10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 10-Q

(Mark One)

x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2015

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from                      to                     

Commission File Number 000-08467

WESBANCO, INC.

(Exact name of Registrant as specified in its charter)

WEST VIRGINIA	55-0571723
(State of incorporation)	(IRS Employer Identification No.)
1 Bank Plaza, Wheeling, WV	26003
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: 304-234-9000

NOT APPLICABLE

(Former name, former address and former fiscal year, if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  þ    No  ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes  þ    No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	þ	Accelerated filer	¨
Non-accelerated filer	¨  (Do not check if a smaller reporting company)	Smaller reporting company	¨

Indicate by check mark whether the registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act).    Yes  ¨    No  þ

As of July 23, 2015, there were 38,527,670 shares of WesBanco, Inc. common stock, $2.0833 par value, outstanding.

WESBANCO, INC.

TABLE OF CONTENTS

Item No.	ITEM	Page No.
	PART I - FINANCIAL INFORMATION
1	Financial Statements
	Consolidated Balance Sheets at June 30, 2015 (unaudited) and December 31, 2014		3
	Consolidated Statements of Comprehensive Income for the three and six months ended June  30, 2015 and 2014 (unaudited)		4
	Consolidated Statements of Changes in Shareholders’ Equity for the six months ended June  30, 2015 and 2014 (unaudited)		5
	Consolidated Statements of Cash Flows for the six months ended June 30, 2015 and 2014 (unaudited)		6
	Notes to Consolidated Financial Statements (unaudited)		7
2	Management’s Discussion and Analysis of Financial Condition and Results of Operations		29
3	Quantitative and Qualitative Disclosures About Market Risk		49
4	Controls and Procedures		51
	PART II - OTHER INFORMATION
1	Legal Proceedings		52
2	Unregistered Sales of Equity Securities and Use of Proceeds		53
6	Exhibits		54
	Signatures		55

PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

WESBANCO, INC. CONSOLIDATED BALANCE SHEETS

(unaudited, in thousands, except shares)	June 30, 2015			December 31, 2014
ASSETS
Cash and due from banks, including interest bearing amounts of $20,402 and $8,405, respectively	$	108,738		$	94,002
Securities:
Available-for-sale, at fair value		1,594,658			917,424
Held-to-maturity (fair values of $864,226 and $619,617, respectively)		848,416			593,670
Total securities		2,443,074			1,511,094
Loans held for sale		11,160			5,865
Portfolio loans, net of unearned income		4,933,645			4,086,766
Allowance for loan losses		(43,419	)		(44,654	)
Net portfolio loans		4,890,226			4,042,112
Premises and equipment, net		111,692			93,135
Accrued interest receivable		24,739			18,481
Goodwill and other intangible assets, net		492,997			319,506
Bank-owned life insurance		154,980			123,298
Other assets		137,813			89,072
Total Assets	$	8,375,419		$	6,296,565
LIABILITIES
Deposits:
Non-interest bearing demand	$	1,257,932		$	1,061,075
Interest bearing demand		1,156,949			885,037
Money market		989,888			954,957
Savings deposits		1,075,711			842,818
Certificates of deposit		1,778,565			1,305,096
Total deposits		6,259,045			5,048,983
Federal Home Loan Bank borrowings		781,332			223,126
Other short-term borrowings		73,868			80,690
Junior subordinated debt owed to unconsolidated subsidiary trusts		106,196			106,176
Total borrowings		961,396			409,992
Accrued interest payable		2,542			1,620
Other liabilities		57,783			47,780
Total Liabilities		7,280,766			5,508,375
SHAREHOLDERS’ EQUITY
Preferred stock, no par value; 1,000,000 shares authorized; none outstanding		—			—
Common stock, $2.0833 par value; 100,000,000 and 50,000,000 shares authorized in 2015 and 2014, respectively; 38,546,042 and 29,367,511 issued in 2015 and 2014, respectively; outstanding: 38,519,170 and 29,298,188 shares in 2015 and 2014, respectively		80,304			61,182
Capital surplus		516,990			244,661
Retained earnings		522,388			504,578
Treasury stock (26,872 and 69,323 shares in 2015 and 2014, respectively, at cost)		(867	)		(2,151	)
Accumulated other comprehensive loss		(21,702	)		(18,825	)
Deferred benefits for directors		(2,460	)		(1,255	)
Total Shareholders’ Equity		1,094,653			788,190
Total Liabilities and Shareholders’ Equity	$	8,375,419		$	6,296,565

See Notes to Consolidated Financial Statements.

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WESBANCO, INC. CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

	For the Three Months Ended June 30,					For the Six Months Ended June 30,
(unaudited, in thousands, except shares and per share amounts)	2015		2014			2015		2014
INTEREST AND DIVIDEND INCOME
Loans, including fees	$	52,316	$	42,546		$	100,036	$	85,291
Interest and dividends on securities:
Taxable		10,043		7,452			18,542		14,676
Tax-exempt		4,052		3,435			7,585		6,821
Total interest and dividends on securities		14,095		10,887			26,127		21,497
Other interest income		318		611			954		713
Total interest and dividend income		66,729		54,044			127,117		107,501
INTEREST EXPENSE
Interest bearing demand deposits		485		395			907		768
Money market deposits		490		466			945		907
Savings deposits		163		133			311		263
Certificates of deposit		2,869		3,422			5,741		7,052
Total interest expense on deposits		4,007		4,416			7,904		8,990
Federal Home Loan Bank borrowings		949		175			1,507		386
Other short-term borrowings		92		350			165		907
Junior subordinated debt owed to unconsolidated subsidiary trusts		888		796			1,784		1,587
Total interest expense		5,936		5,737			11,360		11,870
NET INTEREST INCOME		60,793		48,307			115,757		95,631
Provision for credit losses		2,681		849			3,970		3,048
Net interest income after provision for credit losses		58,112		47,458			111,787		92,583
NON-INTEREST INCOME
Trust fees		5,476		5,210			11,529		10,858
Service charges on deposits		4,249		4,078			7,918		7,937
Electronic banking fees		3,496		3,267			6,821		6,281
Net securities brokerage revenue		1,842		2,003			3,901		3,832
Bank-owned life insurance		989		1,821			2,244		2,695
Net gains on sales of mortgage loans		407		475			679		628
Net securities gains		—		165			22		175
Net gain / (loss) on other real estate owned and other assets		152		(165	)		185		(52	)
Other income		1,461		1,387			2,955		2,936
Total non-interest income		18,072		18,241			36,254		35,290
NON-INTEREST EXPENSE
Salaries and wages		19,300		16,904			37,636		33,370
Employee benefits		6,807		5,529			14,123		11,238
Net occupancy		3,243		2,857			6,765		6,348
Equipment		3,017		2,914			5,958		5,698
Marketing		1,715		1,713			2,707		2,716
FDIC insurance		1,040		880			1,950		1,757
Amortization of intangible assets		944		482			1,510		977
Restructuring and merger-related expense		1,115		—			10,848		—
Other operating expenses		9,408		9,025			18,550		18,294
Total non-interest expense		46,589		40,304			100,047		80,398
Income before provision for income taxes		29,595		25,395			47,994		47,475
Provision for income taxes		7,962		6,520			12,482		12,179
NET INCOME	$	21,633	$	18,875		$	35,512	$	35,296
EARNINGS PER COMMON SHARE
Basic	$	0.56	$	0.65		$	0.97	$	1.21
Diluted	$	0.56	$	0.64		$	0.97	$	1.20
AVERAGE COMMON SHARES OUTSTANDING
Basic		38,472,229		29,242,180			36,443,951		29,212,347
Diluted		38,531,700		29,321,927			36,504,671		29,293,424
DIVIDENDS DECLARED PER COMMON SHARE	$	0.23	$	0.22		$	0.46	$	0.44
COMPREHENSIVE INCOME	$	13,547	$	22,943		$	32,635	$	42,637

See Notes to Consolidated Financial Statements.

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WESBANCO, INC. CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

For the Six Months Ended June 30, 2015 and 2014

	Common Stock														Accumulated Other			Deferred
(unaudited, in thousands, except shares and per share amounts)	Shares Outstanding			Amount		Capital Surplus			Retained Earnings			Treasury Stock			Comprehensive Income (Loss)			Benefits for Directors			Total
December 31, 2014		29,298,188		$	61,182	$	244,661		$	504,578		$	(2,151	)	$	(18,825	)	$	(1,255	)	$	788,190
Net income		—			—		—			35,512			—			—			—			35,512
Other comprehensive income		—			—		—			—			—			(2,877	)		—			(2,877	)
Comprehensive income		—			—		—			—			—			—			—			32,635
Common dividends declared ($0.46 per share)		—			—		—			(17,702	)		—			—			—			(17,702	)
Shares issued for acquisition		9,178,531			19,122		274,507			—			—			—			—			293,629
Treasury shares acquired		(50,224	)		—		—			—			(1,638	)		—			—			(1,638	)
Stock options exercised		44,125			—		(223	)		—			1,396			—			—			1,173
Restricted stock granted		48,550			—		(1,526	)		—			1,526			—			—			—
Repurchase of stock warrant		—			—		(2,247	)		—			—			—			—			(2,247	)
Stock compensation expense		—			—		613			—			—			—			—			613
Deferred benefits for directors- net		—			—		1,205			—			—			—			(1,205	)		—
June 30, 2015		38,519,170		$	80,304	$	516,990		$	522,388		$	(867	)	$	(21,702	)	$	(2,460	)	$	1,094,653
December 31, 2013		29,175,236		$	61,182	$	244,974		$	460,351		$	(5,969	)	$	(12,734	)	$	(1,209	)	$	746,595
Net income		—			—		—			35,296			—			—			—			35,296
Other comprehensive income		—			—		—			—			—			7,341			—			7,341
Comprehensive income		—			—		—			—			—			—			—			42,637
Common dividends declared ($0.44 per share)		—			—		—			(12,861	)		—			—			—			(12,861	)
Treasury shares acquired		(2,258	)		—		49			—			(69	)		—			—			(20	)
Stock options exercised		63,393			—		(311	)		—			1,969			—			—			1,658
Restricted stock granted		42,554			—		(1,321	)		—			1,321			—			—			—
Stock compensation expense		—			—		616			—			—			—			—			616
Deferred benefits for directors- net		—			—		22			—			—			—			(22	)		—
June 30, 2014		29,278,925		$	61,182	$	244,029		$	482,786		$	(2,748	)	$	(5,393	)	$	(1,231	)	$	778,625

See Notes to Consolidated Financial Statements.

5

WESBANCO, INC. CONSOLIDATED STATEMENTS OF CASH FLOWS

	For the Six Months Ended June 30,
(unaudited, in thousands)	2015			2014
NET CASH PROVIDED BY OPERATING ACTIVITIES	$	34,541		$	41,380
INVESTING ACTIVITIES
Net increase in loans		(156,166	)		(55,683	)
Securities available-for-sale:
Proceeds from sales		560,736			3,491
Proceeds from maturities, prepayments and calls		121,699			117,595
Purchases of securities		(430,858	)		(182,501	)
Securities held-to-maturity:
Proceeds from maturities, prepayments and calls		26,021			18,982
Purchases of securities		(173,754	)		(29,704	)
Proceeds from bank-owned life insurance		1,185			—
Cash paid to acquire a business, net of cash acquired		(28,551	)		—
Purchases of premises and equipment – net		(4,835	)		(2,659	)
Net cash used in investing activities		(84,523	)		(130,479	)
FINANCING ACTIVITIES
(Decrease) increase in deposits		(35,196	)		55,248
Proceeds from Federal Home Loan Bank borrowings		675,000			115,532
Repayment of Federal Home Loan Bank borrowings		(509,029	)		(16,368	)
Decrease in other short-term borrowings		(11,822	)		(35,609	)
Decrease in federal funds purchased		—			(20,000	)
Repayment of junior subordinated debt		(36,083	)		—
Repurchase of common stock warrant		(2,247	)		—
Dividends paid to common shareholders		(15,291	)		(12,256	)
Treasury shares (purchased) sold - net		(614	)		1,489
Net cash provided by financing activities		64,718			88,036
Net increase (decrease) in cash and cash equivalents		14,736			(1,063	)
Cash and cash equivalents at beginning of the period		94,002			95,551
Cash and cash equivalents at end of the period	$	108,738		$	94,488
SUPPLEMENTAL DISCLOSURES
Interest paid on deposits and other borrowings	$	12,288		$	12,532
Income taxes paid		5,070			7,850
Transfers of loans to other real estate owned		751			1,610
Non-cash transactions related to ESB acquisition		301,933			—

See Notes to Consolidated Financial Statements.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation — The accompanying unaudited interim financial statements of WesBanco, Inc. and its consolidated subsidiaries (“WesBanco”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2014.

WesBanco’s interim financial statements have been prepared following the significant accounting policies disclosed in Note 1 of the Notes to the Consolidated Financial Statements of its 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission. In the opinion of management, the accompanying interim financial information reflects all adjustments, including normal recurring adjustments, necessary to present fairly WesBanco’s financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year.

Recent accounting pronouncements — In May 2015, the Financial Accounting Standards Board (the “FASB”) issued an Accounting Standards Update (“ASU”) (ASU 2015-07) related to disclosures for investments in certain entities that calculate net asset value (NAV) per share (or its equivalent). This update removes the requirement to categorize within the fair value hierarchy all investments for which fair value is measured using the net asset value per share practical expedient and modifies certain disclosure requirements. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2015, and requires retrospective adoption. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In April 2015, the FASB issued ASU 2015-05 that provides guidance on when to account for a cloud computing arrangement as a software license. The guidance applies only to internal-use software that a customer obtains access to in a hosting arrangement if both of the following criteria are met: (1) The customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty, (2) it is feasible for the customer to either run the software on its own hardware or contract with another party unrelated to the vendor to host the software. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In February 2015, the FASB issued ASU 2015-02 that revised the consolidation model, requiring reporting entities to reevaluate whether they should consolidate certain legal entities under the revised model. The amendments in this update modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities, and eliminate the presumption that a general partner should consolidate and affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships. The pronouncement also provides for a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In August 2014, the FASB issued ASU 2014-14 related to the classification of certain government-guaranteed mortgage loans upon foreclosure. The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) The loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based upon the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014 and may be adopted under either a modified retrospective transition method or a prospective transition method. However, the same method of transition as elected under ASU 2014-04 must be applied. While early adoption was permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

        In June 2014, the FASB issued ASU 2014-11 related to repurchase-to-maturity transactions, repurchase financing and disclosures. The pronouncement changes the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The pronouncement also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. While early adoption was not permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. Early adoption was not permitted. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

In May 2014, the FASB issued ASU 2014-09 related to the recognition of revenue from contracts with customers. The new revenue pronouncement creates a single source of revenue guidance for all companies in all industries and is more principles-based than current revenue guidance. The pronouncement provides a five-step model for a company to recognize revenue when it transfers control of goods or services to customers at an amount that reflects the consideration to which it expects to be entitled in exchange for those goods or services. The five steps are, (1) identify the contract with the customer, (2) identify the separate performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the separate performance obligations and (5) recognize revenue when each performance obligation is satisfied. The

7

pronouncement was originally effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2016 using either a full retrospective approach for all periods presented in the period of adoption or a modified retrospective approach. Early adoption is not permitted. On July 9, 2015, the FASB approved a one-year deferral of the effective date of the update. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2017. Early adoption is now permitted as of the original effective date for interim and annual reporting periods in fiscal years beginning after December 15, 2016. WesBanco is currently evaluating the impact of the adoption of this pronouncement on its Consolidated Financial Statements.

NOTE 2. MERGERS AND ACQUISITIONS

On February 10, 2015, WesBanco completed its acquisition of ESB Financial Corporation (“ESB”), and its wholly-owned banking subsidiary, ESB Bank (“ESB Bank”), a Pennsylvania-chartered stock savings bank headquartered in Ellwood City, Pennsylvania. The transaction expanded WesBanco’s franchise in the Pittsburgh region of western Pennsylvania from 16 to 38 offices.

On the acquisition date, ESB had $1.9 billion in assets, excluding goodwill, which included $700.9 million in loans, and $486.9 million in securities. The ESB acquisition was valued at $339.0 million, based on WesBanco’s closing stock price on February 10, 2015 of $32.00, and resulted in WesBanco issuing 9,178,531 shares of its common stock and $45.0 million in cash and other assets in exchange for ESB common stock. The assets and liabilities of ESB were recorded on WesBanco’s balance sheet at their preliminary estimated fair values as of February 10, 2015, the acquisition date, and ESB’s results of operations have been included in WesBanco’s Consolidated Statements of Income since that date. ESB was merged into WesBanco and ESB Bank was merged into WesBanco Bank, Inc. (the “Bank”) on February 10, 2015. Based on a preliminary purchase price allocation, WesBanco recorded $169.3 million in goodwill and $5.3 million in core deposit intangibles in its community banking segment, representing the principal change in goodwill and intangibles from December 31, 2014. The fair values for the assets acquired and liabilities assumed are provisional amounts and are currently under review. Due to the timing of the ESB acquisition, WesBanco is still in the process of completing its fair market valuation, including the valuation of certain tangible and intangible assets as well as deferred income taxes. None of the goodwill is deductible for income tax purposes as the acquisition is accounted for as a tax-free exchange for tax purposes. As a result of the full integration of the operations of ESB, it is not practicable to determine the proforma results or revenue and net income included in WesBanco’s operating results relating to ESB since the date of acquisition because ESB has been fully integrated into WesBanco’s operations, and the operating results of ESB can therefore not be separately identified.

For the six months ended June 30, 2015, WesBanco recorded merger-related expenses of $10.8 million associated with the ESB acquisition. In 2014 WesBanco recognized $1.3 million in merger-related expenses in connection with the ESB acquisition.

The purchase price of the ESB acquisition and resulting goodwill is summarized as follows:

(unaudited, in thousands)	February 10, 2015
Purchase Price:
Fair value of WesBanco shares issued, (net of equity issuance costs of $0.1 million)	$	293,933
Cash consideration for outstanding ESB shares, options and restricted stock		37,036
Settlement of pre-existing loan to ESB		8,000
Total purchase price	$	338,969
Fair value of:
Tangible assets acquired	$	1,858,360
Core deposit and other intangible assets acquired		5,346
Liabilities assumed		(1,702,554	)
Net cash received in the acquisition		8,485
Fair value of net assets acquired		169,637
Goodwill recognized	$	169,332

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The following table presents the preliminary allocation of the purchase price of the assets acquired and the liabilities assumed at the date of acquisition, as WesBanco intends to finalize its accounting for the acquisition of ESB during 2015:

(unaudited, in thousands)	February 10, 2015
Assets
Cash and due from banks	$	8,485
Securities		486,891
Loans		700,933
Goodwill and other intangible assets		174,678
Accrued income and other assets (1)		670,536
Total Assets	$	2,041,523
Liabilities
Deposits	$	1,246,992
Borrowings		433,454
Accrued expenses and other liabilities		22,108
Total liabilities		1,702,554
Purchase price	$	338,969

⁽¹⁾  Includes receivables of $560.7 million from the sale of available-for-sale securities prior to the acquisition date.

NOTE 3. EARNINGS PER COMMON SHARE

Earnings per common share are calculated as follows:

	For the Three Months Ended				For the Six Months Ended
	June 30,				June 30,
(unaudited, in thousands, except shares and per share amounts)	2015		2014		2015		2014
Numerator for both basic and diluted earnings per common share:
Net income	$	21,633	$	18,875	$	35,512	$	35,296
Denominator:
Total average basic common shares outstanding		38,472,229		29,242,180		36,443,951		29,212,347
Effect of dilutive stock options and warrant		59,471		79,747		60,720		81,077
Total diluted average common shares outstanding		38,531,700		29,321,927		36,504,671		29,293,424
Earnings per common share - basic	$	0.56	$	0.65	$	0.97	$	1.21
Earnings per common share - diluted	$	0.56	$	0.64	$	0.97	$	1.20

All stock options outstanding were included in the computation of diluted earnings per share for the three and six months ended June 30, 2015 and 2014, respectively, as all were considered dilutive.

On February 10, 2015, WesBanco issued 9,178,531 shares to complete its acquisition of ESB. These shares are included in average shares outstanding beginning on that date. For additional information relating to the ESB acquisition, refer to Note 2, “Mergers and Acquisitions.”

9

NOTE 4. SECURITIES

The following table presents the fair value and amortized cost of available-for-sale and held-to-maturity securities:

	June 30, 2015									December 31, 2014
(unaudited, in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value		Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
Available-for-sale
Obligations of government agencies	$	80,160	$	1,172	$	(295	)	$	81,037	$	86,964	$	1,087	$	(315	)	$	87,736
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,239,616		3,868		(11,062	)		1,232,422		703,535		4,336		(6,758	)		701,113
Obligations of states and political subdivisions		88,267		4,592		(88	)		92,771		86,073		5,365		(5	)		91,433
Corporate debt securities		177,395		262		(343	)		177,314		25,974		141		(119	)		25,996
Total debt securities	$	1,585,438	$	9,894	$	(11,788	)	$	1,583,544	$	902,546	$	10,929	$	(7,197	)	$	906,278
Equity securities		10,533		581		—			11,114		10,304		842		—			11,146
Total available-for-sale securities	$	1,595,971	$	10,475	$	(11,788	)	$	1,594,658	$	912,850	$	11,771	$	(7,197	)	$	917,424
Held-to-maturity
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies	$	120,576	$	2,501	$	(1,153	)	$	121,924	$	79,004	$	3,262	$	(246	)	$	82,020
Obligations of states and political subdivisions		718,230		19,754		(5,270	)		732,714		507,927		23,917		(1,043	)		530,801
Corporate debt securities		9,610		49		(71	)		9,588		6,739		106		(49	)		6,796
Total held-to-maturity securities	$	848,416	$	22,304	$	(6,494	)	$	864,226	$	593,670	$	27,285	$	(1,338	)	$	619,617
Total securities	$	2,444,387	$	32,779	$	(18,282	)	$	2,458,884	$	1,506,520	$	39,056	$	(8,535	)	$	1,537,041

At June 30, 2015, and December 31, 2014, there were no holdings of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of WesBanco’s shareholders’ equity.

The following table presents the fair value of available-for-sale and held-to-maturity securities by contractual maturity at June 30, 2015. In some instances, the issuers may have the right to call or prepay obligations without penalty prior to the contractual maturity date.

	June 30, 2015
(unaudited, in thousands)	One Year or less		One to Five Years		Five to Ten Years		After Ten Years		Mortgage-backed and Equity		Total
Available-for-sale
Obligations of government agencies	$	—	$	25,230	$	38,977	$	16,830	$	—	$	81,037
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)		—		—		—		—		1,232,422		1,232,422
Obligations of states and political subdivisions		4,745		31,657		27,147		29,222		—		92,771
Corporate debt securities		82,862		56,218		33,344		4,890		—		177,314
Equity securities (2)		—		—		—		—		11,114		11,114
Total available-for-sale securities	$	87,607	$	113,105	$	99,468	$	50,942	$	1,243,536	$	1,594,658
Held-to-maturity (3)
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)	$	—	$	—	$	—	$	—	$	121,924	$	121,924
Obligations of states and political subdivisions		1,877		27,296		319,753		383,788		—		732,714
Corporate debt securities		—		1,010		8,578		—		—		9,588
Total held-to-maturity securities	$	1,877	$	28,306	$	328,331	$	383,788	$	121,924	$	864,226
Total securities	$	89,484	$	141,411	$	427,799	$	434,730	$	1,365,460	$	2,458,884

⁽¹⁾ Mortgage-backed and collateralized mortgage securities, which have prepayment provisions, are not assigned to maturity categories due to fluctuations in their prepayment speeds.

⁽²⁾ Equity securities, which have no stated maturity, are not assigned a maturity category.

⁽³⁾  The held-to-maturity portfolio is carried at an amortized cost of $848.4 million.

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Securities with aggregate fair values of $1.1 billion and $706.5 million at June 30, 2015 and December 31, 2014, respectively, were pledged as security for public and trust funds, and securities sold under agreements to repurchase. Proceeds from the sale of available-for-sale securities were $560.7 million, primarily due to the ESB portfolio restructuring, and $3.5 million for the six months ended June 30, 2015 and 2014, respectively. Net unrealized (losses) gains on available-for-sale securities included in accumulated other comprehensive income net of tax, as of June 30, 2015 and December 31, 2014 were ($0.8) million and $2.9 million, respectively.

The following table presents the gross realized gains and losses on sales and calls of securities for the three and six months ended June 30, 2015 and 2014, respectively.

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Gross realized gains	$	2		$	170		$	26		$	365
Gross realized losses		(2	)		(5	)		(4	)		(190	)
Net realized gains (losses)	$	—		$	165		$	22		$	175

The following tables provide information on unrealized losses on investment securities that have been in an unrealized loss position for less than twelve months and twelve months or more as of June 30, 2015 and December 31, 2014:

	June 30, 2015
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	37,435	$	(295	)		9	$	—	$	—			—	$	37,435	$	(295	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		755,016		(7,346	)		138		164,273		(4,869	)		33		919,289		(12,215	)		171
Obligations of states and political subdivisions		299,339		(4,629	)		415		21,889		(729	)		33		321,228		(5,358	)		448
Corporate debt securities		93,533		(318	)		27		4,890		(96	)		2		98,423		(414	)		29
Total temporarily impaired securities	$	1,185,323	$	(12,588	)		589	$	191,052	$	(5,694	)		68	$	1,376,375	$	(18,282	)		657
	December 31, 2014
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	19,362	$	(77	)		5	$	19,757	$	(238	)		4	$	39,119	$	(315	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		78,786		(386	)		19		240,055		(6,618	)		43		318,841		(7,004	)		62
Obligations of states and political subdivisions		12,615		(96	)		15		61,548		(952	)		93		74,163		(1,048	)		108
Corporate debt securities		2,969		(31	)		1		4,573		(137	)		2		7,542		(168	)		3
Total temporarily impaired securities	$	113,732	$	(590	)		40	$	325,933	$	(7,945	)		142	$	439,665	$	(8,535	)		182

Unrealized losses on debt securities in the tables represent temporary fluctuations resulting from changes in market rates in relation to fixed yields. Unrealized losses in the available-for-sale portfolio are accounted for as an adjustment, net of taxes, to other comprehensive income in shareholders’ equity.

WesBanco does not believe the securities presented above are impaired due to reasons of credit quality, as there are no debt securities rated below investment grade and all are paying principal and interest according to their contractual terms. WesBanco does not intend to sell, nor is it more likely than not that it will be required to sell, loss position securities prior to recovery of their cost, and therefore, management believes the unrealized losses detailed above are temporary and no impairment loss relating to these securities has been recognized.

Securities that do not have readily determinable fair values and for which WesBanco does not exercise significant influence are carried at cost. Cost method investments consist primarily of FHLB of Pittsburgh and FHLB of Cincinnati stock totaling $35.0 million and $11.6 million at June 30, 2015 and December 31, 2014, respectively, and are included in other assets in the Consolidated Balance Sheets. Cost method investments are evaluated for impairment whenever events or circumstances suggest that their carrying value may not be recoverable.

11

NOTE 5. LOANS AND THE ALLOWANCE FOR CREDIT LOSSES

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs of $1.7 million and $2.4 million at June 30, 2015 and December 31, 2014, respectively.

(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	308,885	$	262,643
Improved property		1,885,228		1,682,817
Total commercial real estate		2,194,113		1,945,460
Commercial and industrial		733,478		638,410
Residential real estate		1,241,470		928,770
Home equity		379,740		330,031
Consumer		384,844		244,095
Total portfolio loans		4,933,645		4,086,766
Loans held for sale		11,160		5,865
Total loans	$	4,944,805	$	4,092,631

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	Allowance for Credit Losses By Category For the Six Months Ended June 30, 2015 and 2014
(unaudited, in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdraft			Total
Balance at December 31, 2014:
Allowance for loan losses	$	5,654		$	17,573		$	9,063		$	5,382		$	2,329		$	4,078		$	575		$	44,654
Allowance for loan commitments		194			10			112			9			90			40			—			455
Total beginning allowance for credit losses		5,848			17,583			9,175			5,391			2,419			4,118			575			45,109
Provision for credit losses:
Provision for loan losses		(551	)		633			1,448			25			1,254			580			231			3,620
Provision for loan commitments		13			10			301			3			23			—			—			350
Total provision for credit losses		(538	)		643			1,749			28			1,277			580			231			3,970
Charge-offs		—			(1,234	)		(1,430	)		(944	)		(948	)		(1,414	)		(381	)		(6,351	)
Recoveries		—			256			110			301			53			658			118			1,496
Net charge-offs		—			(978	)		(1,320	)		(643	)		(895	)		(756	)		(263	)		(4,855	)
Balance at June 30, 2015:
Allowance for loan losses		5,103			17,228			9,191			4,764			2,688			3,902			543			43,419
Allowance for loan commitments		207			20			413			12			113			40			—			805
Total ending allowance for credit losses	$	5,310		$	17,248		$	9,604		$	4,776		$	2,801		$	3,942		$	543		$	44,224
Balance at December 31, 2013:
Allowance for loan losses	$	6,056		$	18,157		$	9,925		$	5,673		$	2,017		$	5,020		$	520		$	47,368
Allowance for loan commitments		301			62			130			5			85			19			—			602
Total beginning allowance for credit losses		6,357			18,219			10,055			5,678			2,102			5,039			520			47,970
Provision for credit losses:
Provision for loan losses		(405	)		(511	)		1,870			575			392			642			551			3,114
Provision for loan commitments		(20	)		(52	)		1			—			5			—			—			(66	)
Total provision for credit losses		(425	)		(563	)		1,871			575			397			642			551			3,048
Charge-offs		—			(728	)		(2,384	)		(1,207	)		(348	)		(1,610	)		(362	)		(6,639	)
Recoveries		—			390			543			248			71			512			134			1,898
Net charge-offs		—			(338	)		(1,841	)		(959	)		(277	)		(1,098	)		(228	)		(4,741	)
Balance at June 30, 2014:
Allowance for loan losses		5,651			17,308			9,954			5,289			2,132			4,564			843			45,741
Allowance for loan commitments		281			10			131			5			90			19			—			536
Total ending allowance for credit losses	$	5,932		$	17,318		$	10,085		$	5,294		$	2,222		$	4,583		$	843		$	46,277

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The following tables present the allowance for credit losses and recorded investments in loans by category:

	Allowance for Credit Losses and Recorded Investment in Loans
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Over-draft		Total
June 30, 2015
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,891	$	1,021	$	—	$	—	$	—	$	—	$	3,912
Allowance for loans collectively evaluated for impairment		5,103		14,337		8,170		4,764		2,688		3,902		543		39,507
Allowance for loan commitments		207		20		413		12		113		40		—		805
Total allowance for credit losses	$	5,310	$	17,248	$	9,604	$	4,776	$	2,801	$	3,942	$	543	$	44,224
Portfolio loans:
Individually evaluated for impairment (1)	$	1,040	$	18,054	$	5,388	$	—	$	—	$	—	$	—	$	24,482
Collectively evaluated for impairment		307,845		1,867,174		728,090		1,241,470		379,740		384,844		—		4,909,163
Total portfolio loans	$	308,885	$	1,885,228	$	733,478	$	1,241,470	$	379,740	$	384,844	$	—	$	4,933,645
December 31, 2014
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,765	$	1,033	$	—	$	—	$	—	$	—	$	3,798
Allowance for loans collectively evaluated for impairment		5,654		14,808		8,030		5,382		2,329		4,078		575		40,856
Allowance for loan commitments		194		10		112		9		90		40		—		455
Total allowance for credit losses	$	5,848	$	17,583	$	9,175	$	5,391	$	2,419	$	4,118	$	575	$	45,109
Portfolio loans:
Individually evaluated for impairment (1)	$	—	$	11,469	$	2,844	$	—	$	—	$	—	$	—	$	14,313
Collectively evaluated for impairment		262,643		1,671,348		635,566		928,770		330,031		244,095		—		4,072,453
Total portfolio loans	$	262,643	$	1,682,817	$	638,410	$	928,770	$	330,031	$	244,095	$	—	$	4,086,766

⁽¹⁾  Commercial loans greater than $1 million that are reported as non-accrual or as troubled debt restructuring (“TDR”), including acquired with deteriorated credit quality, are individually evaluated for impairment.

WesBanco maintains an internal loan grading system to reflect the credit quality of commercial loans. Commercial loan risk grades are determined based on an evaluation of the relevant characteristics of each loan, assigned at the inception of each loan and adjusted thereafter at any time to reflect changes in the risk profile throughout the life of each loan. The primary factors used to determine the risk grade are the reliability and sustainability of the primary source of repayment and overall financial strength of the borrower. This includes an analysis of cash flow available to repay debt, profitability, liquidity, leverage, and overall financial trends. Other factors include management, industry or property type risks, an assessment of secondary sources of repayment such as collateral or guarantees, other terms and conditions of the loan that may increase or reduce its risk, and economic conditions and other external factors that may influence repayment capacity and financial condition.

Commercial real estate – land and construction consists of loans to finance investments in vacant land, land development, construction of residential housing, and construction of commercial buildings. Commercial real estate – improved property consists of loans for the purchase or refinance of all types of improved owner-occupied and investment properties. Factors that are considered in assigning the risk grade vary depending on the type of property financed. The risk grade assigned to construction and development loans is based on the overall viability of the project, the experience and financial capacity of the developer or builder to successfully complete the project, project specific and market absorption rates and comparable property values, and the amount of pre-sales for residential housing construction or pre-leases for commercial investment property. The risk grade assigned to commercial investment property loans is based primarily on the adequacy of net rental income generated by the property to service the debt, the type, quality, industry and mix of tenants, and the terms of leases, but also considers the overall financial capacity of the investors and their experience in owning and managing investment property. The risk grade assigned to owner-occupied commercial real estate and commercial and industrial loans is based primarily on historical and projected earnings, the adequacy of operating cash flow to service all of the business’ debt, and the capital resources, liquidity and leverage of the business, but also considers the industry in which the business operates, the business’ specific competitive advantages or disadvantages, the quality and experience of management, and external influences on the business such as economic conditions. Other factors that are considered for commercial and industrial loans include the type, quality and marketability of non-real estate collateral and whether the structure of the loan increases or reduces its risk. The type, age, condition, location and any environmental risks associated with a property are also considered for all types of commercial real estate. The overall financial condition and repayment capacity of any guarantors is also evaluated to determine the extent to which they mitigate other risks of the loan. The following paragraphs provide descriptions of risk grades that are applicable to commercial real estate and commercial and industrial loans.

Pass loans are those that exhibit a history of positive financial results that are at least comparable to the average for their industry or type of real estate. The primary source of repayment is acceptable and these loans are expected to perform satisfactorily during most economic cycles. Pass loans typically have no significant external factors that are expected to adversely affect these borrowers more than others in the same industry or property type. Any minor unfavorable characteristics of these loans are outweighed or mitigated by other positive factors including but not limited to adequate secondary or tertiary sources of repayment.

Criticized or compromised loans are currently protected but have weaknesses, which, if not corrected, may be inadequately protected at some future date. These loans represent an unwarranted credit risk and would generally not be extended in the normal course of lending. Specific issues which may warrant this grade include declining financial results, increased reliance on secondary sources of repayment or guarantor support and adverse external influences that may negatively impact the business or property.

13

Substandard and doubtful loans are equivalent to the classifications used by banking regulators. Substandard loans are inadequately protected by the current repayment capacity and equity of the borrower or collateral pledged, if any. Substandard loans have one or more well-defined weaknesses that jeopardize their repayment or collection in full. These loans may or may not be reported as non-accrual. Doubtful loans have all the weaknesses inherent to a substandard loan with the added characteristic that full repayment is highly questionable or improbable on the basis of currently existing facts, conditions and collateral values. However, recognition of loss may be deferred if there are reasonably specific pending factors that will reduce the risk if they occur.

The following tables summarize commercial loans by their assigned risk grade:

	Commerical Loans by Internally Assigned Risk Grade
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of June 30, 2015
Pass	$	302,514	$	1,830,655	$	711,497	$	2,844,666
Criticized - compromised		3,664		13,463		11,153		28,280
Classified - substandard		2,707		41,110		10,828		54,645
Classified - doubtful		—		—		—		—
Total	$	308,885	$	1,885,228	$	733,478	$	2,927,591
As of December 31, 2014
Pass	$	257,218	$	1,627,771	$	617,742	$	2,502,731
Criticized - compromised		3,645		17,873		12,770		34,288
Classified - substandard		1,780		37,173		7,898		46,851
Classified - doubtful		—		—		—		—
Total	$	262,643	$	1,682,817	$	638,410	$	2,583,870

Residential real estate, home equity and consumer loans are not assigned internal risk grades other than as required by regulatory guidelines that are based primarily on the age of past due loans. WesBanco primarily evaluates the credit quality of residential real estate, home equity and consumer loans based on repayment performance and historical loss rates. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard in accordance with regulatory guidelines were $15.3 million at June 30, 2015 and $15.2 million at December 31, 2014, of which $2.3 and $2.2 million were accruing, for each period, respectively. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard are not included in the tables above.

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Acquired Loans - Loans acquired in connection with acquisitions are recorded at their acquisition-date fair value in accordance with ASC 805, Business Combinations, with no carryover of related allowance for credit losses. Determining the fair value of the acquired loans involves estimating the principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Management considers a number of factors in evaluating the acquisition-date fair value including the remaining life of the acquired loans, delinquency status, estimated prepayments, payment options and other loan features, internal risk grade, estimated value of the underlying collateral and interest rate environment.

Loans acquired with deteriorated credit quality are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality (ASC 310-30), and therefore impaired if, at acquisition, the loans have evidence of credit quality deterioration since origination and it is probable that all contractually required payments will not be collected. At acquisition, WesBanco considers several factors as indicators that an acquired loan has evidence of deterioration in credit quality. These factors include loans 90 days or more past due, loans with an internal risk grade of substandard or below, loans classified as non-accrual by the acquired institution, and loans that have been previously modified as a TDR.

Acquired loans that were not individually determined to be impaired are considered performing and are accounted for in accordance with ASC 310-20, Nonrefundable Fees and Other Costs (ASC 310-20), whereby the premium or discount derived from the fair market value adjustment, on a loan-by-loan or pooled basis, is recognized into interest income on a level yield over the remaining expected life of the loan or pool.

Under the ASC 310-30 model, the excess of cash flows expected to be collected at acquisition over recorded fair value is referred to as the accretable yield and is the interest component of expected cash flow. The accretable yield is recognized into income over the remaining life of the loan if the timing and/or amount of cash flows expected to be collected can be reasonably estimated. If the timing or amount of cash flows expected to be collected cannot be reasonably estimated, the cost recovery method of income recognition is used. The difference between the loan’s total scheduled principal and interest payments over all cash flows expected to be collected at acquisition, considering the impact of prepayments, is referred to as the non-accretable difference. The non-accretable difference represents contractually required principal and interest payments which WesBanco does not expect to collect.

Over the life of the loan, management continues to estimate cash flows expected to be collected. Decreases in expected cash flows are recognized as impairments through a charge to the provision for loan losses resulting in an increase in the allowance for loan losses. Subsequent improvements in cash flows result in first, reversal of existing valuation allowances recognized subsequent to acquisition, if any, and next, an increase in the amount of accretable yield to be subsequently recognized in interest income on a prospective basis over the loan’s remaining life.

In conjunction with the ESB acquisition, WesBanco acquired loans with a book value of $716.2 million. These loans were recorded at their fair value of $700.9 million, with $690.1 million categorized as performing. The fair market value adjustment on performing loans of $10.0 million at acquisition date is expected to be recognized into interest income on a level yield basis over the remaining expected life of the performing loans.

Loans acquired with deteriorated credit quality with a book value of $16.1 million and contractually required payments of $21.7 million were recorded at their estimated fair value of $10.8 million. The accretable yield on the acquired impaired loans was estimated at $1.9 million at the acquisition date with $1.6 million remaining at June 30, 2015. For the six months ended June 30, 2015 accretion recognized in interest income on acquired impaired loans was $0.3 million. The balance of loans acquired with deteriorated credit quality at June 30, 2015, was $10.0 million, of which $8.5 million were categorized as non-accrual and $1.5 million were categorized as accruing TDRs, while the non-accretable difference was $9.0 million. At June 30, 2015 no allowance for loan losses has been recognized related to the acquired impaired loans.

15

The following tables summarize the age analysis of all categories of loans:

	Age Analysis of Loans
(unaudited, in thousands)	Current		30-59 Days Past  Due		60-89 Days Past  Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days  or More Past Due and Accruing (1)
As of June 30, 2015
Commercial real estate:
Land and construction	$	307,522	$	252	$	—	$	1,111	$	1,363	$	308,885	$	—
Improved property		1,870,393		1,304		797		12,734		14,835		1,885,228		180
Total commercial real estate		2,177,915		1,556		797		13,845		16,198		2,194,113		180
Commercial and industrial		729,815		356		896		2,411		3,663		733,478		3
Residential real estate		1,229,198		1,014		3,322		7,936		12,272		1,241,470		1,838
Home equity		375,663		1,212		1,010		1,855		4,077		379,740		228
Consumer		381,146		2,753		618		327		3,698		384,844		222
Total portfolio loans		4,893,737		6,891		6,643		26,374		39,908		4,933,645		2,471
Loans held for sale		11,160		—		—		—		—		11,160		—
Total loans	$	4,904,897	$	6,891	$	6,643	$	26,374	$	39,908	$	4,944,805	$	2,471
Impaired loans included above are as follows:
Non-accrual loans	$	21,964	$	1,030	$	1,641	$	23,569	$	26,240	$	48,204
TDRs accruing interest (1)		12,081		109		434		334		877		12,958
Total impaired	$	34,045	$	1,139	$	2,075	$	23,903	$	27,117	$	61,162
As of December 31, 2014
Commercial real estate:
Land and construction	$	261,356	$	20	$	—	$	1,267	$	1,287	$	262,643	$	71
Improved property		1,665,363		961		4,772		11,721		17,454		1,682,817		—
Total commercial real estate		1,926,719		981		4,772		12,988		18,741		1,945,460		71
Commercial and industrial		634,482		1,834		240		1,854		3,928		638,410		22
Residential real estate		915,968		1,237		3,384		8,181		12,802		928,770		1,306
Home equity		325,291		1,877		895		1,968		4,740		330,031		570
Consumer		240,365		2,571		685		474		3,730		244,095		319
Total portfolio loans		4,042,825		8,500		9,976		25,465		43,941		4,086,766		2,288
Loans held for sale		5,865		—		—		—		—		5,865		—
Total loans	$	4,048,690	$	8,500	$	9,976	$	25,465	$	43,941	$	4,092,631	$	2,288
Impaired loans included above are as follows:
Non-accrual loans	$	7,562	$	2,884	$	5,552	$	22,820	$	31,256	$	38,818
TDRs accruing interest (1)		11,016		151		542		357		1,050		12,066
Total impaired	$	18,578	$	3,035	$	6,094	$	23,177	$	32,306	$	50,884

⁽¹⁾ Loans 90 days or more past due and accruing interest exclude TDRs 90 days or more past due and accruing interest.

Impaired Loans — A loan is considered impaired, based on current information and events, if it is probable that WesBanco will be unable to collect the payments of principal and interest when due according to the contractual terms of the loan agreement. Impaired loans generally included all non-accrual loans and TDRs.

Loans are generally placed on non-accrual when they are 90 days past due unless the loan is well-secured and in the process of collection. Loans may also be placed on non-accrual when full collection of principal is in doubt even if payments on such loans remain current, or may remain on non-accrual if they were past due but subsequently brought current.

Loans are categorized as TDRs when the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that it would not otherwise consider.

Acquired loans that have experienced a deterioration of credit quality from origination to acquisition for which it is probable that WesBanco will be unable to collect all contractually required payments receivable, including both principal and interest, are considered impaired.

16

The following tables summarize impaired loans:

	Impaired Loans
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Unpaid Principal Balance (1)		Recorded Investment		Related Allowance		Unpaid Principal Balance (1)		Recorded Investment		Related Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,711	$	2,509	$	—	$	1,588	$	1,488	$	—
Improved property		28,520		21,001		—		16,480		14,684		—
Commercial and industrial		5,926		3,461		—		3,152		2,597		—
Residential real estate		19,914		17,967		—		20,077		18,544		—
Home equity		3,293		2,995		—		2,890		2,663		—
Consumer		1,522		1,189		—		1,287		1,086		—
Total impaired loans without a specific allowance		61,886		49,122		—		45,474		41,062		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		7,511		7,511		2,891		7,980		7,980		2,765
Commercial and industrial		5,833		4,529		1,021		1,842		1,842		1,033
Total impaired loans with a specific allowance		13,344		12,040		3,912		9,822		9,822		3,798
Total impaired loans	$	75,230	$	61,162	$	3,912	$	55,296	$	50,884	$	3,798

⁽¹⁾ The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired impaired loans.

