ISOS'A u :_;•' The right time. The right place. 2007 Annual Report Filings SorvkJSS IVIAR 1 9 2008 1-800-969-4121 1 Bancorp SNL Financial, LC , ^ CS D 3 T l C 0 rp I n c. is a financial holding conipany with $1.9 billion in assets and is h,.„. Peoples Bank, the holding company's principal operating subsidiary, provides a comprehensive suite of financial services through 50 offices in Ohio, West Virginia and Kentucky, as well as through telephone and Internet banking channels, plus a network of 38 ATMs. More than : 600 dedicated Peoples Bancorp associates deliver commercial and consumer banking, mortgage lending, personal lending, investment management, brokerage and trust services, together with a full range of life, health, property and casualty insurance products. Peoples Bancorp's common shares are traded on the NASDAQ Global Select Market under the symbol PEBO. ilnancial Highlights : Dollars in Thousands, except Per Share Data 2007 2006 2005 KarniJii's and Dividends Net income Total revenues'" Dividends declared Dividend payout ratio Per Share Data Earnings per share - Basic Earnings per share - Diluted Cash dividends Book value at end of period $18,314 $85,271 $ 9,226 $21,558 $83,596 $ 8,859 50.38% 41.09% $ 1.75 $ 1.74 $ 0.88 $19.70 $ 2.03 $ 2.01 $ 0.83 $18.51 $12.05 $29.70 $20,499 $80,776 $ 8,201 40.0r $ 1.96 $ 1.94 S 0.78 $17.40 $10.82 $28.53 Tangible book value at end of period i^' $13.09 Closing stock price $24.89 Performance Ratios Return on average assets Return on average stockholders' equity Net interest margin Efficiency ratio '^^ At Year End: Totalassets 0.98% 9.21 % 3.32% 11.33% 57.07% 57.51% 11.52% 3.32% 59.05% $1,885,553 $1,875,255 $1,855,277 Total investment securities $ 565,463 $ 548,733 $ 589,313 Gross loans Total deposits Stockholders'equity Market capitalization Trust & brokerage assets under management $1,120,941 $1,117,885 $1,057,156 $1,186,377 $1,233,529 $1,089,286 $ 202,836 $ 197,169 $ 183,077 $ 256,286 $ 316,364 $ 300,106 $ 1,021,393 $ 932,362 $ 852,473 (1) Net interest income and non-interest income. (2) Tangible bool< value per share reflects capital calculated for banking regulatory requirements and excludes balance sheet impact of intangible assets acquired through purchase accounting and acquisitions. (3) Non-interest expense (less intangible amortization) as a percentage of fully-tax equivalent net interest income plus non-interest incoi Peoples Bancorp (with logo)* is a federally registered service mark of Peoples Bancorp Inc. Peoples Bank (with logo)" is a federally registered service mark of Peoples Bancorp Inc. Peoples Financial Advisors (with logo)" is a federally registered service mark of Peoples Bank, National Association. Total Revenues $83,596 $80,776 1 ^^ -.^^ s S^ Recent years have seen th^ financial services industry radically reshaped^'by waves of change on many levels: structural, cultural and technological. Through it all. Peoples " Bancorp has steadfastly adhered to its mission. Our intense focus on extraordinary customer service and our tangible commitment to the immunities we serve have yielded consistent growth, expansion into new markets and a^ " * " • • • " "• ^ Clearly, new waves of change - new, market uncertainty - lie ahead. Just af ci there is a distinct advantage in partnering "'•*'^ a solid, community-based financial instituti^ that offers a far-reaching array of integrated banking, insurance, investment and wealth management services. For the individual or company thinking about establishing or expanding a relationship with a strong financial partner, now is the right time... and Peoples Bancorp is the right place. Peoples Bancorp The right time. The right place. Dear Shareholder, The year 2007 was a challenging time for the financial services industry The news continues to flow from a vanety of sources, from the meltdown in the mortgage industry, to uncertainty about loan quality, to threats of an economic recession, to wnte-downs in values of assets and investments, to rapid changes in Interest rates, etc. As a result, generally earnings dropped, financial services stock prices tumbled, opportunities for