0001471265-21-000058.txt : 20210426 0001471265-21-000058.hdr.sgml : 20210426 20210426090501 ACCESSION NUMBER: 0001471265-21-000058 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210426 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210426 DATE AS OF CHANGE: 20210426 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: 21851901 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-20210426.htm 8-K nwbi-20210426
0001471265false00014712652021-04-262021-04-26


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):   April 26, 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 StreetWarrenPennsylvania 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 classTrading symbol(s)Name of each exchange on which registered
Common Stock, 0.01 Par ValueNWBINASDAQ 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 April 26, 2021, Northwest Bancshares, Inc. issued an earnings release for the quarter ended March 31, 2021.  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
 
(c)                                  Not applicable
 
(d)                                 Exhibits
 
Exhibit No. Description
   
 Press release dated April 26, 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:April 26, 2021 By:/s/ William W. Harvey, Jr.
  William W. Harvey, Jr.
  Chief Financial Officer


 EX-99.1 2 a2021-03x31nwbi8ker.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 First Quarter 2021 Earnings and Quarterly Dividend Increase
 
Warren, Pennsylvania — April 26, 2021
 
Northwest Bancshares, Inc. (the "Company") (NasdaqGS: NWBI) announced net income for the quarter ended March 31, 2021 of $40.2 million, or $0.32 per diluted share. This represents an increase of $32.3 million compared to the same quarter last year when net income was $7.9 million, or $0.07 per diluted share. The annualized returns on average shareholders’ equity and average assets for the quarter ended March 31, 2021 were 10.61% and 1.17% compared to 2.37% and 0.30% for the same quarter last year.

The Company also announced that its Board of Directors increased the quarterly cash dividend by 5.3% to $0.20 per share payable on May 17, 2021 to shareholders of record as of May 6, 2021.  This is the 106th consecutive quarter in which the Company has paid a cash dividend. Based on the market value of the Company's common stock as of March 31, 2021, this represents an annualized dividend yield of approximately 5.5%.
 
In making this announcement, Ronald J. Seiffert, Chairman, President and CEO, noted, "We are extremely pleased with the current quarter results beginning once again with strong fee income led by our mortgage banking operations. We are also delighted to report that our credit loss provision decreased significantly from prior year and prior quarter as we continue to see economic forecasts improve. From a credit quality perspective, delinquencies continue to be well maintained while payment deferrals on loans declined to just $53.8 million, or 0.5% of the loan portfolio, at March 31, 2021 as compared to $129.9 million at December 31, 2020. Despite the increase in nonperforming loans, or loans for which the accrual of interest has ceased, by $120.7 million during the quarter, classified loans declined from the December quarter by $21.6 million, or 4.4%, indicating that these potential problem loans had already previously been identified and an adequate reserve has already been allocated."

Mr. Seiffert continued, "During the first quarter, we also announced the divestiture of our insurance business to a very qualified and compassionate buyer in USI Insurance Services. As we assessed this business line for the past several years, it became clear that we were not going to be able to scale this business line in a meaningful way and that our resources and capital are better spent on our core banking businesses. The sale is expected to close during the second quarter."

Net interest income increased by $13.2 million, or 15.2%, to $100.5 million for the quarter ended March 31, 2021, from $87.2 million for the quarter ended March 31, 2020, largely due to a $7.3 million, or 7.7%, increase in interest income on loans receivable. This increase in interest income on loans was mainly due to an increase of $1.633 billion, or 18.6%, in the average balance of loans, primarily as a result of the acquisition of MutualBank during the second quarter of 2020. Also contributing to this increase in net interest income was a decrease of $5.9 million, or 51.6%, in interest expense on deposits due to a decline in market interest rates when compared to the prior year, resulting in a decrease in the cost of our interest-bearing liabilities to 0.33% for the quarter ended March 31, 2021 from 0.72% for the quarter ended March 31, 2020. Despite the overall increase in net interest income, net interest margin decreased to 3.18% for the quarter ended March 31, 2021 from 3.66% for the same quarter last year as interest earning asset yields decreased to 3.42% for the quarter ended March 31, 2021 from 4.21% for the quarter ended March 31, 2020. Contributing to the overall decline in average asset yield was the increase in average cash balances of $766.4 million, earning just 0.09%, due to deposit growth associated with Payroll Protection Program ("PPP") loan funds and consumer stimulus checks, as well as the overall decrease in market interest rates beginning with the decrease in the targeted federal funds rate of 1.25% by the Federal Reserve in March of 2020.

