average loans	0.27		%	0.23	%


	December 31, 2020
	Originated loans			Acquired loans		Total loans
	Balance		Reserve	Balance	Reserve	Balance	Reserve
Residential mortgage loans	$	2,753,593	6,049	314,528	1,217	3,068,121	7,266
Home equity loans	1,175,703		4,579	292,033	1,413	1,467,736	5,992
Consumer loans	1,283,106		14,949	224,887	2,747	1,507,993	17,696
Personal Banking Loans	5,212,402		25,577	831,448	5,377	6,043,850	30,954
Commercial real estate loans	2,567,124		70,707	778,765	19,192	3,345,889	89,899
Commercial loans	1,019,482		6,590	171,628	6,984	1,191,110	13,574
Commercial Banking Loans	3,586,606		77,297	950,393	26,176	4,536,999	103,473
Total Loans	$	8,799,008	102,874	1,781,841	31,553	10,580,849	134,427

Northwest Bancshares, Inc. and Subsidiaries

Average Balance Sheet (Unaudited)

(dollars in thousands)

The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages.


	Quarter ended
	December 31, 2020					September 30, 2020					June 30, 2020					March 31, 2020					December 31, 2019
	Average balance		Interest	Avg. yield/ cost (h)		Average balance		Interest	Avg. yield/ cost (h)		Average balance		Interest	Avg. yield/ cost (h)		Average balance		Interest	Avg. yield/ cost (h)		Average balance		Interest	Avg. yield/ cost (h)
Assets:
Interest-earning assets:
Residential mortgage loans	$	3,089,916	27,503	3.56	%	$	3,176,436	28,769	3.62	%	$	3,092,392	29,019	3.75	%	$	2,845,483	28,062	3.94	%	$	2,847,932	28,011	3.93	%
Home equity loans	1,472,527		13,535	3.66	%	1,479,429		13,732	3.69	%	1,415,091		13,806	3.92	%	1,345,059		14,801	4.43	%	1,333,748		15,354	4.57	%
Consumer loans	1,444,860		15,874	4.37	%	1,437,828		15,851	4.39	%	1,375,130		14,993	4.39	%	1,123,336		12,160	4.35	%	1,073,565		12,016	4.44	%
Commercial real estate loans	3,317,418		37,965	4.48	%	3,306,386		36,887	4.37	%	3,156,749		34,595	4.34	%	2,747,419		31,437	4.53	%	2,741,687		32,985	4.71	%
Commercial loans	1,325,047		11,414	3.37	%	1,377,223		12,603	3.58	%	1,161,228		11,269	3.84	%	712,621		8,856	4.92	%	717,438		9,841	5.37	%
Total loans receivable (a) (b) (d)	10,649,768		106,291	3.97	%	10,777,302		107,842	3.98	%	10,200,590		103,682	4.09	%	8,773,918		95,316	4.37	%	8,714,370		98,207	4.47	%
Mortgage-backed securities (c)	1,166,739		4,551	1.56	%	1,004,803		4,651	1.85	%	714,657		4,038	2.26	%	668,470		4,175	2.50	%	667,910		4,237	2.54	%
Investment securities (c) (d)	252,898		1,380	2.18	%	216,081		1,336	2.47	%	170,309		1,244	2.92	%	144,152		881	2.44	%	151,289		938	2.48	%