revenue growth became hard to find, and the regulatory burden intensified. While Peoples Bancorp successfully avoided many of the issues that negatively impacted our industry we were unable to avoid all of them. For the year ended December 31, 2007, Peoples Bancorp earned net income of $18.3 million or $1.74 per share, compared to $21.6 million and $2.01 per share in 2006. Despite solid earnings from normal operations In 2007, net income was negatively impacted by other-than-temporary impairment charges to certain investment securities that reduced after-tax earnings by $4.0 million. The lower market values of these Investments, which include Fannie Mae and Freddie Mac preferred stocks, caused write-downs due to increased nsks within the broader credit market and erratic market liquidity. These events and the related charges overshadowed the favorable resolution of a tax dispute with the State of Ohio regarding state tax filings going back to 2001. The resolution of the tax issues caused a $508,000 after tax reduction to our franchise taxes and therefore positively impacted earnings. We are pleased to report the state's audit has been concluded. Although Peoples Bancorp's earnings were lower than expected, we continued to move forward on key strategic action items that enhance our ability to succeed in the long-term. I will touch on key action items later, but first I would like to take a deeper look at our financial results, which were fundamentally solid despite the non-cash write-downs In market values of some Investments. We experienced success from customer-driven strategies Implemented to grow revenues. Both net interest income and non-interest income expanded in 2007, as those revenues increased $1.7 million, D i v i d e n ds p er S h a re $0 88 while operating expenses only grew by $150,000. Peoples Bancorp also grew dividends by 6% and repurchased 464,000 shares of our stock $0.83 throughout the year. We are proud to say that our record of Increasing dividends now stands at 42 consecutive years. With all of the turmoil In the financial services industry It Is important that $0.78 shareholders recognize the strength of our capital and improvement in our tangible equity to tangible assets ratio, which was 7.30% at year-end 2007 compared to 7.15% at year-end 2006. Your company remains well capitalized. Despite good loan growth late in the year, total loan balances for the year were down slightly from year-end 2006, due primanly to significant commercial loan payoffs. Our strategies for 2008 focus on new approaches to small business lending and how we serve that important segment of our business, which should lead to quality loan growth in the long-term. ^CJ9 »C>^ '^^ "Personalized delivery of service and attention to detail, combined with our comprehensive offering of financial services, creates our unique competitive advantage." One significant area of concern for the financial services industry and the market in general Is loan quality. We believe the fundamental quality on which our loan portfolio was built is a strength of Peoples Bancorp when compared to peers. At December 31,2007, nonperforming loans comprised 0.83% of total loans, while our loan loss reserve grew $1.2 mililon in 2007 and now stands at 1.40% of total loans. Our strategy for 2008 focuses on loan "quality" vs. "quantity." I am pleased to report that net interest margin improved in 2007, up from 3.29% in 2006 to 3.32% for the full year of 2007, Recent interest rate cuts by the Federal Reserve should have a positive Impact on our net interest margin, and we began to see that impact In the fourth quarter of 2007 when quarterly net Interest margin improved to 3.40%. However, the speed and depth of the interest rate cuts could also have a negative impact on net interest margin in 2008 as investment securities are called and loans reprice lower and faster than deposits. We are cautiously optimistic that net interest margin and net interest income will show improvement In 2008, but market conditions make the amount and timing of these estimates difficult to forecast. To mitigate the impact of the unpredictability