 The provision for credit losses decreased by $33.3 million due to a current period credit of $5.6 million for the quarter ended March 31, 2021, compared to a provision expense of $27.6 million for the quarter ended March 31, 2020 because of a release in the allowance for credit losses due to continued improvements in economic forecasts. Total classified loans increased by $253.6 million to $467.7 million, or 4.51% of total loans, at March 31, 2021 from $214.1 million, or 2.42% of total loans, as of March 31, 2020. This increase was primarily due to the downgrade of commercial loans in certain industries impacted by COVID-19.
1

     
Noninterest income increased by $4.0 million, or 14.2%, to $32.0 million for the quarter ended March 31, 2021, from $28.0 million for the quarter ended March 31, 2020.  This increase was primarily due to the increase in mortgage banking income of $4.8 million to $6.0 million for the quarter ended March 31, 2021 from $1.2 million for the quarter ended March 31, 2020. This increase was due to continued efforts to expand our secondary market sales capabilities over the last year, as well as an interest rate environment conducive to refinance activity and attractive secondary market pricing. In addition, trust and other financial services income increased $1.5 million, or 29.7%, as a result of additional fee income from the MutualBank acquisition. Slightly offsetting these increases was a decrease in service charges and fees of $2.7 million, or 18.0%, due to the impact of the Durbin amendment on our interchange fees which came into effect in the second half of 2020.
     
Noninterest expense increased by $7.6 million, or 9.6%, to $86.2 million for the quarter ended March 31, 2021, from $78.6 million for the quarter ended March 31, 2020. This increase resulted primarily from an increase of $4.5 million, or 10.5%, in compensation and employee benefits due primarily to the addition of MutualBank employees during the second quarter of 2020. Also contributing to this increase was an increase of $2.3 million, or 20.8%, in processing expenses as we continue to invest in technology and infrastructure and as activity-driven utilization fees for online and mobile banking has increased. Professional services expense increased $1.8 million, or 62.9%, due to the utilization of third-party experts to recruit talent and assist with our digital strategy rollout. Premises and occupancy costs increased $1.3 million, or 18.0%, over the prior year due primarily to additional snow removal costs. Lastly, Federal Deposit Insurance Corporation ("FDIC") insurance premiums increased $1.3 million due to assessment credits received in the previous year.

The provision for income taxes increased by $10.6 million to $11.6 million for the quarter ended March 31, 2021, from $1.0 million for the quarter ended March 31, 2020 due to higher income before income taxes.

Northwest Bancshares, Inc. is the holding company of Northwest Bank, which is headquartered in Warren, Pennsylvania. Founded in 1896, Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, as well as employee benefits and wealth management services. As of March 31, 2021, Northwest operated 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; (7) increased risk associated with commercial real-estate and business loans; and (8) the effect of any pandemic, including COVID-19, war or act of terrorism.  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.
2