	Impaired Loans
	For the Three Months Ended								For the Six Months Ended
	June 30, 2015				June 30, 2014				June 30, 2015				June 30, 2014
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,493	$	2	$	2,143	$	13	$	2,158	$	18	$	2,283	$	15
Improved Property		21,741		240		18,572		133		19,389		463		18,924		153
Commercial and industrial		2,947		49		4,122		57		2,830		62		3,831		89
Residential real estate		18,550		235		18,864		209		18,548		465		19,272		391
Home equity		2,806		21		2,173		16		2,758		41		2,284		35
Consumer		1,261		26		1,135		18		1,202		46		1,150		46
Total impaired loans without a specific allowance		49,798		573		47,009		446		46,885		1,095		47,744		729
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—		—		—
Improved Property		6,989		56		727		3		7,319		56		727		4
Commercial and industrial		3,149		118		2,537		29		2,713		137		2,206		41
Total impaired loans with a specific allowance		10,138		174		3,264		32		10,032		193		2,933		45
Total impaired loans	$	59,936	$	747	$	50,273	$	478	$	56,917	$	1,288	$	50,677	$	774

17

The following tables present the recorded investment in non-accrual loans and TDRs:

	Non-accrual Loans (1)
(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	1,382	$	1,488
Improved property		26,103		20,227
Total commercial real estate		27,485		21,715
Commercial and industrial		7,664		4,110
Residential real estate		10,117		10,329
Home equity		2,251		1,923
Consumer		687		741
Total	$	48,204	$	38,818

⁽¹⁾  Total non-accrual loans include loans that are also restructured. Such loans are also set forth in the following table as non-accrual TDRs.

	TDRs
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Accruing		Non- Accrual		Total		Accruing		Non- Accrual		Total
Commercial real estate:
Land and construction	$	1,127	$	501	$	1,628	$	—	$	464	$	464
Improved property		2,409		9,761		12,170		2,437		1,850		4,287
Total commercial real estate		3,536		10,262		13,798		2,437		2,314		4,751
Commercial and industrial		326		293		619		329		478		807
Residential real estate		7,850		2,089		9,939		8,215		2,074		10,289
Home equity		744		278		1,022		740		245		985
Consumer		502		218		720		345		309		654
Total	$	12,958	$	13,140	$	26,098	$	12,066	$	5,420	$	17,486

As of June 30, 2015, there were two TDRs greater than $1.0 million. The concessions granted in the majority of loans reported as accruing and non-accrual TDRs are extensions of the maturity date or the amortization period, reductions in the interest rate below the prevailing market rate for loans with comparable characteristics, and/or permitting interest-only payments for longer than three months.

WesBanco had unfunded commitments to debtors whose loans were classified as impaired of $1.3 million and $0 as of June 30, 2015 and December 31, 2014, respectively.

The following table presents details related to loans identified as TDRs during the three and six months ended June 30, 2015 and 2014, respectively:

	New TDRs (1)
	For the Three Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved Property		—		—		—		1		112		112
Total commercial real estate		—		—		—		1		112		112
Commercial and industrial		—		—		—		—		—		—
Residential real estate		1		41		39		2		70		70
Home equity		—		—		—		—		—		—
Consumer		—		—		—		9		100		93
Total		1	$	41	$	39		12	$	282	$	275

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

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	New TDRs (1)
	For the Six Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		9	$	1,239	$	1,160		—	$	—	$	—
Improved Property		7		9,336		8,784		2		203		201
Total commercial real estate		16		10,575		9,944		2		203		201
Commercial and industrial		2		42		53		—		—		—
Residential real estate		8		466		455		5		189		185
Home equity		1		7		6		—		—		—
Consumer		19		279		273		11		138		123
Total		46	$	11,369	$	10,731		18	$	530	$	509

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

The following tables summarize TDRs which defaulted (defined as past due 90 days) during the six months ended June 30, 2015 and 2014, respectively, that were restructured within the last twelve months prior to June 30, 2015 and 2014, respectively:

	Defaulted TDRs (1)
	For the Six Months Ended
	June 30, 2015				June 30, 2014
	Number of		Recorded		Number of		Recorded
(unaudited, dollars in thousands)	Defaults		Investment		Defaults		Investment
Commercial real estate:
Land and construction		—	$	—		—	$	—
Improved property		—		—		—		—
Total commercial real estate		—		—		—		—
Commercial and industrial		—		—		—		—
Residential real estate		—		—		4		236
Home equity		1		42		—		—
Consumer		—		—		—		—
Total		1	$	42		4	$	236

⁽¹⁾  Excludes loans that were either charged-off or cured by period end. The recorded investment is as of June 30, 2015 and 2014, respectively.

TDRs that defaulted during the six month period that were restructured within the last twelve months represented less than 1.0% of the total TDR balance at June 30, 2015. These loans are placed on non-accrual status unless they are both well-secured and in the process of collection. At June 30, 2015, the loan in the table above was not accruing interest.

The following table summarizes other real estate owned and repossessed assets included in other assets:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Other real estate owned	$	5,912	$	4,920
Repossessed assets		256		162
Total other real estate owned and repossessed assets	$	6,168	$	5,082

Residential real estate included in other real estate owned at June 30, 2015 and December 31, 2014 was $1.9 million and $0.6 million, respectively. At June 30, 2015, formal foreclosure proceedings were in process on residential real estate loans totaling $3.6 million.

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NOTE 6. PENSION PLAN

The following table presents the net periodic pension cost for WesBanco’s Defined Benefit Pension Plan (the “Plan”) and the related components:

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Service cost - benefits earned during year	$	836		$	725		$	1,663		$	1,442
Interest cost on projected benefit obligation		1,214			1,183			2,415			2,353
Expected return on plan assets		(1,928	)		(1,802	)		(3,835	)		(3,585	)
Amortization of prior service cost		6			11			12			22
Amortization of net loss		793			367			1,577			730
Net periodic pension cost	$	921		$	484		$	1,832		$	962

The Plan covers all employees of WesBanco and its subsidiaries who were hired on or before August 1, 2007 who satisfy minimum age and length of service requirements, and is not available to employees hired after such date.

A minimum required contribution of $3.1 million is due for 2015 which could be all or partially offset by the Plan’s $34.9 million available credit balance. A voluntary contribution of $3.5 million was made in June 2015.

20

NOTE 7. FAIR VALUE MEASUREMENT

Fair value estimates are based on quoted market prices, if available, quoted market prices of similar assets or liabilities, or the present value of expected future cash flows and other valuation techniques. These valuations are significantly affected by discount rates, cash flow assumptions, and risk assumptions used. Therefore, fair value estimates may not be substantiated by comparison to independent markets and are not intended to reflect the proceeds that may be realizable in an immediate settlement of the instruments.

Fair value is determined at one point in time and is not representative of future value. These amounts do not reflect the total value of a going concern organization. Management does not have the intention to dispose of a significant portion of its assets and liabilities and therefore, the unrealized gains or losses should not be interpreted as a forecast of future earnings and cash flows.

The following is a discussion of assets and liabilities measured at fair value on a recurring basis and valuation techniques applied:

Securities available-for-sale: The fair value of securities available-for-sale which are measured on a recurring basis are determined primarily by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other similar securities. These securities are classified within level 1 or 2 in the fair value hierarchy. Certain equity securities that are lightly traded in over-the-counter markets are classified as level 2 in the fair value hierarchy, as quoted market prices may not be available on the fair value measurement date. Positions that are not traded in active markets for which valuations are generated using assumptions not observable in the market or management’s best estimate are classified within level 3 of the fair value hierarchy. This includes certain specific municipal debt issues for which the credit quality and discount rate must be estimated.

We may be required from time to time to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These adjustments to fair value usually result from application of lower of cost or market accounting or write-downs of individual assets.

Impaired loans: Impaired loans are carried at the lower of cost or the fair value of the collateral for collateral-dependent loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The use of independent appraisals, discounted cash flow models and management’s best judgment are significant inputs in arriving at the fair value measure of the underlying collateral and impaired loans are therefore classified within level 3 of the fair value hierarchy.

Other real estate owned and repossessed assets: Other real estate owned and repossessed assets are carried at the lower of the investment in the assets or the fair value of the assets less estimated selling costs. The use of independent appraisals and management’s best judgment are significant inputs in arriving at the fair value measure of the underlying collateral, and therefore other real estate owned and repossessed assets are classified within level 3 of the fair value hierarchy.

Loans held for sale: Loans held for sale are carried, in aggregate, at the lower of cost or fair value. The use of a valuation model using quoted prices of similar instruments are significant inputs in arriving at the fair value and therefore loans held for sale are classified within level 2 of the fair value hierarchy.

21

The following tables set forth WesBanco’s financial assets and liabilities that were accounted for at fair value on a recurring and nonrecurring basis by level within the fair value hierarchy as of June 30, 2015 and December 31, 2014:

			June 30, 2015
			Fair Value Measurements Using:
(unaudited, in thousands)	June 30, 2015		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	81,037	$	—	$	81,037	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,232,422		—		1,232,422		—
Obligations of state and political subdivisions		92,771		—		92,771		—
Corporate debt securities		177,314		—		177,314		—
Equity securities		11,114		8,315		2,799		—
Total securities - available-for-sale	$	1,594,658	$	8,315	$	1,586,343	$	—
Total recurring fair value measurements	$	1,594,658	$	8,315	$	1,586,343	$	—
Nonrecurring fair value measurements
Impaired loans	$	8,128	$	—	$	—	$	8,128
Other real estate owned and repossessed assets		6,168		—		—		6,168
Loans held for sale		11,160		—		11,160		—
Total nonrecurring fair value measurements	$	25,456	$	—	$	11,160	$	14,296
			December 31, 2014
			Fair Value Measurements Using:
(unaudited, in thousands)	December 31, 2014		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	87,736	$	—	$	87,736	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		701,113		—		701,113		—
Obligations of state and political subdivisions		91,433		—		91,433		—
Corporate debt securities		25,996		—		25,996		—
Equity securities		11,146		8,440		2,706		—
Total securities - available-for-sale	$	917,424	$	8,440	$	908,984	$	—
Total recurring fair value measurements	$	917,424	$	8,440	$	908,984	$	—
Nonrecurring fair value measurements
Impaired loans	$	6,024	$	—	$	—	$	6,024
Other real estate owned and repossessed assets		5,082		—		—		5,082
Loans held for sale		5,865		—		5,865		—
Total nonrecurring fair value measurements	$	16,971	$	—	$	5,865	$	11,106

WesBanco’s policy is to recognize transfers between levels as of the actual date of the event or change in circumstances that caused the transfer. There were no transfers between level 1, 2 or 3 for the six months ended June 30, 2015 or 2014.

22

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which WesBanco has utilized level 3 inputs to determine fair value:

	Quantitative Information about Level 3 Fair Value Measurements
(unaudited, in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
June 30, 2015:
Impaired loans	$	8,128	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (42.2%) / (16.6%)
				Liquidation expenses (2)	(2.9%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		6,168	Appraisal of collateral (1), (3)
December 31, 2014:
Impaired loans	$	6,024	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (39.7%) / (6.7%)
				Liquidation expenses (2)	(1.2%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		5,082	Appraisal of collateral (1), (3)

⁽¹⁾ Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.

⁽²⁾  Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of appraisal adjustments and liquidation expenses are presented as a percent of the appraisal.

⁽³⁾  Includes estimated liquidation expenses and numerous dissimilar qualitative adjustments by management which are not identifiable.

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The estimated fair values of WesBanco’s financial instruments are summarized below:

					Fair Value Measurements at June 30, 2015
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	108,738	$	108,738	$	108,738	$	—	$	—
Securities available-for-sale		1,594,658		1,594,658		8,315		1,586,343		—
Securities held-to-maturity		848,416		864,226		—		863,507		719
Net loans		4,890,226		4,883,371		—		—		4,883,371
Loans held for sale		11,160		11,160		—		11,160		—
Accrued interest receivable		24,739		24,739		24,739		—		—
Bank-owned life insurance		154,980		154,980		154,980		—		—
Financial Liabilities
Deposits		6,259,045		6,269,284		4,480,480		1,788,804		—
Federal Home Loan Bank borrowings		781,332		783,072		—		783,072		—
Other borrowings		73,868		73,866		70,991		2,875		—
Junior subordinated debt		106,196		78,628		—		78,628		—
Accrued interest payable		2,542		2,542		2,542		—		—
					Fair Value Measurements at December 31, 2014
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	94,002	$	94,002	$	94,002	$	—	$	—
Securities available-for-sale		917,424		917,424		8,440		908,984		—
Securities held-to-maturity		593,670		619,617		—		618,895		722
Net loans		4,042,112		4,047,648		—		—		4,047,648
Loans held for sale		5,865		5,865		—		5,865		—
Accrued interest receivable		18,481		18,481		18,481		—		—
Bank-owned life insurance		123,298		123,298		123,298		—		—
Financial Liabilities
Deposits		5,048,983		5,056,828		3,743,887		1,312,941		—
Federal Home Loan Bank borrowings		223,126		225,456		—		225,456		—
Other borrowings		80,690		80,696		77,534		3,162		—
Junior subordinated debt		106,176		79,212		—		79,212		—
Accrued interest payable		1,620		1,620		1,620		—		—

The following methods and assumptions were used to measure the fair value of financial instruments recorded at cost on WesBanco’s consolidated balance sheets:

Cash and due from banks: The carrying amount for cash and due from banks is a reasonable estimate of fair value.

Securities held-to-maturity: Fair values for securities held-to-maturity are determined in the same manner as securities available-for-sale which is described above.

Net loans: Fair values for loans are estimated using a discounted cash flow methodology. The discount rates take into account interest rates currently being offered to customers for loans with similar terms, the credit risk associated with the loan and other market factors, including liquidity. The valuation of the loan portfolio reflects discounts that WesBanco believes are consistent with transactions occurring in the marketplace for both performing and distressed loan types. The carrying value that fair value is compared to is net of the allowance for loan losses and other associated premiums and discounts. Due to the significant judgment involved in evaluating credit quality, loans are classified within level 3 of the fair value hierarchy.

Accrued interest receivable: The carrying amount of accrued interest receivable approximates its fair value.

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Bank-owned life insurance: The carrying value of bank-owned life insurance represents the net cash surrender value of the underlying insurance policies, should these policies be terminated. Management believes that the carrying value approximates its fair value.

Deposits: The carrying amount is considered a reasonable estimate of fair value for demand, savings and other variable rate deposit accounts. The fair value of fixed maturity certificates of deposit is estimated by a discounted cash flow method using rates currently offered for deposits of similar remaining maturities.

Federal Home Loan Bank borrowings: The fair value of FHLB borrowings is based on rates currently available to WesBanco for borrowings with similar terms and remaining maturities.

Other borrowings: The carrying amount of federal funds purchased and overnight sweep accounts generally approximate fair value. Other repurchase agreements are based on quoted market prices if available. If market prices are not available, for certain fixed and adjustable rate repurchase agreements, then quoted market prices of similar instruments are used.

Junior subordinated debt owed to unconsolidated subsidiary trusts: Due to the pooled nature of these instruments, which are not actively traded, estimated fair value is based on recent similar transactions of single-issuer trust preferred securities.

Accrued interest payable: The carrying amount of accrued interest payable approximates its fair value.

Off-balance sheet financial instruments: Off-balance sheet financial instruments consist of commitments to extend credit, including letters of credit. Fair values for commitments to extend credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit standing of the counterparties. The estimated fair value of the commitments to extend credit and letters of credit are insignificant and therefore are not presented in the above tables.

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NOTE 8. COMPREHENSIVE INCOME

The activity in accumulated other comprehensive income for the six months ended June 30, 2015 and 2014 is as follows:

	Accumulated Other Comprehensive Income (1)
(unaudited, in thousands)	Defined Benefit Pension Plan			Unrealized Gains (Losses) on Securities Available-for-Sale			Unrealized Gains on Securities Transferred from Available-for- Sale to Held-to-Maturity			Total
Balance at December 31, 2014	$	(22,776	)	$	2,892		$	1,059		$	(18,825	)
Other comprehensive income before reclassifications		—			(3,711	)		—			(3,711	)
Amounts reclassified from accumulated other comprehensive income		981			(13	)		(134	)		834
Period change		981			(3,724	)		(134	)		(2,877	)
Balance at June 30, 2015	$	(21,795	)	$	(832	)	$	925		$	(21,702	)
Balance at December 31, 2013	$	(7,966	)	$	(6,126	)	$	1,358		$	(12,734	)
Other comprehensive income before reclassifications		—			7,194			—			7,194
Amounts reclassified from accumulated other comprehensive income		475			(157	)		(171	)		147
Period change		475			7,037			(171	)		7,341
Balance at June 30, 2014	$	(7,491	)	$	911		$	1,187		$	(5,393	)

⁽¹⁾  All amounts are net of tax. Related income tax expense or benefit is calculated using a combined Federal and State income tax rate approximating 37%.

The following table provides details about amounts reclassified from accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014:

Details about Accumulated Other Comprehensive Income Components	For the Three Months Ended June 30,						For the Six Months Ended June 30,						Affected Line Item in the Statement of Net Income
(unaudited, in thousands)	2015			2014			2015			2014
Securities available-for-sale (1):
Net securities gains reclassified into earnings	$	(2	)	$	(170	)	$	(20	)	$	(248	)	Net securities gains (Non-interest income)
Related income tax expense		1			63			7			91		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(1	)		(107	)		(13	)		(157	)
Securities held-to-maturity (1):
Amortization of unrealized gain transferred from available-for-sale		(107	)		(132	)		(214	)		(270	)	Interest and dividends on securities (Interest and dividend income)
Related income tax expense		39			48			80			99		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(68	)		(84	)		(134	)		(171	)
Defined benefit pension plan (2):
Amortization of net loss and prior service costs		799			378			1,589			752		Employee benefits (Non-interest expense)
Related income tax benefit		(293	)		(139	)		(608	)		(277	)	Provision for income taxes
Net effect on accumulated other comprehensive income for the period		506			239			981			475
Total reclassifications for the period	$	437		$	48		$	834		$	147

⁽¹⁾ For additional detail related to unrealized gains on securities and related amounts reclassified from accumulated other comprehensive income see Note 4, “Securities.”

⁽²⁾ Included in the computation of net periodic pension cost. See Note 6, “Pension Plan” for additional detail.

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NOTE 9. COMMITMENTS AND CONTINGENT LIABILITIES

Commitments — In the normal course of business, WesBanco offers off-balance sheet credit arrangements to enable its customers to meet their financing objectives. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the financial statements. WesBanco’s exposure to credit losses in the event of non-performance by the other parties to the financial instruments for commitments to extend credit and standby letters of credit is limited to the contractual amount of those instruments. WesBanco uses the same credit policies in making commitments and conditional obligations as for all other lending. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The allowance for credit losses associated with commitments was $0.8 million and $0.5 million as of June 30, 2015 and December 31, 2014, respectively, and is included in other liabilities on the Consolidated Balance Sheets.

Letters of credit are conditional commitments issued by banks to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financing and similar transactions. Letters of credit are considered guarantees. The liability associated with letters of credit was $0.2 million as of June 30, 2015 and December 31, 2014, respectively.

Contingent obligations to purchase loans funded by other entities include affordable housing plan guarantees and credit card guarantees. Affordable housing plan guarantees are performance guarantees for various building project loans. The guarantee amortizes as the loan balances decrease. Credit card guarantees are credit card balances not owned by WesBanco, whereby the Bank guarantees the performance of the cardholder.

The following table presents total commitments to extend credit, guarantees and various letters of credit outstanding:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Lines of credit	$	1,111,712	$	984,352
Loans approved but not closed		333,624		116,757
Overdraft limits		107,619		95,965
Letters of credit		26,295		23,362
Contingent obligations to purchase loans funded by other entities		9,324		8,312

Contingent Liabilities — WesBanco is a party to various legal and administrative proceedings and claims. While any litigation contains an element of uncertainty, management does not believe that a material loss related to such proceedings or claims pending or known to be threatened is reasonably possible.

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NOTE 10. BUSINESS SEGMENTS

WesBanco operates two reportable segments: community banking and trust and investment services. WesBanco’s community banking segment offers services traditionally offered by full-service commercial banks, including commercial demand, individual demand and time deposit accounts, as well as commercial, mortgage and individual installment loans, and certain non-traditional offerings, such as insurance and securities brokerage services. The trust and investment services segment offers trust services as well as various alternative investment products including mutual funds. The market value of assets managed or held in custody by the trust and investment services segment was approximately $3.8 billion at both June 30, 2015 and 2014. These assets are held by WesBanco in fiduciary or agency capacities for their customers and therefore are not included as assets on WesBanco’s Consolidated Balance Sheets.

Condensed financial information by business segment is presented below:

(unaudited, in thousands)	Community Banking		Trust and Investment Services		Consolidated
For the Three Months ended June 30, 2015:
Interest income	$	66,729	$	—	$	66,729
Interest expense		5,936		—		5,936
Net interest income		60,793		—		60,793
Provision for credit losses		2,681		—		2,681
Net interest income after provision for credit losses		58,112		—		58,112
Non-interest income		12,596		5,476		18,072
Non-interest expense		43,568		3,021		46,589
Income before provision for income taxes		27,140		2,455		29,595
Provision for income taxes		6,980		982		7,962
Net income	$	20,160	$	1,473	$	21,633
For the Three Months ended June 30, 2014:
Interest income	$	54,044	$	—	$	54,044
Interest expense		5,737		—		5,737
Net interest income		48,307		—		48,307
Provision for credit losses		849		—		849
Net interest income after provision for credit losses		47,458		—		47,458
Non-interest income		13,031		5,210		18,241
Non-interest expense		37,367		2,937		40,304
Income before provision for income taxes		23,122		2,273		25,395
Provision for income taxes		5,611		909		6,520
Net income	$	17,511	$	1,364	$	18,875
For the Six Months ended June 30, 2015:
Interest income	$	127,117	$	—	$	127,117
Interest expense		11,360		—		11,360
Net interest income		115,757		—		115,757
Provision for credit losses		3,970		—		3,970
Net interest income after provision for credit losses		111,787		—		111,787
Non-interest income		24,725		11,529		36,254
Non-interest expense		93,863		6,184		100,047
Income before provision for income taxes		42,649		5,345		47,994
Provision for income taxes		10,344		2,138		12,482
Net income	$	32,305	$	3,207	$	35,512
For the Six Months ended June 30, 2014:
Interest income	$	107,501	$	—	$	107,501
Interest expense		11,870		—		11,870
Net interest income		95,631		—		95,631
Provision for credit losses		3,048		—		3,048
Net interest income after provision for credit losses		92,583		—		92,583
Non-interest income		24,432		10,858		35,290
Non-interest expense		74,193		6,205		80,398
Income before provision for income taxes		42,822		4,653		47,475
Provision for income taxes		10,318		1,861		12,179
Net income	$	32,504	$	2,792	$	35,296

Total non-fiduciary assets of the trust and investment services segment were $3.7 million and $3.9 million at June 30, 2015 and 2014, respectively. All other assets, including goodwill and other intangible assets, were allocated to the community banking segment.

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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Management’s Discussion and Analysis (“MD&A”) represents an overview of the results of operations and financial condition of WesBanco for the three and six months ended June 30, 2015. This discussion and analysis should be read in conjunction with the Consolidated Financial Statements and Notes thereto.

FORWARD-LOOKING STATEMENTS

Forward-looking statements in this report relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco’s Form 10-K for the year ended December 31, 2014 and documents subsequently filed by WesBanco with the Securities and Exchange Commission (“SEC”), including WesBanco’s Form 10-Q for the quarter ended March 31, 2015, which are available at the SEC’s website, www.sec.gov or at WesBanco’s website, www.wesbanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk Factors” in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, the effects of changing regional and national economic conditions; changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; internet hacking; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements.

OVERVIEW

WesBanco is a multi-state bank holding company operating through 142 branches, one loan production office and 130 ATM machines in West Virginia, Ohio and western Pennsylvania, offering retail banking, corporate banking, personal and corporate trust services, brokerage services, mortgage banking and insurance. WesBanco’s businesses are significantly impacted by economic factors such as market interest rates, federal monetary and regulatory policies, local and regional economic conditions and the competitive environment’s effect upon WesBanco’s business volumes. WesBanco’s deposit levels are affected by numerous factors including personal savings rates, personal income, and competitive rates on alternative investments, as well as competition from other financial institutions within the markets we serve and liquidity needs of WesBanco. Loan levels are also subject to various factors including construction demand, business financing needs, consumer spending and interest rates, as well as loan terms offered by competing lenders.

On February 10, 2015, WesBanco completed the acquisition of ESB, a Pennsylvania savings bank holding company headquartered in Ellwood City, Lawrence County, northwest of Pittsburgh, PA, with approximately $1.9 billion in assets and 23 offices in four southwestern PA counties, three of which were in the Pittsburgh Metropolitan Statistical Area (“MSA”). WesBanco now has $8.4 billion in total assets; the transaction expanded WesBanco’s franchise in western Pennsylvania from 16 to 38 offices with approximately $1.7 billion in total deposits. ESB’s results were included in WesBanco’s results from the date of the consummation of the merger.

APPLICATION OF CRITICAL ACCOUNTING POLICIES AND ESTIMATES

WesBanco’s critical accounting policies involving the significant judgments and assumptions used in the preparation of the Consolidated Financial Statements as of June 30, 2015 have remained unchanged from the disclosures presented in WesBanco’s Annual Report on Form 10-K for the year ended December 31, 2014 within the section “Management’s Discussion and Analysis of Financial Condition and Results of Operations.”

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RESULTS OF OPERATIONS

EARNINGS SUMMARY

Net income for the three months ended June 30, 2015 was $21.6 million, while diluted earnings per share were $0.56, compared to $18.9 million or $0.64 per diluted share for the second quarter of 2014, representing an increase of 14.6%. Net income for the first half of 2015 was $35.5 million or $0.97 per diluted share compared to $35.3 million or $1.20 per diluted share for the same period of 2014, representing an increase of 0.6%. Net income for the three months ended June 30, 2015, excluding after-tax merger-related expenses of $0.7 million, was $22.4 million (non-GAAP measure) compared to $18.9 million for the second quarter of 2014, representing an increase of 18.5%. Diluted earnings per share, excluding after-tax merger-related expenses, were $0.58 (non-GAAP measure), compared to $0.64 per share for the second quarter of 2014. For the six month period ending June 30, 2015, net income excluding after-tax merger-related expenses of $7.1 million, was $42.6 million (non-GAAP measure) compared to $35.3 million for the first half of last year, representing an increase of 20.6%. Diluted earnings per share, excluding after-tax merger-related expenses, totaled $1.17 (non-GAAP measure), compared to $1.20 per share for the first six months of 2014. For the three and six month periods, temporary extra operating costs of $0.3 million and $0.8 million, after tax, were incurred between ESB closing and branch systems conversion.

	For the Three Months Ended June 30,										For the Six Months Ended June 30,
	2015						2014				2015						2014
(unaudited, dollars in thousands, except per share amounts)	Net Income			Diluted Earnings Per Share			Net Income		Diluted Earnings Per Share		Net Income			Diluted Earnings Per Share			Net Income		Diluted Earnings Per Share
Net income (Non-GAAP)(1)	$	22,358		$	0.58		$	18,875	$	0.64	$	42,563		$	1.17		$	35,296	$	1.20
Less: After tax merger-related expenses		(725	)		(0.02	)		—		—		(7,051	)		(0.20	)		—		—
Net income (GAAP)	$	21,633		$	0.56		$	18,875	$	0.64	$	35,512		$	0.97		$	35,296	$	1.20

(1) The above non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco’s operating performance and trends, and facilitate comparisons with the performance of WesBanco’s peers.

Net interest income increased $12.5 million or 25.8% in the second quarter of 2015 compared to the second quarter of 2014 due to a 33.2% increase in average earning assets, primarily from the ESB acquisition, and through a 7.8% increase in average loan balances, exclusive of ESB, somewhat offset by a 20 basis point decrease in the net interest margin. Year-to-date, net interest income increased $20.1 million or 21.0%. The net interest margin decreased to 3.44% in the second quarter compared to 3.64% in the same quarter of 2014. The decrease in the net interest margin is primarily due to a 51 basis point decline in the average rate earned on securities due to lower yields on ESB’s retained securities portfolio and other purchased securities. The lower securities rates were due to the low interest rate environment and were somewhat mitigated by a significantly smaller decrease in rates on loans of only 10 basis points, and a reduction in funding costs of 11 basis points. Funding costs continued to decrease in 2015 as a result of a 33 basis point decrease in the average rate on CDs as higher-rate CDs matured. Overall, average deposits increased by 23.9% in the second quarter of 2015 compared to the same quarter of 2014 with a rate decrease of 12 basis points. Increased average FHLB borrowings in the first half of 2015 were generally short to medium-term maturities resulting in a decrease in the second quarter rate by 203 basis points compared to the second quarter of 2014. In addition, the average rate on other borrowings decreased 98 basis points through the prepayment of a higher-rate $22.0 million repurchase agreement with another bank in the third quarter of 2014, and through maturities. The decline in the net interest margin is also due to asset and liability mix shifts post-ESB, with a greater percentage of lower-yielding investment securities and a greater percentage of CDs versus lower-cost deposit types. Excluding accretion of various purchase accounting adjustments relating to recent acquisitions and the interest recognized on a tax refund in 2014, the net interest margin would have been 3.32% and 3.38% in the second quarter and year-to-date periods of 2015, respectively, compared to 3.57% and 3.58% for the same periods of 2014.

The provision for credit losses was $2.7 million in the second quarter of 2015 compared to $0.8 million in the same quarter of 2014. Year-to-date, the provision was $4.0 million compared to $3.0 million in the first six months of 2014. Net charge-offs for the first half of 2015 were $4.9 million or 0.21% of average portfolio loans compared to $4.7 million or 0.25% in first half of 2014. The increase in both the provision and charge-offs were primarily due to one non-energy industry-related commercial credit placed on nonaccrual and charged-down by $1.3 million. Portfolio growth also impacted the provision. However, other credit quality metrics, including the loans acquired from ESB, continue to improve overall.

For the second quarter of 2015, non-interest income was relatively unchanged compared to the second quarter of 2014 primarily due to a $1.0 million bank-owned life insurance death benefit recorded in the second quarter of 2014. However, excluding such death benefit, non-interest income increased in the second quarter of 2015 by $0.8 million or 4.8%. Trust fees increased $0.3 million or 5.1% for the quarter from higher fees, customer development initiatives and overall market improvements. Total trust assets of $3.8 billion at June 30, 2015 were unchanged from June 30, 2014. Service charges on deposits increased $0.2 million or 4.2% from the addition of ESB and an overall higher fee schedule. Electronic banking fees increased $0.2 million or 7.0%. Net gains on sales of other assets improved by $0.3 million due to gains on sales of other real estate in 2015 and decreased losses on other assets. For the first six months of 2015, non-interest income increased by $1.0 million or 2.7%, reflecting similar trends as in the second quarter, however trust fees and electronic banking fees increased 6.2% and 8.6% respectively, compared to the first half of 2014.

In the second quarter of 2015, net revenue growth of 18.5% outpaced non-interest expense growth of 12.8%, excluding merger-related expenses, compared to the second quarter of 2014. As a result, the efficiency ratio (net of merger-related expenses) improved in the current quarter to 56.1% from 58.9% in the second quarter of 2014. Overall non-interest expense from the combined company increased $6.3 million in the second quarter, principally from the acquisition, and $1.1 million of merger-related expenses. Excluding merger-related expenses, non-interest expense increased $5.2 million or 12.8%. Salaries and wages increased $2.4 million or 14.2%, due to a 17.4% increase in average full-time equivalent employees and routine annual adjustments to compensation, partially offset by increased deferrals of loan costs. Employee benefits expense increased $1.3 million or

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23.1%, primarily from increased pension, health insurance, social security contributions and other benefit plan costs. Net occupancy increased $0.4 million principally due to increased building-related costs including utilities and depreciation. Amortization of intangible assets increased $0.5 million or 95.9% from additional ESB intangible assets, primarily related to core deposits. For the first half of 2015, non-interest expense for the combined company increased by $8.8 million or 10.9%, excluding merger-related expenses, compared to the first half of 2014. Increases were also primarily from salaries and wages, employee benefits, occupancy and amortization of intangibles.

The provision for federal and state income taxes was $12.5 million in 2015 compared to $12.2 million in the first half of 2014. The increase in income tax expense was due to an increase in pre-tax income, partially offset by a $0.5 million benefit relating to the completion of an IRS audit which closed the 2011 and 2012 tax years, which resulted in an effective tax rate of 26.0% for 2015 compared to 25.7% for 2014.

NET INTEREST INCOME

TABLE 1. NET INTEREST INCOME

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, dollars in thousands)	2015			2014			2015			2014
Net interest income	$	60,793		$	48,307		$	115,757		$	95,631
Taxable equivalent adjustments to net interest income		2,182			1,850			4,084			3,673
Net interest income, fully taxable equivalent	$	62,975		$	50,157		$	119,841		$	99,304
Net interest spread, non-taxable equivalent		3.23	%		3.41	%		3.27	%		3.39	%
Benefit of net non-interest bearing liabilities		0.09	%		0.10	%		0.09	%		0.10	%
Net interest margin		3.32	%		3.51	%		3.36	%		3.49	%
Taxable equivalent adjustment		0.12	%		0.13	%		0.13	%		0.14	%
Net interest margin, fully taxable equivalent		3.44	%		3.64	%		3.49	%		3.63	%

Net interest income, which is WesBanco’s largest source of revenue, is the difference between interest income on earning assets, primarily loans and securities, and interest expense on liabilities (deposits and short and long-term borrowings). Net interest income is affected by the general level and changes in interest rates, the steepness and shape of the yield curve, changes in the amount and composition of interest earning assets and interest bearing liabilities, as well as the frequency of repricing of existing assets and liabilities. Net interest income increased $12.5 million or 25.8% in the second quarter of 2015 compared to the second quarter of 2014 due to a 33.2% increase in average earning assets, primarily from the acquisition, and through a 7.8% increase in average loan balances, exclusive of ESB, partially offset by a 20 basis point decrease in the net interest margin. Year-to-date, net interest income increased $20.1 million or 21.0%. Average loan balances increased by $1.0 billion or 25.7% from the second quarter of 2014, of which $293.4 million of the increase was from organic loan growth. Total average deposits increased by $1.2 billion or 23.9% as all major categories within deposits increased. Excluding the ESB acquisition, average certificates of deposit, which have the highest interest cost among interest bearing deposits, decreased by $182.4 million or 12.6%, while all other deposit types increased by $201.6 million or 5.4%. These lower-cost and non-interest bearing deposit increases were the result of marketing campaigns, customer incentives, wealth management and business initiatives as well as deposits from Marcellus and Utica shale gas bonus and royalty payments. The net interest margin decreased to 3.44% in the second quarter of 2015 compared to 3.64% in the same quarter of 2014, primarily due to a 51 basis point decline in the average rate earned on securities due to lower yields on ESB’s retained securities portfolio and other purchased securities. The decrease in the margin is also due to asset and liability mix shifts post-ESB, with a greater percentage of lower-yielding investment securities and a greater percentage of CDs versus lower-cost deposit types. The cost of funds continued to improve, declining 11 basis points from the second quarter of 2014 due primarily to a 33 basis point decrease in the average rate on CDs, increases in the percentage of lower-cost and non-interest bearing deposit balances to total deposits and lower rates on FHLB and other borrowings. Excluding accretion of various purchase accounting adjustments related to recent acquisitions and the interest recognized on a tax refund in 2014, the net interest margin would have been 3.32% and 3.38% in the second quarter and year-to-date periods of 2015, respectively, compared to 3.57% and 3.58% for the same periods of 2014.

Interest income increased in the second quarter of 2015 by $12.7 million or 23.5% and by $19.6 million or 18.2% in the first half of 2015 compared to the same periods in 2014 due to higher average balances of earning assets acquired both in the ESB acquisition and organically, partially offset by lower yields on loans and on the investment portfolio. Rates decreased 10 basis points in the second quarter on average loan balances from reduced rates on acquired, newly-originated and contractually-repricing assets due to the necessity of offering lower rates on quality credits in an increasingly competitive and low interest rate environment. However, the increase in average loan balances helped to mitigate the effect of the lower rates, as rates earned on loans are higher than those on securities. In the second quarter of 2015, average loans represented 66.7% of average earning assets, decreasing from 70.7% in the same quarter of 2014 due to the acquired ESB loan portfolio being smaller than the acquired investment portfolio. Total securities yields decreased by 51 basis points in the second quarter of 2015 from the same period in 2014 due to lower yields on ESB’s retained securities portfolio and other purchased securities at current lower available interest rates. The former ESB securities portfolio was also restructured and not fully invested until June which accounted for approximately $0.8 million in potential interest income. Within the investment portfolio, the average rate declined on taxable and tax-exempt securities by 37 and 60 basis points, respectively, from the second quarter of 2014. The average balance of tax-exempt securities, which provide the highest yield within securities, increased $135.9 million or 33.4% over the last year, but were only 22.6% of total average securities in the second quarter of 2015 compared to 25.7% in the second quarter of 2014, further contributing to the overall lower yield on total securities. Taxable securities balances increased by $684.2 million or 58.1% from the second quarter of 2014 as a significant portion of the acquired securities consisted of 10-15 year residential mortgage pools. Shorter-term mortgage pools reduce the average life of the portfolio, particularly for the portion accounted for as available-for-sale, positioning the Bank for possible future increases in interest rates, while maintaining required levels of pledgeable securities.

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Portfolio loans increased $987.5 million in the twelve months ended June 30, 2015 with $700.9 million from the ESB acquisition and $286.6 million from loan growth exclusive of ESB as originations continued to outpace paydowns. Organic loan growth from December 31, 2014, annualized, was 7.2%, primarily due to $825 million in loan originations for the first half of 2015 compared to $625 million for the first half of last year. Loan growth occurred in all major categories with approximately 25.1% of the growth in commercial and industrial loans. Loan growth was driven by increased business activity, additional commercial and residential lending personnel in our urban markets, focused marketing efforts, and continued improvement in loan origination processes.

Interest expense increased $0.2 million or 3.5% in the second quarter of 2015 and, despite the acquisition of ESB’s deposits of $1.2 billion, decreased $0.5 million or 4.3% in the first six months of 2015 compared to the same periods in 2014. The increase in the second quarter was due to an increase in the average balance of FHLB borrowings, generally short to medium term, offset somewhat by a continued reduction in the rate paid on interest bearing liabilities. Total average interest bearing liabilities increased $1.5 billion or 33.2% in the second quarter due to deposits from the ESB acquisition, increased organic deposits and the increased short to medium-term FHLB borrowings. The average rate paid on interest bearing liabilities decreased 11 basis points in the second quarter of 2015 compared to the same period in 2014. Rates paid on overall interest bearing deposits declined by 12 basis points to 0.31% in the second quarter predominantly due to a 33 basis point decline in rates on certificates of deposit, as a result of management reducing offered rates and the repricing, through purchase accounting, of acquired CDs on the acquisition date at lower market rates. The rates paid on other deposit types remained nearly unchanged in the second quarter. Changes in the deposit funding mix somewhat offset the decrease in the rates paid, with average certificates of deposit increasing to 28.9% of total average deposits compared to 27.9% in the second quarter of last year, due exclusively to the acquisition of ESB. WesBanco continues to focus on reducing rate offerings and growing customers with multiple banking relationships, as opposed to single service certificates of deposit customers. The average balance of FHLB and other borrowings increased in the second quarter of 2015 to 10.0% of total interest bearing liabilities from 2.9% in the same period of 2014. Increased average FHLB borrowings at lower borrowing rates reduced the second quarter rate by 203 basis points compared to the second quarter of 2014. In addition, the average rate on other borrowings decreased 98 basis points through the prepayment of a higher-rate $22.0 million repurchase agreement with another bank in the third quarter of 2014, and through maturities.

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TABLE 2. AVERAGE BALANCE SHEETS AND NET INTEREST MARGIN ANALYSIS

	For the Three Months Ended June 30,										For the Six Months Ended June 30,
	2015					2014					2015					2014
	Average		Average			Average		Average			Average		Average			Average		Average
(unaudited, dollars in thousands)	Balance		Rate			Balance		Rate			Balance		Rate			Balance		Rate
ASSETS
Due from banks - interest bearing	$	17,291		0.16	%	$	24,134		0.33	%	$	19,959		0.16	%	$	37,567		0.22	%
Loans, net of unearned income (1)		4,902,309		4.28	%		3,898,740		4.38	%		4,725,764		4.27	%		3,886,334		4.43	%
Securities: (2)
Taxable		1,861,123		2.16	%		1,176,963		2.53	%		1,641,531		2.26	%		1,159,072		2.53	%
Tax-exempt (3)		542,654		4.60	%		406,718		5.20	%		499,102		4.68	%		403,275		5.20	%
Total securities		2,403,777		2.71	%		1,583,681		3.22	%		2,140,633		2.82	%		1,562,347		3.22	%
Other earning assets (4)		23,515		5.29	%		10,853		21.82	%		19,993		9.38	%		11,209		11.97	%
Total earning assets (3)		7,346,892		3.76	%		5,517,408		4.06	%		6,906,349		3.82	%		5,497,457		4.07	%
Other assets		932,695					702,230					890,051					705,703
Total Assets	$	8,279,587				$	6,219,638				$	7,796,400				$	6,203,160
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest bearing demand deposits	$	1,175,022		0.17	%	$	905,080		0.18	%	$	1,094,115		0.17	%	$	896,347		0.17	%
Money market accounts		1,027,245		0.19	%		974,731		0.19	%		1,005,218		0.19	%		960,153		0.19	%
Savings deposits		1,072,988		0.06	%		824,641		0.06	%		1,018,449		0.06	%		816,720		0.06	%
Certificates of deposit		1,848,654		0.62	%		1,444,224		0.95	%		1,744,271		0.66	%		1,474,247		0.96	%
Total interest bearing deposits		5,123,909		0.31	%		4,148,676		0.43	%		4,862,053		0.33	%		4,147,467		0.44	%
Federal Home Loan Bank borrowings		484,505		0.79	%		24,926		2.82	%		361,427		0.84	%		29,949		2.60	%
Other borrowings		100,099		0.37	%		104,109		1.35	%		106,647		0.31	%		109,687		1.67	%
Junior subordinated debt		129,189		2.76	%		106,151		3.01	%		124,128		2.90	%		106,146		3.02	%
Total interest bearing liabilities (1)		5,837,702		0.41	%		4,383,862		0.52	%		5,454,255		0.42	%		4,393,249		0.54	%
Non-interest bearing demand deposits		1,282,327					1,022,331					1,233,328					1,002,822
Other liabilities		59,256					40,393					107,473					41,104
Shareholders’ equity		1,100,302					773,052					1,001,344					765,985
Total Liabilities and Shareholders’ Equity	$	8,279,587				$	6,219,638				$	7,796,400				$	6,203,160
Taxable equivalent net interest spread				3.35	%				3.54	%				3.40	%				3.53	%
Taxable equivalent net interest margin				3.44	%				3.64	%				3.49	%				3.63	%

(1) Gross of allowance for loan losses and net of unearned income. Includes non-accrual and loans held for sale. Loan fees included in interest income on loans totaled $0.3 million and $0.8 million for the three months ended June 30, 2015 and 2014, respectively, and $0.7 million and $1.7 million for the six months ended June 30, 2015 and 2014, respectively. Additionally, loan accretion included in net interest income on loans acquired from prior acquisitions was $1.1 million and $0.3 million for the three months ended June 30, 2015 and 2014, respectively, and $1.9 million and $0.7 million for the six months ended June 30, 2015 and 2014, respectively, while accretion on interest bearing liabilities from prior acquisitions was $1.7 million and $0.2 million for the three months ended June 30, 2015 and 2014, respectively, and $1.9 million and $0.4 million for the six months ended June 30, 2015 and 2014, respectively.

(2) Average yields on available-for-sale securities are calculated based on amortized cost and include premium amortization and discount accretion from prior acquisitions.

(3) Taxable equivalent basis is calculated on tax-exempt securities using a tax rate of 35% for each year presented.

(4) Interest income on other earning assets includes $0.5 million of interest on a federal income tax refund for the three and six months ended June 30, 2014.