of interest rates, we have diversified and grown other revenue sources. In 2007, non-interest revenue grew $1 million over last year, and comprised 37% of our total revenues in 2007. Most of our growth came from additional debit card Income and especially stellar performance by our Peoples Financial Advisors group, which grew revenues 17% compared to 2006, due mostly to growth from new client relationships and further penetration of our client base. Our strategy is to create an integrated sales and service offering that adds more clients in our markets, allowing us to use those profits to plow into markets where expansion makes sense. We do this through energized people dedicated to serving others, combined with technology designed to enhance the client relationship. We continue efforts to gain more business In our markets, especially from our current customer base, while we make additional investments In communities where stronger growth prospects are more promising. In the fourth quarter of 2007, we expanded in Huntington, West Virginia, with a new office at the corner of First Street and Fifth Avenue. The full-service office offers an ATM and motor banking facilities. The new Huntington location adds convenience for our existing Huntington area customers. It also gives us the opportunity to reach many new clients with our full-service offenng of banking, insurance, investment and wealth management services, as sales and sen/ice associates with our Peoples Financial Advisors and Putnam Agency are located in the same place. The office provides clients with comprehensive solutions to financial needs, all In one location. In 2008, our expansion efforts will focus on markets such as Fairfield and Muskingum Counties in Ohio. We intend to continue analyzing all the markets we serve to determine the optimal use of our resources, and to concentrate on growth in expanding markets while maximizing efficiency in slower or no growth markets. We have realigned our leadership team with our strategic plan that focuses on client relationship-based sales and service - instead of specific product sales. Our core values are highlighted by our involvement and investments in our communities, which supporf the vitality of our markets. Personalized delivery of sen/ice and attention to detail, combined with our comprehensive offenng of financial services, creates our unique competitive advantage. In the financial services industry, capital is again important, consistency is a good thing, and steady earnings growth is the goal. We will be poised for acquisition opportunities and disciplined In our approach. Our family of companies, as seen below, focuses on sen/ing customers through a relationship-based approach, providing diversified financial solutions from wealth management to insurance to banking, making good loans, and "weathering the storm" against unpredictable market conditions. Now more than ever, the commitment we have made to our strategic initiatives is vital to our ability to deliver sustainable, long-term growth in earnings and dividends. Thank you for the confidence and support you have shown. We will continue to earn that support every day as we position Peoples Bancorp for 2008 and beyond. Sincerely Mark F Bradley President and Chief Executive Officer ^ 1 Peoples 'B^mmMf' D a n K. ti Bancorp f/j^ Peoples Financial A d v i s o r^ — JaSm JV / ^ i n v e s t m e nt services, innovation. insurance, : Fucnam The Putnam Agency B a r e n go M^/PooplBS I n s u r a n ce insurance Agency ^^ a division of Peoples Insuranco Agancy, Inc. S oK ^ f ^ ^V ^ subsidiary of Peoples Banlc ^^ ^ ^ m^ ^ M M § % d ^ f M ^ ^ t£ ^^ ^^ f %f ^ 9 ^i The right scnims... The right clothes... The right car... 1 B M '^ '•'"^ ' • ^ ' " ' ' ' " ®' '•''« '•«"''P'^^^e- TO/C Investing in a vital asset: OURBRAND The theme of this report and our current marketing campaign is a bold new expression of Peoples Bancorp's identity. It is designed to amplify our brand image-to strengthen current relationships.. .and build positive client perception of our full line of services. The right time creates urgency because nght