Northwest Bancshares, Inc. and Subsidiaries
Consolidated Statements of Financial Condition (Unaudited)
(dollars in thousands, except per share amounts)
March 31,
2021		December 31,
2020		March 31,
2020
Assets  
Cash and cash equivalents$979,290 736,277 276,454 
Marketable securities available-for-sale (amortized cost of $1,430,352, $1,375,685 and $749,703, respectively)1,430,131 1,398,941 765,579 
Marketable securities held-to-maturity (fair value of $593,232, $179,666 and $17,968, respectively)604,284 178,887 17,208 
Total cash and cash equivalents and marketable securities3,013,705 2,314,105 1,059,241 
Residential mortgage loans held-for-sale46,270 58,786 6,426 
Residential mortgage loans2,925,408 3,009,335 2,831,860 
Home equity loans1,407,524 1,467,736 1,353,263 
Consumer loans1,554,355 1,507,993 1,178,055 
Commercial real estate loans3,289,436 3,345,889 2,755,468 
Commercial loans1,145,047 1,191,110 711,802 
Total loans receivable10,368,040 10,580,849 8,836,874 
Allowance for credit losses(123,997)(134,427)(92,897)
Loans receivable, net10,244,043 10,446,422 8,743,977 
FHLB stock, at cost21,861 21,748 13,131 
Accrued interest receivable28,732 35,554 25,531 
Real estate owned, net1,738 2,232 1,075 
Premises and equipment, net158,784 161,538 147,427 
Bank-owned life insurance252,599 253,951 190,127 
Goodwill382,356 382,279 346,103 
Other intangible assets, net18,342 19,936 21,425 
Other assets148,196 168,503 133,159 
Total assets$14,270,356 13,806,268 10,681,196 
Liabilities and shareholders’ equity  
Liabilities  
Noninterest-bearing demand deposits$3,000,019 2,716,224 1,736,622 
Interest-bearing demand deposits2,826,461 2,755,950 1,975,830 
Money market deposit accounts2,521,881 2,437,539 1,946,113 
Savings deposits2,229,214 2,047,424 1,640,414 
Time deposits1,535,519 1,642,096 1,493,756 
Total deposits12,113,094 11,599,233 8,792,735 
Borrowed funds253,617 283,044 191,599 
Junior subordinated debentures128,859 128,794 121,813 
Advances by borrowers for taxes and insurance44,024 45,230 47,154 
Accrued interest payable659 2,054 834 
Other liabilities189,109 209,210 185,269 
Total liabilities12,729,362 12,267,565 9,339,404 
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, 127,222,648, 127,019,452, and 106,933,483 shares issued and outstanding, respectively
1,272 1,270 1,069 
Additional paid-in capital1,018,822 1,015,502 808,250 
Retained earnings571,612 555,480 561,380 
Accumulated other comprehensive loss(50,712)(33,549)(28,907)
Total shareholders’ equity1,540,994 1,538,703 1,341,792 
Total liabilities and shareholders’ equity$14,270,356 13,806,268 10,681,196 
Equity to assets10.80 %11.14 %12.56 %
Tangible common equity to assets*8.22 %8.48 %9.45 %
Book value per share$12.11 12.11 12.55 
Tangible book value per share*$8.96 8.95 9.11 
Closing market price per share$14.45 12.74 11.57 
Full time equivalent employees2,443 2,421 2,223 
Number of banking offices170 170 178 
* Excludes goodwill and other intangible assets (non-GAAP).
3

Northwest Bancshares, Inc. and Subsidiaries
Consolidated Statements of Income/(Loss) (Unaudited)
(dollars in thousands, except per share amounts)
 Quarter ended
 March 31,
2021		December 31,
2020		September 30,
2020		June 30,
2020		March 31,
2020
 
Interest income:    
Loans receivable$102,318 105,681 107,241 103,012 94,973 
Mortgage-backed securities4,200 4,551 4,652 4,038 4,175 
Taxable investment securities634 471 427 439 648 
Tax-free investment securities575 656 655 564 185 
FHLB stock dividends116 192 218 309 262 
Interest-earning deposits183 178 221 185 135 
Total interest income108,026 111,729 113,414 108,547 100,378 
Interest expense:    
Deposits5,514 6,714 8,443 9,336 11,403 
Borrowed funds2,054 2,127 1,437 1,133 1,747 
Total interest expense7,568 8,841 9,880 10,469 13,150 
Net interest income100,458 102,888 103,534 98,078 87,228 
   Provision for credit losses(5,620)(2,230)6,818 51,750 27,637 
Net interest income after provision for credit losses106,078 105,118 96,716 46,328 59,591 
Noninterest income: 
Gain/(loss) on sale of investments(21)75 (12)(8)181 
Gain on sale of loans— — — — 1,302 
Service charges and fees12,394 13,074 14,354 13,069 15,116 
Trust and other financial services income6,484 5,722 5,376 4,823 5,001 
Insurance commission income2,546 2,034 2,331 2,395 2,372 
Gain/(loss) on real estate owned, net(42)114 (32)(97)(91)
Income from bank-owned life insurance1,736 1,330 1,576 1,248 1,036 
Mortgage banking income6,020 7,120 11,055 12,022 1,194 
Other operating income2,836 2,654 2,022 2,044 1,865 
Total noninterest income31,953 32,123 36,670 35,496 27,976 
Noninterest expense: 
Compensation and employee benefits47,239 48,209 47,371 40,049 42,746 
Premises and occupancy costs8,814 7,614 8,342 7,195 7,471 
Office operations3,165 4,009 4,626 3,711 3,382 
Collections expense616 893 1,264 644 474 
Processing expenses13,456 12,186 15,042 11,680 11,142 
Marketing expenses1,980 1,994 2,147 2,047 1,507 
Federal deposit insurance premiums1,307 1,651 1,498 1,618 — 
Professional services4,582 3,599 3,246 2,825 2,812 
Amortization of intangible assets1,594 1,664 1,781 1,760 1,651 
Real estate owned expense75 64 111 89 95 
Merger/asset disposition expense9 7,238 1,414 9,679 2,458 
Other expenses3,354 3,728 27 7,866 4,873 
Total noninterest expense86,191 92,849 86,869 89,163 78,611 
Income/(loss) before income taxes51,840 44,392 46,517 (7,339)8,956 
Income tax expense/(benefit)11,603 9,327 8,467 (1,139)1,017 
Net income/(loss)$40,237 35,065 38,050 (6,200)7,939 
Basic earnings/(loss) per share$0.32 0.28 0.30 (0.05)0.08 
Diluted earnings/(loss) per share$0.32 0.28 0.30 (0.05)0.07 
Weighted average common shares outstanding - basic126,182,409 126,713,429 126,855,810 121,480,563 105,882,553 
Weighted average common shares outstanding - diluted126,700,024 126,728,602 126,855,810 121,480,563 106,148,247 
Annualized return on average equity10.61 %9.00 %9.82 %(1.63)%2.37 %
Annualized return on average assets1.17 %1.01 %1.09 %(0.18)%0.30 %
Annualized return on tangible common equity **14.31 %12.27 %13.28 %(2.22)%3.28 %
Efficiency ratio *63.88 %62.18 %59.68 %58.19 %64.67 %
Annualized noninterest expense to average assets *2.45 %2.42 %2.39 %2.30 %2.83 %
*    Excludes merger/asset disposition expenses and amortization of intangible assets (non-GAAP).
** Excludes goodwill and other intangible assets (non-GAAP).
4