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TABLE 3. RATE/VOLUME ANALYSIS OF CHANGES IN INTEREST INCOME AND INTEREST EXPENSE

	Three Months Ended June 30, 2015 Compared to June 30, 2014									Six Months Ended June 30, 2015 Compared to June 30, 2014
(unaudited, in thousands)	Volume			Rate			Net Increase (Decrease)			Volume			Rate			Net Increase (Decrease)
Increase (decrease) in interest income:
Due from banks - interest bearing	$	(4	)	$	(9	)	$	(13	)	$	(16	)	$	(10	)	$	(26	)
Loans, net of unearned income		10,729			(959	)		9,770			16,376			(1,631	)		14,745
Taxable securities		3,821			(1,230	)		2,591			6,310			(2,444	)		3,866
Tax-exempt securities (1)		1,614			(665	)		949			2,316			(1,141	)		1,175
Other earning assets		372			(652	)		(280	)		436			(169	)		267
Total interest income change (1)		16,532			(3,515	)		13,017			25,422			(5,395	)		20,027
Increase (decrease) in interest expense:
Interest bearing demand deposits		112			(22	)		90			165			(26	)		139
Money market accounts		25			(1	)		24			42			(4	)		38
Savings deposits		38			(8	)		30			62			(14	)		48
Certificates of deposit		810			(1,363	)		(553	)		1,143			(2,454	)		(1,311	)
Federal Home Loan Bank borrowings		988			(214	)		774			1,549			(428	)		1,121
Other borrowings		(13	)		(245	)		(258	)		(24	)		(718	)		(742	)
Junior subordinated debt		163			(71	)		92			260			(63	)		197
Total interest expense change		2,123			(1,924	)		199			3,197			(3,707	)		(510	)
Net interest income increase (decrease) (1)	$	14,409		$	(1,591	)	$	12,818		$	22,225		$	(1,688	)	$	20,537

(1) Taxable equivalent basis is calculated on tax-exempt securities using a tax rate of 35% for each year presented.

PROVISION FOR CREDIT LOSSES

The provision for credit losses is the amount to be added to the allowance for credit losses after net charge-offs have been deducted to bring the allowance to a level considered appropriate to absorb probable losses in the loan portfolio. The provision for credit losses also includes the amount to be added to the reserve for loan commitments to bring that reserve to a level considered appropriate to absorb probable losses on unfunded commitments. The provision for credit losses was $2.7 million in the second quarter of 2015 compared to $0.8 million in the same quarter of 2014. Year-to-date, the provision was $4.0 million compared to $3.0 million in the first six months of 2014. Net charge-offs for the first half of 2015 were $4.9 million or 0.21% of average portfolio loans compared to $4.7 million or 0.25% in first half of 2014. The increase in both the provision and charge-offs was primarily due to one non-energy industry-related commercial credit placed on nonaccrual and charged-down by $1.3 million. Portfolio growth also impacted the provision. However, other credit quality metrics, including the loans acquired in the ESB acquisition, continue to improve overall. Non-performing loans, including TDRs, as well as criticized and classified loans and delinquencies, improved as a percentage of total portfolio loans from their pre-acquisition levels in the fourth quarter of 2014 and from the second quarter of 2014. (Please see the Allowance for Credit Losses section of this MD&A for additional discussion).

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NON-INTEREST INCOME

TABLE 4. NON-INTEREST INCOME

	For the Three Months											For the Six Months
	Ended June 30,											Ended June 30,
(unaudited, dollars in thousands)	2015		2014			$ Change			% Change			2015		2014			$ Change			% Change
Trust fees	$	5,476	$	5,210		$	266			5.1	%	$	11,529	$	10,858		$	671			6.2	%
Service charges on deposits		4,249		4,078			171			4.2	%		7,918		7,937			(19	)		(0.2	%)
Electronic banking fees		3,496		3,267			229			7.0	%		6,821		6,281			540			8.6	%
Net securities brokerage revenue		1,842		2,003			(161	)		(8.0	%)		3,901		3,832			69			1.8	%
Bank-owned life insurance		989		1,821			(832	)		(45.7	%)		2,244		2,695			(451	)		(16.7	%)
Net gains on sales of mortgage loans		407		475			(68	)		(14.3	%)		679		628			51			8.1	%
Net securities gains		—		165			(165	)		(100.0	%)		22		175			(153	)		(87.4	%)
Net gain / (loss) on other real estate owned and other assets		152		(165	)		317			192.1	%		185		(52	)		237			455.8	%
Net insurance services revenue		668		662			6			0.9	%		1,531		1,404			127			9.0	%
Other		793		725			68			9.4	%		1,424		1,532			(108	)		(7.0	%)
Total non-interest income	$	18,072	$	18,241		$	(169	)		(0.9	%)	$	36,254	$	35,290		$	964			2.7	%

Non-interest income is a significant source of revenue and an important part of WesBanco’s results of operations. WesBanco offers its customers a wide range of retail, commercial, investment and electronic banking services, which are viewed as a vital component of WesBanco’s ability to attract and maintain customers, as well as providing additional fee income beyond normal spread-related income to WesBanco. For the first six months of 2015, non-interest income increased $1.0 million or 2.7% compared to 2014. The increase was primarily due to improved trust fee income and electronic banking fees, while bank owned-life insurance income was down $0.5 million due to decreased death benefits year over year. For the second quarter non-interest income decreased $0.2 million primarily due to decreased bank-owned life insurance death benefits, while trust fees and asset gains increased. Service charges on deposits also increased due to the addition of ESB and an overall higher fee schedule.

Trust fees increased $0.3 million or 5.1% compared to the second quarter of 2014, and $0.7 million or 6.2% compared to the first six months as average assets under management continued to increase from customer development initiatives and overall market improvements. Total trust assets were $3.8 billion at June 30, 2015 and 2014. At June 30, 2015, trust assets include managed assets of $3.2 billion and non-managed (custodial) assets of $0.6 billion. Assets managed for the WesMark Funds, a proprietary group of mutual funds that is advised by WesBanco’s trust and investment services group, were $947.8 million as of June 30, 2015 and $941.3 million at June 30, 2014 and are included in trust managed assets.

Service charges on deposits increased $0.2 million or 4.2% compared to the second quarter of 2014 due to the larger customer deposit base from the recent acquisition and an overall higher fee schedule, somewhat offset by lower customer usage patterns.

Electronic banking fees, which include debit card interchange fees, continued to grow, increasing 8.6% compared to the first half of 2014, due to a higher volume of debit card transactions from the acquisition and WesBanco’s legacy customers. The volume increase is due to marketing and process initiatives and as customers move more towards electronic transactions and a higher percentage of customers using these products.

Net gains on sales of mortgage loans increased 8.1% in the first half of 2015 compared to 2014. Total mortgage production was $153.6 million in the first half of 2015, up 27.7% from the comparable 2014 period. Mortgages sold into the secondary market represented $58.5 million or 38.1% of overall mortgage loan production in the first half of 2015 compared to $45.7 million or 38.0% in the first half of 2014.

Gain /(loss) on other real estate and other assets increased from the second quarter and first half of 2014 primarily due to a $0.2 million write-down of computer equipment in 2014 resulting from the implementation of a company-wide modernization of communication infrastructure in 2014.

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NON-INTEREST EXPENSE

TABLE 5. NON-INTEREST EXPENSE

	For the Three Months											For the Six Months
	Ended June 30,											Ended June 30,
(unaudited, dollars in thousands)	2015			2014		$ Change			% Change			2015		2014		$ Change			% Change
Salaries and wages	$	19,300		$	16,904	$	2,396			14.2	%	$	37,636	$	33,370	$	4,266			12.8	%
Employee benefits		6,807			5,529		1,278			23.1	%		14,123		11,238		2,885			25.7	%
Net occupancy		3,243			2,857		386			13.5	%		6,765		6,348		417			6.6	%
Equipment		3,017			2,914		103			3.5	%		5,958		5,698		260			4.6	%
Marketing		1,715			1,713		2			0.1	%		2,707		2,716		(9	)		(0.3	%)
FDIC insurance		1,040			880		160			18.2	%		1,950		1,757		193			11.0	%
Amortization of intangible assets		944			482		462			95.9	%		1,510		977		533			54.6	%
Restructuring and merger-related expenses		1,115			—		1,115			0.0	%		10,848		—		10,848			0.0	%
Miscellaneous, franchise, and other taxes		1,520			1,612		(92	)		(5.7	%)		3,081		3,237		(156	)		(4.8	%)
Postage		869			851		18			2.1	%		1,657		1,692		(35	)		(2.1	%)
Consulting, regulatory, accounting and advisory fees		1,136			874		262			30.0	%		2,488		2,018		470			23.3	%
Other real estate owned and foreclosure expenses		(155	)		180		(335	)		(186.1	%)		14		439		(425	)		(96.8	%)
Legal fees		675			711		(36	)		(5.1	%)		1,216		1,369		(153	)		(11.2	%)
Communications		422			353		69			19.5	%		768		873		(105	)		(12.0	%)
ATM and interchange expenses		1,069			1,071		(2	)		(0.2	%)		2,091		2,173		(82	)		(3.8	%)
Supplies		781			601		180			30.0	%		1,418		1,227		191			15.6	%
Other		3,091			2,772		319			11.5	%		5,817		5,266		551			10.5	%
Total non-interest expense	$	46,589		$	40,304	$	6,285			15.6	%	$	100,047	$	80,398	$	19,649			24.4	%

Non-interest expense increased $6.3 million in the second quarter, principally from the acquisition, and $1.1 million of merger-related expenses. Excluding merger-related expenses, non-interest expense increased $5.2 million or 12.8%. Salaries and wages increased $2.4 million or 14.2%, primarily due to a 17.4% increase in average full-time equivalent employees, while employee benefits expense increased $1.3 million or 23.1%, primarily from increased pension, health insurance, social security contributions and other benefit plan costs. Net occupancy increased $0.4 million principally due to increased building-related costs. Amortization of intangible assets increased $0.5 million from additional ESB intangible assets. For the first half of 2015, non-interest expense increased by $8.8 million or 10.9%, excluding merger related expenses, compared to the first half of 2014. Increases in the second quarter and first half of 2015 were primarily in salaries and wages, employee benefits, occupancy and amortization of intangibles from operating the 23 ESB offices. Even with the acquisition, other expenses including franchise tax, postage, legal and ATM expenses were down from last year due to efficiencies applied in several of our vendor contracts and lower REO costs. The merger of ESB’s information systems into WesBanco’s resulted in additional cost savings, beyond those noted above, in the latter part of the second quarter which, along with other identified cost savings, will benefit future earnings.

Salaries and wages increased $2.4 million or 14.2% from the second quarter of 2014 and $4.3 million or 12.8% over the first half of 2014 due to a 17.4% increase in average full-time equivalent employees and routine annual adjustments to compensation, partially offset by increased deferrals of loan costs. Salaries and wages in the first half of 2015 also include $0.8 million related to temporary post-merger personnel costs incurred as a result of the timing of the April 24 weekend systems and branch conversions. Employee benefit expenses increased 25.7% year-to-date, primarily from increased pension, health insurance, social security contributions and other benefit plan costs including the addition of ESB’s personnel.

Net occupancy and equipment expense increased $0.7 million or 5.6% in the first half of 2015 due to increased building-related costs including utilities, depreciation and other maintenance costs resulting primarily from the 23 ESB offices. In addition, new teller cash recycling machines continue to be introduced into our branches, which have improved the speed of customer service, improved cash controls and reduced full-time equivalent employees.

Amortization of intangible assets increased $0.5 million in the first half of 2015 due to the ESB acquisition, which added approximately $5.3 million in core deposit intangibles and $2.2 million in non-compete agreements with former ESB executives with contracts ranging from one to four years.

Restructuring and merger-related expenses of $10.8 million in 2015 related to the ESB acquisition include $7.7 million in executive change-in-control and employee severance expenses, $1.7 million in investment banking services, $0.5 million in audit and valuation services, $0.4 million in marketing expenses, $0.3 million in legal expenses and $0.2 million of various other merger-related expenses.

Other real estate owned and foreclosure expenses decreased $0.4 million in 2015 compared to 2014 due to lower foreclosure and liquidation activity even as related assets increased. Other real estate owned and repossessed assets increased $1.1 million from the second quarter of 2014 to $6.2 million due to the ESB acquisition, which added approximately $1.4 million.

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Communications expense decreased 12.0% from the first half of 2014, despite increased costs related to the acquisition, due to the implementation of a company-wide modernization of the communication infrastructure during 2014.

INCOME TAXES

The provision for federal and state income taxes was $12.5 million in 2015 compared to $12.2 million in the first half of 2014. The increase in income tax expense was due to an increase in pre-tax income, partially offset by a $0.5 million benefit relating to the completion of an IRS audit which closed the 2011 and 2012 tax years, which resulted in an effective tax rate of 26.0% for 2015 compared to 25.7% for 2014. The effective tax rate is anticipated to range between 26.5% and 27.5% for the remainder of 2015.

FINANCIAL CONDITION

Total assets increased 33.0% during the first six months of 2015, while deposits and shareholders’ equity increased 24.0% and 38.9%, respectively, compared to December 31, 2014 primarily due to the acquisition of ESB. Total portfolio loans increased $846.9 million or 20.7% with $700.9 million from the ESB acquisition and the remaining $146.0 million from WesBanco’s originations outpacing pay downs, which were a result of increased business activity, additional lending personnel, focused marketing efforts, an expanded presence in larger urban markets, and continued improvement in the loan origination process. Deposits increased $1.2 billion from the ESB acquisition. Organic deposits were virtually unchanged as savings, demand and money market deposits increased 4.6%, 0.3% and 0.1%, respectively, while certificates of deposit decreased 6.9% due to lower rate offerings on maturities. The increase in demand deposits and savings deposits were attributable to marketing, incentives paid to customers, focused retail and business strategies to obtain more account relationships, and customers’ preference for short-term maturities, coupled with initial deposits from bonus and royalty payments for Marcellus and Utica shale gas payments from energy companies in WesBanco’s southwestern Pennsylvania, eastern Ohio and northern West Virginia markets. Total borrowings increased 134.5% during the first six months of 2015. FHLB borrowings increased $558.2 million from December 31, 2014, due primarily to $124.7 million in new borrowings, coupled with $433.5 million in FHLB borrowings provided from the ESB acquisition. New borrowings were utilized to manage WesBanco’s normal liquidity needs, including loan and investment funding, as well as certificates of deposit runoff. Total shareholders’ equity increased by approximately $306.5 million or 38.9%, compared to December 31, 2014, primarily due to $293.6 million of common stock issued in the ESB acquisition and net income exceeding dividends for the period by $17.8 million, which was partially offset by a $2.9 million decrease in accumulated other comprehensive income.

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TABLE 6. COMPOSITION OF SECURITIES (1)

	June 30,			December 31,
(unaudited, dollars in thousands)	2015			2014			$ Change			% Change
Available-for-sale (at fair value)
Obligations of government agencies	$	81,037		$	87,736		$	(6,699	)		(7.6	)
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,232,422			701,113			531,309			75.8
Obligations of states and political subdivisions		92,771			91,433			1,338			1.5
Corporate debt securities		177,314			25,996			151,318			582.1
Total debt securities		1,583,544			906,278			677,266			74.7
Equity securities		11,114			11,146			(32	)		(0.3	)
Total available-for-sale securities	$	1,594,658		$	917,424		$	677,234			73.8
Held-to-maturity (at amortized cost)
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies	$	120,576		$	79,004		$	41,572			52.6
Obligations of states and political subdivisions		718,230			507,927			210,303			41.4
Corporate debt securities		9,610			6,739			2,871			42.6
Total held-to-maturity securities		848,416			593,670			254,746			42.9
Total securities	$	2,443,074		$	1,511,094		$	931,980			61.7
Available-for-sale securities:
Weighted average yield at the respective period end (2)		2.06	%		2.34	%
As a % of total securities		65.3	%		60.7	%
Weighted average life (in years)		4.0			4.0
Held-to-maturity securities:
Weighted average yield at the respective period end (2)		4.17	%		4.67	%
As a % of total securities		34.7	%		39.3	%
Weighted average life (in years)		5.8			5.1
Total securities:
Weighted average yield at the respective period end (2)		2.79	%		3.27	%
As a % of total securities		100.0	%		100.0	%
Weighted average life (in years)		4.6			4.4

(1) At June 30, 2015 and December 31, 2014, there were no holdings of any one issuer, other than the U.S. government and certain federal or federally-related agencies, in an amount greater than 10% of WesBanco’s shareholders’ equity.

(2) Weighted average yields have been calculated on a taxable-equivalent basis using the federal statutory tax rate of 35%.

Total investment securities, which are a source of liquidity for WesBanco as well as a contributor to interest income, increased by $932.0 million or 61.7% from December 31, 2014 to June 30, 2015. This increase is attributable to the ESB acquisition, from both inherited securities of $486.9 million and newly purchased securities in the three to four month period thereafter totaling $604.6 million to replace those securities sold from ESB’s portfolio prior to closing. Partially offsetting the acquired securities and purchases in the first six months of 2015 were maturities, paydowns, and calls that totaled $147.7 million. Through the first six months of 2015, the available-for-sale portfolio increased by $677.2 million or 73.8%, while the held-to-maturity portfolio increased by $254.7 million or 42.9%. The weighted average yield of the portfolio declined from 3.27% at December 31, 2014 to 2.79% at June 30, 2015 due to the lower-yielding ESB acquired portfolio and purchases of securities in the first and second quarters at lower market rates.

Net unrealized (losses) gains on available-for-sale securities included in accumulated other comprehensive income, net of tax, as of June 30, 2015 and December 31, 2014 were ($0.8) million and $2.9 million, respectively. Unrealized gains decreased on available-for-sale securities due to an increase in market rates from December 31, 2014. With approximately 35% of the investment portfolio in the held-to-maturity category, the recent volatility in interest rates does not have as much impact on other comprehensive income as if the entire portfolio were included in the category available-for-sale.

ESB’s total pre-merger investment portfolio of $1.0 billion was restructured through a specific security sale strategy with replacement purchases occurring after the merger to achieve specific overall portfolio characteristics as to weighted average life, duration and tax equivalent yield. The replacement purchases were not completed until June which accounted for approximately $0.8 million in potential interest income.

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WesBanco’s municipal portfolio comprises 33.2% of the overall securities portfolio as of June 30, 2015 as compared to 39.7% as of December 31, 2014, and it carries different risks that are not as prevalent in other security types contained in the portfolio. The following table presents the allocation of the municipal bond portfolio based on the combined S&P and Moody’s ratings of the individual bonds (at fair value):

TABLE 7. MUNICIPAL BOND RATINGS

	June 30, 2015				December 31, 2014
(unaudited, dollars in thousands)	Amount		% of Total		Amount		% of Total
Municipal bonds (at fair value) (1):
Moody’s: Aaa / S&P: AAA	$	81,044		9.8	$	50,205		8.1
Moody’s: Aa1 ; Aa2 ; Aa3 / S&P: AA+ ; AA ; AA-		606,780		73.5		449,219		72.1
Moody’s: A1 ; A2 ; A3 / S&P: A+ ; A ; A-		133,698		16.2		117,398		18.9
Moody’s: Baa1 ; Baa2 ; Baa3 / S&P: BBB+ ; BBB ; BBB- (2)		1,796		0.2		1,958		0.3
Not rated by either agency		2,167		0.3		3,454		0.6
Total municipal bond portfolio	$	825,485		100.0	$	622,234		100.0

(1) The highest available rating was used when placing the bond into a category in the table.

(2) As of June 30, 2015 and December 31, 2014, there are no securities in the municipal portfolio rated below investment grade.

WesBanco’s municipal bond portfolio consists of both taxable (primarily Build America Bonds) and tax-exempt general obligation and revenue bonds. The following table presents additional information regarding the municipal bond type and issuer (at fair value):

TABLE 8. COMPOSITION OF MUNICIPAL SECURITIES

	June 30, 2015				December 31, 2014
(unaudited, dollars in thousands)	Amount		% of Total		Amount		% of Total
Municipal bond type:
General Obligation	$	582,174		70.5	$	432,967		69.6
Revenue		243,311		29.5		189,267		30.4
Total municipal bond portfolio	$	825,485		100.0	$	622,234		100.0
Municipal bond issuer:
State Issued	$	77,445		9.4	$	53,931		8.7
Local Issued		748,040		90.6		568,303		91.3
Total municipal bond portfolio	$	825,485		100.0	$	622,234		100.0

The amortized cost of the municipal bond portfolio at June 30, 2015 and December 31, 2014 was $806.5 million and $594.0 million, respectively.

WesBanco’s municipal bond portfolio is broadly spread across the United States. The following table presents the top five states of municipal bond concentration based on total fair value at June 30, 2015:

TABLE 9. CONCENTRATION OF MUNICIPAL SECURITIES

	June 30, 2015
(unaudited, dollars in thousands)	Fair Value		% of Total
Pennsylvania	$	191,805		23.2
Texas		110,364		13.4
Ohio		92,693		11.2
Illinois		43,176		5.2
Kentucky		28,919		3.5
All other states (1)		358,528		43.5
Total municipal bond portfolio	$	825,485		100.0

(1) WesBanco’s municipal bond portfolio contains obligations in the state of West Virginia totaling $19.2 million or 2.3% of the total municipal portfolio.

WesBanco uses prices from independent pricing services and, to a lesser extent, indicative (non-binding) quotes from independent brokers, to measure the fair value of its securities. WesBanco validates prices received from pricing services or brokers using a variety of methods, including, but not limited to, comparison to secondary pricing services, corroboration of pricing by reference to other independent market data such as secondary broker quotes and relevant benchmark indices, review of pricing by personnel familiar with market liquidity and other market-related conditions, review of pricing service methodologies, review of independent auditor reports received from the pricing service regarding its internal controls, and through review of inputs and assumptions used in pricing certain securities thinly traded or with limited observable data points. The procedures in place provide management with a sufficient understanding of the valuation models, assumptions, inputs and pricing to reasonably measure the fair value of WesBanco’s securities. For additional disclosure relating to fair value measurements, refer to Note 7, “Fair Value Measurement” in the Consolidated Financial Statements.

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LOANS AND CREDIT RISK

Loans represent WesBanco’s single largest balance sheet asset classification and the largest source of interest income. Business purpose loans consist of commercial real estate (“CRE”) loans and other commercial and industrial (“C&I”) loans that are not secured by real estate. CRE loans are further segmented into land and construction loans, and loans for improved property. Consumer purpose loans consist of residential real estate loans, home equity lines of credit and other consumer loans. Loans held for sale generally consist of residential real estate loans originated for sale in the secondary market, but at times may also include other types of loans. The outstanding balance of each major category of the loan portfolio is summarized in Table 10.

The risk that borrowers will be unable or unwilling to repay their obligations and default on loans is inherent in all lending activities. Credit risk arises from many sources including general economic conditions, external events that impact businesses or industries, isolated events that impact a major employer, individual loss of employment or other personal hardships as well as changes in interest rates or the value of collateral. Credit risk is also impacted by a concentration of exposure within a geographic market or to one or more borrowers, industries or collateral types. The primary goal in managing credit risk is to minimize the impact of default by an individual borrower or group of borrowers. Credit risk is managed through the initial underwriting process as well as through ongoing monitoring and administration of the portfolio that varies by the type of loan. The Bank’s credit policies establish standard underwriting guidelines for each type of loan and require an appropriate evaluation of the credit characteristics of each borrower. This evaluation includes the borrower’s primary source of repayment capacity; the adequacy of collateral, if any, to secure the loan; the potential value of personal guarantees as secondary sources of repayment; and other factors unique to each loan that may increase or mitigate its risk. Credit bureau scores are also considered when evaluating consumer purpose loans as well as guarantors of business purpose loans. However, the Bank does not periodically update credit bureau scores subsequent to when loans are made to determine changes in credit history.

Credit risk is mitigated for all types of loans by continuously monitoring delinquency levels and pursuing collection efforts at the earliest stage of delinquency. The Bank also monitors general economic conditions, including employment, housing activity and real estate values in its market. The Bank also periodically evaluates and changes its underwriting standards when warranted based on market conditions, the historical performance of a category of the portfolio, or other external factors. Credit risk is also regularly evaluated for the impact of adverse economic and other events that increase the risk of default and the potential loss in the event of default to understand their impact on the Bank’s earnings and capital.

TABLE 10. COMPOSITION OF LOANS (1)

	June 30, 2015				December 31, 2014
(unaudited, dollars in thousands)	Amount		% of Loans		Amount		% of Loans
Commercial real estate:
Land and construction	$	308,885		6.3	$	262,643		6.4
Improved property		1,885,228		38.1		1,682,817		41.1
Total commercial real estate		2,194,113		44.4		1,945,460		47.5
Commercial and industrial		733,478		14.8		638,410		15.6
Residential real estate:
Land and construction		37,662		0.8		19,681		0.5
Other		1,203,808		24.3		909,089		22.2
Home equity		379,740		7.7		330,031		8.1
Consumer		384,844		7.8		244,095		6.0
Total portfolio loans		4,933,645		99.8		4,086,766		99.9
Loans held for sale		11,160		0.2		5,865		0.1
Total loans	$	4,944,805		100.0	$	4,092,631		100.0

(1) Loans are presented gross of the allowance for loan losses and net of unearned income, credit valuation adjustments, and unamortized net deferred loan fee income and loan origination costs.

Total loans increased $852.2 million compared to December 31, 2014 with $700.9 million from the ESB acquisition. Organic loan growth from December 31, 2014, annualized, was 7.2%, primarily achieved through $825 million in loan originations for the first half of 2015 compared to $625 million last year. Loan growth, excluding ESB, occurred in all major loan categories, with approximately 25.1% of the growth in commercial and industrial loans. Loan growth was driven by increased business activity, additional commercial and residential lending personnel in our urban markets, focused marketing efforts, an expanded presence in our larger urban markets, a reduction in unscheduled payoffs and a less severe winter that did not stifle certain types of business activity as much as it did the prior year. Excluding the ESB acquisition, CRE and C&I loans provided the most significant organic growth, respectively increasing 2.2% and 5.9% from December 31, 2014, while home equity and consumer loans increased 7.3% and 12.3%, respectively. The increase in CRE loans was driven by an 11.3% increase in CRE land and construction lending. Organic loan growth was achieved without sacrificing profitability, loan structure and credit quality of the loan portfolio despite a highly competitive lending market for high quality borrowers.

Total loan commitments, including loans approved but not closed, increased $359.8 million from December 2014 with $85.3 million from the ESB acquisition and the remainder due primarily to increases in CRE land and construction and home equity lines of credit originations.

40

NON-PERFORMING ASSETS, IMPAIRED LOANS AND LOANS PAST DUE 90 DAYS OR MORE

Non-performing assets consist of non-accrual loans and TDRs, other real estate acquired through or in lieu of foreclosure, bank premises held for sale, and repossessed automobiles acquired to satisfy defaulted consumer loans.

TABLE 11. NON-PERFORMING ASSETS

(unaudited, dollars in thousands)	June 30, 2015			December 31, 2014
Non-accrual loans:
Commercial real estate - land and construction	$	1,382		$	1,488
Commercial real estate - improved property		26,103			20,227
Commercial and industrial		7,664			4,110
Residential real estate		10,117			10,329
Home equity		2,251			1,923
Consumer		687			741
Total non-accrual loans (1)		48,204			38,818
TDRs accruing interest:
Commercial real estate - land and construction		1,127			—
Commercial real estate - improved property		2,409			2,437
Commercial and industrial		326			329
Residential real estate		7,850			8,215
Home equity		744			740
Consumer		502			345
Total TDRs accruing interest (1)		12,958			12,066
Total non-performing loans	$	61,162		$	50,884
Other real estate owned and repossessed assets		6,168			5,082
Total non-performing assets	$	67,330		$	55,966
Non-performing loans/total loans		1.24	%		1.25	%
Non-performing assets/total assets		0.80	%		0.89	%
Non-performing assets/total loans, other real estate and repossessed assets		1.36	%		1.37	%

(1) TDRs on nonaccrual of $13.1 million and $5.4 million at June 30, 2015 and December 31, 2014, respectively, are included in total nonaccrual loans.

Non-performing loans, which consist of non-accrual loans and TDRs, increased $10.3 million, or 20.2% from December 31, 2014 with $10.0 million remaining from the ESB acquisition, while legacy non-performing loans increased $0.3 million or 0.6%. Non-performing loans acquired, recognized at their acquisition date fair value of $10.8 million with an unpaid principal balance of $16.1 million, primarily consist of three commercial relationships with an acquisition date aggregate fair value of $10.0 million. Organic non-performing loans increased primarily from the addition of one large commercial credit added in the second quarter offset by an unscheduled principal payment in the first quarter from one large commercial relationship. (Please see the Notes to the Consolidated Financial Statements for additional discussion.)

Other real estate owned and repossessed assets increased $1.1 million from December 31, 2014 to June 30, 2015, primarily due to the ESB acquisition.

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The following table presents past due and accruing loans excluding accruing TDRs:

TABLE 12. PAST DUE AND ACCRUING LOANS EXCLUDING ACCRUING TDRs

(unaudited, dollars in thousands)	June 30, 2015			December 31, 2014
Loans past due 90 days or more:
Commercial real estate - land and construction	$	—		$	71
Commercial real estate - improved property		180			—
Commercial and industrial		3			22
Residential real estate		1,838			1,306
Home equity		228			570
Consumer		222			319
Total loans past due 90 days or more		2,471			2,288
Loans past due 30 to 89 days:
Commercial real estate - land and construction		—			—
Commercial real estate - improved property		698			480
Commercial and industrial		1,135			216
Residential real estate		3,228			3,105
Home equity		2,142			2,524
Consumer		3,117			3,022
Total loans past due 30 to 89 days		10,320			9,347
Total 30 days or more	$	12,791		$	11,635
Loans past due 90 days or more and accruing to total portfolio loans		0.05	%		0.06	%
Loans past due 30-89 days and accruing to total portfolio loans		0.21	%		0.23	%

Loans past due 30 days or more and accruing interest excluding TDRs increased $1.2 million or 9.9% from December 31, 2014 primarily due to the ESB acquisition, however loan delinquency as a percent of total loans improved. These loans continue to accrue interest because they are both well-secured and in the process of collection. Loans past due 30-89 days to total portfolio loans improved to 0.21% from 0.23% at December 31, 2014 and 0.26% at June 30, 2014, representing a 19.2% decrease from a year ago, while loans past due 90 days or more to total portfolio loans improved to 0.05% from 0.06% at December 31, 2014 and 0.07% one year ago. This improvement in delinquency is the result of management’s focus on controlling early stage delinquency as well as improved economic conditions.

42

ALLOWANCE FOR CREDIT LOSSES

Continued improvement in the credit quality of the pre-acquisition legacy portfolio resulted in a decrease in the allowance as supported by improvement in most credit quality metrics in the second quarter, despite an increase in net charge-offs and the provision for credit losses, as total delinquencies and non-performing, criticized and classified loans all decreased as a percentage of loans. The allowance was not affected by the acquired ESB loan portfolio, as these loans were recorded at fair value at the date of acquisition.

The allowance for credit losses decreased $1.2 million from December 31, 2014 to June 30, 2015 as a result of a lower provision expense than net charge-offs, representing 0.88% of total loans at June 30, 2015 compared to 1.09% of total loans at December 31, 2014. However, if the acquired ESB loans (which were recorded at fair value at the date of acquisition) were excluded from the ratio, the allowance would approximate 1.03% of the adjusted loan total. The resulting ratio provides greater coverage over total loans and is considered by management to be a better comparison of the adequacy of the allowance from last year. Portfolio mix shifts also affect management’s evaluation of the overall allowance adequacy.

The allowance for loans individually evaluated was relatively unchanged from December 31, 2014 to June 30, 2015, while the allowance for loans collectively evaluated decreased $1.3 million to $39.5 million due to continued improvement in delinquent, non-performing and classified and criticized loans.

The allowance for loan commitments of $0.8 million at June 30, 2015 increased $0.3 million from December 31, 2014 primarily due to the increase in overall commitments from December 31, 2014.

The allowance for credit losses by loan category, presented in Note 5 “Loans and the Allowance for Credit Losses” to the Consolidated Financial Statements, summarizes the impact of changes in various factors that affect the allowance for loan losses in each segment of the portfolio. The allowance for all segments is impacted by changes in loan balances, as well as changes in historical loss rates adjusted for qualitative factors such as economic conditions. The CRE and C&I segments of the portfolio are also impacted by changes in the risk grading distribution of the portfolio as well as the migration of CRE loans from land and construction to improved property upon the completion of construction.

The loss migration rate by internal risk grade is the primary factor for establishing the allowance for all commercial loans, and the portfolio segment loss history is the primary factor for establishing the allowance for residential real estate, home equity and consumer loans. The categorization of loans as non-performing is not as significant a factor as the loss migration rate by risk grade or the segment loss history, although certain non-performing loans that carry specific reserves are also typically considered classified under the internal risk grading system. Criticized and classified loans were $82.9 million or 1.68% of total loans at June 30, 2015, improving from 1.99% of total loans at December 31, 2014 and 3.08% of total loans from a year ago as credit quality continued to improve, enabling certain loans to be upgraded that were criticized but not classified throughout the economic downturn. The ESB acquisition increased criticized and classified loans by $12.1 million at June 30, 2015.

43

Table 13 summarizes the allocation of the allowance for credit losses to each category of the loan portfolio. The decrease in the allowance for CRE land and construction loans is due primarily to that category of loans consisting of more multi-family apartment and other commercial building construction loans than land and residential development loans, which had higher loss rates during the recession but now represent a much smaller percentage of the category. The increase in the allowance for C&I and home equity loans is primarily attributable to growth in those categories, while the decrease in the allowance for residential real estate and consumer loans reflects lower historical loss rates in each category.

TABLE 13. ALLOCATION OF THE ALLOWANCE FOR CREDIT LOSSES

(unaudited, dollars in thousands)	June 30, 2015		Percent of Total		December 31, 2014		Percent of Total
Allowance for loan losses:
Commercial real estate - land and construction	$	5,103		11.5	$	5,654		12.5
Commercial real estate - improved property		17,228		39.0		17,573		39.0
Commercial and industrial		9,191		20.8		9,063		20.1
Residential real estate		4,764		10.8		5,382		11.9
Home equity		2,688		6.1		2,329		5.2
Consumer		3,902		8.8		4,078		9.0
Deposit account overdrafts		543		1.2		575		1.3
Total allowance for loan losses	$	43,419		98.2	$	44,654		99.0
Allowance for loan commitments:
Commercial real estate - land and construction	$	207		0.5	$	194		0.4
Commercial real estate - improved property		20		0.0		10		0.0
Commercial and industrial		413		0.9		112		0.3
Residential real estate		12		0.0		9		0.0
Home equity		113		0.3		90		0.2
Consumer		40		0.1		40		0.1
Total allowance for loan commitments		805		1.8		455		1.0
Total allowance for credit losses	$	44,224		100.0	$	45,109		100.0

Although the allowance for credit losses is allocated as described in Table 13, the total allowance is available to absorb actual losses in any category of the loan portfolio. However, differences between management’s estimation of probable losses and actual incurred losses in subsequent periods for any category may necessitate future adjustments to the provision for loan losses applicable to the category. Management believes the allowance for credit losses is appropriate to absorb probable losses at June 30, 2015.

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DEPOSITS

TABLE 14. DEPOSITS

(unaudited, dollars in thousands)	June 30, 2015		December 31, 2014		$ Change		% Change
Deposits
Non-interest bearing demand	$	1,257,932	$	1,061,075	$	196,857		18.6
Interest bearing demand		1,156,949		885,037		271,912		30.7
Money market		989,888		954,957		34,931		3.7
Savings deposits		1,075,711		842,818		232,893		27.6
Certificates of deposit		1,778,565		1,305,096		473,469		36.3
Total deposits	$	6,259,045	$	5,048,983	$	1,210,062		24.0

Deposits, which represent WesBanco’s primary source of funds, are offered in various account forms at various rates through WesBanco’s 142 branches. The FDIC insures deposits up to $250,000 per account.

Total deposits increased by $1.2 billion or 24.0% during the first six months of 2015 due to the ESB acquisition which provided $1.2 billion of additional deposits, while organic deposits were relatively unchanged from December 31, 2014. Interest bearing demand and non-interest bearing deposits increased 30.7% and 18.6%, respectively, while savings and money market deposits increased 27.6% and 3.7%, respectively, due to the ESB acquisition and corresponding marketing, incentive compensation paid to customers and employees, focused retail and business strategies to obtain more account relationships and customers’ preferences for shorter-term maturities. The increase was also impacted by initial deposits from bonus and royalty payments for Marcellus and Utica shale gas payments from energy companies in WesBanco’s southwestern Pennsylvania, eastern Ohio and northern West Virginia markets. At June 30, 2015, demand deposits, savings deposits and money market deposits at former ESB branches were $418.4 million, $193.9 million and $26.9 million, respectively.

Certificates of deposit increased $473.5 million due primarily to the ESB acquisition. Certificates of deposit acquired from the ESB acquisition totaled $564.0 million, while organic balances declined 6.9% due to the effects of an overall corporate strategy designed to increase and remix retail deposit relationships with a focus on overall products that can be offered at a lower cost to the Bank. The decline is also impacted by lowered offered rates on maturing certificates of deposit and customer preferences for other non-maturity deposit types. WesBanco does not generally solicit brokered or other deposits out-of-market or over the internet, but does participate in the Certificate of Deposit Account Registry Services (CDARS^®) program and the Insured Cash Sweep (ICS^®) money market deposit program. CDARS^® balances totaled $292.3 million in total outstanding balances at June 30, 2015, of which $208.4 million represented one-way buys, compared to $283.0 million in total outstanding balances at December 31, 2014, of which $172.3 million represented one-way buys. ICS^® reciprocal balances totaled $142.6 million at June 30, 2015 compared to $117.1 million at December 31, 2014. Certificates of deposit greater than $250,000 were approximately $291.3 million at June 30, 2015 compared to $174.7 million at December 31, 2014. Certificates of deposit of $100,000 or more were approximately $924.6 million at June 30, 2015 compared to $706.1 million at December 31, 2014. The increase in jumbo certificates of deposit was primarily due to the acquisition. Certificates of deposit totaling approximately $1.1 billion at June 30, 2015 with a cost of 0.64% are scheduled to mature within the next 12 months. WesBanco will continue to focus on its core deposit strategies and improving its overall mix of transaction accounts to total deposits. From time to time the Bank may offer special promotions on certain certificates of deposit maturities and savings products based on competition, sales strategies, liquidity needs and wholesale borrowing costs.

BORROWINGS

TABLE 15. BORROWINGS

(unaudited, dollars in thousands)	June 30, 2015		December 31, 2014		$ Change			% Change
Federal Home Loan Bank Borrowings	$	781,332	$	223,126	$	558,206			250.2
Other short-term borrowings		73,868		80,690		(6,822	)		(8.5	)
Junior subordinated debt owed to unconsolidated subsidiary trusts		106,196		106,176		20			0.0
Total	$	961,396	$	409,992	$	551,404			134.5

While borrowings are a less significant source of funding for WesBanco compared to total deposits, during the first six months of 2015, FHLB borrowings increased $558.2 million. The acquisition of ESB provided $433.5 million in borrowings, and $124.7 million in new borrowings were utilized to manage WesBanco’s normal liquidity needs, including loan and investment funding, as well as CD runoff. A portion of the replacement investment securities were funded by the new FHLB borrowings.

Other short-term borrowings, which consist of securities sold under agreements to repurchase at June 30, 2015, but may also include federal funds purchased and other borrowings, were $73.9 million at June 30, 2015 compared to $80.7 million at December 31, 2014. The ESB acquisition also provided $36.1 million in junior subordinated debentures which were redeemed in May at a redemption price of 100% of the principal plus accrued and unpaid interest. WesBanco has a revolving line of credit, which is a senior obligation of the parent company, with another financial institution. This line of credit, which accrues interest at an adjusted LIBOR rate, provides for aggregate unsecured borrowings of up to $25.0 million. There were no outstanding balances as of June 30, 2015 or December 31, 2014.

45

OFF-BALANCE SHEET ARRANGEMENTS

WesBanco enters into financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, letters of credit, loans approved but not closed, overdraft limits and contingent obligations to purchase loans funded by other entities. Since many of these commitments expire unused or partially used, these commitments may not reflect future cash requirements. Please refer to Note 9, “Commitments and Contingent Liabilities,” of the Consolidated Financial Statements and the “Loans and Credit Risk” section of this MD&A for additional information.

CAPITAL RESOURCES

Shareholders’ equity was $1.1 billion at June 30, 2015 compared to $788.2 million at December 31, 2014. The increase was due primarily to $293.6 million of common stock issued in the ESB acquisition coupled with net income during the current six month period of $35.5 million, which were partially offset by a $2.9 million decrease in other comprehensive income and the declaration of common shareholder dividends totaling $17.7 million for the six months ended June 30, 2015. WesBanco also increased its quarterly dividend rate to $0.23 per share in February, representing a 4.5% increase over the prior quarterly rate and a cumulative 64% increase over the last seventeen quarters.

On June 2, 2015, WesBanco granted 94,800 stock options to selected officers at an exercise price of $31.58. These options are service-based and vest 50% at December 31, 2015 and 50% at December 31, 2016. On the same date, WesBanco also granted 48,550 shares of restricted stock to selected officers. The restricted shares are service-based and cliff-vest 36 months from the date of grant.

Regulatory guidelines require bank holding companies and commercial banks to maintain certain minimum capital ratios and define companies as “well capitalized” that sufficiently exceed the minimum ratios. At June 30, 2015, regulatory capital levels for both the Bank and WesBanco were substantially greater than the minimum amounts needed to be considered “well capitalized” under the regulations. There are various legal limitations under federal and state laws that limit the payment of dividends from the Bank to WesBanco. As of June 30, 2015, under FDIC regulations, WesBanco could receive, without prior regulatory approval, a dividend of approximately $36.3 million from the Bank. WesBanco intends to continue to improve its consolidated and Bank capital ratios to manage its growth strategies primarily from retaining a majority of its increasing earnings.

The following table summarizes risk-based capital amounts and ratios for WesBanco and the Bank for the periods indicated:

							June 30, 2015							December 31, 2014
(unaudited, dollars in thousands)	Minimum Value (1)			Well Capitalized  (2)			Amount		Ratio			Minimum Amount (1)		Amount		Ratio			Minimum Amount (1)
WesBanco, Inc.
Tier 1 leverage		4.00	%		5.00	%	$	725,305		9.29	%	$	312,415	$	593,031		9.88	%	$	240,068
Common equity tier 1 (3)		4.50	%		6.50	%		630,385		11.71	%		242,351		N/A		N/A			N/A
Tier 1 capital to risk-weighted assets		6.00	%		8.00	%		725,305		13.47	%		323,135		593,031		13.76	%		172,357
Total capital to risk-weighted assets		8.00	%		10.00	%		769,964		14.30	%		430,847		638,064		14.81	%		344,714
WesBanco Bank, Inc.
Tier 1 leverage		4.00	%		5.00	%	$	683,277		8.82	%	$	309,861	$	516,689		8.63	%	$	239,533
Common equity tier 1 (3)		4.50	%		6.50	%		683,277		12.74	%		241,434		N/A		N/A			N/A
Tier 1 capital to risk-weighted assets		6.00	%		8.00	%		683,277		12.74	%		321,912		516,689		12.04	%		171,612
Total capital to risk-weighted assets		8.00	%		10.00	%		727,693		13.56	%		429,216		561,369		13.08	%		343,225

(1) Minimum to remain adequately capitalized. Minimums prior to January 1, 2015 were 4.00% for Tier 1 leverage and Tier 1 capital and 8.00% for total capital.

(2) Well-capitalized under prompt corrective action regulations.

(3) The Common Equity Tier 1 ratio (known as “CET 1”) is a new regulatory ratio as of March 31, 2015, as the regulatory agencies adopted new guidelines for such ratio as a result of international adoption of the BASEL III regulatory capital accords in 2013.

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LIQUIDITY RISK

Liquidity is defined as a financial institution’s capacity to meet its cash and collateral obligations at a reasonable cost. Liquidity risk is the risk that an institution’s financial condition or overall safety and soundness is adversely affected by an inability, or perceived inability, to meet its obligations. An institution’s obligations, and the funding sources to meet them, depend significantly on its business mix, balance sheet structure, and the cash flows of its on- and off-balance sheet obligations. Institutions confront various internal and external situations that can give rise to increased liquidity risk including funding mismatches, market constraints on funding sources, contingent liquidity events, changes in economic conditions, and exposure to credit, market, operation, legal and reputation risk. WesBanco actively manages liquidity risk through its ability to provide adequate funds to meet changes in loan demand, unexpected outflows in deposits and other borrowings as well as to take advantage of market opportunities and meet operating cash needs. This is accomplished by maintaining liquid assets in the form of securities, sufficient borrowing capacity and a stable core deposit base. Liquidity is centrally monitored by WesBanco’s Asset/Liability Committee (“ALCO”).