now is the time for clients to take action to secure their financial future. The right place recommends Peoples Bancorp is the single best source for financial solutions. No promotional theme or branding effort in itself gains a larger share of the market. The key to our ability to grow market share is our winning team of talented associates. Our associates believe that the right time is now and that the right place is Peoples Bancorp. The results will be growth within our client base, new relationships, and ultimately increased revenue and shareholder value. ^•istimnxsiisu^j'fi-imm'.v The right time and the right place for A NEW FULL-SERVICE OFFICE IN HUNTINGTON, WV Our strategy favors investment in stable, thriving communities offering good prospects for sustained growth. Huntington, West Virginia certainly meets our criteria, which is why we acquired our first banking and insurance offices there several years ago and opened a brand new full service office in 2007. Response to our presence in Huntington has been very positive, confirming our belief that this community of hard-working, resourceful and value-minded people provides an ideal growing environment for Peoples Bancorp. Our new office occupies a handsome, two-story brick building at the corner of First Street and Fifth Avenue - a prime, high-traffic location. The entire mix of our commercial and consumer products and services is available In this well designed financial sen/ices center, which comprises a spacious lobby with state-of-the-art client service areas, a drive-up ATM and a motor banking facility with extended hours for total customer convenience. Seasoned staff members representing Peoples Financial Advisors and Putnam Agency are on hand for clients who need investment and insurance as well as traditional banking services. Peoples Financial Advisors SURPASSES BILLION DOLLAR BENCHMARK Increasing numbers of high net worth individuals, institutions and businesses are placing their confidence and trust in Peoples Financial Advisors. As evidence of this trust, the division achieved a significant milestone In 2007, passing the $1 billion mark in assets under management. Clients have discovered that they can turn to Peoples Financial Advisors for all of their financial planning needs through one convenient source. Our approach to comprehensive wealth management allows our clients the peace of mind that comes with knowing their financial advisor has access to In-house professionals that are a valuable resource in portfolio management, trust services, financial planning, asset preservation and employer retirement plans. Our professional advice and guidance, along with the easy access to account information through strong and secure technology has made it easy for clients to endorse our services by giving us more of their assets to manage, resulting in the growth of Peoples Financial Advisors. The right time. The right place. Photo courtesy of the Herald Dispatcli Photographer Chris Harris An unrivaled record of INVESTMENT AND INVOLVEMENT IN OUR COMMUNITIES Remarkable energy and uncommon concern for others motivate our more than 600 associates to operate on a higher level. The same energy and concern make us outstanding contributors of our time and talents to the communities we serve. In 2007, Peoples associates volunteered more than 50,000 hours to charities, civic events and other worthwhile causes in communities served by our offices. Peoples is a major local sponsor of many of these projects, such as... • The Paramount Woman's Association Annual Great Bowls of Fire Chillfest a regional International Chili Society sanctioned cook-off; • Relay for Life, an upbeat annual event that celebrates survivorship and raises funds for research and programs for the local chapter of the American Cancer Society; and • The Annual Wheelchair Basketball Game, a fundraiser for various charities in partnership with a local hospital's rehabilitation center. And there are many other volunteer activities - from involvement in the American Heart Association Heart Walk, the March of Dimes, and the Alzheimer's Association Memory Walk