Northwest Bancshares, Inc. and Subsidiaries
Asset Quality (Unaudited)
(dollars in thousands)
 March 31,
2021		December 31,
2020		September 30,
2020		June 30,
2020		March 31,
2020
Nonaccrual loans current:     
Residential mortgage loans$164 21 1,128 413 285 
Home equity loans268 154 366 481 592 
Consumer loans225 207 234 214 77 
Commercial real estate loans146,304 20,317 22,610 30,677 14,337 
Commercial loans6,361 16,027 6,488 6,551 3,514 
Total nonaccrual loans current$153,322 36,726 30,826 38,336 18,805 
Nonaccrual loans delinquent 30 days to 59 days:   
Residential mortgage loans$1,261 647 60 61 691 
Home equity loans340 338 445 247 159 
Consumer loans254 301 230 335 143 
Commercial real estate loans965 1,416 692 2,372 496 
Commercial loans1,538 87 57 — — 
Total nonaccrual loans delinquent 30 days to 59 days$4,358 2,789 1,484 3,015 1,489 
Nonaccrual loans delinquent 60 days to 89 days:     
Residential mortgage loans$813 767 576 1,013 218 
Home equity loans417 190 618 960 539 
Consumer loans649 583 781 666 488 
Commercial real estate loans1,877 714 2,745 163 2,096 
Commercial loans7,919 48 15 768 37 
Total nonaccrual loans delinquent 60 days to 89 days$11,675 2,302 4,735 3,570 3,378 
Nonaccrual loans delinquent 90 days or more:     
Residential mortgage loans$9,333 14,489 14,750 15,369 10,457 
Home equity loans7,044 8,441 7,845 7,060 5,816 
Consumer loans3,625 5,473 5,352 6,896 3,459 
Commercial real estate loans29,737 25,287 35,496 29,729 25,342 
Commercial loans4,860 7,325 6,310 11,535 16,685 
Total nonaccrual loans delinquent 90 days or more$54,599 61,015 69,753 70,589 61,759 
Total nonaccrual loans$223,954 102,832 106,798 115,510 85,431 
Total nonaccrual loans$223,954 102,832 106,798 115,510 85,431 
Loans 90 days past due and still accruing197 585 495 77 31 
Nonperforming loans224,151 103,417 107,293 115,587 85,462 
Real estate owned, net1,738 2,232 2,575 1,897 1,075 
Nonperforming assets$225,889 105,649 109,868 117,484 86,537 
Nonaccrual troubled debt restructuring *$7,390 10,704 17,120 17,562 17,375 
Accruing troubled debt restructuring20,120 21,431 17,684 17,888 15,977 
Total troubled debt restructuring$27,510 32,135 34,804 35,450 33,352 
Nonperforming loans to total loans2.16 %0.98 %1.00 %1.06 %0.97 %
Nonperforming assets to total assets1.58 %0.77 %0.80 %0.85 %0.81 %
Allowance for credit losses to total loans1.20 %1.27 %1.30 %1.29 %1.05 %
Allowance for total loans excluding PPP loan balances1.24 %1.32 %1.36 %1.36 %N/A
Allowance for credit losses to nonperforming loans55.32 %129.99 %130.68 %121.63 %108.70 %
*    Amounts included in nonperforming loans above.
5