WesBanco determines the degree of required liquidity by the relationship of total holdings of liquid assets to the possible need for funds to meet unexpected deposit losses and/or loan demands. The ability to quickly convert assets to cash at a minimal loss is a primary function of WesBanco’s investment portfolio management. WesBanco believes its cash flow from the loan portfolio, the investment portfolio, and other sources, adequately meet its liquidity requirements. WesBanco’s net loans to assets ratio was 58.4% at June 30, 2015 and deposit balances funded 74.7% of assets.

The following table lists the sources of liquidity from assets at June 30, 2015 expected within the next year:

(unaudited, in thousands)
Cash and cash equivalents	$	108,738
Securities with a maturity date within the next year		88,998
Projected payments and prepayments on mortgage-backed securities and collateralized mortgage obligations (1)		232,564
Callable securities		122,870
Loans held for sale		11,160
Accruing loans scheduled to mature		687,100
Normal loan repayments		530,425
Total sources of liquidity expected within the next year	$	1,781,855

(1) Projected prepayments are based on current prepayment speeds.

Deposit flows are another principal factor affecting overall WesBanco liquidity. Deposits totaled $6.3 billion at June 30, 2015. Deposit flows are impacted by current interest rates, products and rates offered by WesBanco versus various forms of competition, as well as customer behavior. Certificates of deposit scheduled to mature within one year totaled $1.1 billion at June 30, 2015, which includes jumbo regular certificates of deposit totaling $408.6 million with a weighted-average cost of 0.69%, and jumbo CDARS^® deposits of $193.1 million with a cost of 0.55%.

WesBanco maintains a line of credit with the FHLB as an additional funding source. Available credit with the FHLB was approximately $1.3 billion and $1.5 billion at June 30, 2015 and December 31, 2014, respectively. At June 30, 2015, the Bank had unpledged available-for-sale securities with an amortized cost of $615.1 million, a portion of which is an available liquidity source, or such securities could be pledged to secure additional FHLB borrowings. The FHLB requires securities to be specifically pledged to the FHLB and maintained in a FHLB-approved custodial arrangement if the member wishes to include such securities in the maximum borrowing capacity calculation. WesBanco has elected not to specifically pledge to the FHLB otherwise unpledged securities.

WesBanco participates in the Federal Reserve Bank’s Borrower-in-Custody Program (“BIC”) whereby WesBanco pledges certain consumer loans as collateral for borrowings. At June 30, 2015, WesBanco had a BIC line of credit totaling $198.1 million, none of which was outstanding. Alternative funding sources may include the utilization of existing overnight lines of credit with third party banks totaling $205.0 million, none of which was outstanding at June 30, 2015, along with borrowings under repurchase agreement lines, increasing deposit rates to attract additional funds, accessing brokered deposits, or selling available-for-sale securities or certain types of loans.

Other short-term borrowings of $73.9 million at June 30, 2015 consisted of overnight sweep checking accounts for large commercial customers. There has not been a significant fluctuation in the average deposit balance of the overnight sweep checking accounts during the first six months of 2015. The overnight sweep checking accounts require securities to be pledged equal to or greater than the average deposit balance in the related customer accounts.

The principal sources of parent company liquidity are dividends from the Bank, $22.9 million in cash and investments on hand, and a $25.0 million revolving line of credit with another financial institution, which did not have an outstanding balance at June 30, 2015. WesBanco is in compliance with all loan covenants. There are various legal limitations under federal and state laws that limit the payment of dividends from the Bank to the parent company. As of June 30, 2015, under FDIC and State of West Virginia regulations, WesBanco could receive, without prior regulatory approval, dividends of approximately $36.3 million from the Bank. Management believes these are appropriate levels of cash for the parent company given the current environment. Management continuously monitors the adequacy of parent company cash levels and sources of liquidity through the use of metrics that relate current cash levels to historical and forecasted cash inflows and outflows.

WesBanco had outstanding commitments to extend credit in the ordinary course of business approximating $1.6 billion and $1.2 billion at June 30, 2015 and December 31, 2014, respectively. On a historical basis, only a small portion of these commitments will result in an outflow of funds. Please refer to Note 9, “Commitments and Contingent Liabilities,” of the Consolidated Financial Statements and the “Loans and Credit Risk” section of this MD&A for additional information.

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Federal financial regulatory agencies previously have issued guidance to provide for sound practices for managing funding and liquidity risk and strengthening liquidity risk management practices. WesBanco maintains a comprehensive management process for identifying, measuring, monitoring, and controlling liquidity risk which is fully integrated into its risk management process. Management believes WesBanco has sufficient current liquidity to meet current obligations to borrowers, depositors and others as of June 30, 2015 and that WesBanco’s current liquidity risk management policies and procedures adequately address this guidance.

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ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The disclosures set forth in this item are qualified by the section captioned “Forward-Looking Statements” included in Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this report.

MARKET RISK

The primary objective of WesBanco’s ALCO is to maximize net interest income within established policy parameters. This objective is accomplished through the management of balance sheet composition, market risk exposures arising from changing economic conditions and liquidity risk.

Market risk is defined as the risk of loss due to adverse changes in the fair value of financial instruments resulting from fluctuations in interest rates and equity prices. Management considers interest rate risk to be WesBanco’s most significant market risk. Interest rate risk is the exposure to adverse changes in net interest income due to changes in interest rates. The relative consistency of WesBanco’s net interest income is largely dependent on effective management of interest rate risk. As interest rates change in the market, rates earned on interest rate sensitive assets and rates paid on interest rate sensitive liabilities do not necessarily move concurrently. Differing rate sensitivities may arise because fixed rate assets and liabilities may not have the same maturities, or because variable rate assets and liabilities differ in the timing and/or the percentage of rate changes.

WesBanco’s ALCO, comprised of senior management from various functional areas, monitors and manages interest rate risk within Board approved policy limits. Interest rate risk is monitored primarily through the use of an earnings simulation model. The model is highly dependent on various assumptions, which change regularly as the balance sheet and market interest rates change. The key assumptions and strategies employed are analyzed bi-monthly and reviewed and documented by the ALCO.

The earnings simulation model projects changes in net interest income resulting from the effect of changes in interest rates. Forecasting changes in net interest income requires management to make certain assumptions regarding loan and security prepayment rates, bond call dates, and adjustments to non-maturing deposit rates, which may not necessarily reflect the manner in which actual yields and costs respond to changes in market interest rates. Assumptions used are based primarily on historical experience and current market rates. Security portfolio maturities and prepayments are assumed to be reinvested in similar instruments and callable bond forecasts are adjusted at varying levels of interest rates. While management believes such assumptions to be reasonable, there can be no assurance that assumed prepayment rates, callable bond forecasts and non-maturing deposit rates will approximate actual future results. Moreover, the net interest income sensitivity chart presented in Table 1, “Net Interest Income Sensitivity,” assumes the composition of interest sensitive assets and liabilities existing at the end of the period remains constant over the period being measured and also assumes that a particular change in interest rates is reflected uniformly across the yield curve, regardless of the duration of the maturity or re-pricing of specific assets and liabilities. Since the assumptions used in the model relative to changes in interest rates are uncertain, the simulation analysis may not be indicative of actual results. In addition, the analysis may not consider all actions that management could employ in response to changes in interest rates and various earning asset and costing liability balances.

Management is aware of the significant effect inflation or deflation has upon interest rates and ultimately upon financial performance. WesBanco’s ability to cope with inflation or deflation is best determined by analyzing its capability to respond to changing market interest rates, as well as its ability to manage the various elements of non-interest income and expense during periods of increasing or decreasing inflation or deflation. WesBanco monitors the level and mix of interest-rate sensitive assets and liabilities through ALCO in order to reduce the impact of inflation or deflation on net interest income. Management also controls the effects of inflation or deflation by conducting periodic reviews of the prices and terms of its various products and services, both in terms of the costs to offer the services as well as outside market influences upon such pricing, by introducing new products and services or reducing the availability of existing products and services, and by controlling overhead expenses.

Interest rate risk policy limits are determined by measuring the anticipated change in net interest income over a twelve month period assuming an immediate and sustained 100, 200 and 300 basis point increase or decrease in market interest rates compared to a stable rate environment or base model. WesBanco’s current policy limits this exposure to a reduction of 5.0%, 12.5% and 25% or less, respectively, of net interest income from the base model over a twelve month period. The table below shows WesBanco’s interest rate sensitivity at June 30, 2015 and December 31, 2014 assuming a 100, 200 and 300 basis point interest rate increase, compared to a base model. Due to the current low interest rate environment, particularly for short-term rates, the 200 and 300 basis point decreasing change is not calculated.

TABLE 1. NET INTEREST INCOME SENSITIVITY

Immediate Change in Interest Rates	Percentage Change in Net Interest Income from Base over One Year		ALCO
(basis points)	June 30, 2015	December 31, 2014	Guidelines
+300	(0.2%)	0.9%	(25.0%)
+200	1.0%	2.1%	(12.5%)
+100	1.2%	1.9%	(5.0%)
-100	(1.6%)	(1.8%)	(5.0%)

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As per the table above, the earnings simulation model at June 30, 2015 currently projects that net interest income for the next twelve month period would decrease by 1.6% if interest rates were to fall immediately by 100 basis points, compared to a decrease of 1.8% for the same scenario as of December 31, 2014.

For rising rate scenarios, net interest income would increase by 1.2%, 1.0%, and decrease by 0.2% if rates increased by 100, 200 and 300 basis points, respectively, as of June 30, 2015 compared to increases of 1.9%, 2.1% and 0.9% in a 100, 200 and 300 basis point increasing rate environment as of December 31, 2014.

The balance sheet is asset sensitive as of June 30, 2015, slightly less than at December 31, 2014, based upon changes in the mix of various earning assets and costing liabilities, 2015 loan and transaction deposit account growth, an increase in short-term FHLB borrowings, the ESB transaction and certain changes in modeling assumptions. Should rates rise more rapidly and by a higher amount than currently anticipated in the short to intermediate term, overall asset sensitivity may be somewhat neutralized due to slower anticipated prepayment speeds and extension risk associated with residential mortgages and mortgage-backed securities. In addition, variable rate commercial loans with rate floors averaging 4.21% approximated $1.1 billion at June 30, 2015, which represented approximately 37% of commercial loans. Approximately 58% or $624.8 million of these loans are currently priced at their floor. Therefore, in a 100 basis point rising rate environment, these loans would not as significantly re-price from their current floor level as compared to non-floor loans. Due to lower loan and investment spreads as the yield curve dropped earlier this year, WesBanco expects that the base case net interest margin may contract somewhat from the second quarter due to the continued low interest rate environment, and a full period of the completion of the ESB replacement investment securities strategy, until sometime after rates begin to rise. A short-term rate increase is anticipated by late third quarter by a majority of economists as well as commentary from the Federal Reserve Board which should help the margin eventually improve assuming no earning asset or costing liability changes. Maturities of higher-costing certificates of deposit scheduled over the next year may somewhat mitigate potential compression from lower loan spreads and general loan re-pricing in an increasingly more competitive loan environment, along with anticipated loan growth in most loan categories. Of note, certificates of deposit totaling approximately $1.1 billion mature within the next year at an average cost of 0.64%.

The Bank has significant additional borrowing capacity with the FHLB of Pittsburgh, the Federal Reserve Bank of Cleveland, and various correspondent banks, and may utilize these funding sources as necessary to lengthen liabilities, help offset mismatches in various asset maturities, and manage short-term cash needs. CDARS^® and ICS^® deposits also continue to be used to lengthen maturities in certificates of deposit, and for customers seeking higher yielding instruments and to maintain deposit balances below insured limits.

Current balance sheet strategies to reduce the potential for margin compression in the current rate environment include:

• increasing total loans; primarily commercial and residential with fixed rate periods of between 3-15 years, or variable to a published index;

• investing available short-term liquidity;

• continuing marketing programs to increase consumer loans and transaction deposits versus certificates of deposit;

• reinvestment of securities cash flows into new loans as demand warrants, or into other investments such as short and intermediate-term CMO pay structures, lower coupon MBS, and mid-term tax-exempt municipal securities;

• extending term borrowings at current lower rates to balance asset/liability mismatches; and

• extending a portion of CD maturities through the CDARS^® program.

As an alternative to the immediate rate shock analysis, the ALCO monitors interest rate risk by ramping or increasing interest rates 200 basis points gradually over a twelve month period. WesBanco’s current policy limits this exposure to 5.0% of net interest income from the base model for a twelve month period. Management believes that the ramping analysis reflects a more realistic movement of interest rates, whereas the immediate rate shock reflects a less likely scenario. The simulation model at June 30, 2015, using the 200 basis point increasing rate ramp analysis, projects that net interest income would increase 2.1% over the next twelve months, compared to a 1.9% increase at December 31, 2014.

WesBanco also periodically measures the economic value of equity, which is defined as the market value of tangible equity in various increasing and decreasing rate scenarios. At June 30, 2015, the market value of tangible equity as a percent of base in a 200 basis point rising rate environment indicates an increase of 1.1%, compared to a increase of 6.0% at December 31, 2014. In a 100 basis point falling rate environment, the model indicates a decrease of 6.8%, compared to a decrease of 11.0% as of December 31, 2014. WesBanco’s policy is to limit such change to minus 20% for a 200 basis point change in interest rates, as long as the Tier 1 leverage capital ratio is not forecasted to decrease below 5.0% as a result of the change. Balance sheet changes in loan and securities portfolios, new borrowings, transaction deposits and certificates of deposit, as well as certain other modeling assumptions, resulted in the change in equity market value from 2014.

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ITEM 4. CONTROLS AND PROCEDURES

EVALUATION OF DISCLOSURE CONTROLS AND PROCEDURES— WesBanco’s Chief Executive Officer (“CEO”) and Chief Financial Officer (“CFO”) have concluded that WesBanco’s disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended), based on their evaluation of these controls and procedures as of the end of the period covered by this Form 10-Q, are effective at the reasonable assurance level as discussed below to ensure that information required to be disclosed by WesBanco in the reports it files under the Securities Exchange Act of 1934, as amended, is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the SEC and that such information is accumulated and communicated to WesBanco’s management, including its principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure.

LIMITATIONS ON THE EFFECTIVENESS OF CONTROLS— WesBanco’s management, including the CEO and CFO, does not expect that WesBanco’s disclosure controls and internal controls will prevent all errors and all fraud. While WesBanco’s disclosure controls and procedures are designed to provide reasonable assurance of achieving their objective, no control system, no matter how well conceived and operated, can provide absolute assurance that the objectives of the control system are met. Because of the inherent limitations in all control systems, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the controls.

CHANGES IN INTERNAL CONTROLS—There were no changes in WesBanco’s internal control over financial reporting that occurred during our fiscal quarter ended June 30, 2015 as required to be reported by paragraph (d) of Rules 13a-15 and 15d-15 under the Securities Exchange Act of 1934, that materially affected, or are reasonably likely to materially affect, WesBanco’s internal control over financial reporting.

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PART II – OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

Litigation Related to the ESB Merger

On October 29, 2014, ESB and WesBanco entered into an Agreement and Plan of Merger (the “Merger Agreement”), providing for the merger of ESB with and into WesBanco, with WesBanco as the surviving corporation (the “Merger”). Each of ESB and WesBanco filed a definitive joint proxy statement/prospectus, dated as of December 11, 2014 (the “Joint Proxy Statement/Prospectus”), with the Securities and Exchange Commission in connection with the Merger. The Merger was consummated on February 10, 2015.

As previously reported by each of ESB and WesBanco on Current Reports on Form 8-K, each dated December 15, 2014 and filed on December 19, 2014, two putative class action complaints were filed by purported shareholders of ESB with respect to the Merger. One complaint was filed in the United States District Court for the Western District of Pennsylvania (the “Federal District Court”), and is captioned and numbered James Elliott vs. ESB Financial, Inc., et al., Case No. 2:14-cv-01689-MRH (the “Federal Lawsuit”). The other complaint was filed in the Court of Common Pleas of Lawrence County, Pennsylvania, and is captioned and numbered Randall Kress v. ESB Bank, Case No. 11185/14 CA (the “Lawrence County Lawsuit”). Both complaints alleged generally, among other things, that each member of ESB’s board of directors (the “Director Defendants”) breached their fiduciary duties in approving the Merger Agreement, that ESB and WesBanco aided and abetted such breaches of fiduciary duty and that the disclosure regarding the Merger contained in the Joint Proxy Statement/Prospectus was materially deficient.

On January 15, 2015, solely to avoid the costs, risks and uncertainties inherent in litigation, ESB, ESB Bank, WesBanco and the Director Defendants (ESB, ESB Bank, WesBanco and the Director Defendants, collectively the “Defendants”) entered into a Memorandum of Settlement (the “MOS”) with the respective plaintiffs (collectively, the “Plaintiffs”) regarding the settlement of both the Federal Lawsuit and the Lawrence County Lawsuit. Pursuant to the MOS, ESB and WesBanco agreed to file with the SEC and make publicly available to shareholders of ESB and WesBanco supplemental disclosures provided on Form 8-K and the Plaintiffs agreed to release ESB, ESB Bank, WesBanco and the Director Defendants from all claims related to the Merger Agreement and the Merger, subject to approval of the Federal District Court. If the court approves the settlement contemplated in the MOS, both the Federal Lawsuit and the Lawrence County Lawsuit will be dismissed with prejudice, and all claims that were or could have been brought challenging any aspect of the Merger, the Merger Agreement, and any disclosure made in connection therewith will be released and barred. Under the terms of the MOS, counsel for the Plaintiffs reserved the right to seek an award of attorneys’ fees and expenses. The Defendants have reserved the right to contest the fee and expense petition. The amount of any fees and expense awarded will ultimately be determined and approved by the court, and will not affect the amount of merger consideration paid by WesBanco. ESB or its successor or insurer will pay any fees and expenses awarded by the court. In the MOS, the parties agreed to negotiate in good faith to prepare a stipulation of settlement which was entered into by the parties and filed with the court on April 28, 2015 and other documentation as may be required to effectuate the settlement. By Order dated July 2, 2015, the Federal District Court made preliminary determinations regarding (i) certification of a class of ESB shareholders such that notice could be disseminated to class members relating to, among other things, the Federal Lawsuit, the Lawrence County Lawsuit, the proposed settlement contemplated in the MOS (the “Settlement”), a final hearing to approve the Settlement and the right of class members to participate in such hearing, and (ii) the role of Mr. Elliott and his counsel as Class Representative and Class Counsel, respectively. The Court has set a hearing to approve the Settlement on September 21, 2015. There can be no assurance that the court will approve the Settlement. The Settlement will become void in the event that the court does not approve the Settlement.

The Settlement did not affect the timing of the special meeting of shareholders of ESB held January 22, 2015 in Ellwood City, Pennsylvania to vote upon a proposal to adopt the Merger Agreement. Similarly, the Settlement did not affect the timing of the special meeting of shareholders of WesBanco held January 22, 2015 in Wheeling, West Virginia to vote on a proposal to approve the issuance of shares of WesBanco common stock in connection with the Merger. The shareholders of both corporations approved the Merger. ESB and the other Defendants deny all of the allegations in the lawsuits and believe the disclosures previously included in the Joint Proxy Statement/Prospectus were appropriate under the law. Nevertheless, ESB and the other Defendants have agreed to settle the putative class action lawsuits in order to avoid the costs, disruptions and distraction of further litigation.

ESB and the other Defendants have vigorously denied, and continue to vigorously deny, that they have committed or aided and abetted in the commission of any violation of law or engaged in any of the wrongful acts that were alleged in the lawsuits, and expressly maintain that, to the extent applicable, they diligently and scrupulously complied with their fiduciary and other legal burdens and entered into the MOS solely to eliminate the burden and expense of further litigation and to put the claims that were or could have been asserted to rest. Nothing in the MOS or any stipulation of settlement shall be deemed an admission of the legal necessity or materiality under applicable laws of any of the disclosures set forth therein. WesBanco does not believe that a material loss related to these claims is reasonably possible.

Other Litigation

WesBanco is also involved in lawsuits, claims, investigations and proceedings which arise in the ordinary course of business. While any litigation contains an element of uncertainty, WesBanco does not believe that a material loss related to such proceedings or claims pending or known to be threatened is reasonably possible.

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ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

As of June 30, 2015, WesBanco had a current stock repurchase plan in which up to one million shares can be acquired. The plan was originally approved by the Board of Directors on March 21, 2007 and provides for shares to be repurchased for general corporate purposes, which may include a subsequent resource for potential acquisitions, shareholder dividend reinvestment and employee benefit plans. The timing, price and quantity of purchases are at the discretion of WesBanco, and the plan may be discontinued or suspended at any time. Repurchases during the second quarter of 2015 included those for the KSOP and dividend reinvestment plans and a repurchase to facilitate the payment of withholding taxes for employees’ vesting of restricted stock.

The following table presents the monthly share purchase activity during the quarter ended June 30, 2015:

Period	Total Number of Shares Purchased		Average Price Paid per Share		Total Number of Shares Purchased as Part of Publicly Announced Plans		Maximum Number of Shares that May Yet Be Purchased Under the Plans
Balance at March 31, 2015								340,049
April 1, 2015 to April 30, 2015
Open market repurchases		—		—		—		340,049
Other transactions (1)		16,528	$	32.67		N/A		N/A
May 1, 2015 to May 31, 2015
Open market repurchases		—		—		—		340,049
Other repurchases (2)		338	$	32.04		338		339,711
Other transactions (1)		2,623	$	31.64		N/A		N/A
June 1, 2015 to June 30, 2015
Open market repurchases		—		—		—		339,711
Other repurchases (2)		11,649	$	31.35		11,649		328,062
Other transactions (1)		1,181		33.83		N/A		N/A
Second Quarter 2015
Open market repurchases		—		—		—		340,049
Other repurchases (2)		11,987	$	31.36		11,987		328,062
Other transactions (1)		20,332		32.61		N/A		N/A
Total		32,319	$	32.15		11,987		328,062

(1) Consists of open market purchases transacted in the KSOP and dividend reinvestment plans.

(2) Consists of shares purchased from employees for the payment of withholding taxes to facilitate the vesting of restricted stock.

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ITEM 6. EXHIBITS

3.1	Articles of Amendment to WesBanco, Inc. Articles of Incorporation, dated April 24, 2015, increasing authorized common shares from 50,000,000 to 100,000,000.
10.1	Employment Agreement, dated March 1, 2015, by and between WesBanco Bank, Inc., Jayson M. Zatta, and WesBanco, Inc.*
10.2	Amended and Restated Change in Control Agreement, dated July 25, 2008, by and between WesBanco Bank, Inc., Jayson M. Zatta, and WesBanco, Inc.*
10.3	Public Warrant repurchase letter, dated May 6, 2015, by and between the U.S. Treasury and WesBanco, Inc. (incorporated by reference to Form 8-K filed by the Registrant with the Securities and Exchange Commission on May 6, 2015).
31.1	Certification of Chief Executive Officer of Periodic Report Pursuant to Rule 13a-15(e) or Rule 15d-15(e).
31.2	Certification of Chief Financial Officer of Periodic Report Pursuant to Rule 13a-15(e) or Rule 15d-15(e).
32.1	Certification Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
101	The following materials from WesBanco’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2015, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets at June 30, 2015 and December 31, 2014, (ii) the Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2015 and 2014, (iii) the Consolidated Statements of Changes in Stockholders’ Equity for the six months ended June 30, 2015 and 2014, (iv) the Consolidated Statements of Cash Flows for the six months ended June 30, 2015 and 2014, and (v) the Notes to Consolidated Financial Statements.

* Indicates management compensatory plan, contract or arrangement.

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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 thereunto duly authorized.

	WESBANCO, INC.
Date: July 30, 2015	/s/ Todd F. Clossin
	Todd F. Clossin
	President and Chief Executive Officer (Principal Executive Officer)
Date: July 30, 2015	/s/ Robert H. Young
	Robert H. Young
	Executive Vice President and Chief Financial Officer
	(Principal Financial and Accounting Officer)

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EX-3.1

EXHIBIT 3.1

ARTICLES OF AMENDMENT

TO THE

ARTICLES OF INCORPORATION

OF

WESBANCO, INC.

Pursuant to the provisions of Section 1006, Article 10, Chapter 31D of the Code of West Virginia, the undersigned corporation adopted the following Articles of Amendment to its Articles of Incorporation:

FIRST: The name of the corporation is Wesbanco, Inc.

SECOND: The following Amendment to the Articles of Incorporation was adopted by the shareholders of the corporation on April 15, 2015, in the manner prescribed by Section 1003, Article 10, Chapter 31D:

That the authorized common stock of the corporation be increased from 50,000,000 shares of the par value of $2.0833 per share to 100,000,000 shares of the par value of $2.0833 per share.

THIRD: Article IV of the Articles of Incorporation of Wesbanco, Inc. shall, accordingly, be amended and re-enacted to read as follows:

IV. The total number of shares of all classes of capital stock which the corporation shall have authority to issue shall be 101,000,000 shares, which shall be divided into 100,000,000 shares of common stock of the par value of $2.0833 per share, and 1,000,000 shares of preferred stock, without par value.

(1) The designations, powers, rights and preferences, and the qualifications, limitations and restrictions of the preferred stock shall be as fixed and determined, from time to time, by the Board of Directors, and the Board of Directors is authorized and empowered at any time, and from time to time, to direct and provide for the issuance of shares of preferred stock in one or more classes or series, with such voting powers, full or limited, but not to exceed one vote per share, or without voting power, and with such dividend rights, rates and conditions, and such designations, preferences and relative, participating, optional or other special rights, and qualifications, limitations, or restrictions thereof, as shall be fixed and determined by the Board of Directors, by resolutions duly adopted.

FOURTH: The number of shares outstanding at the time of such adoption was 38,483,049 shares and the number of shares entitled to vote was 38,483,049.

FIFTH: The designation and number of outstanding shares of each class entitled to vote, as a class, were as follows:

CLASS	NUMBER OF SHARES
Common		38,483,049

SIXTH: The number of shares voted for such amendments was 27,431,570, the number of shares voted against such amendments was 4,685,974; and the number of shares abstaining was 225,666.

SEVENTH: The number of shares of each class entitled to vote as a class voted for and against such amendments was:

CLASS	NUMBER OF SHARES VOTED
Common	For: 27,431,570 Against: 4,685,974 Abstain: 225,666

EIGHTH: The manner in which any exchange, reclassification or cancellation of issued shares provided for in the amendments shall be affected, is as follows: All outstanding certificates shall be unaffected by the change and shall continue to represent the number of shares reflected thereon.

NINTH: The amount of the authorized capital stock of this corporation shall be increased from the current 51,000,000 shares, which is divided into 50,000,000 shares of common stock of the par value of $2.0833 per share, and 1,000,000 shares of preferred stock, without par value, to 101,000,000 shares consisting of 100,000,000 shares of common stock of the par value of $2.0833, and 1,000,000 shares of preferred stock, without par value.

Dated this 24th day of April, 2015.

WESBANCO, INC.
By:	/s/ Todd F. Clossin
	Todd F. Clossin, President
And	/s/ Linda M. Woodfin
	Linda M. Woodfin, Secretary

STATE OF WEST VIRGINIA,

COUNTY OF OHIO, TO-WIT:

I, Karen S. Ellis, a Notary Public, do hereby certify that on this 24th day of April, 2015, personally appeared before me, TODD F. CLOSSIN and LINDA M. WOODFIN, who, being by me first duly sworn, declared that they are the President and Secretary, respectively, of WESBANCO, INC., that they signed the foregoing document as President and Secretary of the corporation, and that the statements therein contained are true.

/s/ Karen S. Ellis

Notary Public

My commission expires:

7-15-2018

This instrument was prepared by Denise Knouse-Snyder, Esq., PHILLIPS, GARDILL, KAISER & ALTMEYER, PLLC, 61-14^th Street, Wheeling, WV 26003.

EX-10.1

EXHIBIT 10.1

EMPLOYMENT AGREEMENT

THIS AGREEMENT, made and entered into this 1st day of March, 2015, by and between WESBANCO BANK, INC., hereinafter referred to as “Bank” and JAYSON M. ZATTA, hereinafter referred to as “Employee”, and WESBANCO, INC., a West Virginia corporation, hereinafter referred to as “Wesbanco”.

WHEREAS, Employee is serving as an executive officer of the Bank and the Bank wishes to assure itself of the Employee’s full time employment and continuing services in an executive capacity.

WITNESSETH THAT: In consideration of the mutual promises and undertakings hereinafter set forth, the parties hereto agree as follows:

1. OFFER OF EMPLOYMENT. The Bank agrees to, and hereby does, continue the employment of Employee at WesBanco and the Bank as Executive Vice President & Chief Lending Officer. In that capacity, Employee shall be answerable to the Board of Directors of Wesbanco, the parent company of the Bank, and the Board of Directors of the Bank, and the Chief Executive Officer of Wesbanco. Employee shall perform such duties, compatible with his employment under the Agreement, as the Board of Directors of the Bank, Wesbanco, and the Chief Executive Officer of Wesbanco, from time to time may assign to him.

2. COMPENSATION. As compensation for the performance of the services specified in Paragraph (1) and the observance of all of the provisions of this Agreement, the Bank agrees to pay Employee, and Employee agrees to accept, the following amounts and benefits during his term of employment:

(A) Salary at a rate to be determined by the Board of Directors of the Bank, with notice to be given to employee in May of each calendar year, but in no event shall Employee’s salary be less than Two Hundred Thirty-Six Thousand Two Hundred Sixty-Seven Dollars ($236,267.00) per year, plus any increases granted by the Board of Directors after the date hereof, and payable in equal biweekly installments;

(B) Participation in the Wesbanco, Inc. Key Executive Bonus, Option and Restricted Stock Plan, Annual Incentive Award, at 35% of the base compensation as set forth in Paragraph (A) hereof based upon performance metrics as determined annually by the Compensation Committee of the Board of Directors of Wesbanco;

(C) Participation in such annual awards of Stock Options and Restricted Stock as may be granted by the Compensation Committee each year; and

(D) Such other miscellaneous benefits and perquisites as the Bank provides to its executive employees generally.

3. ACCEPTANCE OF EMPLOYMENT. Employee accepts the employment provided for herein, at the salary set forth above, and agrees to devote his talents and best efforts to the diligent, faithful, and efficient discharge of the duties of his employment, and in furtherance of the operations and best interests of Bank, and observe and abide by all rules and regulations promulgated by Bank for the guidance and direction of its employees and the conduct of its business, operations, and activities.

4. TERM OF AGREEMENT. The employment term provided for herein shall consist of a revolving period of three (3) years, with the initial term beginning on the 4th day of March, 2015, and ending on the 3rd day of March, 2018. The term of this Agreement shall automatically be extended on each anniversary of the beginning date of the term hereof for an additional one (1) year, thereby creating a new three (3) year term, unless written notice of termination hereof is given by either party at least ninety (90) days prior to the anniversary date of this Agreement. Any such notice of non-renewal shall not affect the continuation of the term of this Agreement existing at the time of such non-renewal.

5. CONFIDENTIALITY. Employee agrees that such information concerning the business, affairs, and records of Bank as he may acquire in the course of, or as incident to, his employment hereunder, shall be regarded and treated as being of a confidential nature, and that he will not disclose any such information to any person, firm, or corporation, for his own benefit or to the detriment of Bank, during the term of his employment under this Agreement or at any time following the termination thereof.

6. NON-SOLICITATION. For a term of one (1) year following termination of this Agreement with Wesbanco or any of its subsidiaries, the Employee will not, directly or indirectly either for himself or any other Person (as defined herein), (i) induce or attempt to induce any employee of Wesbanco or its subsidiaries to leave the employ of Wesbanco or its subsidiaries, (ii) in any way interfere with the relationship between Wesbanco or its subsidiaries and any employee of Wesbanco or its subsidiaries, (iii) employ, or otherwise engage as an employee, independent contractor, or otherwise, any employee of Wesbanco or its subsidiaries, or (iv) induce or attempt to induce any customer, supplier, licensee, or business relation of Wesbanco or its subsidiaries to cease doing business with Wesbanco or its subsidiaries, or in any way interfere with the relationship between any customer, supplier, licensee, or business relation of Wesbanco or its subsidiaries. During the non-solicitation period, and for a term of one (1) year following termination of employment with Wesbanco, the Employee will not, directly or indirectly, either for himself or any other Person solicit the business of any Person known to the Employee to be a customer of Wesbanco or its subsidiaries, whether or not the Employee had personal contact with such Person, with respect to products or activities which compete in whole or in part with the products or activities of Wesbanco or its subsidiaries. For purposes of this Agreement, “Person” shall include an individual, trust, estate, corporation, limited liability company, credit union, savings bank, savings and loan association, savings and loan holding company, bank, bank holding company, mortgage company or similar type financial institution, including, without limitation, a de novo financial institution in its organizational phase.

7. MISCELLANEOUS BENEFITS. This Agreement is not intended, and shall not be deemed to be in lieu of any rights, benefits, and privileges to which Employee may be entitled as an Employee of Bank under any retirement, pension, profit sharing, insurance, hospital, bonus, vacation, or other plan or plans which may now be in effect or which may hereafter be adopted by Bank, it being understood that Employee shall have the same rights and privileges to participate in such plans and benefits, as any other employee, during the period of his employment.

8. BINDING EFFECT. This Agreement shall inure to the benefit of and be binding upon Bank’s successors and assigns, including, without limitation, any company or corporation which may acquire substantially all of Bank’s assets or business, or with, or into which Bank may be merged or otherwise consolidated.

9. TERMINATION. The Employee’s employment hereunder shall terminate upon the earliest to occur of any one of the following:

(A) The expiration of the initial term of this Agreement, or any extended term of this Agreement by written notice of termination as provided in Paragraph (4) hereof; or

(B) By the Bank for cause, after thirty (30) days written notice to Employee. Cause for purposes of this Agreement shall mean as follows:

(i) An act of dishonesty, willful disloyalty or fraud by the Employee that the Bank determines is detrimental to the best interests of the Bank; or

(ii) The Employee’s continuing inattention to, neglect of, or inability to perform, the duties to be performed under this Agreement, or

(iii) Any other breach of the Employee’s covenants contained herein or of any of the other terms and provisions of this Agreement, or

(iv) The deliberate and intentional engaging by the Employee in gross misconduct which is materially and demonstrably injurious to the Bank.

(C) Employee shall have the right to terminate this Agreement and his active employment hereunder at any time upon ninety (90) days written notice to the Bank.

(D) Upon the death of Employee, this Agreement shall automatically terminate.

10. EFFECT OF TERMINATION. In the event of a termination of this Agreement, Employee shall be paid the following severance benefits, payable promptly after the date of termination of his employment, in the following manner:

(A) In the event that this Agreement is terminated by the death of Employee, this Agreement shall be deemed to have been terminated as of the date of such death except, however, that Bank shall pay to the surviving spouse of Employee, or in lieu thereof, to Employee’s estate, an amount equal to six (6) months of the base salary at his then current base rate.

(B) In the event that this Agreement is terminated by Employee and Bank by mutual agreement, then Bank shall pay such severance benefits, if any, as shall have been agreed upon by Bank and Employee.

(C) In the event that Bank attempts to terminate this Agreement, other than for cause, death of Employee, or by mutual agreement with Employee, in addition to any other rights or remedies which Employee may have, Employee shall receive an amount equal to the greater of (i) six (6) months of base salary at his then current base rate, or (ii) the base salary Employee would have received had he continued to be employed pursuant to this Agreement throughout the end of the then existing term of employment hereunder.

(D) In the event Bank terminates this Agreement for cause, no severance benefits shall be payable hereunder.

11. ENTIRE UNDERSTANDING; AMENDMENT. This Agreement supersedes all previous agreements between Employee and Bank and contains the entire understanding and agreement between the parties with respect to the subject matter hereof, and cannot be amended, modified, or supplemented in any respect except by a subsequent written agreement executed by both parties.

12. APPLICABLE LAW. This Agreement shall be governed by and construed in accordance with the laws of the State of West Virginia.

13. CERTAIN OBLIGATIONS OF WESBANCO. While the parties acknowledge that certain provisions of this Agreement may be unenforceable in some respects against the Bank, pursuant to applicable banking law, it is nonetheless the intention of the parties to create pursuant to this Agreement a valid employment for a definite term with specified benefits. As an inducement for Employee and Bank to enter into this Agreement whereby Employee would be employed by Bank for a definite term, Wesbanco hereby undertakes the independent, separate and unconditional obligation to Employee to pay all amounts which are or may become due to Employee under this Agreement as set forth herein, regardless of the status of the direct or indirect enforceability or validity of Bank’s obligation to pay any or all such amounts as may be due hereunder to Employee; provided, however, that for purposes of this Paragraph 13, Wesbanco shall be obligated to the Employee for any bonuses or any increases in base salary in excess of the rate of Two Hundred Thirty-Six Thousand Two Hundred Sixty-Seven Dollars ($236,267.00) per annum only to the extent that it has consented to such bonuses or increases. Wesbanco also acknowledges that it may or may not be entitled to indemnification or contribution from Bank or to be subrogated to the claim of Employee hereunder for any payments Wesbanco may make to Employee; and Wesbanco hereby specifically waives any rights it may otherwise have to indemnification or contribution from Bank or to be subrogated to the claim of Employee hereunder in the event that such payments as are made by Wesbanco would be unenforceable or invalid for any reason against Bank.

14. MISCELLANEOUS. The invalidity or unenforceability of any term or provision of this Agreement as against any one or more parties hereto, shall not impair or effect the other provisions hereof or the enforceability of said term or provision against the other parties hereto, and notwithstanding any such invalidity or unenforceability, each term or provision hereof shall remain in full force and effect to the full extent consistent with law.

IN WITNESS WHEREOF, Bank and Wesbanco have caused these presents to be signed and their corporate seals to be hereto affixed, and Employee has hereto affixed his signature, at Wheeling, WV, as of the day and year first above written.

WESBANCO BANK, INC.
By	/s/ Todd F. Clossin
	Its President

(SEAL)

ATTEST:

/s/ Linda M. Woodfin

Secretary

/s/ Jayson M. Zatta (SEAL)

JAYSON M. ZATTA

WESBANCO, INC.
By	/s/ Todd F. Clossin
	Its President

(SEAL)

ATTEST:

/s/ Linda M. Woodfin

Secretary

EX-10.2

EXHIBIT 10.2

AMENDED AND RESTATED

CHANGE IN CONTROL AGREEMENT

TABLE OF CONTENTS

Section			Page
Article 1.	Definitions			2
Article 2.	Severance Benefits			6
	2.1.	Right to Severance Benefits		6
	2.2.	Services During Certain Events		6
	2.3.	Qualifying Termination		6
	2.4.	Description of Severance Benefits		7
	2.5.	Termination for Total and Permanent Disability		7
	2.6.	Termination for Retirement or Death		8
	2.7.	Termination for Cause or by the Executive Other Than for Good Reason		8
	2.8.	Notice of Termination		8
	2.9.	Effectiveness of Agreement		8
Article 3.	Form and Timing of Severance Benefits			8
	3.1.	Form and Timing of Severance Benefits		8
	3.2.	Withholding of Taxes		9
Article 4.	Tax Limitation Provision			9
	4.1.	Limitation on Termination Payment		9
Article 5.	The Company’s and the Bank’s Payment Obligation			10
	5.1.	Payment Obligations Absolute		10
	5.2.	Contractual Rights to Benefits		10
Article 6.	Term of Agreement			10
Article 7.	Legal Remedies			11
	7.1.	Arbitration		11
	7.2.	Payment of Legal Fees		11
Article 8.	Successors			11
Article 9.	Miscellaneous			12
	9.1.	Employment Status		12
	9.2.	Beneficiaries		12
	9.3.	Entire Agreement; Superseding Effect		12
	9.4.	Gender and Number		12
	9.5.	Notices		12
	9.6.	Execution in Counterparts		13
	9.7.	Conflicting Agreements		13
	9.8.	Severability		13
	9.9.	Modification		13
	9.10.	Applicable Law		14

AMENDED AND RESTATED

CHANGE IN CONTROL AGREEMENT

THIS AMENDED AND RESTATED CHANGE IN CONTROL AGREEMENT is made and entered into as of this 25^th day of July, 2008 by and among WESBANCO, INC., a West Virginia bank holding company (hereinafter referred to as the “Company”); and WESBANCO BANK, INC., a West Virginia banking corporation and a wholly-owned subsidiary of the Company (hereinafter referred to as the “Bank”); and JAYSON M. ZATTA (hereinafter referred to as the “Executive”).

W I T N E S S E T H:

WHEREAS, the Board of Directors of the Company and the Board of Directors of the Bank have approved the Company and the Bank entering into change in control agreements with certain key executives of the Company and the Bank;

WHEREAS, the Executive is a key executive of the Company and the Bank;

WHEREAS, the Board of the Company and the Board of the Bank each believes that, should the possibility of a Change in Control Event of the Company and/or the Bank arise, it is imperative that the Company and the Bank be able to rely upon the Executive to continue in his position, and that the Company and the Bank be able to receive and rely upon his advice, if they request it, as to the best interests of the Company, the Bank, and their shareholders without concern that he might be distracted by the personal uncertainties and risks created by the possibility of a Change in Control Event;

WHEREAS, should the possibility of a Change in Control Event arise, in addition to the Executive’s regular duties, he may be called upon to assist in the assessment of such possible Change in Control Event, advise management and the Board of the Company and the Board of the Bank as to whether such Change in Control Event would be in the best interests of the Bank, the Company, and their shareholders, and to take such other actions as the Boards determine to be appropriate; and

WHEREAS, the Company and the Bank used an earlier form of a Change in Control Agreement dated as of September 1, 1999, which was intended to address the foregoing concerns and, in light of the adoption of Section 409A of the Code (as defined below) and the publication of guidance thereunder, the Company and the Bank wish to use an amended and restated Change in Control Agreement to cause the terms and conditions to comply with Section 409A of the Code; and

WHEREAS, the Executive, the Company, and the Bank desire that the terms of this Agreement shall act as a supplement to the benefits under any other agreements with the Company and the Bank; and

WHEREAS, it is intended by the parties hereto that the benefits under the terms of this Change in Control Agreement shall supersede and replace any termination benefits under any

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other policies or agreements in the event of a termination or severance of his employment subsequent to a Change in Control Event; and

NOW THEREFORE, to assure the Company and the Bank that they will have the continued dedication of the Executive and the availability of his advice and counsel notwithstanding the possibility, threat, or occurrence of a Change in Control Event of the Company and/or the Bank, and to induce the Executive to remain in the employ of the Company and the Bank, and for other good and valuable consideration, the Company, the Bank, and the Executive, intending to be legally bound, agree as follows:

Article 1.

Definitions

Whenever used in this Agreement, the following terms shall have the meanings set forth below when the initial letter of the word is capitalized:

(a) “Agreement” means this Change in Control Agreement, as the same may be amended from time to time in accordance with Section 9.9 herein.

(b) “Bank” means Wesbanco Bank, Inc., a West Virginia banking corporation, or any successor thereto as provided in Article 8 herein.

(c) “Base Salary” means the salary of record paid by the Company and/or the Bank to the Executive as annual salary, excluding amounts received under incentive bonus and option plans, whether or not deferred.

(d) “Beneficial Owner” shall have the meaning ascribed to such term in Rule 13d-3 of the General Rules and Regulations under the Exchange Act.

(e) “Beneficiary” means the persons or entities designated or deemed designated by the Executive pursuant to Section 9.2 herein.

(f) “Board” means the Board of Directors of Wesbanco, Inc.

(g) “Cause” shall be determined by the Board of the Company and the Board of the Bank, in exercise of good faith and reasonable judgment, and shall mean the occurrence of any one or more of the following:

(i) An act of dishonesty, willful disloyalty or fraud by the Employee that the Bank determines is detrimental to the best interests of the Bank; or

(ii) The Employee’s continuing inattention to, neglect of, or inability to perform, the duties to be performed under this Agreement, or

(iii) Any other breach of the Employee’s covenants contained herein or of any of the other terms and provisions of this Agreement; or

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(iv) The deliberate and intentional engaging by the Employee in gross misconduct which is materially and demonstrably injurious to the Bank.