FHLB stock, at cost	23,346		192	3.27	%	25,595		218	3.39	%	22,192		309	5.60	%	15,931		262	6.61	%	13,400		262	7.76	%
Other interest-earning deposits	632,494		178	0.11	%	791,601		221	0.11	%	623,870		185	0.12	%	34,697		135	1.54	%	31,624		169	2.09	%
Total interest-earning assets	12,725,245		112,592	3.52	%	12,815,382		114,268	3.55	%	11,731,618		109,458	3.75	%	9,637,168		100,769	4.21	%	9,578,593		103,813	4.30	%
Noninterest-earning assets (e)	1,066,609					1,088,273					1,858,513					960,303					869,117
Total assets	$	13,791,854				$	13,903,655				$	13,590,131				$	10,597,471				$	10,447,710
Liabilities and shareholders’ equity:
Interest-bearing liabilities:
Savings deposits	$	2,028,155	617	0.12	%	$	2,015,604	648	0.13	%	$	1,884,202	648	0.14	%	$	1,611,111	727	0.18	%	$	1,615,996	792	0.19	%
Interest-bearing demand deposits	2,699,515		476	0.07	%	2,680,591		763	0.11	%	2,428,060		812	0.13	%	1,915,871		1,307	0.27	%	1,769,623		1,570	0.35	%
Money market deposit accounts	2,426,513		960	0.16	%	2,347,097		1,347	0.23	%	2,204,810		1,600	0.29	%	1,921,243		3,088	0.65	%	1,845,535		3,226	0.69	%
Time deposits	1,676,094		4,660	1.11	%	1,782,350		5,685	1.27	%	1,761,260		6,276	1.43	%	1,528,891		6,281	1.65	%	1,607,992		7,305	1.80	%
Borrowed funds (f)	352,392		1,469	1.66	%	420,715		717	0.68	%	371,700		296	0.32	%	240,118		709	1.19	%	177,670		444	0.99	%
Junior subordinated debentures	128,752		659	2.00	%	128,658		720	2.19	%	127,472		837	2.60	%	121,809		1,038	3.37	%	121,796		1,136	3.65	%
Total interest-bearing liabilities	9,311,421		8,841	0.38	%	9,375,015		9,880	0.42	%	8,777,504		10,469	0.48	%	7,339,043		13,150	0.72	%	7,138,612		14,473	0.80	%
Noninterest-bearing demand deposits (g)	2,675,986					2,703,266					2,401,368					1,640,180					1,800,861
Noninterest-bearing liabilities	253,966					284,440					882,391					268,139					158,434
Total liabilities	12,241,373					12,362,721					12,061,263					9,247,362					9,097,907
Shareholders’ equity	1,550,481					1,540,934					1,528,868					1,350,109					1,349,803
Total liabilities and shareholders’ equity	$	13,791,854				$	13,903,655				$	13,590,131				$	10,597,471				$	10,447,710
Net interest income/Interest rate spread			103,751	3.14	%			104,388	3.13	%			98,989	3.27	%			87,619	3.48	%			89,340	3.50	%
Net interest-earning assets/Net interest margin	$	3,413,824		3.26	%	$	3,440,367		3.26	%	$	2,954,114		3.38	%	$	2,298,125		3.66	%	$	2,439,981		3.73	%
Ratio of interest-earning assets to interest-bearing liabilities	1.37X					1.37X					1.34X					1.31X					1.34X