Northwest Bancshares, Inc. and Subsidiaries
Loans by Credit Quality Indicators (Unaudited)
(dollars in thousands)
At March 31, 2021PassSpecial
   mention *		Substandard
**		Doubtful
***		LossLoans
receivable
Personal Banking:      
Residential mortgage loans$2,950,103 — 21,575 — — 2,971,678 
Home equity loans1,396,757 — 10,767 — — 1,407,524 
Consumer loans1,547,502 — 6,853 — — 1,554,355 
Total Personal Banking5,894,362 — 39,195 — — 5,933,557 
Commercial Banking:      
Commercial real estate loans2,801,082 120,345 368,009 — — 3,289,436 
Commercial loans1,061,884 22,623 60,540 — — 1,145,047 
Total Commercial Banking3,862,966 142,968 428,549 — — 4,434,483 
Total loans$9,757,328 142,968 467,744 — — 10,368,040 
At December 31, 2020
Personal Banking:      
Residential mortgage loans$3,042,544 — 25,577 — — 3,068,121 
Home equity loans1,455,474 — 12,262 — — 1,467,736 
Consumer loans1,499,004 — 8,989 — — 1,507,993 
Total Personal Banking5,997,022 — 46,828 — — 6,043,850 
Commercial Banking:      
Commercial real estate loans2,852,705 108,021 385,163 — — 3,345,889 
Commercial loans1,092,498 41,278 57,334 — — 1,191,110 
Total Commercial Banking3,945,203 149,299 442,497 — — 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 loans1,471,919 — 12,446 — — 1,484,365 
Consumer loans1,478,109 — 8,974 — — 1,487,083 
Total Personal Banking6,067,470 — 47,347 — — 6,114,817 
Commercial Banking:      
Commercial real estate loans2,850,611 110,073 359,059 — — 3,319,743 
Commercial loans1,255,255 40,631 51,406 — — 1,347,292 
Total Commercial Banking4,105,866 150,704 410,465 — — 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 loans1,438,339 — 12,031 — — 1,450,370 
Consumer loans1,508,129 — 9,990 — — 1,518,119 
Total Personal Banking6,142,772 — 48,472 — — 6,191,244 
Commercial Banking:      
Commercial real estate loans3,034,984 72,755 199,993 1,092 — 3,308,824 
Commercial loans1,270,279 41,458 42,692 4,290 — 1,358,719 
Total Commercial Banking4,305,263 114,213 242,685 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 loans1,345,052 — 8,211 — — 1,353,263 
Consumer loans1,174,067 — 3,988 — — 1,178,055 
Total Personal Banking5,349,715 — 19,889 — — 5,369,604 
Commercial Banking:      
Commercial real estate loans2,537,736 73,967 143,765 — — 2,755,468 
Commercial loans618,267 43,071 50,464 — — 711,802 
Total Commercial Banking3,156,003 117,038 194,229 — — 3,467,270 
Total loans$8,505,718 117,038 214,118 — — 8,836,874 
* Includes $26.4 million, $31.3 million, $34.7 million, $37.4 million, and $13.1 million of acquired loans at March 31, 2021, December 31, 2020, September 30, 2020, June 30, 2020, and March 31, 2020, respectively.
**    Includes $143.2 million, $153.2 million, $129.2 million, $108.2 million, and $56.8 million of acquired loans at March 31, 2021, December 31, 2020, September 30, 2020, June 30, 2020, and March 31, 2020, respectively.
***     Includes $1.1 million of acquired loans at June 30, 2020.
6