(h) “Change in Control Event” shall be deemed to have occurred as of the first day that any one or more of the following conditions shall have been satisfied:

(i) Final regulatory approval is obtained for any Person (other than those Persons in control of the Company and/or the Bank, as applicable, as of the Effective Date, or other than a trustee or other fiduciary holding securities under an employee benefit plan of the Company and/or the Bank, as applicable, or a corporation owned directly or indirectly by the stockholders of the Company and/or the Bank, as applicable, in substantially the same proportions as their ownership of stock of the Company and/or the Bank), becomes the Beneficial Owner, directly or indirectly, of securities of the Company and/or the Bank, as applicable, representing thirty five percent (35%) or more of the combined voting power of the Company’s (or the Bank’s, as applicable) then outstanding securities; or

(ii) During any period of two (2) consecutive years (not including any period prior to the execution of this Agreement), individuals who at the beginning of such period constitute the Board of the Company (and any new Director, whose election by the Company’s stockholders or the Bank’s stockholders, as applicable, was approved by a vote of at least two-thirds (2/3) of the Directors then still in office who either were Directors at the beginning of the period or whose election or nomination for election was so approved), cease for any reason to constitute a majority thereof; or

(iii) Final regulatory approval is obtained with respect to: (A) a plan of complete liquidation of the Company or the Bank; or (B) an agreement for the sale or disposition of all or substantially all the Company’s or the Bank’s assets; or (C) a merger, consolidation, or reorganization of the Company and/or the Bank with or involving any other corporation, other than a merger, consolidation, or reorganization that would result in the voting securities of the Company or the Bank (as applicable) outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of the surviving entity), at least fifty percent (50%) of the combined voting power of the voting securities of the Company or the Bank (as applicable) (or such surviving entity) outstanding immediately after such merger, consolidation, or reorganization.

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However, in no event shall a Change in Control Event be deemed to have occurred, with respect to the Executive, if the Executive is part of a purchasing group which consummates the Change in Control Event transaction. The Executive shall be deemed “part of a purchasing group” for purposes of the preceding sentence if the Executive is an equity participant in the purchasing company or group (except for: (i) passive ownership of less than three percent (3%) of the stock of the purchasing company; or (ii) ownership of equity participation in the purchasing company or group which is otherwise not significant, as determined prior to the Change in Control Event by a majority of the non-employee continuing Directors of the Company, as applicable).

Notwithstanding the foregoing, no event or combination of events shall constitute a Change in Control Event if or to the extent such event or events would not constitute a Change in Control Event under Section 409A of the Code or the guidance published thereunder as then in effect.

(i) “Code” means the Internal Revenue Code of 1986, as amended.

(j) “Company” means Wesbanco, Inc., a West Virginia bank holding company, or any successor thereto as provided in Article 8 herein.

(k) “Disability” means the inability of the Executive due to mental or physical defect or disease to perform the services required of the Executive in the position he or she held prior to the manifestation of that defect or disease.

(l) “Effective Date” means the date this Agreement is approved by the Company’s Board, or such other date as the Company’s Board shall designate in its resolution approving this Agreement.

(m) “Effective Date of Termination” means the date on which a Qualifying Termination occurs which triggers the payment of Severance Benefits hereunder.

(n) “Exchange Act” means the Securities Exchange Act of 1934, as amended.

(o) “Executive” means Jayson M. Zatta.

(p) “Good Reason” means, without the Executive’s express written consent, the occurrence after a Change in Control Event of the Company or the Bank of any one or more of the following:

(i) The assignment of the Executive to duties materially inconsistent with the Executive’s authorities, duties, responsibilities, and status (including offices, titles, and reporting requirements) as an officer of the Company and/or the Bank, or a reduction or alteration in the nature or status of the Executive’s authorities, duties, or responsibilities from those in effect as of ninety (90) days prior to the Change in Control Event, other than an insubstantial and inadvertent act that is remedied by the Company and/or the Bank promptly after receipt of notice thereof given by the Executive, and

4

other than any such alteration which is consented to by the Executive in writing;

(ii) The Company’s requiring the Executive to be based at a location in excess of thirty-five (35) miles from the location of the Executive’s principal job location or office immediately prior to the Change in Control Event; except for required travel on the Company’s and/or the Bank’s business to an extent substantially consistent with the Executive’s present business obligations;

(iii) A reduction by the Company or the Bank of the Executive’s Base Salary by at least ten percent (10%) from that in effect on the Effective Date;

(iv) The failure of the Company or the Bank to obtain a satisfactory agreement from any successor to the Company or the Bank to assume and agree to perform the Company’s and the Bank’s obligations under this Agreement, as contemplated in Article 8 herein; and

(v) Any purported termination by the Company or the Bank of the Executive’s employment that is not effected pursuant to a Notice of Termination satisfying the requirements of Section 2.8 herein, and for purposes of this Agreement, no such purported termination shall be effective.

The Executive’s right to terminate employment for Good Reason shall not be affected by the Executive’s incapacity due to physical or mental illness. The Executive’s continued employment shall not constitute consent to, or a waiver of rights with respect to, any circumstance constituting Good Reason herein.

(q) “Person” shall have the meaning ascribed to such term in Section 3(a)(9) of the Exchange Act and used in Sections 13(d) and 14(d) thereof, including a “group” as defined in Section 13(d). The term Person shall not include the Company or the Bank, any executive officer or Director of the Company, the Bank, or a subsidiary of the Company or Bank, or a group controlled by such Directors or executive officers, or any employee benefit plan of the Company, the Bank, or a subsidiary of the Company or Bank; provided, however, that the term Person shall include any individual who is a Director on the Effective Date, and who as of the Effective Date beneficially owned five percent (5%.) or more of the voting shares of common stock of the Company, or a group controlled by such a Director.

(r) “Qualifying Termination” means any of the events described in Section 2.3 herein, the occurrence of which triggers the payment of Severance Benefits hereunder.

(s) “Severance Benefits” means the payment of severance compensation as provided in Section 2.4 herein.

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Article 2.

Severance Benefits

2.1. Right to Severance Benefits. Subject to Section 2.9 herein, the Executive shall be entitled to receive from the Company and the Bank, jointly and severally, Severance Benefits as described in Section 2.4 herein, if a Change in Control Event of the Company and/or the Bank has occurred and if, within twenty-four (24) calendar months thereafter, the Executive’s employment with the Company and/or the Bank shall end for any reason specified in Section 2.3 herein as being a Qualifying Termination.

The Executive shall not be entitled to receive Severance Benefits if he is terminated for Cause, or if his employment with the Company ends due to death, Disability, retirement (as defined under the then established rules of the Company’s tax-qualified retirement plan), or due to a voluntary termination of employment by the Executive without Good Reason.

2.2. Services During Certain Events. In the event a Person begins a tender or exchange offer, solicits proxies from shareholders of the Company and/or the Bank, or takes other steps seeking to effect a Change in Control Event, the Executive agrees that he will not voluntarily leave the employ of the Company or the Bank and will render services until such Person has abandoned or terminated his or its efforts to effect a Change in Control Event, or, if later, until twenty-four (24) months after a Change in Control Event has occurred; provided, however, that the Company and the Bank may terminate the Executive for Cause at any time, and the Executive may terminate his employment any time after the Change in Control Event for Good Reason.

2.3. Qualifying Termination. The occurrence of any one or more of the following events within twenty-four (24) calendar months after a Change in Control Event of the Company or the Bank shall trigger the payment of Severance Benefits to the Executive under this Agreement:

(a) An involuntary termination of the Executive’s employment with the Company or the Bank without Cause;

(b) A voluntary termination of the Executive’s employment with the Company or the Bank for Good Reason;

(c) A successor company fails or refuses to assume the Company’s and the Bank’s obligations under this Agreement, as required by Article 8 herein; or

(d) The Company, the Bank, or any successor company breaches any of the provisions of this Agreement.

For purposes of this Agreement, a Qualifying Termination shall not include a termination of employment by reason of death, Disability, or retirement (as such term is defined under the then-established rules of the Company’s tax-qualified retirement plan), a voluntary termination without Good Reason, or an involuntary termination for Cause.

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2.4. Description of Severance Benefits. Subject to Section 2.9 herein, in the event that the Executive becomes entitled to receive Severance Benefits, as provided in Sections 2.1 and 2.3 herein, and subject to the limits set forth in Article 4 herein, the Company and/or the Bank shall pay to the Executive and provide him with total Severance Benefits equal to the following:

(a) An amount equal to one (1) times the highest rate of the Executive’s annual Base Salary in effect at any time up to and including the Effective Date of Termination.

(b) An amount equal to one (1) times the greater of: (i) the Executive’s average annual bonus earned over the most recent one (1) bonus plan years ending prior to the Effective Date of Termination; or (ii) the Executive’s bonus established for the annual bonus plan year in which the Executive’s Effective Date of Termination occurs.

(c) An amount equal to the Executive’s unpaid Base Salary and accrued vacation pay through the Effective Date of Termination.

(d) A continuation of all medical benefits pursuant to plans under which the Executive and/or the Executive’s family is eligible to receive medical benefits and/or coverage as of the effective date of the Change in Control Event. These benefits shall be provided by the Company and/or the Bank to the Executive immediately upon the Effective Date of Termination and shall continue to be provided for eighteen (18) months from the Effective Date of Termination. Such benefits shall be provided to the Executive at the same coverage level as in effect as of the Executive’s Effective Date of Termination. The Company and/or the Bank shall pay the full cost of such continued benefits, except that the Executive shall bear any portion of such cost as is required to be borne by key executives of the Company and/or the Bank generally at the time of such Change in Control Event.

The medical benefits described in this Subsection 2.4(d) shall continue for eighteen (18) months following the Effective Date of Termination; provided, however, that such benefits shall be discontinued prior to the end of the eighteen (18) month period to the extent, but only to the extent, that the Executive receives substantially similar benefits from a subsequent employer, as determined by the Company or the Bank.

The obligation of the Company and the Bank to provide the Executive with the Severance Benefits described herein shall be joint and several. Regardless of how the Company and the Bank apportion the responsibility for satisfying the obligations set forth herein, the total Severance Benefits payable to the Executive shall equal the amounts set forth in this Article 2, as limited by Article 4 herein.

2.5. Termination for Total and Permanent Disability. Following a Change in Control Event, if the Executive’s employment is terminated with the Company or the Bank due to Disability, the Executive shall receive his Base Salary and accrued vacation through the Effective Date of Termination, at the rate then in effect, plus all other amounts to which

7

the Executive is entitled under any employment contract or any compensation plans of the Company and the Bank, at the time such payments are due, and otherwise the Executive’s benefits shall be determined in accordance with the Company’s and the Bank’s retirement, insurance, and other applicable plans and programs then in effect.

2.6. Termination for Retirement or Death. Following a Change in Control Event, if the Executive’s employment with the Company or the Bank is terminated by reason of his retirement (as defined under the then established rules of the Company’s tax-qualified retirement plan), or death, the Executive (or his Beneficiary) shall receive his Base Salary and accrued vacation through the Effective Date of Termination, at the rate then in effect, plus all other amounts to which the Executive is entitled under any compensation plans of the Company and the Bank, at the time such payments are due, and otherwise the Executive’s benefits shall be determined in accordance with the Company’s and the Bank’s retirement, survivor’s benefits, insurance, and other applicable programs then in effect.

2.7. Termination for Cause or by the Executive Other Than for Good Reason. Following a Change in Control Event, if the Executive’s employment is terminated either: (i) by the Company or the Bank for Cause; or (ii) by the Executive other than for Good Reason, the Company and/or the Bank shall pay the Executive his full Base Salary and accrued vacation through the Effective Date of Termination, at the rate then in effect, plus all other amounts to which the Executive is entitled under any employment contract or any compensation plans of the Company and the Bank, at the time such payments are due, and the Company and the Bank shall have no further obligations to the Executive under this Agreement.

2.8. Notice of Termination. Any termination by the Company or the Bank for Cause or by the Executive for Good Reason shall be communicated by Notice of Termination to the other party. For purposes of this Agreement, a “Notice of Termination” shall mean a written notice which shall indicate the specific termination provision in this Agreement relied upon, and shall set forth in reasonable detail the facts and circumstances claimed to provide a basis for termination of the Executive’s employment under the provision so indicated.

2.9. Effectiveness of Agreement. Notwithstanding any provision of this Agreement to the contrary, this Agreement and any payments, benefits or rights of the Executive as provided herein are subject to Section 18(k) of the Federal Deposit Insurance Act, as amended, and any applicable regulations thereunder.

Article 3.

Form and Timing of Severance Benefits

3.1. Form and Timing of Severance Benefits. Except as limited by Article 4 herein, the Severance Benefits described in Sections 2.4(a), 2.4(b), and 2.4(c) herein shall be paid in cash to the Executive in a single lump sum as soon as practicable following the Effective Date of Termination, but in no event beyond thirty (30) days from such date.

8

3.2. Withholding of Taxes. The Company and/or the Bank, as applicable, shall withhold from any amounts payable under this Agreement all federal, state, city, or other taxes as legally shall be required.

Article 4.

Tax Limitation Provision

4.1. Limitation on Termination Payment.

(a) Determination of Termination Payment Limit. Notwithstanding any other provision of this Agreement, if any portion of the Severance Benefits or any other payment under this Agreement, or under any other agreement with or plan of the Company or the Bank (in the aggregate “Total Payments”) would constitute an “excess parachute payment,” then the payments to be made to the Executive under this Agreement shall be reduced or extended over an installment period such that the value of the aggregate Total Payments that the Executive is entitled to receive shall be One Dollar ($1.00) less than the maximum amount which the Executive may receive without becoming subject to the tax imposed by Section 4999 of the Code, or which the Company and the Bank may pay without loss of deduction under Section 280G(a) of the Code. For purposes of this Agreement, the terms “excess parachute payment” and “parachute payments” shall have the meanings assigned to them in Section 280G of the Code, and such “parachute payments” shall be valued as provided therein.

(b) Procedure for Establishing Limitation on Termination Payment. Within twenty (20) days following delivery of the Notice of Termination (as described in Section 2.8 herein) or notice by the Company or the Bank to the Executive of its belief that there is a payment or benefit due the Executive which will result in an “excess parachute payment” as defined in Section 280G of the Code, the Executive, the Company, and the Bank, at the Company’s and the Bank’s expense, shall obtain the opinion of the Company’s principal outside accounting firm (the “Accounting Firm”), which sets forth: (i) the amount of the Executive’s “annualized includible compensation for the base period” (as defined in Code Section 280G(d)(1)); (ii) the present value of the Total Payments; and (iii) the amount and present value of any “excess parachute payment.” Such opinion shall be binding upon the Company, the Bank, and the Executive.

In the event that such opinion determines that there would be an “excess parachute payment,” the Severance Benefits hereunder or any other payment determined by such accounting firm to be includible in Total Payments shall be reduced or eliminated as specified by the Executive in writing delivered to the Company and the Bank within ten (10) days of his receipt of such opinion, or, if the Executive fails to so notify the Company and the Bank, then as the Company or the Bank, as applicable, shall reasonably determine, so that under the basis of calculations set forth in such opinion, there will be no “excess parachute payment.”

9

The provisions of this Section 4.1(b), including the calculations, notices, and opinion provided for herein, shall be based upon the conclusive presumption that any compensation earned prior to the Effective Date of Termination by the Executive pursuant to the Company’s and the Bank’s compensation programs (if such compensation would have been paid in the future in any event, even though the timing of payment thereof is triggered by the Change in Control Event) is reasonable.

Article 5.

The Company’s and the Bank’s Payment Obligation

5.1. Payment Obligations Absolute. Except as otherwise provided in the last sentence of Section 2.4(d) herein, the Company’s and the Bank’s obligation to make the payments and the arrangements provided for herein shall be absolute and unconditional, and shall not be affected by any circumstance, including, without limitation, any offset, counterclaim, recoupment, defense, or other right which the Company or the Bank may have against the Executive or any other party. All amounts payable by the Company and the Bank hereunder shall be paid without notice or demand. Each and every payment made hereunder by the Company and the Bank shall be final, and neither the Company nor the Bank shall seek to recover all or any part of such payment from the Executive or from whomsoever may be entitled thereto, for any reasons whatsoever.

The Executive shall not be obligated to seek other employment in mitigation of the amounts payable or arrangements made under any provision of this Agreement, and the obtaining of any such other employment shall in no event effect any reduction of the Company’s or the Bank’s obligations to make the payments and arrangements required to be made under this Agreement, except to the extent provided in Section 2.4(d) herein.

5.2. Contractual Rights to Benefits. This Agreement establishes and vests in the Executive a contractual right to the benefits to which he is entitled hereunder. However, nothing herein contained shall require or be deemed to require, or prohibit or be deemed to prohibit, the Company or the Bank to segregate, earmark, or otherwise set aside any funds or other assets, in trust or otherwise, to provide for any payments to be made or required hereunder.

Article 6.

Term of Agreement

6.1. Subject to Section 2.9 herein, this Agreement shall commence on the Effective Date and shall continue in effect for three (3) full years, the last day of which shall be the “Expiration Date.” However, at the end of such three-year period and, if extended, at the end of each additional year thereafter, the term of this Agreement shall be extended automatically for one (1) additional year, unless the Company or the Bank delivers written notice three (3) months prior to the end of such term, or extended term, to the Executive, that the Agreement will not be extended. In such case, the Agreement will terminate at the end of the term, or extended term, then in progress.

10

However, in the event a Change in Control Event occurs during the original or any extended term, this Agreement will remain in effect for the longer of: (i) twenty-four (24) months beyond the month in which such Change in Control Event occurred; or (ii) until all obligations of the Company and the Bank hereunder have been fulfilled, and until all benefits required hereunder have been paid to the Executive or other party entitled thereto.

Article 7.

Legal Remedies

7.1. Arbitration. Any controversy or claim arising out of or relating to this Agreement or the breach thereof (including the arbitrability of any controversy or claim), shall be settled by arbitration in the City of Wheeling in accordance with the laws of the State of West Virginia by three (3) arbitrators, one of whom shall be appointed by the Company or the Bank, as applicable, one by the Executive, and the third of whom shall be appointed by the first two arbitrators. If the first two arbitrators cannot agree on the appointment of a third arbitrator, then the third arbitrator shall be appointed by the American Arbitration Association. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association, except with respect to the selection of arbitrators which shall be as provided in this Section 7.1. The cost of any arbitration proceeding hereunder shall be borne equally by the Company or the Bank, as applicable, and the Executive. The award of the arbitrators shall be binding upon the parties. Judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof.

7.2. Payment of Legal Fees. In the event that it shall be necessary or desirable for the Executive to retain legal counsel and/or incur other costs and expenses in connection with the enforcement of any or all of his rights under this Agreement, and provided that the Executive substantially prevails in the enforcement of such rights, the Company or the Bank, as applicable, shall pay (or the Executive shall be entitled to recover from the Company or the Bank, as the case may be) the Executive’s reasonable attorneys, fees, costs and expenses in connection with the enforcement of his rights including the enforcement of any arbitration award.

Article 8.

Successors

8.1. The rights of the Company and the Bank hereunder shall run in favor of the Company and the Bank, and their respective successors, assigns, nominees, or other legal representatives. Termination of the Executive’s employment shall not operate to relieve him of any remaining obligations hereunder, and all such obligations are binding upon his heirs, executors, administrators, or other legal representatives. The Company and the Bank shall require any successor (whether direct or indirect by purchase, merger, reorganization, consolidation, acquisition of property or stock, liquidation, or otherwise) to all or a significant portion of the assets of the Company or the Bank, as the case may be, by agreement in form and substance satisfactory to the Executive, expressly to assume and agree to perform this Agreement in the same manner and to the same extent that the Company or the Bank, as the case may be, would be required to perform if no such succession had taken place. Regardless of whether such agreement is executed, this Agreement shall be binding upon any successor in accordance with

11

the operation of law and such successor shall be deemed the “Company” or the “Bank,” as the case may be, for purposes of this Agreement.

Article 9.

Miscellaneous

9.1. Employment Status. The Executive, the Company, and the Bank acknowledge that, except as may be provided under any other agreement between the Executive and the Company or the Bank, the employment of the Executive by the Company and the Bank is “at will,” and, except as set forth in Section 2.2 herein, prior to the effective date of a Change in Control Event, may be terminated by either the Executive, the Company, or the Bank, at any time. Upon a termination of the Executive’s employment prior to the effective date of a Change in Control Event, there shall be no further rights under this Agreement; provided, however, that if such an employment termination shall arise in connection with, or in anticipation of, a Change in Control Event, then the Executive’s rights shall be the same as if the termination had occurred within two (2) years following a Change in Control Event.

9.2. Beneficiaries. The Executive may designate one or more persons or entities as the primary and/or contingent Beneficiaries of any Severance Benefits owing to the Executive under this Agreement. Such designation must be in the form of a signed writing acceptable to the Board of Directors of the Company or the Board of the Bank, as applicable. The Executive may make or change such designation at any time.

9.3. Entire Agreement; Superseding Effect. This Agreement contains the entire understanding of the Company, the Bank, and the Executive with respect to the subject matter hereof. In particular, to the extent of any conflict between the terms of this Amended and Restated Change in Control Agreement and any employment agreement to which the Executive, the Company and the Bank are parties, the terms of this Amended and Restated Change in Control Agreement shall completely replace and supersede the terms of the Executive’s employment agreement.

In addition and subject to Article 4, the payments provided for under this Agreement in the event of the Executive’s termination of employment shall be in lieu of any severance benefits payable under any severance plan, program, or policy of the Company and the Bank to which he might otherwise be entitled.

9.4. Gender and Number. Except where otherwise indicated by the context, any masculine term used herein also shall include the feminine; the plural shall include the singular, and the singular shall include the plural.

9.5. Notices. All notices, requests, demands, and other communications hereunder must be in writing and shall be deemed to have been duly given if delivered by hand or mailed within the continental United States by first-class certified mail, return receipt requested, postage prepaid, to the other party, addressed as follows:

12

(a) if to the Company:

Wesbanco, Inc.

One Bank Plaza

Wheeling, WV 26003

(b) if to the Bank:

Wesbanco Bank, Inc.

One Bank Plaza

Wheeling, WV 26003

(c) if to Executive:

Jayson M. Zatta

Addresses may be changed by written notice sent to the other party at the last recorded address of that party.

9.6. Execution in Counterparts. This Agreement may be executed by the parties hereto in counterparts, each of which shall be deemed to be original, but all such counterparts shall constitute one and the same instrument, and all signatures need not appear on any one counterpart.

9.7. Conflicting Agreements. The executive hereby represents and warrants to the Company and the Bank that his entering into this Agreement, and the obligations and duties undertaken by him hereunder, will not conflict with, constitute a breach of, or otherwise violate the terms of, any other employment or other agreement to which he is a party, except to the extent any such conflict, breach, or violation under any such agreement has been disclosed to the Company’s Board and the Bank’s Board in writing in advance of the signing of this Agreement.

9.8. Severability. In the event any provision of this Agreement shall be held illegal or invalid for any reason, the illegality or invalidity shall not affect the remaining parts of the Agreement, and the Agreement shall be construed and enforced as if the illegal or invalid provision had not been included. Further, the captions of this Agreement are not part of the provisions hereof and shall have no force and effect.

Notwithstanding any other provision of this Agreement to the contrary, the Company and the Bank shall have no obligation to make any payment to the Executive hereunder to the extent, but only to the extent, that such payment is prohibited by the terms of any final order of a Federal or state court or regulatory agency of competent jurisdiction; provided, however, that such an order shall not affect, impair, or invalidate any provision of this Agreement not expressly subject to such order.

9.9. Modification. No provision of this Agreement may be modified, waived, or discharged unless such modification, waiver, or discharge is agreed to in writing and signed by

13

the Executive and by a member of the Company’s Board or the Bank’s Board, as applicable, or by the respective parties, legal representatives or successors.

9.10. Applicable Law. To the extent not preempted by the laws of the United States, the laws of the Commonwealth of Pennsylvania shall be the controlling law in all matters relating to this Agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date and year first above written.

WESBANCO, INC.
By	/s/ Paul M. Limbert
Title	President
WESBANCO BANK, INC.
By	/s/ Paul M. Limbert
Title	President
/s/ Jayson M. Zatta
JAYSON M. ZATTA, EXECUTIVE

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EX-31.1

EXHIBIT 31.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

OF PERIODIC REPORT PURSUANT TO RULE 13a-15(e) or RULE 15d-15(e)

I, Todd F. Clossin, certify that:

1. I have reviewed this Report on Form 10-Q of WesBanco, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing similar functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: July 30, 2015	/s/ Todd F. Clossin
	Todd F. Clossin
	President and Chief Executive Officer

EX-31.2

EXHIBIT 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

OF PERIODIC REPORT PURSUANT TO RULE 13a-15(e) or RULE 15d-15(e)

I, Robert H. Young, certify that:

1. I have reviewed this Report on Form 10-Q of WesBanco, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing similar functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: July 30, 2015	/s/ Robert H. Young
	Robert H. Young
	Executive Vice President and Chief Financial Officer

EX-32.1

EXHIBIT 32.1

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of WesBanco, Inc. on Form 10-Q as filed with the Securities and Exchange Commission on the date hereof (the “Report”), each of the undersigned, in the capacity and on the date indicated below, hereby certifies pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to his knowledge:

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operation of WesBanco, Inc.

Date: July 30, 2015	/s/ Todd F. Clossin
	Todd F. Clossin
	President and Chief Executive Officer
Date: July 30, 2015	/s/ Robert H. Young
	Robert H. Young
	Executive Vice President and Chief Financial Officer

The forgoing certifications are being furnished solely pursuant to Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code in accordance with Section 906 of the Sarbanes-Oxley Act of 2002 and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.

A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

XML

Securities - Schedule of Gross Realized Gains and Losses on the Sales and Calls of Securities (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Securities Gross Realized Gain Loss [Abstract]
Gross realized gains	$ 2	$ 170	$ 26	$ 365
Gross realized losses	$ (2)	(5)	(4)	(190)
Net realized gains (losses)		$ 165	$ 22	$ 175

XML

Pension Plan - Components of Net Periodic Cost (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost - benefits earned during year	$ 836	$ 725	$ 1,663	$ 1,442
Interest cost on projected benefit obligation	1,214	1,183	2,415	2,353
Expected return on plan assets	(1,928)	(1,802)	(3,835)	(3,585)
Amortization of prior service cost	6	11	12	22
Amortization of net loss	793	367	1,577	730
Net periodic pension cost	$ 921	$ 484	$ 1,832	$ 962

XML

Loans and the Allowance for Credit Losses - Summary of Age Analysis of Loan Categories (Parenthetical) (Detail)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Past due loans excluded TDRs past due and accruing	90 days

XML

Pension Plan - Additional Information (Detail) - Jun. 30, 2015 - USD ($) $ in Millions	Total
Compensation and Retirement Disclosure [Abstract]
Minimum required pension plan contribution	$ 3.1
Partial credit balance utilized for minimum required contribution	34.9
Contribution of pension fund	$ 3.5

XML

Loans and the Allowance for Credit Losses - Summary of Commercial Loans by Risk Grade (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Summary of commercial loans by risk grade
Commercial loans	$ 2,927,591	$ 2,583,870
Pass [Member]
Summary of commercial loans by risk grade
Commercial loans	2,844,666	2,502,731
Criticized - Compromised [Member]
Summary of commercial loans by risk grade
Commercial loans	28,280	34,288
Classified - Substandard [Member]
Summary of commercial loans by risk grade
Commercial loans	54,645	46,851
Commercial Real Estate - Land and Construction [Member]
Summary of commercial loans by risk grade
Commercial loans	308,885	262,643
Commercial Real Estate - Land and Construction [Member] | Pass [Member]
Summary of commercial loans by risk grade
Commercial loans	302,514	257,218
Commercial Real Estate - Land and Construction [Member] | Criticized - Compromised [Member]
Summary of commercial loans by risk grade
Commercial loans	3,664	3,645
Commercial Real Estate - Land and Construction [Member] | Classified - Substandard [Member]
Summary of commercial loans by risk grade
Commercial loans	2,707	1,780
Commercial Real Estate - Improved Property [Member]
Summary of commercial loans by risk grade
Commercial loans	1,885,228	1,682,817
Commercial Real Estate - Improved Property [Member] | Pass [Member]
Summary of commercial loans by risk grade
Commercial loans	1,830,655	1,627,771
Commercial Real Estate - Improved Property [Member] | Criticized - Compromised [Member]
Summary of commercial loans by risk grade
Commercial loans	13,463	17,873
Commercial Real Estate - Improved Property [Member] | Classified - Substandard [Member]
Summary of commercial loans by risk grade
Commercial loans	41,110	37,173
Commercial and Industrial [Member]
Summary of commercial loans by risk grade
Commercial loans	733,478	638,410
Commercial and Industrial [Member] | Pass [Member]
Summary of commercial loans by risk grade
Commercial loans	711,497	617,742
Commercial and Industrial [Member] | Criticized - Compromised [Member]
Summary of commercial loans by risk grade
Commercial loans	11,153	12,770
Commercial and Industrial [Member] | Classified - Substandard [Member]
Summary of commercial loans by risk grade
Commercial loans	$ 10,828	$ 7,898

XML

Earnings Per Common Share - Summary of Earnings Per Common Share (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Numerator for both basic and diluted earnings per common share:
Net income	$ 21,633	$ 18,875	$ 35,512	$ 35,296
Denominator:
Total average basic common shares outstanding	38,472,229	29,242,180	36,443,951	29,212,347
Effect of dilutive stock options and warrant	59,471	79,747	60,720	81,077
Total diluted average common shares outstanding	38,531,700	29,321,927	36,504,671	29,293,424
Earnings per common share - basic	$ 0.56	$ 0.65	$ 0.97	$ 1.21
Earnings per common share - diluted	$ 0.56	$ 0.64	$ 0.97	$ 1.20

XML

Fair Value Measurement - Additional Information (Detail) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Fair Value Disclosures [Abstract]
Fair value transfer amount	$ 0	$ 0

XML

Comprehensive Income (Tables)

6 Months Ended

Jun. 30, 2015

Equity [Abstract]

Components of Accumulated Other Comprehensive Income

The activity in accumulated other comprehensive income for the six months ended June 30, 2015 and 2014 is as follows:

	Accumulated Other Comprehensive Income (1)
(unaudited, in thousands)	Defined Benefit Pension Plan			Unrealized Gains (Losses) on  Securities Available-for-Sale			Unrealized Gains on Securities Transferred  from Available-for-Sale to Held-to-Maturity			Total
Balance at December 31, 2014	$	(22,776	)	$	2,892		$	1,059		$	(18,825	)
Other comprehensive income before reclassifications		—			(3,711	)		—			(3,711	)
Amounts reclassified from accumulated other comprehensive income		981			(13	)		(134	)		834
Period change		981			(3,724	)		(134	)		(2,877	)
Balance at June 30, 2015	$	(21,795	)	$	(832	)	$	925		$	(21,702	)
Balance at December 31, 2013	$	(7,966	)	$	(6,126	)	$	1,358		$	(12,734	)
Other comprehensive income before reclassifications		—			7,194			—			7,194
Amounts reclassified from accumulated other comprehensive income		475			(157	)		(171	)		147
Period change		475			7,037			(171	)		7,341
Balance at June 30, 2014	$	(7,491	)	$	911		$	1,187		$	(5,393	)

⁽¹⁾  All amounts are net of tax. Related income tax expense or benefit is calculated using a combined Federal and State income tax rate approximating 37%.

Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income

The following table provides details about amounts reclassified from accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014:

Details about Accumulated Other Comprehensive Income Components	For the Three Months Ended June 30,						For the Six Months Ended June 30,						Affected Line Item in the Statement of Net Income
(unaudited, in thousands)	2015			2014			2015			2014
Securities available-for-sale (1):
Net securities gains reclassified into earnings	$	(2	)	$	(170	)	$	(20	)	$	(248	)	Net securities gains (Non-interest income)
Related income tax expense		1			63			7			91		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(1	)		(107	)		(13	)		(157	)
Securities held-to-maturity (1):
Amortization of unrealized gain transferred from available-for-sale		(107	)		(132	)		(214	)		(270	)	Interest and dividends on securities (Interest and dividend income)
Related income tax expense		39			48			80			99		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(68	)		(84	)		(134	)		(171	)
Defined benefit pension plan (2):
Amortization of net loss and prior service costs		799			378			1,589			752		Employee benefits (Non-interest expense)
Related income tax benefit		(293	)		(139	)		(608	)		(277	)	Provision for income taxes
Net effect on accumulated other comprehensive income for the period		506			239			981			475
Total reclassifications for the period	$	437		$	48		$	834		$	147

⁽¹⁾ For additional detail related to unrealized gains on securities and related amounts reclassified from accumulated other comprehensive income see Note 4, “Securities.”

⁽²⁾ Included in the computation of net periodic pension cost. See Note 6, “Pension Plan” for additional detail.

XML

Loans and the Allowance for Credit Losses - Recorded Investment in Non-Accrual Loans and TDRs (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Non-accrual loans	$ 48,204	$ 38,818
TDRs	26,098	17,486
Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	12,958	12,066
Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	13,140	5,420
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	1,382	1,488
TDRs	1,628	464
Commercial Real Estate - Land and Construction [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	1,127
Commercial Real Estate - Land and Construction [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	501	464
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	26,103	20,227
TDRs	12,170	4,287
Commercial Real Estate - Improved Property [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	2,409	2,437
Commercial Real Estate - Improved Property [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	9,761	1,850
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	27,485	21,715
TDRs	13,798	4,751
Commercial Real Estate [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	3,536	2,437
Commercial Real Estate [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	10,262	2,314
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	7,664	4,110
TDRs	619	807
Commercial and Industrial [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	326	329
Commercial and Industrial [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	293	478
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	10,117	10,329
TDRs	9,939	10,289
Residential Real Estate [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	7,850	8,215
Residential Real Estate [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	2,089	2,074
Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	2,251	1,923
TDRs	1,022	985
Home Equity [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	744	740
Home Equity [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	278	245
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Non-accrual loans	687	741
TDRs	720	654
Consumer [Member] | Accruing TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	502	345
Consumer [Member] | Non-Accrual TDRs [Member]
Financing Receivable, Impaired [Line Items]
TDRs	$ 218	$ 309

XML

Loans and the Allowance for Credit Losses - Schedule of Recorded Investment in Loans by Category (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	$ 4,933,645	$ 4,086,766
Loans held for sale	11,160	5,865
Total loans	4,944,805	4,092,631
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	308,885	262,643
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	1,885,228	1,682,817
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	2,194,113	1,945,460
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	733,478	638,410
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	1,241,470	928,770
Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	379,740	330,031
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total portfolio loans	$ 384,844	$ 244,095

XML

Securities - Schedule of Fair Value of Available-for-Sale and Held-to-Maturity Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, One Year or less	$ 87,607
Total available-for-sale securities, One to Five Years	113,105
Total available-for-sale securities, Five to Ten Years	99,468
Total available-for-sale securities, After Ten Years	50,942
Total available-for-sale securities, Mortgage-backed and Equity	1,243,536
Available-for-sale, Estimated Fair Value	1,594,658	$ 917,424
Total held-to-maturity securities, One Year or less	1,877
Total held-to-maturity securities, One to Five Years	28,306
Total held-to-maturity securities, Five to Ten Years	328,331
Total held-to-maturity securities, After Ten Years	383,788
Total held-to-maturity securities, Mortgage-backed and Equity	121,924
Held-to-maturity securities, Fair value	864,226	619,617
Total securities, One Year or less	89,484
Total securities, One to Five Years	141,411
Total securities, Five to Ten Years	427,799
Total securities, After Ten Years, Fair value	434,730
Total securities, Mortgage- backed and Equity	1,365,460
Total securities, Fair value	2,458,884
Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member]
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, Mortgage-backed and Equity	1,232,422
Available-for-sale, Estimated Fair Value	1,232,422	701,113
Total held-to-maturity securities, Mortgage-backed and Equity	121,924
Held-to-maturity securities, Fair value	121,924	82,020
Obligations of State and Political Subdivisions [Member]
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, One Year or less	4,745
Total available-for-sale securities, One to Five Years	31,657
Total available-for-sale securities, Five to Ten Years	27,147
Total available-for-sale securities, After Ten Years	29,222
Available-for-sale, Estimated Fair Value	92,771	91,433
Total held-to-maturity securities, One Year or less	1,877
Total held-to-maturity securities, One to Five Years	27,296
Total held-to-maturity securities, Five to Ten Years	319,753
Total held-to-maturity securities, After Ten Years	383,788
Held-to-maturity securities, Fair value	732,714	530,801
Corporate Debt Securities [Member]
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, One Year or less	82,862
Total available-for-sale securities, One to Five Years	56,218
Total available-for-sale securities, Five to Ten Years	33,344
Total available-for-sale securities, After Ten Years	4,890
Available-for-sale, Estimated Fair Value	177,314	25,996
Total held-to-maturity securities, One to Five Years	1,010
Total held-to-maturity securities, Five to Ten Years	8,578
Held-to-maturity securities, Fair value	9,588	6,796
Obligations of Government Agencies [Member]
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, One to Five Years	25,230
Total available-for-sale securities, Five to Ten Years	38,977
Total available-for-sale securities, After Ten Years	16,830
Available-for-sale, Estimated Fair Value	81,037	87,736
Equity Securities [Member]
Schedule Of Available For Sale Securities And Held To Maturity [Line Items]
Total available-for-sale securities, Mortgage-backed and Equity	11,114
Available-for-sale, Estimated Fair Value	$ 11,114	$ 11,146

XML

Loans and the Allowance for Credit Losses - TDRs Defaulted Later Restructured (Detail) $ in Thousands	6 Months Ended
	Jun. 30, 2015 USD ($) Defaults	Jun. 30, 2014 USD ($) Defaults
Financing Receivable, Modifications [Line Items]
Number of Defaults	1	4
Recorded Investment | $	$ 42	$ 236
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Defaults		4
Recorded Investment | $		$ 236
Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Defaults	1
Recorded Investment | $	$ 42

XML

Comprehensive Income - Components of Accumulated Other Comprehensive Income (Parenthetical) (Detail)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Percentage of Federal and State income tax rate	37.00%	37.00%

XML

Loans and the Allowance for Credit Losses - Summary of Age Analysis of Loan Categories (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Current	$ 4,893,737	$ 4,042,825
Total Past Due	39,908	43,941
Total Loans	4,933,645	4,086,766
90 Days or More Past Due and Accruing	2,471	2,288
Loans held for sale, current	11,160	5,865
Loans held for sale	11,160	5,865
Total loans, current	4,904,897	4,048,690
Total loans	4,944,805	4,092,631
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	6,891	8,500
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	6,643	9,976
90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	26,374	25,465
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	307,522	261,356
Total Past Due	1,363	1,287
Total Loans	308,885	262,643
90 Days or More Past Due and Accruing		71
Commercial Real Estate - Land and Construction [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	252	20
Commercial Real Estate - Land and Construction [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,111	1,267
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	1,870,393	1,665,363
Total Past Due	14,835	17,454
Total Loans	1,885,228	1,682,817
90 Days or More Past Due and Accruing	180
Commercial Real Estate - Improved Property [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,304	961
Commercial Real Estate - Improved Property [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	797	4,772
Commercial Real Estate - Improved Property [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	12,734	11,721
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	2,177,915	1,926,719
Total Past Due	16,198	18,741
Total Loans	2,194,113	1,945,460
90 Days or More Past Due and Accruing	180	71
Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,556	981
Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	797	4,772
Commercial Real Estate [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	13,845	12,988
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	729,815	634,482
Total Past Due	3,663	3,928
Total Loans	733,478	638,410
90 Days or More Past Due and Accruing	3	22
Commercial and Industrial [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	356	1,834
Commercial and Industrial [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	896	240
Commercial and Industrial [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	2,411	1,854
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	1,229,198	915,968
Total Past Due	12,272	12,802
Total Loans	1,241,470	928,770
90 Days or More Past Due and Accruing	1,838	1,306
Residential Real Estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,014	1,237
Residential Real Estate [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	3,322	3,384
Residential Real Estate [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	7,936	8,181
Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	375,663	325,291
Total Past Due	4,077	4,740
Total Loans	379,740	330,031
90 Days or More Past Due and Accruing	228	570
Home Equity [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,212	1,877
Home Equity [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,010	895
Home Equity [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,855	1,968
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	381,146	240,365
Total Past Due	3,698	3,730
Total Loans	384,844	244,095
90 Days or More Past Due and Accruing	222	319
Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	2,753	2,571
Consumer [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	618	685
Consumer [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	327	474
Non-Accrual Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	21,964	7,562
Total Past Due	26,240	31,256
Total Loans	48,204	38,818
Non-Accrual Loans [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,030	2,884
Non-Accrual Loans [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,641	5,552
Non-Accrual Loans [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	23,569	22,820
TDRs Accruing Interest [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	12,081	11,016
Total Past Due	877	1,050
Total Loans	12,958	12,066
TDRs Accruing Interest [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	109	151
TDRs Accruing Interest [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	434	542
TDRs Accruing Interest [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	334	357
Total Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	34,045	18,578
Total Past Due	27,117	32,306
Total Loans	61,162	50,884
Total Impaired [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	1,139	3,035
Total Impaired [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	2,075	6,094
Total Impaired [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Past Due	$ 23,903	$ 23,177

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Mergers and Acquisitions

6 Months Ended

Jun. 30, 2015

Business Combinations [Abstract]

Mergers and Acquisitions

NOTE 2. MERGERS AND ACQUISITIONS

On February 10, 2015, WesBanco completed its acquisition of ESB Financial Corporation (“ESB”), and its wholly-owned banking subsidiary, ESB Bank (“ESB Bank”), a Pennsylvania-chartered stock savings bank headquartered in Ellwood City, Pennsylvania. The transaction expanded WesBanco’s franchise in the Pittsburgh region of western Pennsylvania from 16 to 38 offices.

On the acquisition date, ESB had $1.9 billion in assets, excluding goodwill, which included $700.9 million in loans, and $486.9 million in securities. The ESB acquisition was valued at $339.0 million, based on WesBanco’s closing stock price on February 10, 2015 of $32.00, and resulted in WesBanco issuing 9,178,531 shares of its common stock and $45.0 million in cash and other assets in exchange for ESB common stock. The assets and liabilities of ESB were recorded on WesBanco’s balance sheet at their preliminary estimated fair values as of February 10, 2015, the acquisition date, and ESB’s results of operations have been included in WesBanco’s Consolidated Statements of Income since that date. ESB was merged into WesBanco and ESB Bank was merged into WesBanco Bank, Inc. (the “Bank”) on February 10, 2015. Based on a preliminary purchase price allocation, WesBanco recorded $169.3 million in goodwill and $5.3 million in core deposit intangibles in its community banking segment, representing the principal change in goodwill and intangibles from December 31, 2014. The fair values for the assets acquired and liabilities assumed are provisional amounts and are currently under review. Due to the timing of the ESB acquisition, WesBanco is still in the process of completing its fair market valuation, including the valuation of certain tangible and intangible assets as well as deferred income taxes. None of the goodwill is deductible for income tax purposes as the acquisition is accounted for as a tax-free exchange for tax purposes. As a result of the full integration of the operations of ESB, it is not practicable to determine the proforma results or revenue and net income included in WesBanco’s operating results relating to ESB since the date of acquisition because ESB has been fully integrated into WesBanco’s operations, and the operating results of ESB can therefore not be separately identified.

For the six months ended June 30, 2015, WesBanco recorded merger-related expenses of $10.8 million associated with the ESB acquisition. In 2014 WesBanco recognized $1.3 million in merger-related expenses in connection with the ESB acquisition.

The purchase price of the ESB acquisition and resulting goodwill is summarized as follows:

(unaudited, in thousands)	February 10, 2015
Purchase Price:
Fair value of WesBanco shares issued, (net of equity issuance costs of $0.1 million)	$	293,933
Cash consideration for outstanding ESB shares, options and restricted stock		37,036
Settlement of pre-existing loan to ESB		8,000
Total purchase price	$	338,969
Fair value of:
Tangible assets acquired	$	1,858,360
Core deposit and other intangible assets acquired		5,346
Liabilities assumed		(1,702,554	)
Net cash received in the acquisition		8,485
Fair value of net assets acquired		169,637
Goodwill recognized	$	169,332

The following table presents the preliminary allocation of the purchase price of the assets acquired and the liabilities assumed at the date of acquisition, as WesBanco intends to finalize its accounting for the acquisition of ESB during 2015:

(unaudited, in thousands)	February 10, 2015
Assets
Cash and due from banks	$	8,485
Securities		486,891
Loans		700,933
Goodwill and other intangible assets		174,678
Accrued income and other assets (1)		670,536
Total Assets	$	2,041,523
Liabilities
Deposits	$	1,246,992
Borrowings		433,454
Accrued expenses and other liabilities		22,108
Total liabilities		1,702,554
Purchase price	$	338,969

⁽¹⁾  Includes receivables of $560.7 million from the sale of available-for-sale securities prior to the acquisition date.