campaigns.. .to sponsoring Coats for Kids and Toys for Tots.. .to coaching youth league clubs and working countless hours in area schools. As a financial services company we invest more than $600,000 in our communities. But our associates go well beyond that. We enrich our communities with a spirit of generous self-giving that money can't buy A gem of a story... DOING THE RIGHT THING Community Member, Twenty-seven years ago, following the death of her husband Charles, Iva Haubiel of Baltimore, Ohio, thought that she removed all of the contents of the safe deposit box they had rented at the local bank, returned the keys and closed the account. Peoples acquired that local bank branch in 1996, and until a few months ago the safe deposit box had gone unrented. The safe deposit box was being examined prior to being rented and a small box, tucked away in the corner, was found. The box contained several pieces of precious jewelry including a locket with a child's photo, and a wedding ring engraved with the date of February 26,1927. There was no telling to whom these items belonged, since there were no records of the previous bank's safe deposit box renters. Selling the jewelry as unclaimed property and sending proceeds of the sale to the State of Ohio would have been the normal business procedure. However, there was nothing normal about this discovery and Peoples associates were Photo courtesy of The Marietta Times Photographer Mitch Casey determined to find the rightful owner of these heirlooms. Peoples hired a private investigator and through a search of probate records were able to locate Ms. Haubiel, now a vibrant 100 years young. Peoples joyfully reunited her with the heirlooms she had cherished and thought were lost, including the ring she had given her late husband as an anniversary gift. This story illustrates the willingness and ability of our associates to think "outside the box." But more than that, it explains the essence of our core values...that doing the right thing makes a significant difference in people's lives or can simply make someone's day a little bit brighter. OUR CORE VALUES Peoples Bancorp's enviable growth has been steady with each corporate component enhancing and extending the full blend of financial services needed by our customers. Our growth is a clear reflection of our core values: CLIENTS AS A FOCUS • COMMITMENT TO COMMUNITIES BUSINESS WITH INTEGRITY • TRUST AMONG CLIENTS, COMMUNITIES AND ASSOCIATES CONTINUOUS WILL TO WIN • DEVELOPMENT OF ASSOCIATE SKILLS The right time. The right place. Peoples Bancorp Inc. Directors Peoples Bancorp Inc. Officers Peoples Bank Directors DAVE M.ARCHER Presidem Pioneer Pipe, Inc. LARRY J. ARMSTRONG Retired Armstrong and Smith, C.P.A. MARK F BRADLEY President and ChlefExecutive Officer Peoples Bancorp Inc. and Peoples Bank GEORGE W. BROUGHTON Owner and President Broughton Commercial Properties, LLC GWB Specialty Foods, LLC GWB Oil & Gas. LLC George Broughton Family LLC WILFORD D. DIMIT Vice Chairman Presidem First Settlement Inc. BRENDA F JONES, M.D. Meaicai Oirector Marietta Opthalmology Associates, Inc. DAVID L MEAD vice Presiaent of Business Affairs Otterbein College I PAT SAUBER Vice President T.C.K.S., Inc. PAUL! THEISEN Chairman of the Board Attorney - At i,iv' Ot Counsel to TheisenBrock JOSEPH H. WESEL President W.D.A., inc Peoples Bank Director Emeritus HAROLD D. LAUGHLIN CARL L. BAKER, JR. President and Chief Executive Officer B &N Coal, Inc. MARK F. BRADLEY President and Chief Executive Officer Peoples Bancorp Inc. and Peoples Bank GEORGE W. BROUGHTON Owner and Presiaent Broughton Commercial Properties, LLC GWB Specialty Foods, LLC GWB Oil & Gas, LLC George Broughton Family, LLC FRANK L. CHRISTY President Christy & Associates, Inc. WILFORD D. DIMIT President First Settlement, Inc. RICHARD FERGUSON Owner Ferguson Consulting, LLC DAVID L. MEAD Vice President of Business Affairs Otterbein College ROBERT W.PRICE Private Investor T PAT SAUBER Vice Presideiii T.C.K.S, Inc. FAULT THEISEN Vice Chairman/Leadership Director Attorney-At-Law OfCounsel to TheisenBrocl< JOSEPH H. WESEL Chairman of the Board President