F.N.B. Corporation Financials


F.N.B. Corporation has total assets of $8,282 million and year-to-date net operating income of $57 million. F.N.B. Corporation financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	3,909	47.20%	4,750,985	34.90%
1-4 Family Residential Mortgages	1,843	22.25%	2,754,199	20.23%
First Lien	1,290	15.57%	1,864,576	13.70%
Second Lien	272	3.28%	237,504	1.74%
Home Equity Lines	282	3.40%	652,119	4.79%
Multifamily Residential	27	0.32%	205,193	1.51%
Nonfarm Residential	1,726	20.84%	1,043,393	7.66%
Construction and Development	276	3.33%	617,055	4.53%
Farmland Loans	37	0.45%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	1,024	12.37%	1,510,091	11.09%
Loans to Individuals	610	7.37%	1,082,731	7.95%
Credit Cards	0	0.00%	411,627	3.02%
Farm Loans	10	0.12%	59,656	0.44%
Other Loans and Leases	193	2.33%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	5,747	69.39%	8,000,084	58.77%
Less: Reserve for Losses	68	0.83%	156,065	1.15%
Net Loans and Leases	5,679	68.56%	7,844,019	57.62%
Securities	1,330	16.06%	2,027,739	14.90%
Other Real Estate Owned	13	0.16%	22,966	0.17%
Goodwill and Intangibles	562	6.79%	484,178	3.56%
All Other Assets	698	8.43%	3,207,062	23.56%
Total Assets	$8,282	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	6,151	74.26%	8,749,418	64.27%
Domestic Deposits	6,151	74.26%	7,230,058	53.11%
Transaction Accounts	826	9.97%	809,200	5.94%
Nontransaction Accounts	5,325	64.29%	6,420,965	47.17%
Money Market	2,404	29.02%	2,798,868	20.56%
Other Savings Accounts	608	7.34%	841,348	6.18%
Time Deposits	2,314	27.93%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	463	5.59%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	1	0.01%	176,833	1.30%
Other Borrowed Funds	525	6.34%	1,684,829	12.38%
All Other Liabilities	65	0.79%	401,428	2.95%
Equity Capital	1,077	13.01%	1,307,097	9.60%
Total Liabilities and Capital	$8,282	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	281	4.52%	487,019	4.77%
Total Interest Expense	109	1.75%	207,949	2.04%
Net Interest Income	172	2.77%	279,070	2.73%
Provision for Loan and Lease Losses	17	0.28%	124,517	1.22%
Total Noninterest Income	68	1.10%	175,521	1.72%
Total Noninterest Expense	143	2.30%	274,323	2.69%
Salaries and Benefits	75	1.21%	122,518	1.20%
Premises and Equipment Expense	22	0.36%	33,971	0.33%
Additional Noninterest Expense	45	0.73%	117,834	1.15%
Securities Gains (Losses)	1	0.01%	-8,037	-0.08%
Applicable Income Taxes	23	0.38%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	58	0.93%	32,569	0.32%
Cash Dividends, Net	61	0.98%	42,592	0.42%
Retained Earnings	-3	-0.05%	-10,023	-0.10%
Net Operating Income	$57	0.92%	$37,457	0.37%

* Annualized

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