(a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status.

(b) Interest income includes accretion/amortization of deferred loan fees/expenses, which was not material.

(d) Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent ("FTE") basis.

(e) Average balances include the effect of unrealized gains or losses on securities held as available-for-sale.

(f) Average balances include FHLB borrowings, collateralized borrowings, and subordinated debt.

(g) Average cost of deposits were 0.23%, 0.29%, 0.35%, 0.53%, and 0.59%, respectively.

(h) Shown on a FTE basis. GAAP basis yields for the periods indicated were — Loans: 3.94%, 3.96%, 4.06%, 4.35%, and 4.46%, respectively, Investment securities: 1.78%, 2.00%, 2.36%, 2.31%, and 2.34%, respectively, Interest-earning assets: 3.48%, 3.52%, 3.72%, 4.19%, and 4.28%, respectively. GAAP basis net interest rate spreads were 3.11%, 3.10%, 3.24%, 3.47%, and 3.48%, respectively, and GAAP basis net interest margins were 3.23%, 3.23%, 3.34%, 3.64%, and 3.71%, respectively.

Northwest Bancshares, Inc. and Subsidiaries

Average Balance Sheet (Unaudited)

(dollars in thousands)


	Year ended December 31,
	2020					2019
	Average balance		Interest	Avg. yield/ cost (h)		Average balance		Interest	Avg. yield/ cost (h)
Assets:
Interest-earning assets:
Residential mortgage loans	$	3,051,582	113,353	3.71	%	$	2,860,765	115,583	4.04	%
Home equity loans	1,436,632		55,875	3.89	%	1,308,908		64,222	4.91	%
Consumer loans	1,338,120		58,878	4.40	%	980,623		44,859	4.57	%
Commercial real estate loans	3,132,976		140,883	4.42	%	2,725,792		132,915	4.81	%
Commercial loans	1,145,143		44,142	3.79	%	678,866		38,565	5.60	%
Loans receivable (a) (b) (d)	10,104,453		413,131	4.09	%	8,554,954		396,144	4.63	%
Mortgage-backed securities (c)	889,744		17,416	1.96	%	639,764		16,670	2.61	%
Investment securities (c) (d)	196,071		4,841	2.47	%	205,757		4,470	2.17	%
FHLB stock, at cost	21,781		981	4.50	%	14,477		1,056	7.29	%
Other interest-earning deposits	520,666		719	0.14	%	23,305		600	2.54	%
Total interest-earning assets	11,732,715		437,088	3.73	%	9,438,257		418,940	4.44	%
Noninterest-earning assets (e)	1,159,405					890,760
Total assets	$	12,892,120				$	10,329,017
Liabilities and shareholders’ equity:
Interest-bearing liabilities:
Savings deposits	$	1,885,517	2,640	0.14	%	$	1,655,495	3,115	0.19	%
Interest-bearing demand deposits	2,432,427		3,358	0.14	%	1,651,393		6,012	0.36	%
Money market deposit accounts	2,224,904		6,995	0.31	%	1,778,661		13,010	0.73	%
Time deposits	1,687,381		22,903	1.36	%	1,555,726		27,079	1.74	%
Borrowed funds (f)	346,442		3,190	0.92	%	206,458		2,865	1.39	%
Junior subordinated debentures	126,683		3,254	2.53	%	120,012		4,833	3.97	%
Total interest-bearing liabilities	8,703,354		42,340	0.49	%	6,967,745		56,914	0.82	%
Noninterest-bearing demand deposits (g)	2,357,725					1,835,622
Noninterest-bearing liabilities	246,294					204,198
Total liabilities	11,307,373					9,007,565
Shareholders’ equity	1,584,747					1,321,452
Total liabilities and shareholders’ equity	$	12,892,120				$	10,329,017
Net interest income/Interest rate spread			394,748	3.24	%			362,026	3.62	%
Net interest-earning assets/Net interest margin	$	3,029,361		3.36	%	$	2,470,512		3.84	%
Ratio of interest-earning assets to interest-bearing liabilities	1.35X					1.35X

(a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status.

(b) Interest income includes accretion/amortization of deferred loan fees/expenses, which was not material.

(d) Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent basis.

(e) Average balances include the effect of unrealized gains or losses on securities held as available-for-sale.

(f) Average balances include FHLB borrowings, collateralized borrowings, and subordinated debt.

(g) Average cost of deposits were 0.34% and 0.58%, respectively.

(h) Shown on a FTE basis. GAAP basis yields for the periods indicated were — Loans: 4.07% and 4.61%, respectively, Investment securities: 2.06% and 2.06%, respectively, Interest-earning assets: 3.70% and 4.42%, respectively. GAAP basis net interest rate spreads were 3.21% and 3.61%, respectively, and GAAP basis net interest margins were 3.34% and 3.82%, respectively.

EX-101.SCH 3 nwbi-20210125.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0001001 - Document - Cover Page Document link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 4 nwbi-20210125_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT EX-101.DEF 5 nwbi-20210125_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT EX-101.LAB 6 nwbi-20210125_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Document Type Document Type Entity Address, Postal Zip Code Entity Address, Postal Zip Code Local Phone Number Local Phone Number Amendment Flag Amendment Flag Written Communications Written Communications City Area Code City Area Code Title of 12(b) Security Title of 12(b) Security Entity Address, State or Province Entity Address, State or Province Security Exchange Name Security Exchange Name Soliciting Material Soliciting Material Document Period End Date Document Period End Date Cover page. [Abstract] Cover page. [Abstract] Cover page. [Abstract] Entity Address, City or Town Entity Address, City or Town Entity Tax Identification Number Entity Tax Identification Number Pre-commencement Issuer Tender Offer Pre-commencement Issuer Tender Offer Pre-commencement Tender Offer Pre-commencement Tender Offer Entity Address, Address Line One Entity Address, Address Line One Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Emerging Growth Company Entity Emerging Growth Company Entity Registrant Name Entity Registrant Name Entity File Number Entity File Number Entity Central Index Key Entity Central Index Key Trading Symbol Trading Symbol EX-101.PRE 7 nwbi-20210125_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 8 nwbi-20210125_htm.xml IDEA: XBRL DOCUMENT 0001471265 2021-01-25 2021-01-25 0001471265 false 8-K 2021-01-25 Northwest Bancshares, Inc. MD 001-34582 27-0950358 100 Liberty Street Warren PA 16365 814 726-2140 Common Stock, 0.01 Par Value NWBI NASDAQ false false false false false XML 9 R1.htm IDEA: XBRL DOCUMENT