XML

Comprehensive Income - Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Net effect on accumulated other comprehensive income for the period			$ (3,724)	$ 7,037
Defined benefit pension plan (2):
Total reclassifications for the period			(834)	(147)
Amounts Reclassified From Accumulated Other Comprehensive Income/(Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Net securities gains reclassified into earnings	$ (2)	$ (170)	(20)	(248)
Related income tax expense	1	63	7	91
Net effect on accumulated other comprehensive income for the period	(1)	(107)	(13)	(157)
Amortization of unrealized gain transferred from available-for-sale	(107)	(132)	(214)	(270)
Related income tax expense	39	48	80	99
Net effect on accumulated other comprehensive income for the period	(68)	(84)	(134)	(171)
Defined benefit pension plan (2):
Amortization of net loss and prior service costs	799	378	1,589	752
Related income tax benefit	(293)	(139)	(608)	(277)
Net effect on accumulated other comprehensive income for the period	506	239	981	475
Total reclassifications for the period	$ 437	$ 48	$ 834	$ 147

XML

Loans and the Allowance for Credit Losses - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			$ 44,654	$ 47,368
Allowance for loan commitments, beginning balance			455	602
Total beginning allowance for credit losses			45,109	47,970
Provision for loan losses			3,620	3,114
Provision for loan commitments			350	(66)
Total provision for credit losses	$ 2,681	$ 849	3,970	3,048
Charge-offs			(6,351)	(6,639)
Recoveries			1,496	1,898
Net charge-offs			(4,855)	(4,741)
Allowance for loan losses, ending balance	43,419	45,741	43,419	45,741
Allowance for loan commitments, ending balance	805	536	805	536
Total ending allowance for credit losses	44,224	46,277	44,224	46,277
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			5,654	6,056
Allowance for loan commitments, beginning balance			194	301
Total beginning allowance for credit losses			5,848	6,357
Provision for loan losses			(551)	(405)
Provision for loan commitments			13	(20)
Total provision for credit losses			(538)	(425)
Allowance for loan losses, ending balance	5,103	5,651	5,103	5,651
Allowance for loan commitments, ending balance	207	281	207	281
Total ending allowance for credit losses	5,310	5,932	5,310	5,932
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			17,573	18,157
Allowance for loan commitments, beginning balance			10	62
Total beginning allowance for credit losses			17,583	18,219
Provision for loan losses			633	(511)
Provision for loan commitments			10	(52)
Total provision for credit losses			643	(563)
Charge-offs			(1,234)	(728)
Recoveries			256	390
Net charge-offs			(978)	(338)
Allowance for loan losses, ending balance	17,228	17,308	17,228	17,308
Allowance for loan commitments, ending balance	20	10	20	10
Total ending allowance for credit losses	17,248	17,318	17,248	17,318
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			9,063	9,925
Allowance for loan commitments, beginning balance			112	130
Total beginning allowance for credit losses			9,175	10,055
Provision for loan losses			1,448	1,870
Provision for loan commitments			301	1
Total provision for credit losses			1,749	1,871
Charge-offs			(1,430)	(2,384)
Recoveries			110	543
Net charge-offs			(1,320)	(1,841)
Allowance for loan losses, ending balance	9,191	9,954	9,191	9,954
Allowance for loan commitments, ending balance	413	131	413	131
Total ending allowance for credit losses	9,604	10,085	9,604	10,085
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			5,382	5,673
Allowance for loan commitments, beginning balance			9	5
Total beginning allowance for credit losses			5,391	5,678
Provision for loan losses			25	575
Provision for loan commitments			3
Total provision for credit losses			28	575
Charge-offs			(944)	(1,207)
Recoveries			301	248
Net charge-offs			(643)	(959)
Allowance for loan losses, ending balance	4,764	5,289	4,764	5,289
Allowance for loan commitments, ending balance	12	5	12	5
Total ending allowance for credit losses	4,776	5,294	4,776	5,294
Home Equity [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			2,329	2,017
Allowance for loan commitments, beginning balance			90	85
Total beginning allowance for credit losses			2,419	2,102
Provision for loan losses			1,254	392
Provision for loan commitments			23	5
Total provision for credit losses			1,277	397
Charge-offs			(948)	(348)
Recoveries			53	71
Net charge-offs			(895)	(277)
Allowance for loan losses, ending balance	2,688	2,132	2,688	2,132
Allowance for loan commitments, ending balance	113	90	113	90
Total ending allowance for credit losses	2,801	2,222	2,801	2,222
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			4,078	5,020
Allowance for loan commitments, beginning balance			40	19
Total beginning allowance for credit losses			4,118	5,039
Provision for loan losses			580	642
Total provision for credit losses			580	642
Charge-offs			(1,414)	(1,610)
Recoveries			658	512
Net charge-offs			(756)	(1,098)
Allowance for loan losses, ending balance	3,902	4,564	3,902	4,564
Allowance for loan commitments, ending balance	40	19	40	19
Total ending allowance for credit losses	3,942	4,583	3,942	4,583
Deposit Overdraft [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning balance			575	520
Total beginning allowance for credit losses			575	520
Provision for loan losses			231	551
Total provision for credit losses			231	551
Charge-offs			(381)	(362)
Recoveries			118	134
Net charge-offs			(263)	(228)
Allowance for loan losses, ending balance	543	843	543	843
Total ending allowance for credit losses	$ 543	$ 843	$ 543	$ 843

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Mergers and Acquisitions - Calculation of Purchase Price and Resulting Goodwill Relating to ESB Acquisition (Detail) - Feb. 10, 2015 - ESB Financial Corporation [Member] - USD ($) $ in Thousands	Total
Purchase Price:
Fair value of WesBanco shares issued, (net of equity issuance costs of $0.1 million)	$ 293,933
Cash consideration for outstanding ESB shares, options and restricted stock	37,036
Settlement of pre-existing loan to ESB	8,000
Total purchase price	338,969
Fair value of:
Tangible assets acquired	1,858,360
Core deposit and other intangible assets acquired	5,346
Liabilities assumed	(1,702,554)
Net cash received in the acquisition	8,485
Fair value of net assets acquired	169,637
Goodwill recognized	$ 169,332

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Mergers and Acquisitions - Additional Information (Detail) $ / shares in Units, $ in Thousands		6 Months Ended	12 Months Ended
	Feb. 10, 2015 USD ($) Office $ / shares shares	Jun. 30, 2015 USD ($) shares	Dec. 31, 2014 USD ($)	Feb. 09, 2015 Office
Business Acquisition [Line Items]
Loans		$ 700,900
ESB Financial Corporation [Member]
Business Acquisition [Line Items]
Total Assets	$ 1,900,000
Loans	700,933
Securities	486,891
Value of acquisition	$ 338,969
Common shares issued | shares	9,178,531
Cash consideration for outstanding shares	$ 45,000
Purchase price allocation, goodwill	169,332
Purchase price allocation in core deposit intangible	$ 5,346
Closing stock price | $ / shares	$ 32.00
Merger related expense		$ 10,800	$ 1,300
Pennsylvania [Member]
Business Acquisition [Line Items]
Number of offices | Office	38			16
Common Stock [Member]
Business Acquisition [Line Items]
Common shares issued | shares		9,178,531
Common Stock [Member] | ESB Financial Corporation [Member]
Business Acquisition [Line Items]
Common shares issued | shares	9,178,531

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Fair Value Measurement - Schedule of Fair Value of Assets and Liabilities Measured on Recurring and Nonrecurring Basis (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	$ 1,594,658	$ 917,424
Other real estate owned and repossessed assets	6,168	5,082
Loans held for sale	11,160	5,865
Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,594,658	917,424
Total recurring fair value measurements	1,594,658	917,424
Nonrecurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	8,128	6,024
Other real estate owned and repossessed assets	6,168	5,082
Loans held for sale	11,160	5,865
Total nonrecurring fair value measurements	25,456	16,971
Obligations of Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	81,037	87,736
Obligations of Government Agencies [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	81,037	87,736
Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,232,422	701,113
Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,232,422	701,113
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	92,771	91,433
Obligations of State and Political Subdivisions [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	92,771	91,433
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	177,314	25,996
Corporate Debt Securities [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	177,314	25,996
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	11,114	11,146
Equity Securities [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	11,114	11,146
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	8,315	8,440
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	8,315	8,440
Total recurring fair value measurements	8,315	8,440
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Equity Securities [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	8,315	8,440
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,586,343	908,984
Loans held for sale	11,160	5,865
Significant Other Observable Inputs (Level 2) [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,586,343	908,984
Total recurring fair value measurements	1,586,343	908,984
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	11,160	5,865
Total nonrecurring fair value measurements	11,160	5,865
Significant Other Observable Inputs (Level 2) [Member] | Obligations of Government Agencies [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	81,037	87,736
Significant Other Observable Inputs (Level 2) [Member] | Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	1,232,422	701,113
Significant Other Observable Inputs (Level 2) [Member] | Obligations of State and Political Subdivisions [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	92,771	91,433
Significant Other Observable Inputs (Level 2) [Member] | Corporate Debt Securities [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	177,314	25,996
Significant Other Observable Inputs (Level 2) [Member] | Equity Securities [Member] | Recurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities - available-for-sale	2,799	2,706
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring Fair Value Measurements [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	8,128	6,024
Other real estate owned and repossessed assets	6,168	5,082
Total nonrecurring fair value measurements	$ 14,296	$ 11,106

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Loans and the Allowance for Credit Losses - Allowance for Credit Losses and Recorded Investments in Loans (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans individually evaluated for impairment	$ 3,912	$ 3,798
Allowance for loans collectively evaluated for impairment	39,507	40,856
Allowance for loan commitments	805	455	$ 536	$ 602
Total allowance for credit losses	44,224	45,109	46,277	47,970
Individually evaluated for impairment	24,482	14,313
Collectively evaluated for impairment	4,909,163	4,072,453
Total Loans	4,933,645	4,086,766
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans collectively evaluated for impairment	5,103	5,654
Allowance for loan commitments	207	194	281	301
Total allowance for credit losses	5,310	5,848	5,932	6,357
Individually evaluated for impairment	1,040
Collectively evaluated for impairment	307,845	262,643
Total Loans	308,885	262,643
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans individually evaluated for impairment	2,891	2,765
Allowance for loans collectively evaluated for impairment	14,337	14,808
Allowance for loan commitments	20	10	10	62
Total allowance for credit losses	17,248	17,583	17,318	18,219
Individually evaluated for impairment	18,054	11,469
Collectively evaluated for impairment	1,867,174	1,671,348
Total Loans	1,885,228	1,682,817
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans individually evaluated for impairment	1,021	1,033
Allowance for loans collectively evaluated for impairment	8,170	8,030
Allowance for loan commitments	413	112	131	130
Total allowance for credit losses	9,604	9,175	10,085	10,055
Individually evaluated for impairment	5,388	2,844
Collectively evaluated for impairment	728,090	635,566
Total Loans	733,478	638,410
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans collectively evaluated for impairment	4,764	5,382
Allowance for loan commitments	12	9	5	5
Total allowance for credit losses	4,776	5,391	5,294	5,678
Collectively evaluated for impairment	1,241,470	928,770
Total Loans	1,241,470	928,770
Home Equity [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans collectively evaluated for impairment	2,688	2,329
Allowance for loan commitments	113	90	90	85
Total allowance for credit losses	2,801	2,419	2,222	2,102
Collectively evaluated for impairment	379,740	330,031
Total Loans	379,740	330,031
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans collectively evaluated for impairment	3,902	4,078
Allowance for loan commitments	40	40	19	19
Total allowance for credit losses	3,942	4,118	4,583	5,039
Collectively evaluated for impairment	384,844	244,095
Total Loans	384,844	244,095
Deposit Overdraft [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loans collectively evaluated for impairment	543	575
Total allowance for credit losses	$ 543	$ 575	$ 843	$ 520

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Mergers and Acquisitions - Calculation of Purchase Price and Resulting Goodwill Relating to ESB Acquisition (Parenthetical) (Detail) $ in Millions	Feb. 10, 2015 USD ($)
ESB Financial Corporation [Member]
Business Acquisition [Line Items]
Equity issuance costs	$ 0.1

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Mergers and Acquisitions - Summary of Fair Value of Net Assets that Wesbanco Acquired from ESB (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Feb. 10, 2015
Assets
Loans	$ 700,900
ESB Financial Corporation [Member]
Assets
Cash and due from banks		$ 8,485
Securities		486,891
Loans		700,933
Goodwill and other intangible assets		174,678
Accrued income and other assets		670,536
Total Assets		2,041,523
Liabilities
Deposits		1,246,992
Borrowings		433,454
Accrued expenses and other liabilities		22,108
Total liabilities		1,702,554
Purchase price		$ 338,969

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Summary of Significant Accounting Policies

6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Summary of Significant Accounting Policies

NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation — The accompanying unaudited interim financial statements of WesBanco, Inc. and its consolidated subsidiaries (“WesBanco”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2014.

WesBanco’s interim financial statements have been prepared following the significant accounting policies disclosed in Note 1 of the Notes to the Consolidated Financial Statements of its 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission. In the opinion of management, the accompanying interim financial information reflects all adjustments, including normal recurring adjustments, necessary to present fairly WesBanco’s financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year.

Recent accounting pronouncements — In May 2015, the Financial Accounting Standards Board (the “FASB”) issued an Accounting Standards Update (“ASU”) (ASU 2015-07) related to disclosures for investments in certain entities that calculate net asset value (NAV) per share (or its equivalent). This update removes the requirement to categorize within the fair value hierarchy all investments for which fair value is measured using the net asset value per share practical expedient and modifies certain disclosure requirements. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2015, and requires retrospective adoption. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In April 2015, the FASB issued ASU 2015-05 that provides guidance on when to account for a cloud computing arrangement as a software license. The guidance applies only to internal-use software that a customer obtains access to in a hosting arrangement if both of the following criteria are met: (1) The customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty, (2) it is feasible for the customer to either run the software on its own hardware or contract with another party unrelated to the vendor to host the software. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In February 2015, the FASB issued ASU 2015-02 that revised the consolidation model, requiring reporting entities to reevaluate whether they should consolidate certain legal entities under the revised model. The amendments in this update modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities, and eliminate the presumption that a general partner should consolidate and affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships. The pronouncement also provides for a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In August 2014, the FASB issued ASU 2014-14 related to the classification of certain government-guaranteed mortgage loans upon foreclosure. The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) The loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based upon the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014 and may be adopted under either a modified retrospective transition method or a prospective transition method. However, the same method of transition as elected under ASU 2014-04 must be applied. While early adoption was permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

        In June 2014, the FASB issued ASU 2014-11 related to repurchase-to-maturity transactions, repurchase financing and disclosures. The pronouncement changes the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The pronouncement also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. While early adoption was not permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. Early adoption was not permitted. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

In May 2014, the FASB issued ASU 2014-09 related to the recognition of revenue from contracts with customers. The new revenue pronouncement creates a single source of revenue guidance for all companies in all industries and is more principles-based than current revenue guidance. The pronouncement provides a five-step model for a company to recognize revenue when it transfers control of goods or services to customers at an amount that reflects the consideration to which it expects to be entitled in exchange for those goods or services. The five steps are, (1) identify the contract with the customer, (2) identify the separate performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the separate performance obligations and (5) recognize revenue when each performance obligation is satisfied. The pronouncement was originally effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2016 using either a full retrospective approach for all periods presented in the period of adoption or a modified retrospective approach. Early adoption is not permitted. On July 9, 2015, the FASB approved a one-year deferral of the effective date of the update. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2017. Early adoption is now permitted as of the original effective date for interim and annual reporting periods in fiscal years beginning after December 15, 2016. WesBanco is currently evaluating the impact of the adoption of this pronouncement on its Consolidated Financial Statements.

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Mergers and Acquisitions - Summary of Fair Value of Net Assets that Wesbanco Acquired from ESB (Parenthetical) (Detail) $ in Millions	Jun. 30, 2015 USD ($)
ESB Financial Corporation [Member]
Business Acquisition [Line Items]
Receivables from sale of available-for-sale securities	$ 560.7

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Securities - Schedule of Unrealized Losses on Investment Securities (Detail) $ in Thousands	Jun. 30, 2015 USD ($) Security	Dec. 31, 2014 USD ($) Security
Obligations of Government Agencies [Member]
Net Unrealized Gains And Losses On Investments [Line Items]
Less than 12 months, Fair Value	$ 37,435	$ 19,362
Less than 12 months, Unrealized Losses	$ (295)	$ (77)
Less than 12 months, Number of Securities | Security	9	5
12 months or more, Fair Value		$ 19,757
12 months or more, Unrealized Losses		$ (238)
12 months or more, Number of Securities | Security		4
Fair Value, Total	$ 37,435	$ 39,119
Unrealized Losses, Total	$ (295)	$ (315)
Number of Securities Total | Security	9	9
Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member]
Net Unrealized Gains And Losses On Investments [Line Items]
Less than 12 months, Fair Value	$ 755,016	$ 78,786
Less than 12 months, Unrealized Losses	$ (7,346)	$ (386)
Less than 12 months, Number of Securities | Security	138	19
12 months or more, Fair Value	$ 164,273	$ 240,055
12 months or more, Unrealized Losses	$ (4,869)	$ (6,618)
12 months or more, Number of Securities | Security	33	43
Fair Value, Total	$ 919,289	$ 318,841
Unrealized Losses, Total	$ (12,215)	$ (7,004)
Number of Securities Total | Security	171	62
Obligations of State and Political Subdivisions [Member]
Net Unrealized Gains And Losses On Investments [Line Items]
Less than 12 months, Fair Value	$ 299,339	$ 12,615
Less than 12 months, Unrealized Losses	$ (4,629)	$ (96)
Less than 12 months, Number of Securities | Security	415	15
12 months or more, Fair Value	$ 21,889	$ 61,548
12 months or more, Unrealized Losses	$ (729)	$ (952)
12 months or more, Number of Securities | Security	33	93
Fair Value, Total	$ 321,228	$ 74,163
Unrealized Losses, Total	$ (5,358)	$ (1,048)
Number of Securities Total | Security	448	108
Corporate Debt Securities [Member]
Net Unrealized Gains And Losses On Investments [Line Items]
Less than 12 months, Fair Value	$ 93,533	$ 2,969
Less than 12 months, Unrealized Losses	$ (318)	$ (31)
Less than 12 months, Number of Securities | Security	27	1
12 months or more, Fair Value	$ 4,890	$ 4,573
12 months or more, Unrealized Losses	$ (96)	$ (137)
12 months or more, Number of Securities | Security	2	2
Fair Value, Total	$ 98,423	$ 7,542
Unrealized Losses, Total	$ (414)	$ (168)
Number of Securities Total | Security	29	3
Total Temporarily Impaired Securities [Member]
Net Unrealized Gains And Losses On Investments [Line Items]
Less than 12 months, Fair Value	$ 1,185,323	$ 113,732
Less than 12 months, Unrealized Losses	$ (12,588)	$ (590)
Less than 12 months, Number of Securities | Security	589	40
12 months or more, Fair Value	$ 191,052	$ 325,933
12 months or more, Unrealized Losses	$ (5,694)	$ (7,945)
12 months or more, Number of Securities | Security	68	142
Fair Value, Total	$ 1,376,375	$ 439,665
Unrealized Losses, Total	$ (18,282)	$ (8,535)
Number of Securities Total | Security	657	182

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Loans and the Allowance for Credit Losses - Summary of Other Real Estate Owned and Repossessed Assets (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Receivables [Abstract]
Other real estate owned	$ 5,912	$ 4,920
Repossessed assets	256	162
Total other real estate owned and repossessed assets	$ 6,168	$ 5,082

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Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks, including interest bearing amounts of $20,402 and $8,405, respectively	$ 108,738	$ 94,002
Securities:
Available-for-sale, at fair value	1,594,658	917,424
Held-to-maturity (fair values of $864,226 and $619,617, respectively)	848,416	593,670
Total securities	2,443,074	1,511,094
Loans held for sale	11,160	5,865
Portfolio loans, net of unearned income	4,933,645	4,086,766
Allowance for loan losses	(43,419)	(44,654)
Net portfolio loans	4,890,226	4,042,112
Premises and equipment, net	111,692	93,135
Accrued interest receivable	24,739	18,481
Goodwill and other intangible assets, net	492,997	319,506
Bank-owned life insurance	154,980	123,298
Other assets	137,813	89,072
Total Assets	8,375,419	6,296,565
Deposits:
Non-interest bearing demand	1,257,932	1,061,075
Interest bearing demand	1,156,949	885,037
Money market	989,888	954,957
Savings deposits	1,075,711	842,818
Certificates of deposit	1,778,565	1,305,096
Total deposits	6,259,045	5,048,983
Federal Home Loan Bank borrowings	781,332	223,126
Other short-term borrowings	73,868	80,690
Junior subordinated debt owed to unconsolidated subsidiary trusts	106,196	106,176
Total borrowings	961,396	409,992
Accrued interest payable	2,542	1,620
Other liabilities	57,783	47,780
Total Liabilities	$ 7,280,766	$ 5,508,375
SHAREHOLDERS' EQUITY
Preferred stock, no par value; 1,000,000 shares authorized; none outstanding
Common stock, $2.0833 par value; 100,000,000 and 50,000,000 shares authorized in 2015 and 2014, respectively; 38,546,042 and 29,367,511 issued in 2015 and 2014, respectively; outstanding: 38,519,170 and 29,298,188 shares in 2015 and 2014, respectively	$ 80,304	$ 61,182
Capital surplus	516,990	244,661
Retained earnings	522,388	504,578
Treasury stock (26,872 and 69,323 shares in 2015 and 2014, respectively, at cost)	(867)	(2,151)
Accumulated other comprehensive loss	(21,702)	(18,825)
Deferred benefits for directors	(2,460)	(1,255)
Total Shareholders' Equity	1,094,653	788,190
Total Liabilities and Shareholders' Equity	$ 8,375,419	$ 6,296,565

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Loans and the Allowance for Credit Losses - Allowance for Credit Losses and Recorded Investments in Loans (Parenthetical) (Detail) $ in Millions	6 Months Ended
	Jun. 30, 2015 USD ($)
Receivables [Abstract]
Troubled debt restructuring threshold	$ 1

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Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Common dividends declared, per share	$ 0.46	$ 0.44
Retained Earnings [Member]
Common dividends declared, per share	$ 0.46	$ 0.44

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Fair Value Measurement - Estimates Fair Value of Financial Instruments (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial Assets
Cash and due from banks	$ 108,738	$ 94,002	$ 94,488	$ 95,551
Securities available-for-sale	1,594,658	917,424
Securities held-to-maturity	848,416	593,670
Net loans	4,890,226	4,042,112
Loans held for sale	11,160	5,865
Accrued interest receivable	24,739	18,481
Bank-owned life insurance	154,980	123,298
Financial Liabilities
Deposits	6,259,045	5,048,983
Federal Home Loan Bank borrowings	781,332	223,126
Other borrowings	73,868	80,690
Junior subordinated debt	106,196	106,176
Accrued interest payable	2,542	1,620
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets
Cash and due from banks	108,738	94,002
Securities available-for-sale	8,315	8,440
Accrued interest receivable	24,739	18,481
Bank-owned life insurance	154,980	123,298
Financial Liabilities
Deposits	4,480,480	3,743,887
Other borrowings	70,991	77,534
Accrued interest payable	2,542	1,620
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets
Securities available-for-sale	1,586,343	908,984
Securities held-to-maturity	863,507	618,895
Loans held for sale	11,160	5,865
Financial Liabilities
Deposits	1,788,804	1,312,941
Federal Home Loan Bank borrowings	783,072	225,456
Other borrowings	2,875	3,162
Junior subordinated debt	78,628	79,212
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets
Securities held-to-maturity	719	722
Net loans	4,883,371	4,047,648
Carrying Amount [Member]
Financial Assets
Cash and due from banks	108,738	94,002
Securities available-for-sale	1,594,658	917,424
Securities held-to-maturity	848,416	593,670
Net loans	4,890,226	4,042,112
Loans held for sale	11,160	5,865
Accrued interest receivable	24,739	18,481
Bank-owned life insurance	154,980	123,298
Financial Liabilities
Deposits	6,259,045	5,048,983
Federal Home Loan Bank borrowings	781,332	223,126
Other borrowings	73,868	80,690
Junior subordinated debt	106,196	106,176
Accrued interest payable	2,542	1,620
Fair Value Estimate [Member]
Financial Assets
Cash and due from banks	108,738	94,002
Securities available-for-sale	1,594,658	917,424
Securities held-to-maturity	864,226	619,617
Net loans	4,883,371	4,047,648
Loans held for sale	11,160	5,865
Accrued interest receivable	24,739	18,481
Bank-owned life insurance	154,980	123,298
Financial Liabilities
Deposits	6,269,284	5,056,828
Federal Home Loan Bank borrowings	783,072	225,456
Other borrowings	73,866	80,696
Junior subordinated debt	78,628	79,212
Accrued interest payable	$ 2,542	$ 1,620

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Securities - Schedule of Fair Value and Amortized Cost of Available-for-sale and Held-to-maturity Securities (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	$ 1,595,971	$ 912,850
Available-for-sale, Gross Unrealized Gains	10,475	11,771
Available-for-sale, Gross Unrealized Losses	(11,788)	(7,197)
Available-for-sale, Estimated Fair Value	1,594,658	917,424
Held-to-maturity, Amortized Cost	848,416	593,670
Held-to-maturity, Gross Unrealized Gains	22,304	27,285
Held-to-maturity, Gross Unrealized Losses	(6,494)	(1,338)
Held-to-maturity securities, Fair value	864,226	619,617
Total securities, Amortized Cost	2,444,387	1,506,520
Total securities, Gross Unrealized Gains	32,779	39,056
Total securities, Gross Unrealized Losses	(18,282)	(8,535)
Total securities, Estimated Fair Value	2,458,884	1,537,041
Residential Mortgage-Backed Securities and Collateralized Mortgage Obligations of Government Agencies [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	1,239,616	703,535
Available-for-sale, Gross Unrealized Gains	3,868	4,336
Available-for-sale, Gross Unrealized Losses	(11,062)	(6,758)
Available-for-sale, Estimated Fair Value	1,232,422	701,113
Held-to-maturity, Amortized Cost	120,576	79,004
Held-to-maturity, Gross Unrealized Gains	2,501	3,262
Held-to-maturity, Gross Unrealized Losses	(1,153)	(246)
Held-to-maturity securities, Fair value	121,924	82,020
Obligations of State and Political Subdivisions [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	88,267	86,073
Available-for-sale, Gross Unrealized Gains	4,592	5,365
Available-for-sale, Gross Unrealized Losses	(88)	(5)
Available-for-sale, Estimated Fair Value	92,771	91,433
Held-to-maturity, Amortized Cost	718,230	507,927
Held-to-maturity, Gross Unrealized Gains	19,754	23,917
Held-to-maturity, Gross Unrealized Losses	(5,270)	(1,043)
Held-to-maturity securities, Fair value	732,714	530,801
Corporate Debt Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	177,395	25,974
Available-for-sale, Gross Unrealized Gains	262	141
Available-for-sale, Gross Unrealized Losses	(343)	(119)
Available-for-sale, Estimated Fair Value	177,314	25,996
Held-to-maturity, Amortized Cost	9,610	6,739
Held-to-maturity, Gross Unrealized Gains	49	106
Held-to-maturity, Gross Unrealized Losses	(71)	(49)
Held-to-maturity securities, Fair value	9,588	6,796
Obligations of Government Agencies [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	80,160	86,964
Available-for-sale, Gross Unrealized Gains	1,172	1,087
Available-for-sale, Gross Unrealized Losses	(295)	(315)
Available-for-sale, Estimated Fair Value	81,037	87,736
Debt Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	1,585,438	902,546
Available-for-sale, Gross Unrealized Gains	9,894	10,929
Available-for-sale, Gross Unrealized Losses	(11,788)	(7,197)
Available-for-sale, Estimated Fair Value	1,583,544	906,278
Equity Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Available-for-sale, Amortized Cost	10,533	10,304
Available-for-sale, Gross Unrealized Gains	581	842
Available-for-sale, Estimated Fair Value	$ 11,114	$ 11,146

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Business Segments - Additional Information (Detail) $ in Millions	6 Months Ended
	Jun. 30, 2015 USD ($) Segment	Jun. 30, 2014 USD ($)
Segment Reporting Information [Line Items]
Operating segments | Segment	2
Trust and Investment Services [Member]
Segment Reporting Information [Line Items]
Market value of assets held by trust and investment services segment	$ 3,800.0	$ 3,800.0
Total non-fiduciary assets of the trust and investment services segment	$ 3.7	$ 3.9

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Loans and the Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Schedule of Recorded Investment in Loans by Category

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs of $1.7 million and $2.4 million at June 30, 2015 and December 31, 2014, respectively.

(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	308,885	$	262,643
Improved property		1,885,228		1,682,817
Total commercial real estate		2,194,113		1,945,460
Commercial and industrial		733,478		638,410
Residential real estate		1,241,470		928,770
Home equity		379,740		330,031
Consumer		384,844		244,095
Total portfolio loans		4,933,645		4,086,766
Loans held for sale		11,160		5,865
Total loans	$	4,944,805	$	4,092,631

Summary of Changes in Allowance for Credit Losses

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	Allowance for Credit Losses By Category For the Six Months Ended June 30, 2015 and 2014
(unaudited, in thousands)	Commercial Real Estate - Land and Construction			Commercial Real Estate - Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdraft			Total
Balance at December 31, 2014:
Allowance for loan losses	$	5,654		$	17,573		$	9,063		$	5,382		$	2,329		$	4,078		$	575		$	44,654
Allowance for loan commitments		194			10			112			9			90			40			—			455
Total beginning allowance for credit losses		5,848			17,583			9,175			5,391			2,419			4,118			575			45,109
Provision for credit losses:
Provision for loan losses		(551	)		633			1,448			25			1,254			580			231			3,620
Provision for loan commitments		13			10			301			3			23			—			—			350
Total provision for credit losses		(538	)		643			1,749			28			1,277			580			231			3,970
Charge-offs		—			(1,234	)		(1,430	)		(944	)		(948	)		(1,414	)		(381	)		(6,351	)
Recoveries		—			256			110			301			53			658			118			1,496
Net charge-offs		—			(978	)		(1,320	)		(643	)		(895	)		(756	)		(263	)		(4,855	)
Balance at June 30, 2015:
Allowance for loan losses		5,103			17,228			9,191			4,764			2,688			3,902			543			43,419
Allowance for loan commitments		207			20			413			12			113			40			—			805
Total ending allowance for credit losses	$	5,310		$	17,248		$	9,604		$	4,776		$	2,801		$	3,942		$	543		$	44,224
Balance at December 31, 2013:
Allowance for loan losses	$	6,056		$	18,157		$	9,925		$	5,673		$	2,017		$	5,020		$	520		$	47,368
Allowance for loan commitments		301			62			130			5			85			19			—			602
Total beginning allowance for credit losses		6,357			18,219			10,055			5,678			2,102			5,039			520			47,970
Provision for credit losses:
Provision for loan losses		(405	)		(511	)		1,870			575			392			642			551			3,114
Provision for loan commitments		(20	)		(52	)		1			—			5			—			—			(66	)
Total provision for credit losses		(425	)		(563	)		1,871			575			397			642			551			3,048
Charge-offs		—			(728	)		(2,384	)		(1,207	)		(348	)		(1,610	)		(362	)		(6,639	)
Recoveries		—			390			543			248			71			512			134			1,898
Net charge-offs		—			(338	)		(1,841	)		(959	)		(277	)		(1,098	)		(228	)		(4,741	)
Balance at June 30, 2014:
Allowance for loan losses		5,651			17,308			9,954			5,289			2,132			4,564			843			45,741
Allowance for loan commitments		281			10			131			5			90			19			—			536
Total ending allowance for credit losses	$	5,932		$	17,318		$	10,085		$	5,294		$	2,222		$	4,583		$	843		$	46,277

Allowance for Credit Losses and Recorded Investments in Loans

The following tables present the allowance for credit losses and recorded investments in loans by category:

	Allowance for Credit Losses and Recorded Investment in Loans
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Over-draft		Total
June 30, 2015
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,891	$	1,021	$	—	$	—	$	—	$	—	$	3,912
Allowance for loans collectively evaluated for impairment		5,103		14,337		8,170		4,764		2,688		3,902		543		39,507
Allowance for loan commitments		207		20		413		12		113		40		—		805
Total allowance for credit losses	$	5,310	$	17,248	$	9,604	$	4,776	$	2,801	$	3,942	$	543	$	44,224
Portfolio loans:
Individually evaluated for impairment (1)	$	1,040	$	18,054	$	5,388	$	—	$	—	$	—	$	—	$	24,482
Collectively evaluated for impairment		307,845		1,867,174		728,090		1,241,470		379,740		384,844		—		4,909,163
Total portfolio loans	$	308,885	$	1,885,228	$	733,478	$	1,241,470	$	379,740	$	384,844	$	—	$	4,933,645
December 31, 2014
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,765	$	1,033	$	—	$	—	$	—	$	—	$	3,798
Allowance for loans collectively evaluated for impairment		5,654		14,808		8,030		5,382		2,329		4,078		575		40,856
Allowance for loan commitments		194		10		112		9		90		40		—		455
Total allowance for credit losses	$	5,848	$	17,583	$	9,175	$	5,391	$	2,419	$	4,118	$	575	$	45,109
Portfolio loans:
Individually evaluated for impairment (1)	$	—	$	11,469	$	2,844	$	—	$	—	$	—	$	—	$	14,313
Collectively evaluated for impairment		262,643		1,671,348		635,566		928,770		330,031		244,095		—		4,072,453
Total portfolio loans	$	262,643	$	1,682,817	$	638,410	$	928,770	$	330,031	$	244,095	$	—	$	4,086,766

⁽¹⁾  Commercial loans greater than $1 million that are reported as non-accrual or as troubled debt restructuring (“TDR”), including acquired with deteriorated credit quality, are individually evaluated for impairment.

Summary of Commercial Loans by Risk Grade

The following tables summarize commercial loans by their assigned risk grade:

	Commerical Loans by Internally Assigned Risk Grade
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of June 30, 2015
Pass	$	302,514	$	1,830,655	$	711,497	$	2,844,666
Criticized - compromised		3,664		13,463		11,153		28,280
Classified - substandard		2,707		41,110		10,828		54,645
Classified - doubtful		—		—		—		—
Total	$	308,885	$	1,885,228	$	733,478	$	2,927,591
As of December 31, 2014
Pass	$	257,218	$	1,627,771	$	617,742	$	2,502,731
Criticized - compromised		3,645		17,873		12,770		34,288
Classified - substandard		1,780		37,173		7,898		46,851
Classified - doubtful		—		—		—		—
Total	$	262,643	$	1,682,817	$	638,410	$	2,583,870

Summary of Age Analysis of Loan Categories

The following tables summarize the age analysis of all categories of loans:

	Age Analysis of Loans
(unaudited, in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days or More Past Due and Accruing (1)
As of June 30, 2015
Commercial real estate:
Land and construction	$	307,522	$	252	$	—	$	1,111	$	1,363	$	308,885	$	—
Improved property		1,870,393		1,304		797		12,734		14,835		1,885,228		180
Total commercial real estate		2,177,915		1,556		797		13,845		16,198		2,194,113		180
Commercial and industrial		729,815		356		896		2,411		3,663		733,478		3
Residential real estate		1,229,198		1,014		3,322		7,936		12,272		1,241,470		1,838
Home equity		375,663		1,212		1,010		1,855		4,077		379,740		228
Consumer		381,146		2,753		618		327		3,698		384,844		222
Total portfolio loans		4,893,737		6,891		6,643		26,374		39,908		4,933,645		2,471
Loans held for sale		11,160		—		—		—		—		11,160		—
Total loans	$	4,904,897	$	6,891	$	6,643	$	26,374	$	39,908	$	4,944,805	$	2,471
Impaired loans included above are as follows:
Non-accrual loans	$	21,964	$	1,030	$	1,641	$	23,569	$	26,240	$	48,204
TDRs accruing interest (1)		12,081		109		434		334		877		12,958
Total impaired	$	34,045	$	1,139	$	2,075	$	23,903	$	27,117	$	61,162
As of December 31, 2014
Commercial real estate:
Land and construction	$	261,356	$	20	$	—	$	1,267	$	1,287	$	262,643	$	71
Improved property		1,665,363		961		4,772		11,721		17,454		1,682,817		—
Total commercial real estate		1,926,719		981		4,772		12,988		18,741		1,945,460		71
Commercial and industrial		634,482		1,834		240		1,854		3,928		638,410		22
Residential real estate		915,968		1,237		3,384		8,181		12,802		928,770		1,306
Home equity		325,291		1,877		895		1,968		4,740		330,031		570
Consumer		240,365		2,571		685		474		3,730		244,095		319
Total portfolio loans		4,042,825		8,500		9,976		25,465		43,941		4,086,766		2,288
Loans held for sale		5,865		—		—		—		—		5,865		—
Total loans	$	4,048,690	$	8,500	$	9,976	$	25,465	$	43,941	$	4,092,631	$	2,288
Impaired loans included above are as follows:
Non-accrual loans	$	7,562	$	2,884	$	5,552	$	22,820	$	31,256	$	38,818
TDRs accruing interest (1)		11,016		151		542		357		1,050		12,066
Total impaired	$	18,578	$	3,035	$	6,094	$	23,177	$	32,306	$	50,884

⁽¹⁾ Loans 90 days or more past due and accruing interest exclude TDRs 90 days or more past due and accruing interest.

Summary of Impaired Loans

The following tables summarize impaired loans:

	Impaired Loans
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Unpaid Principal Balance (1)		Recorded Investment		Related Allowance		Unpaid Principal Balance (1)		Recorded Investment		Related Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,711	$	2,509	$	—	$	1,588	$	1,488	$	—
Improved property		28,520		21,001		—		16,480		14,684		—
Commercial and industrial		5,926		3,461		—		3,152		2,597		—
Residential real estate		19,914		17,967		—		20,077		18,544		—
Home equity		3,293		2,995		—		2,890		2,663		—
Consumer		1,522		1,189		—		1,287		1,086		—
Total impaired loans without a specific allowance		61,886		49,122		—		45,474		41,062		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		7,511		7,511		2,891		7,980		7,980		2,765
Commercial and industrial		5,833		4,529		1,021		1,842		1,842		1,033
Total impaired loans with a specific allowance		13,344		12,040		3,912		9,822		9,822		3,798
Total impaired loans	$	75,230	$	61,162	$	3,912	$	55,296	$	50,884	$	3,798

⁽¹⁾ The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired impaired loans.

	Impaired Loans
	For the Three Months Ended								For the Six Months Ended
	June 30, 2015				June 30, 2014				June 30, 2015				June 30, 2014
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,493	$	2	$	2,143	$	13	$	2,158	$	18	$	2,283	$	15
Improved Property		21,741		240		18,572		133		19,389		463		18,924		153
Commercial and industrial		2,947		49		4,122		57		2,830		62		3,831		89
Residential real estate		18,550		235		18,864		209		18,548		465		19,272		391
Home equity		2,806		21		2,173		16		2,758		41		2,284		35
Consumer		1,261		26		1,135		18		1,202		46		1,150		46
Total impaired loans without a specific allowance		49,798		573		47,009		446		46,885		1,095		47,744		729
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—		—		—
Improved Property		6,989		56		727		3		7,319		56		727		4
Commercial and industrial		3,149		118		2,537		29		2,713		137		2,206		41
Total impaired loans with a specific allowance		10,138		174		3,264		32		10,032		193		2,933		45
Total impaired loans	$	59,936	$	747	$	50,273	$	478	$	56,917	$	1,288	$	50,677	$	774

Recorded Investment in Non-Accrual Loans and TDRs

The following tables present the recorded investment in non-accrual loans and TDRs:

	Non-accrual Loans (1)
(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	1,382	$	1,488
Improved property		26,103		20,227
Total commercial real estate		27,485		21,715
Commercial and industrial		7,664		4,110
Residential real estate		10,117		10,329
Home equity		2,251		1,923
Consumer		687		741
Total	$	48,204	$	38,818

⁽¹⁾  Total non-accrual loans include loans that are also restructured. Such loans are also set forth in the following table as non-accrual TDRs.

	TDRs
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Accruing		Non-Accrual		Total		Accruing		Non-Accrual		Total
Commercial real estate:
Land and construction	$	1,127	$	501	$	1,628	$	—	$	464	$	464
Improved property		2,409		9,761		12,170		2,437		1,850		4,287
Total commercial real estate		3,536		10,262		13,798		2,437		2,314		4,751
Commercial and industrial		326		293		619		329		478		807
Residential real estate		7,850		2,089		9,939		8,215		2,074		10,289
Home equity		744		278		1,022		740		245		985
Consumer		502		218		720		345		309		654
Total	$	12,958	$	13,140	$	26,098	$	12,066	$	5,420	$	17,486

Loans Identified as TDRs

The following table presents details related to loans identified as TDRs during the three and six months ended June 30, 2015 and 2014, respectively:

	New TDRs (1)
	For the Three Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved Property		—		—		—		1		112		112
Total commercial real estate		—		—		—		1		112		112
Commercial and industrial		—		—		—		—		—		—
Residential real estate		1		41		39		2		70		70
Home equity		—		—		—		—		—		—
Consumer		—		—		—		9		100		93
Total		1	$	41	$	39		12	$	282	$	275

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

	New TDRs (1)
	For the Six Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		9	$	1,239	$	1,160		—	$	—	$	—
Improved Property		7		9,336		8,784		2		203		201
Total commercial real estate		16		10,575		9,944		2		203		201
Commercial and industrial		2		42		53		—		—		—
Residential real estate		8		466		455		5		189		185
Home equity		1		7		6		—		—		—
Consumer		19		279		273		11		138		123
Total		46	$	11,369	$	10,731		18	$	530	$	509

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

TDRs Defaulted Later Restructured

The following tables summarize TDRs which defaulted (defined as past due 90 days) during the six months ended June 30, 2015 and 2014, respectively, that were restructured within the last twelve months prior to June 30, 2015 and 2014, respectively:

	Defaulted TDRs (1)
	For the Six Months Ended
	June 30, 2015				June 30, 2014
	Number of		Recorded		Number of		Recorded
(unaudited, dollars in thousands)	Defaults		Investment		Defaults		Investment
Commercial real estate:
Land and construction		—	$	—		—	$	—
Improved property		—		—		—		—
Total commercial real estate		—		—		—		—
Commercial and industrial		—		—		—		—
Residential real estate		—		—		4		236
Home equity		1		42		—		—
Consumer		—		—		—		—
Total		1	$	42		4	$	236

⁽¹⁾  Excludes loans that were either charged-off or cured by period end. The recorded investment is as of June 30, 2015 and 2014, respectively.

Summary of Other Real Estate Owned and Repossessed Assets

The following table summarizes other real estate owned and repossessed assets included in other assets:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Other real estate owned	$	5,912	$	4,920
Repossessed assets		256		162
Total other real estate owned and repossessed assets	$	6,168	$	5,082

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Securities - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2015 USD ($) Holdings	Jun. 30, 2014 USD ($)	Dec. 31, 2014 USD ($) Holdings	Dec. 31, 2013 USD ($)
Amortized Cost and Fair Value Debt Securities [Abstract]
Maximum percentage of equity of one issuer	10.00%
Number of holdings greater than specified percentage of equity | Holdings	0		0
Securities with aggregate fair values	$ 1,100,000,000		$ 706,500,000
Proceeds from sale of available-for-sale securities	560,736,000	$ 3,491,000
Net unrealized gains (losses) on available-for-sale securities included in AOCI	(832,000)	$ 911,000	2,892,000	$ (6,126,000)
Impaired loss relating to securities	0
Federal home loan bank stock, Total	$ 35,000,000		$ 11,600,000

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Fair Value Measurement (Tables)

6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Schedule of Fair Value of Assets and Liabilities Measured on Recurring and Nonrecurring Basis

The following tables set forth WesBanco’s financial assets and liabilities that were accounted for at fair value on a recurring and nonrecurring basis by level within the fair value hierarchy as of June 30, 2015 and December 31, 2014:

			June 30, 2015
			Fair Value Measurements Using:
(unaudited, in thousands)	June 30, 2015		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	81,037	$	—	$	81,037	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,232,422		—		1,232,422		—
Obligations of state and political subdivisions		92,771		—		92,771		—
Corporate debt securities		177,314		—		177,314		—
Equity securities		11,114		8,315		2,799		—
Total securities - available-for-sale	$	1,594,658	$	8,315	$	1,586,343	$	—
Total recurring fair value measurements	$	1,594,658	$	8,315	$	1,586,343	$	—
Nonrecurring fair value measurements
Impaired loans	$	8,128	$	—	$	—	$	8,128
Other real estate owned and repossessed assets		6,168		—		—		6,168
Loans held for sale		11,160		—		11,160		—
Total nonrecurring fair value measurements	$	25,456	$	—	$	11,160	$	14,296

			December 31, 2014
			Fair Value Measurements Using:
(unaudited, in thousands)	December 31, 2014		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	87,736	$	—	$	87,736	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		701,113		—		701,113		—
Obligations of state and political subdivisions		91,433		—		91,433		—
Corporate debt securities		25,996		—		25,996		—
Equity securities		11,146		8,440		2,706		—
Total securities - available-for-sale	$	917,424	$	8,440	$	908,984	$	—
Total recurring fair value measurements	$	917,424	$	8,440	$	908,984	$	—
Nonrecurring fair value measurements
Impaired loans	$	6,024	$	—	$	—	$	6,024
Other real estate owned and repossessed assets		5,082		—		—		5,082
Loans held for sale		5,865		—		5,865		—
Total nonrecurring fair value measurements	$	16,971	$	—	$	5,865	$	11,106

Schedule of Assets Measured at Fair Value on Nonrecurring Basis

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which WesBanco has utilized level 3 inputs to determine fair value:

	Quantitative Information about Level 3 Fair Value Measurements
(unaudited, in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
June 30, 2015:
Impaired loans	$	8,128	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (42.2%) / (16.6%)
				Liquidation expenses (2)	(2.9%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		6,168	Appraisal of collateral (1), (3)
December 31, 2014:
Impaired loans	$	6,024	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (39.7%) / (6.7%)
				Liquidation expenses (2)	(1.2%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		5,082	Appraisal of collateral (1), (3)

⁽¹⁾ Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.