Northwest Bancshares, Inc. and Subsidiaries
Loan Delinquency (Unaudited)
(dollars in thousands)
March 31,
2021		*December 31,
2020		*September 30,
2020		*June 30,
2020		*March 31,
2020		*
(Number of loans and dollar amount of loans)               
Loans delinquent 30 days to 59 days:  
Residential mortgage loans248 $22,236 0.7 %315 $28,797 0.9 %17 $736 — %15 $629 — %358 $32,755 1.2 %
Home equity loans84 3,334 0.2 %138 4,763 0.3 %129 4,984 0.3 %118 4,569 0.3 %190 7,061 0.5 %
Consumer loans535 5,732 0.4 %1,279 10,574 0.7 %1,078 8,586 0.6 %629 7,199 0.5 %953 8,774 0.7 %
Commercial real estate loans33 12,240 0.4 %43 10,923 0.3 %28 5,090 0.2 %46 14,177 0.4 %58 12,895 0.5 %
Commercial loans16 3,032 0.3 %37 6,405 0.5 %19 1,797 0.1 %12 1,242 0.1 %35 7,545 1.1 %
Total loans delinquent 30 days to 59 days916 $46,574 0.4 %1,812 $61,462 0.6 %1,271 $21,193 0.2 %820 $27,816 0.3 %1,594 $69,030 0.8 %
Loans delinquent 60 days to 89 days:             
Residential mortgage loans26 $2,062 0.1 %84 $5,083 0.2 %65 $4,788 0.2 %64 $5,364 0.2 %11 $511 — %
Home equity loans31 953 0.1 %47 1,656 0.1 %56 1,860 0.1 %59 2,326 0.2 %65 2,652 0.2 %
Consumer loans169 1,868 0.1 %322 2,742 0.2 %323 3,049 0.2 %258 2,916 0.2 %265 2,610 0.2 %
Commercial real estate loans14 7,609 0.2 %11 1,615 — %14 4,212 0.1 %18 3,913 0.1 %12 2,981 0.1 %
Commercial loans12 8,979 0.8 %10 864 0.1 %7 357 — %15 1,151 0.1 %10 309 — %
Total loans delinquent 60 days to 89 days252 $21,471 0.2 %474 $11,960 0.1 %465 $14,266 0.1 %414 $15,670 0.1 %363 $9,063 0.1 %
Loans delinquent 90 days or more: **               
Residential mortgage loans121 $9,333 0.3 %168 $14,489 0.5 %168 $14,750 0.5 %185 $15,369 0.5 %129 $10,457 0.4 %
Home equity loans176 7,044 0.5 %207 8,441 0.6 %193 7,845 0.5 %182 7,060 0.5 %152 5,816 0.4 %
Consumer loans454 3,822 0.2 %720 6,058 0.4 %696 5,847 0.4 %709 6,896 0.5 %445 3,459 0.3 %
Commercial real estate loans113 29,737 0.9 %119 25,287 0.8 %136 35,496 1.1 %149 29,729 0.9 %139 25,342 0.9 %
Commercial loans31 4,860 0.4 %37 7,325 0.6 %34 6,310 0.5 %47 11,535 0.8 %51 16,685 0.2 %
Total loans delinquent 90 days or more895 $54,796 0.5 %1,251 $61,600 0.6 %1,227 $70,248 0.7 %1,272 $70,589 0.7 %916 $61,759 0.7 %
Total loans delinquent2,063 $122,841 1.2 %3,537 $135,022 1.3 %2,963 $105,707 1.0 %2,506 $114,075 1.1 %2,873 $139,852 1.6 %
*    Represents delinquency, in dollars, divided by the respective total amount of that type of loan outstanding.
**    Includes purchased credit deteriorated loans of $12.7 million, $6.6 million, $20.3 million, $18.0 million, and $298,000 at March 31, 2021, December 31, 2020, September 30, 2020, June 30, 2020, and March 31, 2020, respectively.