Cover Page Document	Jan. 25, 2021
Cover page. [Abstract]
Document Type	8-K
Document Period End Date	Jan. 25, 2021
Entity Registrant Name	Northwest Bancshares, Inc.
Entity Incorporation, State or Country Code	MD
Entity File Number	001-34582
Entity Tax Identification Number	27-0950358
Entity Address, Address Line One	100 Liberty Street
Entity Address, City or Town	Warren
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	16365
City Area Code	814
Local Phone Number	726-2140
Title of 12(b) Security	Common Stock, 0.01 Par Value
Trading Symbol	NWBI
Security Exchange Name	NASDAQ
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0001471265
Amendment Flag	false

EXCEL 10 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 11 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 12 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 13 FilingSummary.xml IDEA: XBRL DOCUMENT 3.20.4 html 1 96 1 false 0 0 false 0 false false R1.htm 0001001 - Document - Cover Page Document Sheet http://www.northwestsavingsbank.com/role/CoverPageDocument Cover Page Document Cover 1 false false All Reports Book All Reports nwbi-20210125.htm ng2020-12x31nwbi8ker.htm nwbi-20210125.xsd nwbi-20210125_cal.xml nwbi-20210125_def.xml nwbi-20210125_lab.xml nwbi-20210125_pre.xml http://xbrl.sec.gov/dei/2020-01-31 true true JSON 15 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "nwbi-20210125.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "calculationLink": { "local": [ "nwbi-20210125_cal.xml" ] }, "definitionLink": { "local": [ "nwbi-20210125_def.xml" ] }, "inline": { "local": [ "nwbi-20210125.htm" ] }, "labelLink": { "local": [ "nwbi-20210125_lab.xml" ], "remote": [ "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml" ] }, "presentationLink": { "local": [ "nwbi-20210125_pre.xml" ] }, "referenceLink": { "remote": [ "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml" ] }, "schema": { "local": [ "nwbi-20210125.xsd" ], "remote": [ "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd" ] } }, "elementCount": 23, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2020-01-31": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 96, "memberCustom": 0, "memberStandard": 0, "nsprefix": "nwbi", "nsuri": "http://www.northwestsavingsbank.com/20210125", "report": { "R1": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "nwbi-20210125.htm", "contextRef": "ie9c4bc7564294e83a7a38adc9130ccba_D20210125-20210125", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "0001001 - Document - Cover Page Document", "role": "http://www.northwestsavingsbank.com/role/CoverPageDocument", "shortName": "Cover Page Document", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "nwbi-20210125.htm", "contextRef": "ie9c4bc7564294e83a7a38adc9130ccba_D20210125-20210125", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One", "terseLabel": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town", "terseLabel": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code", "terseLabel": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province", "terseLabel": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code", "terseLabel": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer", "terseLabel": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer", "terseLabel": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security", "terseLabel": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material", "terseLabel": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications", "terseLabel": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "nwbi_Coverpage.Abstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page. [Abstract]", "label": "Cover page. [Abstract]", "terseLabel": "Cover page. [Abstract]" } } }, "localname": "Coverpage.Abstract", "nsuri": "http://www.northwestsavingsbank.com/20210125", "xbrltype": "stringItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 16 0001471265-21-000002-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001471265-21-000002-xbrl.zip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end