⁽²⁾  Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of appraisal adjustments and liquidation expenses are presented as a percent of the appraisal.

⁽³⁾  Includes estimated liquidation expenses and numerous dissimilar qualitative adjustments by management which are not identifiable.

Estimates Fair Values of Financial Instruments

The estimated fair values of WesBanco’s financial instruments are summarized below:

					Fair Value Measurements at June 30, 2015
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	108,738	$	108,738	$	108,738	$	—	$	—
Securities available-for-sale		1,594,658		1,594,658		8,315		1,586,343		—
Securities held-to-maturity		848,416		864,226		—		863,507		719
Net loans		4,890,226		4,883,371		—		—		4,883,371
Loans held for sale		11,160		11,160		—		11,160		—
Accrued interest receivable		24,739		24,739		24,739		—		—
Bank-owned life insurance		154,980		154,980		154,980		—		—
Financial Liabilities
Deposits		6,259,045		6,269,284		4,480,480		1,788,804		—
Federal Home Loan Bank borrowings		781,332		783,072		—		783,072		—
Other borrowings		73,868		73,866		70,991		2,875		—
Junior subordinated debt		106,196		78,628		—		78,628		—
Accrued interest payable		2,542		2,542		2,542		—		—
					Fair Value Measurements at December 31, 2014
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	94,002	$	94,002	$	94,002	$	—	$	—
Securities available-for-sale		917,424		917,424		8,440		908,984		—
Securities held-to-maturity		593,670		619,617		—		618,895		722
Net loans		4,042,112		4,047,648		—		—		4,047,648
Loans held for sale		5,865		5,865		—		5,865		—
Accrued interest receivable		18,481		18,481		18,481		—		—
Bank-owned life insurance		123,298		123,298		123,298		—		—
Financial Liabilities
Deposits		5,048,983		5,056,828		3,743,887		1,312,941		—
Federal Home Loan Bank borrowings		223,126		225,456		—		225,456		—
Other borrowings		80,690		80,696		77,534		3,162		—
Junior subordinated debt		106,176		79,212		—		79,212		—
Accrued interest payable		1,620		1,620		1,620		—		—

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Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Cash Flows [Abstract]
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 34,541	$ 41,380
INVESTING ACTIVITIES
Net increase in loans	(156,166)	(55,683)
Securities available-for-sale:
Proceeds from sales	560,736	3,491
Proceeds from maturities, prepayments and calls	121,699	117,595
Purchases of securities	(430,858)	(182,501)
Securities held-to-maturity:
Proceeds from maturities, prepayments and calls	26,021	18,982
Purchases of securities	(173,754)	(29,704)
Proceeds from bank-owned life insurance	1,185
Cash paid to acquire a business, net of cash acquired	(28,551)
Purchases of premises and equipment - net	(4,835)	(2,659)
Net cash used in investing activities	(84,523)	(130,479)
FINANCING ACTIVITIES
(Decrease) increase in deposits	(35,196)	55,248
Proceeds from Federal Home Loan Bank borrowings	675,000	115,532
Repayment of Federal Home Loan Bank borrowings	(509,029)	(16,368)
Decrease in other short-term borrowings	(11,822)	(35,609)
Decrease in federal funds purchased		(20,000)
Repayment of junior subordinated debt	(36,083)
Repurchase of common stock warrant	(2,247)
Dividends paid to common shareholders	(15,291)	(12,256)
Treasury shares (purchased) sold - net	(614)	1,489
Net cash provided by financing activities	64,718	88,036
Net increase (decrease) in cash and cash equivalents	14,736	(1,063)
Cash and cash equivalents at beginning of the period	94,002	95,551
Cash and cash equivalents at end of the period	108,738	94,488
SUPPLEMENTAL DISCLOSURES
Interest paid on deposits and other borrowings	12,288	12,532
Income taxes paid	5,070	7,850
Transfers of loans to other real estate owned	751	$ 1,610
Non-cash transactions related to ESB acquisition	$ 301,933

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Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Interest bearing deposits, banks	$ 20,402	$ 8,405
Held-to-maturity securities, fair values	$ 864,226	$ 619,617
Preferred stock, no par value
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 2.0833	$ 2.0833
Common stock, shares authorized	100,000,000	50,000,000
Common stock, shares issued	38,546,042	29,367,511
Common stock, shares outstanding	38,519,170	29,298,188
Treasury stock, shares	26,872	69,323

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Business Segments

6 Months Ended

Jun. 30, 2015

Segment Reporting [Abstract]

Business Segments

NOTE 10. BUSINESS SEGMENTS

WesBanco operates two reportable segments: community banking and trust and investment services. WesBanco’s community banking segment offers services traditionally offered by full-service commercial banks, including commercial demand, individual demand and time deposit accounts, as well as commercial, mortgage and individual installment loans, and certain non-traditional offerings, such as insurance and securities brokerage services. The trust and investment services segment offers trust services as well as various alternative investment products including mutual funds. The market value of assets managed or held in custody by the trust and investment services segment was approximately $3.8 billion at both June 30, 2015 and 2014. These assets are held by WesBanco in fiduciary or agency capacities for their customers and therefore are not included as assets on WesBanco’s Consolidated Balance Sheets.

Condensed financial information by business segment is presented below:

(unaudited, in thousands)	Community Banking		Trust and Investment Services		Consolidated
For the Three Months ended June 30, 2015:
Interest income	$	66,729	$	—	$	66,729
Interest expense		5,936		—		5,936
Net interest income		60,793		—		60,793
Provision for credit losses		2,681		—		2,681
Net interest income after provision for credit losses		58,112		—		58,112
Non-interest income		12,596		5,476		18,072
Non-interest expense		43,568		3,021		46,589
Income before provision for income taxes		27,140		2,455		29,595
Provision for income taxes		6,980		982		7,962
Net income	$	20,160	$	1,473	$	21,633
For the Three Months ended June 30, 2014:
Interest income	$	54,044	$	—	$	54,044
Interest expense		5,737		—		5,737
Net interest income		48,307		—		48,307
Provision for credit losses		849		—		849
Net interest income after provision for credit losses		47,458		—		47,458
Non-interest income		13,031		5,210		18,241
Non-interest expense		37,367		2,937		40,304
Income before provision for income taxes		23,122		2,273		25,395
Provision for income taxes		5,611		909		6,520
Net income	$	17,511	$	1,364	$	18,875
For the Six Months ended June 30, 2015:
Interest income	$	127,117	$	—	$	127,117
Interest expense		11,360		—		11,360
Net interest income		115,757		—		115,757
Provision for credit losses		3,970		—		3,970
Net interest income after provision for credit losses		111,787		—		111,787
Non-interest income		24,725		11,529		36,254
Non-interest expense		93,863		6,184		100,047
Income before provision for income taxes		42,649		5,345		47,994
Provision for income taxes		10,344		2,138		12,482
Net income	$	32,305	$	3,207	$	35,512
For the Six Months ended June 30, 2014:
Interest income	$	107,501	$	—	$	107,501
Interest expense		11,870		—		11,870
Net interest income		95,631		—		95,631
Provision for credit losses		3,048		—		3,048
Net interest income after provision for credit losses		92,583		—		92,583
Non-interest income		24,432		10,858		35,290
Non-interest expense		74,193		6,205		80,398
Income before provision for income taxes		42,822		4,653		47,475
Provision for income taxes		10,318		1,861		12,179
Net income	$	32,504	$	2,792	$	35,296

Total non-fiduciary assets of the trust and investment services segment were $3.7 million and $3.9 million at June 30, 2015 and 2014, respectively. All other assets, including goodwill and other intangible assets, were allocated to the community banking segment.

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Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 23, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2
Trading Symbol	WSBC
Entity Registrant Name	WESBANCO INC
Entity Central Index Key	0000203596
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		38,527,670

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Summary of Significant Accounting Policies (Policies)

6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Basis of Presentation

Basis of presentation — The accompanying unaudited interim financial statements of WesBanco, Inc. and its consolidated subsidiaries (“WesBanco”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2014.

WesBanco’s interim financial statements have been prepared following the significant accounting policies disclosed in Note 1 of the Notes to the Consolidated Financial Statements of its 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission. In the opinion of management, the accompanying interim financial information reflects all adjustments, including normal recurring adjustments, necessary to present fairly WesBanco’s financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year.

Recent Accounting Pronouncements

Recent accounting pronouncements — In May 2015, the Financial Accounting Standards Board (the “FASB”) issued an Accounting Standards Update (“ASU”) (ASU 2015-07) related to disclosures for investments in certain entities that calculate net asset value (NAV) per share (or its equivalent). This update removes the requirement to categorize within the fair value hierarchy all investments for which fair value is measured using the net asset value per share practical expedient and modifies certain disclosure requirements. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2015, and requires retrospective adoption. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In April 2015, the FASB issued ASU 2015-05 that provides guidance on when to account for a cloud computing arrangement as a software license. The guidance applies only to internal-use software that a customer obtains access to in a hosting arrangement if both of the following criteria are met: (1) The customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty, (2) it is feasible for the customer to either run the software on its own hardware or contract with another party unrelated to the vendor to host the software. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In February 2015, the FASB issued ASU 2015-02 that revised the consolidation model, requiring reporting entities to reevaluate whether they should consolidate certain legal entities under the revised model. The amendments in this update modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities, and eliminate the presumption that a general partner should consolidate and affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships. The pronouncement also provides for a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on WesBanco’s Consolidated Financial Statements.

In August 2014, the FASB issued ASU 2014-14 related to the classification of certain government-guaranteed mortgage loans upon foreclosure. The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) The loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based upon the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014 and may be adopted under either a modified retrospective transition method or a prospective transition method. However, the same method of transition as elected under ASU 2014-04 must be applied. While early adoption was permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

        In June 2014, the FASB issued ASU 2014-11 related to repurchase-to-maturity transactions, repurchase financing and disclosures. The pronouncement changes the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The pronouncement also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. The pronouncement is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. While early adoption was not permitted, WesBanco elected to adopt the ASU in the first quarter of 2015, which was the first interim period after December 31, 2014. Early adoption was not permitted. The adoption of this pronouncement did not have a material impact on WesBanco’s Consolidated Financial Statements.

In May 2014, the FASB issued ASU 2014-09 related to the recognition of revenue from contracts with customers. The new revenue pronouncement creates a single source of revenue guidance for all companies in all industries and is more principles-based than current revenue guidance. The pronouncement provides a five-step model for a company to recognize revenue when it transfers control of goods or services to customers at an amount that reflects the consideration to which it expects to be entitled in exchange for those goods or services. The five steps are, (1) identify the contract with the customer, (2) identify the separate performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the separate performance obligations and (5) recognize revenue when each performance obligation is satisfied. The pronouncement was originally effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2016 using either a full retrospective approach for all periods presented in the period of adoption or a modified retrospective approach. Early adoption is not permitted. On July 9, 2015, the FASB approved a one-year deferral of the effective date of the update. The update is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2017. Early adoption is now permitted as of the original effective date for interim and annual reporting periods in fiscal years beginning after December 15, 2016. WesBanco is currently evaluating the impact of the adoption of this pronouncement on its Consolidated Financial Statements.

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Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 52,316	$ 42,546	$ 100,036	$ 85,291
Interest and dividends on securities:
Taxable	10,043	7,452	18,542	14,676
Tax-exempt	4,052	3,435	7,585	6,821
Total interest and dividends on securities	14,095	10,887	26,127	21,497
Other interest income	318	611	954	713
Total interest and dividend income	66,729	54,044	127,117	107,501
INTEREST EXPENSE
Interest bearing demand deposits	485	395	907	768
Money market deposits	490	466	945	907
Savings deposits	163	133	311	263
Certificates of deposit	2,869	3,422	5,741	7,052
Total interest expense on deposits	4,007	4,416	7,904	8,990
Federal Home Loan Bank borrowings	949	175	1,507	386
Other short-term borrowings	92	350	165	907
Junior subordinated debt owed to unconsolidated subsidiary trusts	888	796	1,784	1,587
Total interest expense	5,936	5,737	11,360	11,870
NET INTEREST INCOME	60,793	48,307	115,757	95,631
Provision for credit losses	2,681	849	3,970	3,048
Net interest income after provision for credit losses	58,112	47,458	111,787	92,583
NON-INTEREST INCOME
Trust fees	5,476	5,210	11,529	10,858
Service charges on deposits	4,249	4,078	7,918	7,937
Electronic banking fees	3,496	3,267	6,821	6,281
Net securities brokerage revenue	1,842	2,003	3,901	3,832
Bank-owned life insurance	989	1,821	2,244	2,695
Net gains on sales of mortgage loans	407	475	679	628
Net securities gains		165	22	175
Net gain / (loss) on other real estate owned and other assets	152	(165)	185	(52)
Other income	1,461	1,387	2,955	2,936
Total non-interest income	18,072	18,241	36,254	35,290
NON-INTEREST EXPENSE
Salaries and wages	19,300	16,904	37,636	33,370
Employee benefits	6,807	5,529	14,123	11,238
Net occupancy	3,243	2,857	6,765	6,348
Equipment	3,017	2,914	5,958	5,698
Marketing	1,715	1,713	2,707	2,716
FDIC insurance	1,040	880	1,950	1,757
Amortization of intangible assets	944	482	1,510	977
Restructuring and merger-related expense	1,115		10,848
Other operating expenses	9,408	9,025	18,550	18,294
Total non-interest expense	46,589	40,304	100,047	80,398
Income before provision for income taxes	29,595	25,395	47,994	47,475
Provision for income taxes	7,962	6,520	12,482	12,179
NET INCOME	$ 21,633	$ 18,875	$ 35,512	$ 35,296
EARNINGS PER COMMON SHARE
Basic	$ 0.56	$ 0.65	$ 0.97	$ 1.21
Diluted	$ 0.56	$ 0.64	$ 0.97	$ 1.20
AVERAGE COMMON SHARES OUTSTANDING
Basic	38,472,229	29,242,180	36,443,951	29,212,347
Diluted	38,531,700	29,321,927	36,504,671	29,293,424
DIVIDENDS DECLARED PER COMMON SHARE	$ 0.23	$ 0.22	$ 0.46	$ 0.44
COMPREHENSIVE INCOME	$ 13,547	$ 22,943	$ 32,635	$ 42,637

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Loans and the Allowance for Credit Losses

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Loans and the Allowance for Credit Losses

NOTE 5. LOANS AND THE ALLOWANCE FOR CREDIT LOSSES

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs of $1.7 million and $2.4 million at June 30, 2015 and December 31, 2014, respectively.

(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	308,885	$	262,643
Improved property		1,885,228		1,682,817
Total commercial real estate		2,194,113		1,945,460
Commercial and industrial		733,478		638,410
Residential real estate		1,241,470		928,770
Home equity		379,740		330,031
Consumer		384,844		244,095
Total portfolio loans		4,933,645		4,086,766
Loans held for sale		11,160		5,865
Total loans	$	4,944,805	$	4,092,631

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	Allowance for Credit Losses By Category For the Six Months Ended June 30, 2015 and 2014
(unaudited, in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdraft			Total
Balance at December 31, 2014:
Allowance for loan losses	$	5,654		$	17,573		$	9,063		$	5,382		$	2,329		$	4,078		$	575		$	44,654
Allowance for loan commitments		194			10			112			9			90			40			—			455
Total beginning allowance for credit losses		5,848			17,583			9,175			5,391			2,419			4,118			575			45,109
Provision for credit losses:
Provision for loan losses		(551	)		633			1,448			25			1,254			580			231			3,620
Provision for loan commitments		13			10			301			3			23			—			—			350
Total provision for credit losses		(538	)		643			1,749			28			1,277			580			231			3,970
Charge-offs		—			(1,234	)		(1,430	)		(944	)		(948	)		(1,414	)		(381	)		(6,351	)
Recoveries		—			256			110			301			53			658			118			1,496
Net charge-offs		—			(978	)		(1,320	)		(643	)		(895	)		(756	)		(263	)		(4,855	)
Balance at June 30, 2015:
Allowance for loan losses		5,103			17,228			9,191			4,764			2,688			3,902			543			43,419
Allowance for loan commitments		207			20			413			12			113			40			—			805
Total ending allowance for credit losses	$	5,310		$	17,248		$	9,604		$	4,776		$	2,801		$	3,942		$	543		$	44,224
Balance at December 31, 2013:
Allowance for loan losses	$	6,056		$	18,157		$	9,925		$	5,673		$	2,017		$	5,020		$	520		$	47,368
Allowance for loan commitments		301			62			130			5			85			19			—			602
Total beginning allowance for credit losses		6,357			18,219			10,055			5,678			2,102			5,039			520			47,970
Provision for credit losses:
Provision for loan losses		(405	)		(511	)		1,870			575			392			642			551			3,114
Provision for loan commitments		(20	)		(52	)		1			—			5			—			—			(66	)
Total provision for credit losses		(425	)		(563	)		1,871			575			397			642			551			3,048
Charge-offs		—			(728	)		(2,384	)		(1,207	)		(348	)		(1,610	)		(362	)		(6,639	)
Recoveries		—			390			543			248			71			512			134			1,898
Net charge-offs		—			(338	)		(1,841	)		(959	)		(277	)		(1,098	)		(228	)		(4,741	)
Balance at June 30, 2014:
Allowance for loan losses		5,651			17,308			9,954			5,289			2,132			4,564			843			45,741
Allowance for loan commitments		281			10			131			5			90			19			—			536
Total ending allowance for credit losses	$	5,932		$	17,318		$	10,085		$	5,294		$	2,222		$	4,583		$	843		$	46,277

The following tables present the allowance for credit losses and recorded investments in loans by category:

	Allowance for Credit Losses and Recorded Investment in Loans
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Over-draft		Total
June 30, 2015
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,891	$	1,021	$	—	$	—	$	—	$	—	$	3,912
Allowance for loans collectively evaluated for impairment		5,103		14,337		8,170		4,764		2,688		3,902		543		39,507
Allowance for loan commitments		207		20		413		12		113		40		—		805
Total allowance for credit losses	$	5,310	$	17,248	$	9,604	$	4,776	$	2,801	$	3,942	$	543	$	44,224
Portfolio loans:
Individually evaluated for impairment (1)	$	1,040	$	18,054	$	5,388	$	—	$	—	$	—	$	—	$	24,482
Collectively evaluated for impairment		307,845		1,867,174		728,090		1,241,470		379,740		384,844		—		4,909,163
Total portfolio loans	$	308,885	$	1,885,228	$	733,478	$	1,241,470	$	379,740	$	384,844	$	—	$	4,933,645
December 31, 2014
Allowance for credit losses:
Allowance for loans individually evaluated for impairment	$	—	$	2,765	$	1,033	$	—	$	—	$	—	$	—	$	3,798
Allowance for loans collectively evaluated for impairment		5,654		14,808		8,030		5,382		2,329		4,078		575		40,856
Allowance for loan commitments		194		10		112		9		90		40		—		455
Total allowance for credit losses	$	5,848	$	17,583	$	9,175	$	5,391	$	2,419	$	4,118	$	575	$	45,109
Portfolio loans:
Individually evaluated for impairment (1)	$	—	$	11,469	$	2,844	$	—	$	—	$	—	$	—	$	14,313
Collectively evaluated for impairment		262,643		1,671,348		635,566		928,770		330,031		244,095		—		4,072,453
Total portfolio loans	$	262,643	$	1,682,817	$	638,410	$	928,770	$	330,031	$	244,095	$	—	$	4,086,766

⁽¹⁾  Commercial loans greater than $1 million that are reported as non-accrual or as troubled debt restructuring (“TDR”), including acquired with deteriorated credit quality, are individually evaluated for impairment.

WesBanco maintains an internal loan grading system to reflect the credit quality of commercial loans. Commercial loan risk grades are determined based on an evaluation of the relevant characteristics of each loan, assigned at the inception of each loan and adjusted thereafter at any time to reflect changes in the risk profile throughout the life of each loan. The primary factors used to determine the risk grade are the reliability and sustainability of the primary source of repayment and overall financial strength of the borrower. This includes an analysis of cash flow available to repay debt, profitability, liquidity, leverage, and overall financial trends. Other factors include management, industry or property type risks, an assessment of secondary sources of repayment such as collateral or guarantees, other terms and conditions of the loan that may increase or reduce its risk, and economic conditions and other external factors that may influence repayment capacity and financial condition.

Commercial real estate – land and construction consists of loans to finance investments in vacant land, land development, construction of residential housing, and construction of commercial buildings. Commercial real estate – improved property consists of loans for the purchase or refinance of all types of improved owner-occupied and investment properties. Factors that are considered in assigning the risk grade vary depending on the type of property financed. The risk grade assigned to construction and development loans is based on the overall viability of the project, the experience and financial capacity of the developer or builder to successfully complete the project, project specific and market absorption rates and comparable property values, and the amount of pre-sales for residential housing construction or pre-leases for commercial investment property. The risk grade assigned to commercial investment property loans is based primarily on the adequacy of net rental income generated by the property to service the debt, the type, quality, industry and mix of tenants, and the terms of leases, but also considers the overall financial capacity of the investors and their experience in owning and managing investment property. The risk grade assigned to owner-occupied commercial real estate and commercial and industrial loans is based primarily on historical and projected earnings, the adequacy of operating cash flow to service all of the business’ debt, and the capital resources, liquidity and leverage of the business, but also considers the industry in which the business operates, the business’ specific competitive advantages or disadvantages, the quality and experience of management, and external influences on the business such as economic conditions. Other factors that are considered for commercial and industrial loans include the type, quality and marketability of non-real estate collateral and whether the structure of the loan increases or reduces its risk. The type, age, condition, location and any environmental risks associated with a property are also considered for all types of commercial real estate. The overall financial condition and repayment capacity of any guarantors is also evaluated to determine the extent to which they mitigate other risks of the loan. The following paragraphs provide descriptions of risk grades that are applicable to commercial real estate and commercial and industrial loans.

Pass loans are those that exhibit a history of positive financial results that are at least comparable to the average for their industry or type of real estate. The primary source of repayment is acceptable and these loans are expected to perform satisfactorily during most economic cycles. Pass loans typically have no significant external factors that are expected to adversely affect these borrowers more than others in the same industry or property type. Any minor unfavorable characteristics of these loans are outweighed or mitigated by other positive factors including but not limited to adequate secondary or tertiary sources of repayment.

Criticized or compromised loans are currently protected but have weaknesses, which, if not corrected, may be inadequately protected at some future date. These loans represent an unwarranted credit risk and would generally not be extended in the normal course of lending. Specific issues which may warrant this grade include declining financial results, increased reliance on secondary sources of repayment or guarantor support and adverse external influences that may negatively impact the business or property.

Substandard and doubtful loans are equivalent to the classifications used by banking regulators. Substandard loans are inadequately protected by the current repayment capacity and equity of the borrower or collateral pledged, if any. Substandard loans have one or more well-defined weaknesses that jeopardize their repayment or collection in full. These loans may or may not be reported as non-accrual. Doubtful loans have all the weaknesses inherent to a substandard loan with the added characteristic that full repayment is highly questionable or improbable on the basis of currently existing facts, conditions and collateral values. However, recognition of loss may be deferred if there are reasonably specific pending factors that will reduce the risk if they occur.

The following tables summarize commercial loans by their assigned risk grade:

	Commerical Loans by Internally Assigned Risk Grade
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of June 30, 2015
Pass	$	302,514	$	1,830,655	$	711,497	$	2,844,666
Criticized - compromised		3,664		13,463		11,153		28,280
Classified - substandard		2,707		41,110		10,828		54,645
Classified - doubtful		—		—		—		—
Total	$	308,885	$	1,885,228	$	733,478	$	2,927,591
As of December 31, 2014
Pass	$	257,218	$	1,627,771	$	617,742	$	2,502,731
Criticized - compromised		3,645		17,873		12,770		34,288
Classified - substandard		1,780		37,173		7,898		46,851
Classified - doubtful		—		—		—		—
Total	$	262,643	$	1,682,817	$	638,410	$	2,583,870

Residential real estate, home equity and consumer loans are not assigned internal risk grades other than as required by regulatory guidelines that are based primarily on the age of past due loans. WesBanco primarily evaluates the credit quality of residential real estate, home equity and consumer loans based on repayment performance and historical loss rates. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard in accordance with regulatory guidelines were $15.3 million at June 30, 2015 and $15.2 million at December 31, 2014, of which $2.3 and $2.2 million were accruing, for each period, respectively. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard are not included in the tables above.

Acquired Loans - Loans acquired in connection with acquisitions are recorded at their acquisition-date fair value in accordance with ASC 805, Business Combinations, with no carryover of related allowance for credit losses. Determining the fair value of the acquired loans involves estimating the principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Management considers a number of factors in evaluating the acquisition-date fair value including the remaining life of the acquired loans, delinquency status, estimated prepayments, payment options and other loan features, internal risk grade, estimated value of the underlying collateral and interest rate environment.

Loans acquired with deteriorated credit quality are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality (ASC 310-30), and therefore impaired if, at acquisition, the loans have evidence of credit quality deterioration since origination and it is probable that all contractually required payments will not be collected. At acquisition, WesBanco considers several factors as indicators that an acquired loan has evidence of deterioration in credit quality. These factors include loans 90 days or more past due, loans with an internal risk grade of substandard or below, loans classified as non-accrual by the acquired institution, and loans that have been previously modified as a TDR.

Acquired loans that were not individually determined to be impaired are considered performing and are accounted for in accordance with ASC 310-20, Nonrefundable Fees and Other Costs (ASC 310-20), whereby the premium or discount derived from the fair market value adjustment, on a loan-by-loan or pooled basis, is recognized into interest income on a level yield over the remaining expected life of the loan or pool.

Under the ASC 310-30 model, the excess of cash flows expected to be collected at acquisition over recorded fair value is referred to as the accretable yield and is the interest component of expected cash flow. The accretable yield is recognized into income over the remaining life of the loan if the timing and/or amount of cash flows expected to be collected can be reasonably estimated. If the timing or amount of cash flows expected to be collected cannot be reasonably estimated, the cost recovery method of income recognition is used. The difference between the loan’s total scheduled principal and interest payments over all cash flows expected to be collected at acquisition, considering the impact of prepayments, is referred to as the non-accretable difference. The non-accretable difference represents contractually required principal and interest payments which WesBanco does not expect to collect.

Over the life of the loan, management continues to estimate cash flows expected to be collected. Decreases in expected cash flows are recognized as impairments through a charge to the provision for loan losses resulting in an increase in the allowance for loan losses. Subsequent improvements in cash flows result in first, reversal of existing valuation allowances recognized subsequent to acquisition, if any, and next, an increase in the amount of accretable yield to be subsequently recognized in interest income on a prospective basis over the loan’s remaining life.

In conjunction with the ESB acquisition, WesBanco acquired loans with a book value of $716.2 million. These loans were recorded at their fair value of $700.9 million, with $690.1 million categorized as performing. The fair market value adjustment on performing loans of $10.0 million at acquisition date is expected to be recognized into interest income on a level yield basis over the remaining expected life of the performing loans.

Loans acquired with deteriorated credit quality with a book value of $16.1 million and contractually required payments of $21.7 million were recorded at their estimated fair value of $10.8 million. The accretable yield on the acquired impaired loans was estimated at $1.9 million at the acquisition date with $1.6 million remaining at June 30, 2015. For the six months ended June 30, 2015 accretion recognized in interest income on acquired impaired loans was $0.3 million. The balance of loans acquired with deteriorated credit quality at June 30, 2015, was $10.0 million, of which $8.5 million were categorized as non-accrual and $1.5 million were categorized as accruing TDRs, while the non-accretable difference was $9.0 million. At June 30, 2015 no allowance for loan losses has been recognized related to the acquired impaired loans.

The following tables summarize the age analysis of all categories of loans:

	Age Analysis of Loans
(unaudited, in thousands)	Current		30-59 Days Past  Due		60-89 Days Past  Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days  or More Past Due and Accruing (1)
As of June 30, 2015
Commercial real estate:
Land and construction	$	307,522	$	252	$	—	$	1,111	$	1,363	$	308,885	$	—
Improved property		1,870,393		1,304		797		12,734		14,835		1,885,228		180
Total commercial real estate		2,177,915		1,556		797		13,845		16,198		2,194,113		180
Commercial and industrial		729,815		356		896		2,411		3,663		733,478		3
Residential real estate		1,229,198		1,014		3,322		7,936		12,272		1,241,470		1,838
Home equity		375,663		1,212		1,010		1,855		4,077		379,740		228
Consumer		381,146		2,753		618		327		3,698		384,844		222
Total portfolio loans		4,893,737		6,891		6,643		26,374		39,908		4,933,645		2,471
Loans held for sale		11,160		—		—		—		—		11,160		—
Total loans	$	4,904,897	$	6,891	$	6,643	$	26,374	$	39,908	$	4,944,805	$	2,471
Impaired loans included above are as follows:
Non-accrual loans	$	21,964	$	1,030	$	1,641	$	23,569	$	26,240	$	48,204
TDRs accruing interest (1)		12,081		109		434		334		877		12,958
Total impaired	$	34,045	$	1,139	$	2,075	$	23,903	$	27,117	$	61,162
As of December 31, 2014
Commercial real estate:
Land and construction	$	261,356	$	20	$	—	$	1,267	$	1,287	$	262,643	$	71
Improved property		1,665,363		961		4,772		11,721		17,454		1,682,817		—
Total commercial real estate		1,926,719		981		4,772		12,988		18,741		1,945,460		71
Commercial and industrial		634,482		1,834		240		1,854		3,928		638,410		22
Residential real estate		915,968		1,237		3,384		8,181		12,802		928,770		1,306
Home equity		325,291		1,877		895		1,968		4,740		330,031		570
Consumer		240,365		2,571		685		474		3,730		244,095		319
Total portfolio loans		4,042,825		8,500		9,976		25,465		43,941		4,086,766		2,288
Loans held for sale		5,865		—		—		—		—		5,865		—
Total loans	$	4,048,690	$	8,500	$	9,976	$	25,465	$	43,941	$	4,092,631	$	2,288
Impaired loans included above are as follows:
Non-accrual loans	$	7,562	$	2,884	$	5,552	$	22,820	$	31,256	$	38,818
TDRs accruing interest (1)		11,016		151		542		357		1,050		12,066
Total impaired	$	18,578	$	3,035	$	6,094	$	23,177	$	32,306	$	50,884

⁽¹⁾ Loans 90 days or more past due and accruing interest exclude TDRs 90 days or more past due and accruing interest.

Impaired Loans — A loan is considered impaired, based on current information and events, if it is probable that WesBanco will be unable to collect the payments of principal and interest when due according to the contractual terms of the loan agreement. Impaired loans generally included all non-accrual loans and TDRs.

Loans are generally placed on non-accrual when they are 90 days past due unless the loan is well-secured and in the process of collection. Loans may also be placed on non-accrual when full collection of principal is in doubt even if payments on such loans remain current, or may remain on non-accrual if they were past due but subsequently brought current.

Loans are categorized as TDRs when the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that it would not otherwise consider.

Acquired loans that have experienced a deterioration of credit quality from origination to acquisition for which it is probable that WesBanco will be unable to collect all contractually required payments receivable, including both principal and interest, are considered impaired.

The following tables summarize impaired loans:

	Impaired Loans
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Unpaid Principal Balance (1)		Recorded Investment		Related Allowance		Unpaid Principal Balance (1)		Recorded Investment		Related Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,711	$	2,509	$	—	$	1,588	$	1,488	$	—
Improved property		28,520		21,001		—		16,480		14,684		—
Commercial and industrial		5,926		3,461		—		3,152		2,597		—
Residential real estate		19,914		17,967		—		20,077		18,544		—
Home equity		3,293		2,995		—		2,890		2,663		—
Consumer		1,522		1,189		—		1,287		1,086		—
Total impaired loans without a specific allowance		61,886		49,122		—		45,474		41,062		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		7,511		7,511		2,891		7,980		7,980		2,765
Commercial and industrial		5,833		4,529		1,021		1,842		1,842		1,033
Total impaired loans with a specific allowance		13,344		12,040		3,912		9,822		9,822		3,798
Total impaired loans	$	75,230	$	61,162	$	3,912	$	55,296	$	50,884	$	3,798

⁽¹⁾ The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired impaired loans.

	Impaired Loans
	For the Three Months Ended								For the Six Months Ended
	June 30, 2015				June 30, 2014				June 30, 2015				June 30, 2014
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	2,493	$	2	$	2,143	$	13	$	2,158	$	18	$	2,283	$	15
Improved Property		21,741		240		18,572		133		19,389		463		18,924		153
Commercial and industrial		2,947		49		4,122		57		2,830		62		3,831		89
Residential real estate		18,550		235		18,864		209		18,548		465		19,272		391
Home equity		2,806		21		2,173		16		2,758		41		2,284		35
Consumer		1,261		26		1,135		18		1,202		46		1,150		46
Total impaired loans without a specific allowance		49,798		573		47,009		446		46,885		1,095		47,744		729
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—		—		—
Improved Property		6,989		56		727		3		7,319		56		727		4
Commercial and industrial		3,149		118		2,537		29		2,713		137		2,206		41
Total impaired loans with a specific allowance		10,138		174		3,264		32		10,032		193		2,933		45
Total impaired loans	$	59,936	$	747	$	50,273	$	478	$	56,917	$	1,288	$	50,677	$	774

The following tables present the recorded investment in non-accrual loans and TDRs:

	Non-accrual Loans (1)
(unaudited, in thousands)	June 30, 2015		December 31, 2014
Commercial real estate:
Land and construction	$	1,382	$	1,488
Improved property		26,103		20,227
Total commercial real estate		27,485		21,715
Commercial and industrial		7,664		4,110
Residential real estate		10,117		10,329
Home equity		2,251		1,923
Consumer		687		741
Total	$	48,204	$	38,818

⁽¹⁾  Total non-accrual loans include loans that are also restructured. Such loans are also set forth in the following table as non-accrual TDRs.

	TDRs
	June 30, 2015						December 31, 2014
(unaudited, in thousands)	Accruing		Non- Accrual		Total		Accruing		Non- Accrual		Total
Commercial real estate:
Land and construction	$	1,127	$	501	$	1,628	$	—	$	464	$	464
Improved property		2,409		9,761		12,170		2,437		1,850		4,287
Total commercial real estate		3,536		10,262		13,798		2,437		2,314		4,751
Commercial and industrial		326		293		619		329		478		807
Residential real estate		7,850		2,089		9,939		8,215		2,074		10,289
Home equity		744		278		1,022		740		245		985
Consumer		502		218		720		345		309		654
Total	$	12,958	$	13,140	$	26,098	$	12,066	$	5,420	$	17,486

As of June 30, 2015, there were two TDRs greater than $1.0 million. The concessions granted in the majority of loans reported as accruing and non-accrual TDRs are extensions of the maturity date or the amortization period, reductions in the interest rate below the prevailing market rate for loans with comparable characteristics, and/or permitting interest-only payments for longer than three months.

WesBanco had unfunded commitments to debtors whose loans were classified as impaired of $1.3 million and $0 as of June 30, 2015 and December 31, 2014, respectively.

The following table presents details related to loans identified as TDRs during the three and six months ended June 30, 2015 and 2014, respectively:

	New TDRs (1)
	For the Three Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved Property		—		—		—		1		112		112
Total commercial real estate		—		—		—		1		112		112
Commercial and industrial		—		—		—		—		—		—
Residential real estate		1		41		39		2		70		70
Home equity		—		—		—		—		—		—
Consumer		—		—		—		9		100		93
Total		1	$	41	$	39		12	$	282	$	275

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

	New TDRs (1)
	For the Six Months Ended
	June 30, 2015						June 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		9	$	1,239	$	1,160		—	$	—	$	—
Improved Property		7		9,336		8,784		2		203		201
Total commercial real estate		16		10,575		9,944		2		203		201
Commercial and industrial		2		42		53		—		—		—
Residential real estate		8		466		455		5		189		185
Home equity		1		7		6		—		—		—
Consumer		19		279		273		11		138		123
Total		46	$	11,369	$	10,731		18	$	530	$	509

⁽¹⁾ Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

The following tables summarize TDRs which defaulted (defined as past due 90 days) during the six months ended June 30, 2015 and 2014, respectively, that were restructured within the last twelve months prior to June 30, 2015 and 2014, respectively:

	Defaulted TDRs (1)
	For the Six Months Ended
	June 30, 2015				June 30, 2014
	Number of		Recorded		Number of		Recorded
(unaudited, dollars in thousands)	Defaults		Investment		Defaults		Investment
Commercial real estate:
Land and construction		—	$	—		—	$	—
Improved property		—		—		—		—
Total commercial real estate		—		—		—		—
Commercial and industrial		—		—		—		—
Residential real estate		—		—		4		236
Home equity		1		42		—		—
Consumer		—		—		—		—
Total		1	$	42		4	$	236

⁽¹⁾  Excludes loans that were either charged-off or cured by period end. The recorded investment is as of June 30, 2015 and 2014, respectively.

TDRs that defaulted during the six month period that were restructured within the last twelve months represented less than 1.0% of the total TDR balance at June 30, 2015. These loans are placed on non-accrual status unless they are both well-secured and in the process of collection. At June 30, 2015, the loan in the table above was not accruing interest.

The following table summarizes other real estate owned and repossessed assets included in other assets:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Other real estate owned	$	5,912	$	4,920
Repossessed assets		256		162
Total other real estate owned and repossessed assets	$	6,168	$	5,082

Residential real estate included in other real estate owned at June 30, 2015 and December 31, 2014 was $1.9 million and $0.6 million, respectively. At June 30, 2015, formal foreclosure proceedings were in process on residential real estate loans totaling $3.6 million.

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Securities

6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Securities

NOTE 4. SECURITIES

The following table presents the fair value and amortized cost of available-for-sale and held-to-maturity securities:

	June 30, 2015									December 31, 2014
(unaudited, in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value		Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
Available-for-sale
Obligations of government agencies	$	80,160	$	1,172	$	(295	)	$	81,037	$	86,964	$	1,087	$	(315	)	$	87,736
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,239,616		3,868		(11,062	)		1,232,422		703,535		4,336		(6,758	)		701,113
Obligations of states and political subdivisions		88,267		4,592		(88	)		92,771		86,073		5,365		(5	)		91,433
Corporate debt securities		177,395		262		(343	)		177,314		25,974		141		(119	)		25,996
Total debt securities	$	1,585,438	$	9,894	$	(11,788	)	$	1,583,544	$	902,546	$	10,929	$	(7,197	)	$	906,278
Equity securities		10,533		581		—			11,114		10,304		842		—			11,146
Total available-for-sale securities	$	1,595,971	$	10,475	$	(11,788	)	$	1,594,658	$	912,850	$	11,771	$	(7,197	)	$	917,424
Held-to-maturity
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies	$	120,576	$	2,501	$	(1,153	)	$	121,924	$	79,004	$	3,262	$	(246	)	$	82,020
Obligations of states and political subdivisions		718,230		19,754		(5,270	)		732,714		507,927		23,917		(1,043	)		530,801
Corporate debt securities		9,610		49		(71	)		9,588		6,739		106		(49	)		6,796
Total held-to-maturity securities	$	848,416	$	22,304	$	(6,494	)	$	864,226	$	593,670	$	27,285	$	(1,338	)	$	619,617
Total securities	$	2,444,387	$	32,779	$	(18,282	)	$	2,458,884	$	1,506,520	$	39,056	$	(8,535	)	$	1,537,041

At June 30, 2015, and December 31, 2014, there were no holdings of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of WesBanco’s shareholders’ equity.

The following table presents the fair value of available-for-sale and held-to-maturity securities by contractual maturity at June 30, 2015. In some instances, the issuers may have the right to call or prepay obligations without penalty prior to the contractual maturity date.

	June 30, 2015
(unaudited, in thousands)	One Year or less		One to Five Years		Five to Ten Years		After Ten Years		Mortgage-backed and Equity		Total
Available-for-sale
Obligations of government agencies	$	—	$	25,230	$	38,977	$	16,830	$	—	$	81,037
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)		—		—		—		—		1,232,422		1,232,422
Obligations of states and political subdivisions		4,745		31,657		27,147		29,222		—		92,771
Corporate debt securities		82,862		56,218		33,344		4,890		—		177,314
Equity securities (2)		—		—		—		—		11,114		11,114
Total available-for-sale securities	$	87,607	$	113,105	$	99,468	$	50,942	$	1,243,536	$	1,594,658
Held-to-maturity (3)
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)	$	—	$	—	$	—	$	—	$	121,924	$	121,924
Obligations of states and political subdivisions		1,877		27,296		319,753		383,788		—		732,714
Corporate debt securities		—		1,010		8,578		—		—		9,588
Total held-to-maturity securities	$	1,877	$	28,306	$	328,331	$	383,788	$	121,924	$	864,226
Total securities	$	89,484	$	141,411	$	427,799	$	434,730	$	1,365,460	$	2,458,884

⁽¹⁾ Mortgage-backed and collateralized mortgage securities, which have prepayment provisions, are not assigned to maturity categories due to fluctuations in their prepayment speeds.

⁽²⁾ Equity securities, which have no stated maturity, are not assigned a maturity category.

⁽³⁾  The held-to-maturity portfolio is carried at an amortized cost of $848.4 million.

Securities with aggregate fair values of $1.1 billion and $706.5 million at June 30, 2015 and December 31, 2014, respectively, were pledged as security for public and trust funds, and securities sold under agreements to repurchase. Proceeds from the sale of available-for-sale securities were $560.7 million, primarily due to the ESB portfolio restructuring, and $3.5 million for the six months ended June 30, 2015 and 2014, respectively. Net unrealized (losses) gains on available-for-sale securities included in accumulated other comprehensive income net of tax, as of June 30, 2015 and December 31, 2014 were ($0.8) million and $2.9 million, respectively.

The following table presents the gross realized gains and losses on sales and calls of securities for the three and six months ended June 30, 2015 and 2014, respectively.

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Gross realized gains	$	2		$	170		$	26		$	365
Gross realized losses		(2	)		(5	)		(4	)		(190	)
Net realized gains (losses)	$	—		$	165		$	22		$	175

The following tables provide information on unrealized losses on investment securities that have been in an unrealized loss position for less than twelve months and twelve months or more as of June 30, 2015 and December 31, 2014:

	June 30, 2015
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	37,435	$	(295	)		9	$	—	$	—			—	$	37,435	$	(295	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		755,016		(7,346	)		138		164,273		(4,869	)		33		919,289		(12,215	)		171
Obligations of states and political subdivisions		299,339		(4,629	)		415		21,889		(729	)		33		321,228		(5,358	)		448
Corporate debt securities		93,533		(318	)		27		4,890		(96	)		2		98,423		(414	)		29
Total temporarily impaired securities	$	1,185,323	$	(12,588	)		589	$	191,052	$	(5,694	)		68	$	1,376,375	$	(18,282	)		657
	December 31, 2014
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	19,362	$	(77	)		5	$	19,757	$	(238	)		4	$	39,119	$	(315	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		78,786		(386	)		19		240,055		(6,618	)		43		318,841		(7,004	)		62
Obligations of states and political subdivisions		12,615		(96	)		15		61,548		(952	)		93		74,163		(1,048	)		108
Corporate debt securities		2,969		(31	)		1		4,573		(137	)		2		7,542		(168	)		3
Total temporarily impaired securities	$	113,732	$	(590	)		40	$	325,933	$	(7,945	)		142	$	439,665	$	(8,535	)		182

Unrealized losses on debt securities in the tables represent temporary fluctuations resulting from changes in market rates in relation to fixed yields. Unrealized losses in the available-for-sale portfolio are accounted for as an adjustment, net of taxes, to other comprehensive income in shareholders’ equity.