W.D.A., Inc. THOMAS J. WOLF Owner fi/lcDonatd's Restaurants Peoples Bancorp Inc. Directors Emeritus JEWELL BAKER BARTON S. HOLL NORMAN J. MURRAY FRED R. PRICE THOMAS C.VADAKIN MARK F BRADLEY President and ChlefExecutive Officer DEBORAH K. HILL Executive Vice President Consumer and Business Financial Services CAROLA.SCHNEEBERGER ChiefFinancial Officer, Treasurer and Executive Vice President Operations DAVID I WESEL Executive Vice President JOSEPHS. YAZOMBEK Executive Vice President Chief Lending Officer LARRY E. HOLDREN Executive Vice President Business and Corporate Development RHONDA L. MEARS General Cmmsei and Corporate Secretary JEFFREY A. BARAN Controller KAREN V CLARK Auditor AMY M. AUCH Assistant Corporate Secretary KAREN L. MILLS Assistant Corporate Secretary Peoples Bank Executive Officers MARK F BRADLEY President and Chief Executive Officer DEBORAH K. HILL Executive Vice President Consumer and Business Financial Services CAROLA.SCHNEEBERGER ChiefFinancial Officer and Treasurer Executive Vice President of Operations and Cashier DAViD I WESEL President Peoples Financial Advisors JOSEPHS. YAZOMBEK Executive Vice President Chief Lending Officer LARRY E. HOLDREN Executive Vice President Business and Corporate Development 10 Peoples Bank Officers (continued) KAREN V.CLARK Senior Vice President Auditor JOHN E. DAKESIAN Semoi Vice President Director of Human Resources MATTHEW C. EVANS Senm Vice President Director of Risk IVlanagement THOMAS R. GREATHOUSE Senior Vice President Commercial Lending JOHN G. HOCK Senior Vice President Commercial Lending CARL R.RAINES Senior Vice President Regional Manager PATRICK L.ARNOLD Vice President Commercial Lending MARKJ.AUGENSTEIN Vice President Operations JASON K. BAKER Vice Piesideni Commercial Lending JEFFREY A. BARAN Vice President Controller THOMAS E. BETZ Vice President Regional Sales Manager PATRICK W.BRYAN Vice President Commercial Lending NEAL S.CLARK Vice President Commercial Lending RONALD L CLOSE viCe i tcsioeni Peoples Financial Advisors KEVIN J. CONNORS viC^ tieoiueiii Commercial Lending LAURA J. COX Vice President Marketing ERIC E. ERB Vice President Peoples Financial Advisors JOSEPH R FLINN Vice President Personal Loan Manager MICHAEL B. lADEROSA Vice Piesideni Business Development Officer J. RICHARD LENTZ Vice Piesident Commercial Lending SUSAN L. CORCORAN Assistant Vice President CRM Manager STAC! B. MATHENEY Vice President and Sales Manager Peoples Financial Advisors TRINA K. CUMMINGS Assistant Vice Presiaent Peoples Financial Advisors PAMELA K.MGCAULEY Vice Piesident Secondary Mortgage Lending LANCE E. McCOMIS Wee Ptesident Employee Benefits and Trust Service Manager Peoples Financial Advisors RHONDA L. MEARS Vice President General Counsel ROSE C. NARDI Vice President Chief Investment Officer Peoples Financial Advisors STEPHEN L. NULTER Vice President Director of Information Technology DEBORAH L. ROBERTS Vice President Commercial Lending GEORGE K. SMALLEY \/irp Prp'^ifipnt viuu r 1 u j i u c t li Real Estate Loan Manager DENISE D.TERRELL Vice President Regional Sales Manager TINAM.WECKBACHER Vice President Peoples Financial Advisors JEFFREY D.WELCH Vice President Business Services DAVID B. BAKER Senior Financial Advisor Peoples Financial Advisors DAVID L. BAHEN Assistant Vice President BRENDA S. BAYLOR Assistant Vice President Compliance Officer DAVID L. BOWLES Assistant Vice President Collections Manager ROBERT D. (DAN) COFFILL Assistant Vice President Peoples Financial Advisors BARBARA J. CONLON Assistant Vice President Purchasing Manager SANDRA A. DELONG Assistant Vice President Business Services K. MICHELE ENOCH Assistant Vice President Home Loan Specialist DANIEL P FLANINGAN Assistant Vice President Director of Investments and Treasury V s c on HARRIS Assistant Vice President Peoples Financial Advisors JEFFREY D. (MICK) HOWELL Assistant Vice President Commercial Lending SAUNDRA N. KESTERSON Assisiani vice PtesiOern Customer Care CATHLEEN S. KNOX Assistant vice President Office Manager KATIE B. MAHHEWS Assistant Vice President Commercial Lending LARRY B. MILLER Assistant Vice President Office Manager KAREN L. MILLS