First National Bank of Pennsylvania, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

F.N.B. Corporation is a registered New York Stock Exchange (NYSE) company publicly traded under the ticker symbol FNB. The company is a diversified financial services company that seeks to provide high quality services to individual and business customers in a manner that is consistent with a philosophy of personal service and a commitment to maximizing shareholder value.

F.N.B. Corporation is a leading provider of commercial and retail banking, leasing, wealth management, insurance, merchant banking, and consumer finance services in Pennsylvania and Ohio, where it owns and operates First National Bank of Pennsylvania, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, F.N.B. Capital Corporation, LLC, Regency Finance Company, and Bank Capital Services. It also operates consumer finance offices in Tennessee and Kentucky.

As of January 2010, F.N.B. Corporation employs approximately 2,700 staff members throughout its service area and has total assets of $9.6 billion.

F.N.B. Corporation
One F.N.B. Boulevard
Hermitage, PA 16148
800.555.5455