Northwest Bancshares, Inc. is a savings and loan holding company. The primary activity of the Company is the ownership of all of the issued and outstanding common stock of Northwest Savings Bank, a chartered savings bank (Northwest). As of December 31, 2012, Northwest Savings Bank operated 165 community-banking offices throughout its market area in central and western Pennsylvania, western New York, eastern Ohio and Maryland. The Company operates in two segments: Community Banking and Consumer Finance. The Community Banking segment includes its savings bank subsidiary, Northwest Savings Bank, as well as the subsidiaries of the savings bank that provide similar products and services. The Consumer Finance segment is comprised of Northwest Consumer Discount Company, a subsidiary of Northwest Savings Bank.