Secretary of the Board MARY ANN MITCHELL Assistant Vice President Human Resources CATHERINE R. OGLE Assistant Vice President Home Loan Specialist DEBORAH A. RHOADES Assistant Vice President Peoples Financial Advisors LEANNA M. ROSS Assistant Vice President Peoples Financial Advisors KATHARINE M. SHERIDAN Assistant Vice President Trust Officer ROBYN A. STEVENS Assistant Vice President Loan Review JASONA.SUMAN Assistant Vice President Business Services JULIE L.THOMAS Assistant Vice President Deposit Operations SONDRAK.WENZEL Assistant Vice President Personal Lending MICHAEL J. YANICO Assistant Vice President Commercial Lending DOUGLAS G.ANKROM Manager of External Reporting AMY M. AUCH Assistant Secretary of the Board SHAUN A. KISER Investment Officer Peoples Financial Advisors CATHY M.LAWRENCE Education and Training Officer MARK I O'CONNOR Investment Officer Peoples Financial Advisors TERESA A. PYLES Security Officer CARLA. STANLEY Office Manager Peoples Insurance Agency Inc. MARK F.BRADLEY President JAMES H BARENGO Senior Vice Ptesident RANDALLT BARENGO Senior Vice President THOMAS G CHAFFIN 11 iv/ivir\o u. Ol IMI i 11* ^ p n i ni • --nt . . - • • .' ;i i j CI i l l /i DANA N. CONLEY Vice Prp^idpnt W ILrW 1 1 KfXJUJvi IL CLARENCE C. (JACK) MASSEY Vice President DAVID L. MITCHEM Vice President SCOnw.NEEDELS Vice President THOMAS C. PHIPPS Vice nesioent LAURA V.COVAULT Assistant Vice President CAROLASCHNEEBERGER Treasurer RHONDA L. MEARS Secretary U L i Ohio ATHENS COUNTY Athens Nelsonville The Plains BELMONT COUNTY Flushing FAIRFIELD COUNTY Baltimore Carroll Lancaster FRANKLIN COUNTY Westerville GALLIA COUNTY Gallipolis GUERNSEY COUNTY Byesville Cambridge Quaker City 12 West Virginia Kentucky MEIGS COUNTY Middleport Pomeroy Rutland MORGAN COUNTY M f. . NOBLE COUNTY Caldwell WASHINGTON COUNTY Beipre Lowell Lower Salem Marietta Reno CABELL COUNTY Huntington MASON COUNTY Point Pleasant WETZEL COUNTY New Martinsville Steelton WOOD COUNTY Parkersburg Vienna BOYD COUNTY Ashland Summit CARTER COUNTY Grayson GREENUP COUNTY Greenup Russell 1 'Bancorp The right time. The right place. stockholder Information stock Listing NASDAO Symbol: PEBO NASDAQ Global Select Market, CUSIP 709789101 Alternate Newspaper Listings: PEBOOH and PeBcOh Corporate Offices Peoples' headquarters Is located at: 138 Putnam Street, PO Box 738 Marietta, OH 45750-0738 Stocic: Transfer Agent, Registrar: Shareowner Services 161 N. Concord Exchange South St. Paul, MN 55075 (800)468-9716 www.shareowneronline.com General Sliareholder Inquiries: Peoples Bancorp Inc. Investor Relations phone number: (740) 374-6136 Attn: Investor Relations Website: www.peoplesbancorp.com 138 Putnam Street, POBox 738 Marietta, OH 45750-0738 Market Makers In Peoples Bancorp Inc. Stock: Sandler O'Neill & Partners (800) 635-6860 Goldman Sachs & Co. (800) 221-8320 Howe Barnes Investments, Inc. (800) 621-2364 Trident Securities (800) 340-6355 FN Financial Securities (888)801-3477 Moors & Cabot, Inc. (800) 426-0501 RBC Dain Rauscher Inc. (800)285-4964 Merrill Lynch (800) 937-0516 Morgan Stanley & Co., Inc. (800) 223-6559 Friedman Billings Ramsey & Co. (800) 688-3272 Sweney Cartwright & Company (800)334-7481 Parker/Hunter Inc. (800) 352-8070 Knight Securities LR (800)222-4910 Mission Keefe, Bruyette & Woods, Inc. (800) 342-5529 Our mission is to be the primary financial resource for our target clients. We grow these relationships by delivering trusted advice, extraordinary personal sen/ice, and a seamless, integrated suite of services that meets all their needs. Our target clients are businesses and consumers who value us as true financial partners. Our success depends on empowering our skilled and dedicated personnel to meet and exceed our clients' needs. We win by serving clients, supporting those who serve clients, and delivering a competitive return to our shareholders. We are a team and we are good teammates. We take care of our customers and we take care of each other. The right time. The right place. 1 Bancorp The right time. The right place. 138 Putnam Street • P.O. Box 738 • Marietta, Ohio 45750-0738 (800) 374-6123 • www.peoplesbancorp.com