WesBanco does not believe the securities presented above are impaired due to reasons of credit quality, as there are no debt securities rated below investment grade and all are paying principal and interest according to their contractual terms. WesBanco does not intend to sell, nor is it more likely than not that it will be required to sell, loss position securities prior to recovery of their cost, and therefore, management believes the unrealized losses detailed above are temporary and no impairment loss relating to these securities has been recognized.

Securities that do not have readily determinable fair values and for which WesBanco does not exercise significant influence are carried at cost. Cost method investments consist primarily of FHLB of Pittsburgh and FHLB of Cincinnati stock totaling $35.0 million and $11.6 million at June 30, 2015 and December 31, 2014, respectively, and are included in other assets in the Consolidated Balance Sheets. Cost method investments are evaluated for impairment whenever events or circumstances suggest that their carrying value may not be recoverable.

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Pension Plan (Tables)

6 Months Ended

Jun. 30, 2015

Compensation and Retirement Disclosure [Abstract]

Components of Net Periodic Pension Cost

The following table presents the net periodic pension cost for WesBanco’s Defined Benefit Pension Plan (the “Plan”) and the related components:

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Service cost - benefits earned during year	$	836		$	725		$	1,663		$	1,442
Interest cost on projected benefit obligation		1,214			1,183			2,415			2,353
Expected return on plan assets		(1,928	)		(1,802	)		(3,835	)		(3,585	)
Amortization of prior service cost		6			11			12			22
Amortization of net loss		793			367			1,577			730
Net periodic pension cost	$	921		$	484		$	1,832		$	962

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Mergers and Acquisitions (Tables)

6 Months Ended

Jun. 30, 2015

Business Combinations [Abstract]

Calculation of Purchase Price and Resulting Goodwill Relating to ESB Acquisition

The purchase price of the ESB acquisition and resulting goodwill is summarized as follows:

(unaudited, in thousands)	February 10, 2015
Purchase Price:
Fair value of WesBanco shares issued, (net of equity issuance costs of $0.1 million)	$	293,933
Cash consideration for outstanding ESB shares, options and restricted stock		37,036
Settlement of pre-existing loan to ESB		8,000
Total purchase price	$	338,969
Fair value of:
Tangible assets acquired	$	1,858,360
Core deposit and other intangible assets acquired		5,346
Liabilities assumed		(1,702,554	)
Net cash received in the acquisition		8,485
Fair value of net assets acquired		169,637
Goodwill recognized	$	169,332

Summary of Fair Value of Net Assets that Wesbanco Acquired from ESB

The following table presents the preliminary allocation of the purchase price of the assets acquired and the liabilities assumed at the date of acquisition, as WesBanco intends to finalize its accounting for the acquisition of ESB during 2015:

(unaudited, in thousands)	February 10, 2015
Assets
Cash and due from banks	$	8,485
Securities		486,891
Loans		700,933
Goodwill and other intangible assets		174,678
Accrued income and other assets (1)		670,536
Total Assets	$	2,041,523
Liabilities
Deposits	$	1,246,992
Borrowings		433,454
Accrued expenses and other liabilities		22,108
Total liabilities		1,702,554
Purchase price	$	338,969

(1) Includes receivables of $560.7 million from the sale of available-for-sale securities prior to the acquisition date.

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Comprehensive Income

6 Months Ended

Jun. 30, 2015

Equity [Abstract]

Comprehensive Income

NOTE 8. COMPREHENSIVE INCOME

The activity in accumulated other comprehensive income for the six months ended June 30, 2015 and 2014 is as follows:

	Accumulated Other Comprehensive Income (1)
(unaudited, in thousands)	Defined Benefit Pension Plan			Unrealized Gains (Losses) on Securities Available-for-Sale			Unrealized Gains on Securities Transferred from Available-for- Sale to Held-to-Maturity			Total
Balance at December 31, 2014	$	(22,776	)	$	2,892		$	1,059		$	(18,825	)
Other comprehensive income before reclassifications		—			(3,711	)		—			(3,711	)
Amounts reclassified from accumulated other comprehensive income		981			(13	)		(134	)		834
Period change		981			(3,724	)		(134	)		(2,877	)
Balance at June 30, 2015	$	(21,795	)	$	(832	)	$	925		$	(21,702	)
Balance at December 31, 2013	$	(7,966	)	$	(6,126	)	$	1,358		$	(12,734	)
Other comprehensive income before reclassifications		—			7,194			—			7,194
Amounts reclassified from accumulated other comprehensive income		475			(157	)		(171	)		147
Period change		475			7,037			(171	)		7,341
Balance at June 30, 2014	$	(7,491	)	$	911		$	1,187		$	(5,393	)

⁽¹⁾  All amounts are net of tax. Related income tax expense or benefit is calculated using a combined Federal and State income tax rate approximating 37%.

The following table provides details about amounts reclassified from accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014:

Details about Accumulated Other Comprehensive Income Components	For the Three Months Ended June 30,						For the Six Months Ended June 30,						Affected Line Item in the Statement of Net Income
(unaudited, in thousands)	2015			2014			2015			2014
Securities available-for-sale (1):
Net securities gains reclassified into earnings	$	(2	)	$	(170	)	$	(20	)	$	(248	)	Net securities gains (Non-interest income)
Related income tax expense		1			63			7			91		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(1	)		(107	)		(13	)		(157	)
Securities held-to-maturity (1):
Amortization of unrealized gain transferred from available-for-sale		(107	)		(132	)		(214	)		(270	)	Interest and dividends on securities (Interest and dividend income)
Related income tax expense		39			48			80			99		Provision for income taxes
Net effect on accumulated other comprehensive income for the period		(68	)		(84	)		(134	)		(171	)
Defined benefit pension plan (2):
Amortization of net loss and prior service costs		799			378			1,589			752		Employee benefits (Non-interest expense)
Related income tax benefit		(293	)		(139	)		(608	)		(277	)	Provision for income taxes
Net effect on accumulated other comprehensive income for the period		506			239			981			475
Total reclassifications for the period	$	437		$	48		$	834		$	147

⁽¹⁾ For additional detail related to unrealized gains on securities and related amounts reclassified from accumulated other comprehensive income see Note 4, “Securities.”

⁽²⁾ Included in the computation of net periodic pension cost. See Note 6, “Pension Plan” for additional detail.

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Comprehensive Income - Components of Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Comprehensive Income [Abstract]
Beginning Balance, Defined Benefit Pension Plan	$ (22,776)	$ (7,966)
Defined Benefit Pension Plan, Other comprehensive income before reclassifications	0	0
Defined Benefit Pension Plan, Amounts reclassified from accumulated other comprehensive income	981	475
Defined Benefit Pension Plan, Period change	981	475
Ending Balance, Defined Benefit Pension Plan	(21,795)	(7,491)
Beginning Balance, Unrealized Gains (Losses) on Securities Available-for-Sale	2,892	(6,126)
Unrealized Gains (Losses) on Securities Available-for-Sale, Other comprehensive income before reclassifications	(3,711)	7,194
Unrealized Gains (Losses) on Securities Available-for-Sale, Amounts reclassified from accumulated other comprehensive income	(13)	(157)
Net effect on accumulated other comprehensive income for the period	(3,724)	7,037
Ending Balance, Unrealized Gains (Losses) on Securities Available-for-Sale	(832)	911
Beginning Balance, Unrealized Gains on Securities Transferred from Available-for-Sale to Held-to-Maturity	1,059	1,358
Unrealized Gains on Securities Transferred from Available-for-Sale to Held-to-Maturity, Other comprehensive income before reclassifications	0	0
Unrealized Gains on Securities Transferred from Available-for-Sale to Held-to-Maturity, Amounts reclassified from accumulated other comprehensive income	(134)	(171)
Unrealized Gains on Securities Transferred from Available-for-Sale to Held-to-Maturity, Period change	(134)	(171)
Ending Balance, Unrealized Gains on Securities Transferred from Available-for-Sale to Held-to-Maturity	925	1,187
Beginning Balance, Accumulated Other Comprehensive Income	(18,825)	(12,734)
Other comprehensive income before reclassifications	(3,711)	7,194
Amounts reclassified from accumulated other comprehensive income	834	147
Total other comprehensive income	(2,877)	7,341
Ending Balance, Accumulated Other Comprehensive Income	$ (21,702)	$ (5,393)

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Pension Plan

6 Months Ended

Jun. 30, 2015

Compensation and Retirement Disclosure [Abstract]

Pension Plan

NOTE 6. PENSION PLAN

The following table presents the net periodic pension cost for WesBanco’s Defined Benefit Pension Plan (the “Plan”) and the related components:

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Service cost - benefits earned during year	$	836		$	725		$	1,663		$	1,442
Interest cost on projected benefit obligation		1,214			1,183			2,415			2,353
Expected return on plan assets		(1,928	)		(1,802	)		(3,835	)		(3,585	)
Amortization of prior service cost		6			11			12			22
Amortization of net loss		793			367			1,577			730
Net periodic pension cost	$	921		$	484		$	1,832		$	962

The Plan covers all employees of WesBanco and its subsidiaries who were hired on or before August 1, 2007 who satisfy minimum age and length of service requirements, and is not available to employees hired after such date.

A minimum required contribution of $3.1 million is due for 2015 which could be all or partially offset by the Plan’s $34.9 million available credit balance. A voluntary contribution of $3.5 million was made in June 2015.

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Fair Value Measurement

6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Fair Value Measurement

NOTE 7. FAIR VALUE MEASUREMENT

Fair value estimates are based on quoted market prices, if available, quoted market prices of similar assets or liabilities, or the present value of expected future cash flows and other valuation techniques. These valuations are significantly affected by discount rates, cash flow assumptions, and risk assumptions used. Therefore, fair value estimates may not be substantiated by comparison to independent markets and are not intended to reflect the proceeds that may be realizable in an immediate settlement of the instruments.

Fair value is determined at one point in time and is not representative of future value. These amounts do not reflect the total value of a going concern organization. Management does not have the intention to dispose of a significant portion of its assets and liabilities and therefore, the unrealized gains or losses should not be interpreted as a forecast of future earnings and cash flows.

The following is a discussion of assets and liabilities measured at fair value on a recurring basis and valuation techniques applied:

Securities available-for-sale: The fair value of securities available-for-sale which are measured on a recurring basis are determined primarily by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other similar securities. These securities are classified within level 1 or 2 in the fair value hierarchy. Certain equity securities that are lightly traded in over-the-counter markets are classified as level 2 in the fair value hierarchy, as quoted market prices may not be available on the fair value measurement date. Positions that are not traded in active markets for which valuations are generated using assumptions not observable in the market or management’s best estimate are classified within level 3 of the fair value hierarchy. This includes certain specific municipal debt issues for which the credit quality and discount rate must be estimated.

We may be required from time to time to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These adjustments to fair value usually result from application of lower of cost or market accounting or write-downs of individual assets.

Impaired loans: Impaired loans are carried at the lower of cost or the fair value of the collateral for collateral-dependent loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The use of independent appraisals, discounted cash flow models and management’s best judgment are significant inputs in arriving at the fair value measure of the underlying collateral and impaired loans are therefore classified within level 3 of the fair value hierarchy.

Other real estate owned and repossessed assets: Other real estate owned and repossessed assets are carried at the lower of the investment in the assets or the fair value of the assets less estimated selling costs. The use of independent appraisals and management’s best judgment are significant inputs in arriving at the fair value measure of the underlying collateral, and therefore other real estate owned and repossessed assets are classified within level 3 of the fair value hierarchy.

Loans held for sale: Loans held for sale are carried, in aggregate, at the lower of cost or fair value. The use of a valuation model using quoted prices of similar instruments are significant inputs in arriving at the fair value and therefore loans held for sale are classified within level 2 of the fair value hierarchy.

The following tables set forth WesBanco’s financial assets and liabilities that were accounted for at fair value on a recurring and nonrecurring basis by level within the fair value hierarchy as of June 30, 2015 and December 31, 2014:

			June 30, 2015
			Fair Value Measurements Using:
(unaudited, in thousands)	June 30, 2015		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	81,037	$	—	$	81,037	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,232,422		—		1,232,422		—
Obligations of state and political subdivisions		92,771		—		92,771		—
Corporate debt securities		177,314		—		177,314		—
Equity securities		11,114		8,315		2,799		—
Total securities - available-for-sale	$	1,594,658	$	8,315	$	1,586,343	$	—
Total recurring fair value measurements	$	1,594,658	$	8,315	$	1,586,343	$	—
Nonrecurring fair value measurements
Impaired loans	$	8,128	$	—	$	—	$	8,128
Other real estate owned and repossessed assets		6,168		—		—		6,168
Loans held for sale		11,160		—		11,160		—
Total nonrecurring fair value measurements	$	25,456	$	—	$	11,160	$	14,296
			December 31, 2014
			Fair Value Measurements Using:
(unaudited, in thousands)	December 31, 2014		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Recurring fair value measurements
Securities - available-for-sale
Obligations of government agencies	$	87,736	$	—	$	87,736	$	—
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		701,113		—		701,113		—
Obligations of state and political subdivisions		91,433		—		91,433		—
Corporate debt securities		25,996		—		25,996		—
Equity securities		11,146		8,440		2,706		—
Total securities - available-for-sale	$	917,424	$	8,440	$	908,984	$	—
Total recurring fair value measurements	$	917,424	$	8,440	$	908,984	$	—
Nonrecurring fair value measurements
Impaired loans	$	6,024	$	—	$	—	$	6,024
Other real estate owned and repossessed assets		5,082		—		—		5,082
Loans held for sale		5,865		—		5,865		—
Total nonrecurring fair value measurements	$	16,971	$	—	$	5,865	$	11,106

WesBanco’s policy is to recognize transfers between levels as of the actual date of the event or change in circumstances that caused the transfer. There were no transfers between level 1, 2 or 3 for the six months ended June 30, 2015 or 2014.

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which WesBanco has utilized level 3 inputs to determine fair value:

	Quantitative Information about Level 3 Fair Value Measurements
(unaudited, in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
June 30, 2015:
Impaired loans	$	8,128	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (42.2%) / (16.6%)
				Liquidation expenses (2)	(2.9%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		6,168	Appraisal of collateral (1), (3)
December 31, 2014:
Impaired loans	$	6,024	Appraisal of collateral (1)	Appraisal adjustments (2)	0% to (39.7%) / (6.7%)
				Liquidation expenses (2)	(1.2%) to (8.0%) / (6.7%)
Other real estate owned and repossessed assets		5,082	Appraisal of collateral (1), (3)

⁽¹⁾ Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.

⁽²⁾  Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of appraisal adjustments and liquidation expenses are presented as a percent of the appraisal.

⁽³⁾  Includes estimated liquidation expenses and numerous dissimilar qualitative adjustments by management which are not identifiable.

The estimated fair values of WesBanco’s financial instruments are summarized below:

					Fair Value Measurements at June 30, 2015
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	108,738	$	108,738	$	108,738	$	—	$	—
Securities available-for-sale		1,594,658		1,594,658		8,315		1,586,343		—
Securities held-to-maturity		848,416		864,226		—		863,507		719
Net loans		4,890,226		4,883,371		—		—		4,883,371
Loans held for sale		11,160		11,160		—		11,160		—
Accrued interest receivable		24,739		24,739		24,739		—		—
Bank-owned life insurance		154,980		154,980		154,980		—		—
Financial Liabilities
Deposits		6,259,045		6,269,284		4,480,480		1,788,804		—
Federal Home Loan Bank borrowings		781,332		783,072		—		783,072		—
Other borrowings		73,868		73,866		70,991		2,875		—
Junior subordinated debt		106,196		78,628		—		78,628		—
Accrued interest payable		2,542		2,542		2,542		—		—
					Fair Value Measurements at December 31, 2014
(unaudited, in thousands)	Carrying Amount		Fair Value Estimate		Quoted Prices in Active Markets for Identical Assets (level 1)		Significant Other Observable Inputs (level 2)		Significant Unobservable Inputs (level 3)
Financial Assets
Cash and due from banks	$	94,002	$	94,002	$	94,002	$	—	$	—
Securities available-for-sale		917,424		917,424		8,440		908,984		—
Securities held-to-maturity		593,670		619,617		—		618,895		722
Net loans		4,042,112		4,047,648		—		—		4,047,648
Loans held for sale		5,865		5,865		—		5,865		—
Accrued interest receivable		18,481		18,481		18,481		—		—
Bank-owned life insurance		123,298		123,298		123,298		—		—
Financial Liabilities
Deposits		5,048,983		5,056,828		3,743,887		1,312,941		—
Federal Home Loan Bank borrowings		223,126		225,456		—		225,456		—
Other borrowings		80,690		80,696		77,534		3,162		—
Junior subordinated debt		106,176		79,212		—		79,212		—
Accrued interest payable		1,620		1,620		1,620		—		—

The following methods and assumptions were used to measure the fair value of financial instruments recorded at cost on WesBanco’s consolidated balance sheets:

Cash and due from banks: The carrying amount for cash and due from banks is a reasonable estimate of fair value.

Securities held-to-maturity: Fair values for securities held-to-maturity are determined in the same manner as securities available-for-sale which is described above.

Net loans: Fair values for loans are estimated using a discounted cash flow methodology. The discount rates take into account interest rates currently being offered to customers for loans with similar terms, the credit risk associated with the loan and other market factors, including liquidity. The valuation of the loan portfolio reflects discounts that WesBanco believes are consistent with transactions occurring in the marketplace for both performing and distressed loan types. The carrying value that fair value is compared to is net of the allowance for loan losses and other associated premiums and discounts. Due to the significant judgment involved in evaluating credit quality, loans are classified within level 3 of the fair value hierarchy.

Accrued interest receivable: The carrying amount of accrued interest receivable approximates its fair value.

Bank-owned life insurance: The carrying value of bank-owned life insurance represents the net cash surrender value of the underlying insurance policies, should these policies be terminated. Management believes that the carrying value approximates its fair value.

Deposits: The carrying amount is considered a reasonable estimate of fair value for demand, savings and other variable rate deposit accounts. The fair value of fixed maturity certificates of deposit is estimated by a discounted cash flow method using rates currently offered for deposits of similar remaining maturities.

Federal Home Loan Bank borrowings: The fair value of FHLB borrowings is based on rates currently available to WesBanco for borrowings with similar terms and remaining maturities.

Other borrowings: The carrying amount of federal funds purchased and overnight sweep accounts generally approximate fair value. Other repurchase agreements are based on quoted market prices if available. If market prices are not available, for certain fixed and adjustable rate repurchase agreements, then quoted market prices of similar instruments are used.

Junior subordinated debt owed to unconsolidated subsidiary trusts: Due to the pooled nature of these instruments, which are not actively traded, estimated fair value is based on recent similar transactions of single-issuer trust preferred securities.

Accrued interest payable: The carrying amount of accrued interest payable approximates its fair value.

Off-balance sheet financial instruments: Off-balance sheet financial instruments consist of commitments to extend credit, including letters of credit. Fair values for commitments to extend credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit standing of the counterparties. The estimated fair value of the commitments to extend credit and letters of credit are insignificant and therefore are not presented in the above tables.

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Commitments and Contingent Liabilities

6 Months Ended

Jun. 30, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingent Liabilities

NOTE 9. COMMITMENTS AND CONTINGENT LIABILITIES

Commitments — In the normal course of business, WesBanco offers off-balance sheet credit arrangements to enable its customers to meet their financing objectives. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the financial statements. WesBanco’s exposure to credit losses in the event of non-performance by the other parties to the financial instruments for commitments to extend credit and standby letters of credit is limited to the contractual amount of those instruments. WesBanco uses the same credit policies in making commitments and conditional obligations as for all other lending. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The allowance for credit losses associated with commitments was $0.8 million and $0.5 million as of June 30, 2015 and December 31, 2014, respectively, and is included in other liabilities on the Consolidated Balance Sheets.

Letters of credit are conditional commitments issued by banks to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financing and similar transactions. Letters of credit are considered guarantees. The liability associated with letters of credit was $0.2 million as of June 30, 2015 and December 31, 2014, respectively.

Contingent obligations to purchase loans funded by other entities include affordable housing plan guarantees and credit card guarantees. Affordable housing plan guarantees are performance guarantees for various building project loans. The guarantee amortizes as the loan balances decrease. Credit card guarantees are credit card balances not owned by WesBanco, whereby the Bank guarantees the performance of the cardholder.

The following table presents total commitments to extend credit, guarantees and various letters of credit outstanding:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Lines of credit	$	1,111,712	$	984,352
Loans approved but not closed		333,624		116,757
Overdraft limits		107,619		95,965
Letters of credit		26,295		23,362
Contingent obligations to purchase loans funded by other entities		9,324		8,312

Contingent Liabilities — WesBanco is a party to various legal and administrative proceedings and claims. While any litigation contains an element of uncertainty, management does not believe that a material loss related to such proceedings or claims pending or known to be threatened is reasonably possible.

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Commitments and Contingent Liabilities - Commitments to Extend Credit, Guarantees and Various Letters of Credit Outstanding (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Lines of credit	$ 1,111,712	$ 984,352
Loans approved but not closed	333,624	116,757
Overdraft limits	107,619	95,965
Letters of credit	26,295	23,362
Contingent obligations to purchase loans funded by other entities	$ 9,324	$ 8,312

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Business Segments - Financial Information by Business Segment (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Segment Reporting Information [Line Items]
Interest income	$ 66,729	$ 54,044	$ 127,117	$ 107,501
Interest expense	5,936	5,737	11,360	11,870
Net interest income	60,793	48,307	115,757	95,631
Provision for credit losses	2,681	849	3,970	3,048
Net interest income after provision for credit losses	58,112	47,458	111,787	92,583
Non-interest income	18,072	18,241	36,254	35,290
Non-interest expense	46,589	40,304	100,047	80,398
Income before provision for income taxes	29,595	25,395	47,994	47,475
Provision for income taxes	7,962	6,520	12,482	12,179
Net income	21,633	18,875	35,512	35,296
Community Banking [Member]
Segment Reporting Information [Line Items]
Interest income	66,729	54,044	127,117	107,501
Interest expense	5,936	5,737	11,360	11,870
Net interest income	60,793	48,307	115,757	95,631
Provision for credit losses	2,681	849	3,970	3,048
Net interest income after provision for credit losses	58,112	47,458	111,787	92,583
Non-interest income	12,596	13,031	24,725	24,432
Non-interest expense	43,568	37,367	93,863	74,193
Income before provision for income taxes	27,140	23,122	42,649	42,822
Provision for income taxes	6,980	5,611	10,344	10,318
Net income	20,160	17,511	32,305	32,504
Trust and Investment Services [Member]
Segment Reporting Information [Line Items]
Non-interest income	5,476	5,210	11,529	10,858
Non-interest expense	3,021	2,937	6,184	6,205
Income before provision for income taxes	2,455	2,273	5,345	4,653
Provision for income taxes	982	909	2,138	1,861
Net income	$ 1,473	$ 1,364	$ 3,207	$ 2,792

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Commitments and Contingent Liabilities - Additional Information (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]
Allowance for credit losses associated with loan commitments	$ 805	$ 455	$ 536	$ 602
Liability associated with letters of credit	$ 200	$ 200

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Earnings Per Common Share - Additional Information (Detail)	Feb. 10, 2015 shares
ESB Financial Corporation [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Common shares issued	9,178,531

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Loans and the Allowance for Credit Losses - Loans Identified as TDRs (Detail) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract	1	12	46	18
Pre-Modification Outstanding Recorded Investment	$ 41	$ 282	$ 11,369	$ 530
Post-Modification Outstanding Recorded Investment	$ 39	$ 275	$ 10,731	$ 509
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract			9
Pre-Modification Outstanding Recorded Investment			$ 1,239
Post-Modification Outstanding Recorded Investment			$ 1,160
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		1	7	2
Pre-Modification Outstanding Recorded Investment		$ 112	$ 9,336	$ 203
Post-Modification Outstanding Recorded Investment		$ 112	$ 8,784	$ 201
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		1	16	2
Pre-Modification Outstanding Recorded Investment		$ 112	$ 10,575	$ 203
Post-Modification Outstanding Recorded Investment		$ 112	$ 9,944	$ 201
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract			2
Pre-Modification Outstanding Recorded Investment			$ 42
Post-Modification Outstanding Recorded Investment			$ 53
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract	1	2	8	5
Pre-Modification Outstanding Recorded Investment	$ 41	$ 70	$ 466	$ 189
Post-Modification Outstanding Recorded Investment	$ 39	$ 70	$ 455	$ 185
Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract			1
Pre-Modification Outstanding Recorded Investment			$ 7
Post-Modification Outstanding Recorded Investment			$ 6
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		9	19	11
Pre-Modification Outstanding Recorded Investment		$ 100	$ 279	$ 138
Post-Modification Outstanding Recorded Investment		$ 93	$ 273	$ 123

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Securities (Tables)

6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Schedule of Fair Value and Amortized Cost of Available-for-sale and Held-to-maturity Securities

The following table presents the fair value and amortized cost of available-for-sale and held-to-maturity securities:

	June 30, 2015									December 31, 2014
(unaudited, in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value		Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
Available-for-sale
Obligations of government agencies	$	80,160	$	1,172	$	(295	)	$	81,037	$	86,964	$	1,087	$	(315	)	$	87,736
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		1,239,616		3,868		(11,062	)		1,232,422		703,535		4,336		(6,758	)		701,113
Obligations of states and political subdivisions		88,267		4,592		(88	)		92,771		86,073		5,365		(5	)		91,433
Corporate debt securities		177,395		262		(343	)		177,314		25,974		141		(119	)		25,996
Total debt securities	$	1,585,438	$	9,894	$	(11,788	)	$	1,583,544	$	902,546	$	10,929	$	(7,197	)	$	906,278
Equity securities		10,533		581		—			11,114		10,304		842		—			11,146
Total available-for-sale securities	$	1,595,971	$	10,475	$	(11,788	)	$	1,594,658	$	912,850	$	11,771	$	(7,197	)	$	917,424
Held-to-maturity
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies	$	120,576	$	2,501	$	(1,153	)	$	121,924	$	79,004	$	3,262	$	(246	)	$	82,020
Obligations of states and political subdivisions		718,230		19,754		(5,270	)		732,714		507,927		23,917		(1,043	)		530,801
Corporate debt securities		9,610		49		(71	)		9,588		6,739		106		(49	)		6,796
Total held-to-maturity securities	$	848,416	$	22,304	$	(6,494	)	$	864,226	$	593,670	$	27,285	$	(1,338	)	$	619,617
Total securities	$	2,444,387	$	32,779	$	(18,282	)	$	2,458,884	$	1,506,520	$	39,056	$	(8,535	)	$	1,537,041

Schedule of Fair Value of Available-for-sale and Held-to-maturity Securities by Contractual Maturity

The following table presents the fair value of available-for-sale and held-to-maturity securities by contractual maturity at June 30, 2015. In some instances, the issuers may have the right to call or prepay obligations without penalty prior to the contractual maturity date.

	June 30, 2015
(unaudited, in thousands)	One Year or less		One to Five Years		Five to Ten Years		After Ten Years		Mortgage-backed and Equity		Total
Available-for-sale
Obligations of government agencies	$	—	$	25,230	$	38,977	$	16,830	$	—	$	81,037
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)		—		—		—		—		1,232,422		1,232,422
Obligations of states and political subdivisions		4,745		31,657		27,147		29,222		—		92,771
Corporate debt securities		82,862		56,218		33,344		4,890		—		177,314
Equity securities (2)		—		—		—		—		11,114		11,114
Total available-for-sale securities	$	87,607	$	113,105	$	99,468	$	50,942	$	1,243,536	$	1,594,658
Held-to-maturity (3)
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies (1)	$	—	$	—	$	—	$	—	$	121,924	$	121,924
Obligations of states and political subdivisions		1,877		27,296		319,753		383,788		—		732,714
Corporate debt securities		—		1,010		8,578		—		—		9,588
Total held-to-maturity securities	$	1,877	$	28,306	$	328,331	$	383,788	$	121,924	$	864,226
Total securities	$	89,484	$	141,411	$	427,799	$	434,730	$	1,365,460	$	2,458,884

⁽¹⁾ Mortgage-backed and collateralized mortgage securities, which have prepayment provisions, are not assigned to maturity categories due to fluctuations in their prepayment speeds.

⁽²⁾ Equity securities, which have no stated maturity, are not assigned a maturity category.

⁽³⁾  The held-to-maturity portfolio is carried at an amortized cost of $848.4 million.

Schedule of Gross Realized Gains and Losses on the Sales and Calls of Securities

The following table presents the gross realized gains and losses on sales and calls of securities for the three and six months ended June 30, 2015 and 2014, respectively.

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(unaudited, in thousands)	2015			2014			2015			2014
Gross realized gains	$	2		$	170		$	26		$	365
Gross realized losses		(2	)		(5	)		(4	)		(190	)
Net realized gains (losses)	$	—		$	165		$	22		$	175

Schedule of Unrealized Losses on Investment Securities

The following tables provide information on unrealized losses on investment securities that have been in an unrealized loss position for less than twelve months and twelve months or more as of June 30, 2015 and December 31, 2014:

	June 30, 2015
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	37,435	$	(295	)		9	$	—	$	—			—	$	37,435	$	(295	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		755,016		(7,346	)		138		164,273		(4,869	)		33		919,289		(12,215	)		171
Obligations of states and political subdivisions		299,339		(4,629	)		415		21,889		(729	)		33		321,228		(5,358	)		448
Corporate debt securities		93,533		(318	)		27		4,890		(96	)		2		98,423		(414	)		29
Total temporarily impaired securities	$	1,185,323	$	(12,588	)		589	$	191,052	$	(5,694	)		68	$	1,376,375	$	(18,282	)		657
	December 31, 2014
	Less than 12 months							12 months or more							Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses			# of Securities
Obligations of government agencies	$	19,362	$	(77	)		5	$	19,757	$	(238	)		4	$	39,119	$	(315	)		9
Residential mortgage-backed securities and collateralized mortgage obligations of government agencies		78,786		(386	)		19		240,055		(6,618	)		43		318,841		(7,004	)		62
Obligations of states and political subdivisions		12,615		(96	)		15		61,548		(952	)		93		74,163		(1,048	)		108
Corporate debt securities		2,969		(31	)		1		4,573		(137	)		2		7,542		(168	)		3
Total temporarily impaired securities	$	113,732	$	(590	)		40	$	325,933	$	(7,945	)		142	$	439,665	$	(8,535	)		182

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Commitments and Contingent Liabilities (Tables)

6 Months Ended

Jun. 30, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments to Extend Credit, Guarantees and Various Letters of Credit Outstanding

The following table presents total commitments to extend credit, guarantees and various letters of credit outstanding:

	June 30,		December 31,
(unaudited, in thousands)	2015		2014
Lines of credit	$	1,111,712	$	984,352
Loans approved but not closed		333,624		116,757
Overdraft limits		107,619		95,965
Letters of credit		26,295		23,362
Contingent obligations to purchase loans funded by other entities		9,324		8,312

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Loans and the Allowance for Credit Losses - Summary of Impaired Loans (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	$ 61,886		$ 61,886		$ 45,474
Total impaired loans, Unpaid principal balance	75,230		75,230		55,296
Recorded Investment, With no specific allowance recorded	49,122		49,122		41,062
Total impaired loans, Recorded investment	61,162		61,162		50,884
Unpaid Principal Balance, With a specific allowance recorded	13,344		13,344		9,822
Recorded Investment, With a specific allowance recorded	12,040		12,040		9,822
Related Allowance, With a specific allowance recorded	3,912		3,912		3,798
Average recorded investment, with no related specific allowance	49,798	$ 47,009	46,885	$ 47,744
Interest income recognized, With no related specific allowance	573	446	1,095	729
Average recorded investment, With a specific allowance recorded	10,138	3,264	10,032	2,933
Interest income recognized, With a specific allowance recorded	174	32	193	45
Total impaired loans, Average recorded investment	59,936	50,273	56,917	50,677
Total impaired loans, Interest income recognized	747	478	1,288	774
Commercial Real Estate - Land and Construction [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	2,711		2,711		1,588
Recorded Investment, With no specific allowance recorded	2,509		2,509		1,488
Average recorded investment, with no related specific allowance	2,493	2,143	2,158	2,283
Interest income recognized, With no related specific allowance	2	13	18	15
Commercial Real Estate - Improved Property [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	28,520		28,520		16,480
Recorded Investment, With no specific allowance recorded	21,001		21,001		14,684
Unpaid Principal Balance, With a specific allowance recorded	7,511		7,511		7,980
Recorded Investment, With a specific allowance recorded	7,511		7,511		7,980
Related Allowance, With a specific allowance recorded	2,891		2,891		2,765
Average recorded investment, with no related specific allowance	21,741	18,572	19,389	18,924
Interest income recognized, With no related specific allowance	240	133	463	153
Average recorded investment, With a specific allowance recorded	6,989	727	7,319	727
Interest income recognized, With a specific allowance recorded	56	3	56	4
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	5,926		5,926		3,152
Recorded Investment, With no specific allowance recorded	3,461		3,461		2,597
Unpaid Principal Balance, With a specific allowance recorded	5,833		5,833		1,842
Recorded Investment, With a specific allowance recorded	4,529		4,529		1,842
Related Allowance, With a specific allowance recorded	1,021		1,021		1,033
Average recorded investment, with no related specific allowance	2,947	4,122	2,830	3,831
Interest income recognized, With no related specific allowance	49	57	62	89
Average recorded investment, With a specific allowance recorded	3,149	2,537	2,713	2,206
Interest income recognized, With a specific allowance recorded	118	29	137	41
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	19,914		19,914		20,077
Recorded Investment, With no specific allowance recorded	17,967		17,967		18,544
Average recorded investment, with no related specific allowance	18,550	18,864	18,548	19,272
Interest income recognized, With no related specific allowance	235	209	465	391
Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	3,293		3,293		2,890
Recorded Investment, With no specific allowance recorded	2,995		2,995		2,663
Average recorded investment, with no related specific allowance	2,806	2,173	2,758	2,284
Interest income recognized, With no related specific allowance	21	16	41	35
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With no specific allowance recorded	1,522		1,522		1,287
Recorded Investment, With no specific allowance recorded	1,189		1,189		$ 1,086
Average recorded investment, with no related specific allowance	1,261	1,135	1,202	1,150
Interest income recognized, With no related specific allowance	$ 26	$ 18	$ 46	$ 46

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Loans and the Allowance for Credit Losses - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2015 USD ($) Contract	Feb. 10, 2015 USD ($)	Dec. 31, 2014 USD ($)
Financing Receivable, Recorded Investment [Line Items]
Deferred loan fees and costs	$ 1,700,000		$ 2,400,000
Aggregate amount of residential real estate, home equity and consumer loans classified as substandard	15,300,000		15,200,000
Internally assigned loan grades to residential real estate, home equity and consumer loans	2,300,000		2,200,000
Book value of acquired loans	716,200,000
Fair value of acquired loans	700,900,000
Loans acquired accretable	1,600,000	$ 1,900,000
Book value, acquired loans with deteriorated credit quality	16,100,000
Contractually required payments, acquired loans with deteriorated credit quality	21,700,000
Fair value of acquired loans with deteriorated credit quality	10,800,000
Accretion, recognized in interest income, on acquired impaired loans	300,000
Certain loans acquired in transfer not accounted for as debt securities acquired during period at acquisition non accrual	8,500,000
Certain loans acquired in transfer not accounted for as debt securities acquired during period at acquisition accrual amount	1,500,000
Deteriorated credit quality loans acquired non-accretable difference	9,000,000
Allowance for loan losses related to the acquired impaired loans	$ 0
Non-accrual status period	90 days
Number of restructured contracts greater than $1 million | Contract	2
Accruing and non accrual TDR permitted interest-only payment period	3 months
Unfunded commitments to debtors for impaired loans	$ 1,300,000		0
Other real estate owned	5,912,000		4,920,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Balance loans acquired with deteriorated credit quality	$ 10,000,000
Maximum [Member]
Financing Receivable, Recorded Investment [Line Items]
Percentage of TDRs defaulted during the period that were restructured within the last twelve months	1.00%
Performing Acquired Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Fair value of acquired loans	$ 690,100,000
Loans acquired accretable	10,000,000
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Other real estate owned	1,900,000		$ 600,000
Foreclosure proceedings in process on residential real estate loans	$ 3,600,000

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Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Deferred Benefits for Directors [Member]
Beginning Balance at Dec. 31, 2013	$ 746,595	$ 61,182	$ 244,974	$ 460,351	$ (5,969)	$ (12,734)	$ (1,209)
Beginning Balance, shares at Dec. 31, 2013		29,175,236
Net income	35,296			35,296
Other comprehensive income	7,341					7,341
Comprehensive income	42,637
Common dividends declared ($0.46 and $0.44 per share in June 30, 2015 and 2014 respectively)	(12,861)			(12,861)
Treasury shares acquired	(20)		49		(69)
Treasury shares acquired, shares		(2,258)
Stock options exercised	1,658		(311)		1,969
Stock options exercised, shares		63,393
Restricted stock granted			(1,321)		1,321
Restricted stock granted, shares		42,554
Stock compensation expense	616		616
Deferred benefits for directors- net			22				(22)
Ending Balance at Jun. 30, 2014	778,625	$ 61,182	244,029	482,786	(2,748)	(5,393)	(1,231)
Ending Balance, shares at Jun. 30, 2014		29,278,925
Beginning Balance at Dec. 31, 2014	788,190	$ 61,182	244,661	504,578	(2,151)	(18,825)	(1,255)
Beginning Balance, shares at Dec. 31, 2014		29,298,188
Net income	35,512			35,512
Other comprehensive income	(2,877)					(2,877)
Comprehensive income	32,635
Common dividends declared ($0.46 and $0.44 per share in June 30, 2015 and 2014 respectively)	(17,702)			(17,702)
Shares issued for acquisition	293,629	$ 19,122	274,507
Shares issued for acquisition, shares		9,178,531
Treasury shares acquired	(1,638)				(1,638)
Treasury shares acquired, shares		(50,224)
Stock options exercised	1,173		(223)		1,396
Stock options exercised, shares		44,125
Restricted stock granted			(1,526)		1,526
Restricted stock granted, shares		48,550
Repurchase of stock warrant	(2,247)		(2,247)
Stock compensation expense	613		613
Deferred benefits for directors- net			1,205				(1,205)
Ending Balance at Jun. 30, 2015	$ 1,094,653	$ 80,304	$ 516,990	$ 522,388	$ (867)	$ (21,702)	$ (2,460)
Ending Balance, shares at Jun. 30, 2015		38,519,170

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Earnings Per Common Share

6 Months Ended

Jun. 30, 2015

Earnings Per Share [Abstract]

Earnings Per Common Share

NOTE 3. EARNINGS PER COMMON SHARE

Earnings per common share are calculated as follows:

	For the Three Months Ended				For the Six Months Ended
	June 30,				June 30,
(unaudited, in thousands, except shares and per share amounts)	2015		2014		2015		2014
Numerator for both basic and diluted earnings per common share:
Net income	$	21,633	$	18,875	$	35,512	$	35,296
Denominator:
Total average basic common shares outstanding		38,472,229		29,242,180		36,443,951		29,212,347
Effect of dilutive stock options and warrant		59,471		79,747		60,720		81,077
Total diluted average common shares outstanding		38,531,700		29,321,927		36,504,671		29,293,424
Earnings per common share - basic	$	0.56	$	0.65	$	0.97	$	1.21
Earnings per common share - diluted	$	0.56	$	0.64	$	0.97	$	1.20

All stock options outstanding were included in the computation of diluted earnings per share for the three and six months ended June 30, 2015 and 2014, respectively, as all were considered dilutive.

On February 10, 2015, WesBanco issued 9,178,531 shares to complete its acquisition of ESB. These shares are included in average shares outstanding beginning on that date. For additional information relating to the ESB acquisition, refer to Note 2, “Mergers and Acquisitions.”

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Fair Value Measurement - Schedule of Assets Measured at Fair Value on Nonrecurring Basis (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Other real estate owned and repossessed assets	$ 6,168	$ 5,082
Nonrecurring Fair Value Measurements [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Impaired loans	8,128	6,024
Other real estate owned and repossessed assets	6,168	5,082
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring Fair Value Measurements [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Impaired loans	8,128	6,024
Other real estate owned and repossessed assets	$ 6,168	$ 5,082
Minimum [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Impaired loans, Appraisal adjustments	0.00%	0.00%
Impaired loans, Liquidation expenses	(2.90%)	(1.20%)
Maximum [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Impaired loans, Appraisal adjustments	(42.20%)	(39.70%)
Impaired loans, Liquidation expenses	(8.00%)	(8.00%)
Weighted Average [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Impaired loans, Appraisal adjustments	(16.60%)	(6.70%)
Impaired loans, Liquidation expenses	(6.70%)	(6.70%)

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Business Segments (Tables)

6 Months Ended

Jun. 30, 2015

Segment Reporting [Abstract]

Financial Information by Business Segment

Condensed financial information by business segment is presented below:

(unaudited, in thousands)	Community Banking		Trust and Investment Services		Consolidated
For the Three Months ended June 30, 2015:
Interest income	$	66,729	$	—	$	66,729
Interest expense		5,936		—		5,936
Net interest income		60,793		—		60,793
Provision for credit losses		2,681		—		2,681
Net interest income after provision for credit losses		58,112		—		58,112
Non-interest income		12,596		5,476		18,072
Non-interest expense		43,568		3,021		46,589
Income before provision for income taxes		27,140		2,455		29,595
Provision for income taxes		6,980		982		7,962
Net income	$	20,160	$	1,473	$	21,633
For the Three Months ended June 30, 2014:
Interest income	$	54,044	$	—	$	54,044
Interest expense		5,737		—		5,737
Net interest income		48,307		—		48,307
Provision for credit losses		849		—		849
Net interest income after provision for credit losses		47,458		—		47,458
Non-interest income		13,031		5,210		18,241
Non-interest expense		37,367		2,937		40,304
Income before provision for income taxes		23,122		2,273		25,395
Provision for income taxes		5,611		909		6,520
Net income	$	17,511	$	1,364	$	18,875
For the Six Months ended June 30, 2015:
Interest income	$	127,117	$	—	$	127,117
Interest expense		11,360		—		11,360
Net interest income		115,757		—		115,757
Provision for credit losses		3,970		—		3,970
Net interest income after provision for credit losses		111,787		—		111,787
Non-interest income		24,725		11,529		36,254
Non-interest expense		93,863		6,184		100,047
Income before provision for income taxes		42,649		5,345		47,994
Provision for income taxes		10,344		2,138		12,482
Net income	$	32,305	$	3,207	$	35,512
For the Six Months ended June 30, 2014:
Interest income	$	107,501	$	—	$	107,501
Interest expense		11,870		—		11,870
Net interest income		95,631		—		95,631
Provision for credit losses		3,048		—		3,048
Net interest income after provision for credit losses		92,583		—		92,583
Non-interest income		24,432		10,858		35,290
Non-interest expense		74,193		6,205		80,398
Income before provision for income taxes		42,822		4,653		47,475
Provision for income taxes		10,318		1,861		12,179
Net income	$	32,504	$	2,792	$	35,296

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Securities - Schedule of Fair Value of Available-for-Sale and Held-to-Maturity Securities by Contractual Maturity (Parenthetical) (Detail) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized Cost and Fair Value Debt Securities [Abstract]
Held-to-maturity, Amortized Cost	$ 848,416	$ 593,670

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Earnings Per Common Share (Tables)

6 Months Ended

Jun. 30, 2015

Earnings Per Share [Abstract]

Summary of Earnings Per Common Share

Earnings per common share are calculated as follows:

	For the Three Months Ended				For the Six Months Ended
	June 30,				June 30,
(unaudited, in thousands, except shares and per share amounts)	2015		2014		2015		2014
Numerator for both basic and diluted earnings per common share:
Net income	$	21,633	$	18,875	$	35,512	$	35,296
Denominator:
Total average basic common shares outstanding		38,472,229		29,242,180		36,443,951		29,212,347
Effect of dilutive stock options and warrant		59,471		79,747		60,720		81,077
Total diluted average common shares outstanding		38,531,700		29,321,927		36,504,671		29,293,424
Earnings per common share - basic	$	0.56	$	0.65	$	0.97	$	1.21
Earnings per common share - diluted	$	0.56	$	0.64	$	0.97	$	1.20