7

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 March 31, 2021:
At March 31, 2021
30-59 days
delinquent		*60-89 days
delinquent		*90 days
or greater
delinquent		*Total
delinquent		*Current*Total
loans
 receivable 		*
Restaurants/bars$310 — %$355 — %$759 — %$1,424 — %$103,097 1.0 %$104,521 1.0 %
Hotels/hospitality4,285 — %367 — %7,963 0.1 %12,615 0.1 %166,694 1.6 %179,309 1.7 %
Gyms and fitness— — %— — %— — %— — %4,590 — %4,590 — %
Transportation275 — %14 — %296 — %585 — %70,994 0.7 %71,579 0.7 %
Oil and gas— — %— — %— — %— — %9,200 0.1 %9,200 0.1 %
Residential care facilities1,250 — %— — %— — %1,250 — %246,561 2.4 %247,811 2.4 %
Retail buildings1,692 — %— — %938 — %2,630 — %445,102 4.3 %447,732 4.3 %
Education/student housing— — %1,389 — %441 — %1,830 — %138,536 1.3 %140,366 1.4 %
Construction/development:
   Education/student housing— — %— — %— — %— — %53,903 0.5 %53,903 0.5 %
   Hotels/hospitality— — %— — %— — %— — %25,639 0.2 %25,639 0.2 %
   Residential care facilities3,450 — %— — %— — %3,450 — %30,144 0.3 %33,594 0.3 %
   All other construction/development319 — %804 — %4,193 — %5,316 0.1 %178,109 1.7 %183,425 1.8 %
All other sectors34,993 0.3 %18,542 0.2 %40,206 0.4 %93,741 0.9 %8,772,630 84.6 %8,866,371 85.5 %
   Total loans$46,574 0.4 %$21,471 0.2 %$54,796 0.5 %$122,841 1.2 %$10,245,199 98.8 %$10,368,040 100.0 %
* 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 March 31, 2021.
Balance as of
December 31, 2020
Loans returned to full payment status, net of paymentsNew loans entered into
a deferral
Balance as of
March 31, 2021
Number of loans Outstanding principal balance*Number of loansOutstanding principal balanceNumber of loansOutstanding principal balanceNumber of loansOutstanding principal balance*
Residential mortgage loans43$6,442 0.2 %42 $6,119 29 $4,484 30 $4,807 0.2 %
Home equity loans412,615 0.2 %40 2,560 21 1,096 22 1,151 0.1 %
Consumer loans831,299 0.1 %83 1,299 21 546 21 546 — %
Commercial real estate loans34118,212 3.5 %29 80,666 20 6,068 25 43,614 1.3 %
Commercial loans221,332 0.1 %21 1,301 59 3,633 60 3,664 0.3 %
   Total loans223$129,900 1.2 %215 $91,945 150 $15,827 158 $53,782  **0.5 %
* Percent of total loans outstanding by the respective total amount of that type of loan.
** As of March 31, 2021, $53.6 million of loan deferrals expire in Q2 2021 and $150,000 of loan deferrals expire in Q3 2021. Of the $53.8 total loan deferrals, $37.1 million are in the hospitality industry.
8

Northwest Bancshares, Inc. and Subsidiaries
Allowance for Credit Losses (Unaudited)
(dollars in thousands)
Quarter ended
 March 31,
2021		December 31,
2020		September 30,
2020		June 30,
2020		March 31,
2020
Beginning balance$134,427 140,209 140,586 92,897 57,941 
CECL adoption— — — — 10,792 
Initial allowance on loans purchased with credit deterioration— — — 8,845 — 
Provision(5,620)(2,230)6,818 51,750 27,637 
Charge-offs residential mortgage(855)(407)(129)(38)(343)
Charge-offs home equity(228)(58)(88)(173)(289)
Charge-offs consumer(2,603)(2,623)(3,356)(3,191)(3,488)
Charge-offs commercial real estate(4,626)(2,770)(532)(690)(331)
Charge-offs commercial(54)(156)(4,892)(10,349)(815)
Recoveries3,556 2,462 1,802 1,535 1,793 
Ending balance$123,997 134,427 140,209 140,586 92,897 
Net charge-offs to average loans, annualized0.19 %0.13 %0.27 %0.51 %0.16 %
March 31, 2021
Originated loansAcquired loansTotal loans
BalanceReserveBalanceReserveBalanceReserve
Residential mortgage loans$2,693,075 5,117 278,603 744 2,971,678 5,861 
Home equity loans1,138,718 3,984 268,806 1,257 1,407,524 5,241 
Consumer loans1,351,401 15,026 202,954 2,425 1,554,355 17,451 
Personal Banking Loans5,183,194 24,127 750,363 4,426 5,933,557 28,553 
Commercial real estate loans2,568,567 60,874 720,869 16,085 3,289,436 76,959 
Commercial loans1,011,722 10,571 133,325 7,914 1,145,047 18,485 
Commercial Banking Loans3,580,289 71,445 854,194 23,999 4,434,483 95,444 
Total Loans$8,763,483 95,572 1,604,557 28,425 10,368,040 123,997 

9

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 
March 31, 2021December 31, 2020September 30, 2020June 30, 2020March 31, 2020
Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)
Assets:              
Interest-earning assets:              
Residential mortgage loans$3,007,439 26,366 3.51 %$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 %
Home equity loans1,432,009 12,815 3.63 %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 %
Consumer loans1,463,284 14,566 4.04 %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 %
Commercial real estate loans3,313,892 38,471 4.64 %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 %
Commercial loans1,189,812 10,566 3.55 %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 %
Total loans receivable (a) (b) (d)10,406,436 102,784 4.01 %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 %
Mortgage-backed securities (c)1,324,558 4,200 1.27 %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 %
Investment securities (c) (d)331,358 1,381 1.67 %252,898 1,380 2.18 %216,081 1,336 2.47 %170,309 1,244 2.92 %144,152 881 2.44 %
FHLB stock, at cost21,811 116 2.17 %23,346 192 3.27 %25,595 218 3.39 %22,192 309 5.60 %15,931 262 6.61 %
Other interest-earning deposits801,119 183 0.09 %632,494 178 0.11 %791,601 221 0.11 %623,870 185 0.12 %34,697 135 1.54 %
Total interest-earning assets12,885,282 108,664 3.42 %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 %
Noninterest-earning assets (e)1,102,477 1,066,609 1,088,273 1,858,513 960,303 
Total assets$13,987,759   $13,791,854 $13,903,655 $13,590,131 $10,597,471 
Liabilities and shareholders’ equity:            
Interest-bearing liabilities:               
Savings deposits$2,118,030 625 0.12 %$2,028,155 617 0.12 %$2,015,604 648 0.13 %$1,884,202 648 0.14 %$1,611,111 727 0.18 %
Interest-bearing demand deposits2,783,429 429 0.06 %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 %
Money market deposit accounts2,497,495 657 0.11 %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 %
Time deposits1,583,525 3,803 0.97 %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 %
Borrowed funds (f)267,163 1,412 2.14 %352,392 1,469 1.66 %420,715 717 0.68 %371,700 296 0.32 %240,118 709 1.19 %
Junior subordinated debentures128,817 642 1.99 %128,752 659 2.00 %128,658 720 2.19 %127,472 837 2.60 %121,809 1,038 3.37 %
Total interest-bearing liabilities9,378,459 7,568 0.33 %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 %
Noninterest-bearing demand deposits (g)2,805,206 2,675,986 2,703,266 2,401,368 1,640,180 
Noninterest-bearing liabilities265,667 253,966 284,440 882,391 268,139 
Total liabilities12,449,332   12,241,373 12,362,721 12,061,263   9,247,362   
Shareholders’ equity1,538,427 1,550,481 1,540,934 1,528,868 1,350,109 
Total liabilities and shareholders’ equity$13,987,759   $13,791,854 $13,903,655 $13,590,131   $10,597,471   
Net interest income/Interest rate spread 101,096 3.09 %103,751 3.14 %104,388 3.13 % 98,989 3.27 %87,619 3.48 %
Net interest-earning assets/Net interest margin$3,506,823  3.18 %$3,413,824 3.26 %$3,440,367 3.26 %$2,954,114  3.38 %$2,298,125 3.66 %
Ratio of interest-earning assets to interest-bearing liabilities1.37X  1.37X1.37X1.34X  1.31X
(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.
(c)    Average balances do not include the effect of unrealized gains or losses on securities held as available-for-sale.
(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 0.19%, 0.23%, 0.29%, 0.35%, and 0.53%, respectively.
(h)    Shown on a FTE basis. GAAP basis yields for the periods indicated were: Loans - 3.99%, 3.94%, 3.96%, 4.06%, and 4.35%, respectively, Investment securities - 1.46%, 1.78%, 2.00%, 2.36%, and 2.31%, respectively, Interest-earning assets - 3.40%, 3.48%, 3.52%, 3.72%, and 4.19%, respectively. GAAP basis net interest rate spreads were 3.07%, 3.11%, 3.10%, 3.24%, and 3.47%, respectively, and GAAP basis net interest margins were 3.16%, 3.23%, 3.23%, 3.34%, and 3.64%, respectively.
10
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