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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
 
FORM 10-Q  
(Mark One)
Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

For the quarterly period ended September 30, 2022
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 001-31940  
 
F.N.B. CORPORATION
(Exact name of registrant as specified in its charter) 
 
Pennsylvania25-1255406
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
One North Shore Center, 12 Federal Street, Pittsburgh, PA15212
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: 800-555-5455

(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  ☒    No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large Accelerated FilerAccelerated Filer
Non-accelerated FilerSmaller reporting company
Emerging Growth Company
1


If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No  ☒
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Exchange on which Registered
Common Stock, par value $0.01 per shareFNBNew York Stock Exchange
Depositary Shares each representing 1/40th interest in a
share of Fixed-to-Floating Rate Non-Cumulative Perpetual
Preferred Stock, Series E
FNBPrENew York Stock Exchange
  
APPLICABLE ONLY TO CORPORATE ISSUERS:
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
ClassOutstanding atOctober 31, 2022
Common Stock, $0.01 Par Value350,784,411 Shares
2


F.N.B. CORPORATION
FORM 10-Q
September 30, 2022
INDEX
 
 PAGE
PART I – FINANCIAL INFORMATION 
Item 1.Financial Statements
Item 2.
Item 3.
Item 4.
PART II – OTHER INFORMATION
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.
3



Glossary of Acronyms and Terms
Acronym
Description
Acronym
Description
ACL
Allowance for credit losses
HowardHoward Bancorp, Inc.
AFS
Available for sale
HTM
Held to maturity
ALCO
Asset/Liability Committee
LGD
Loss given default
AOCI
Accumulated other comprehensive income
LIBOR
London Inter-bank Offered Rate
ASC
Accounting Standards Codification
LIHTC
Low income housing tax credit
ASU
Accounting Standards Update
MD&A
Management's Discussion and Analysis of
Financial Condition and Results of Operations
AULC
Allowance for unfunded loan commitments
MSRs
Mortgage servicing rights
BOLI
Bank owned life insurance
OCC
Office of the Comptroller of the Currency
CARES Act
Coronavirus Aid, Relief and Economic Security Act
OREO
Other real estate owned
CECL
Current expected credit losses
PCD
Purchased credit deteriorated
CET1
Common equity tier 1
PPPPaycheck Protection Program
COVID-19
Novel coronavirus disease of 2019
R&S
Reasonable and Supportable
EVE
Economic value of equity
RRR
Reference Rate Reform
FASB
Financial Accounting Standards Board
SBA
Small Business Administration
FDIC
Federal Deposit Insurance Corporation
SEC
Securities and Exchange Commission
FHLB
Federal Home Loan Bank
SOFR
Secured Overnight Financing Rate
FNB
F.N.B. Corporation
TDR
Troubled debt restructuring
FNBPA
First National Bank of Pennsylvania
TPS
Trust preferred securities
FOMC Federal Open Market Committee
U.S.
United States of America
FRB
Board of Governors of the Federal Reserve
System
UST
U.S. Department of the Treasury
FTE
Fully taxable equivalent
VIE
Variable interest entity
GAAP
U.S. generally accepted accounting principles
4


PART I – FINANCIAL INFORMATION
 
ITEM 1.    FINANCIAL STATEMENTS

F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in millions, except share and per share data)
September 30,
2022
December 31,
2021
 (Unaudited) 
Assets
Cash and due from banks$458 $337 
Interest-bearing deposits with banks1,818 3,156 
Cash and Cash Equivalents2,276 3,493 
Debt securities available for sale (amortized cost of $3,760 and $3,416; allowance for credit losses of $0 and $0)
3,392 3,426 
Debt securities held to maturity (fair value of $3,349 and $3,506; allowance for credit losses of $0 and $0)
3,820 3,463 
Loans held for sale (includes $117 and $269 measured at fair value) (1)
149 295 
Loans and leases, net of unearned income of $13 and $36
28,780 24,968 
Allowance for credit losses on loans and leases(385)(344)
Net Loans and Leases28,395 24,624 
Premises and equipment, net421 345 
Goodwill2,435 2,262 
Core deposit and other intangible assets, net52 42 
Bank owned life insurance629 546 
Other assets1,021 1,017 
Total Assets$42,590 $39,513 
Liabilities
Deposits:
Non-interest-bearing demand$11,752 $10,789 
Interest-bearing demand15,251 14,409 
Savings3,991 3,669 
Certificates and other time deposits2,899 2,859 
Total Deposits33,893 31,726 
Short-term borrowings1,395 1,536 
Long-term borrowings1,059 682 
Other liabilities837 419 
Total Liabilities37,184 34,363 
Stockholders’ Equity
Preferred stock - $0.01 par value; liquidation preference of $1,000 per share
Authorized – 20,000,000 shares
Issued – 110,877 shares
107 107 
Common stock - $0.01 par value
Authorized – 500,000,000 shares
Issued – 365,205,655 and 329,464,669 shares
4 3 
Additional paid-in capital4,565 4,109 
Retained earnings1,275 1,110 
Accumulated other comprehensive loss(378)(62)
Treasury stock – 14,449,500 and 10,531,177 shares at cost
(167)(117)
Total Stockholders’ Equity5,406 5,150 
Total Liabilities and Stockholders’ Equity$42,590 $39,513 
(1)Amount represents loans for which we have elected the fair value option. See Note 19.
See accompanying Notes to Consolidated Financial Statements (unaudited)
5


F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Dollars in millions, except per share data)
Unaudited
 Three Months Ended
September 30,
Nine Months Ended
September 30,
 2022202120222021
Interest Income
Loans and leases, including fees$297 $226 $760 $671 
Securities:
Taxable31 22 82 65 
Tax-exempt7 7 20 22 
Other8 1 15 2 
Total Interest Income343 256 877 760 
Interest Expense
Deposits31 11 54 38 
Short-term borrowings6 7 17 21 
Long-term borrowings9 6 21 18 
Total Interest Expense46 24 92 77 
Net Interest Income297 232 785 683 
Provision for credit losses12 (2)36 3 
Net Interest Income After Provision for Credit Losses285 234 749 680 
Non-Interest Income
Service charges36 31 102 89 
Trust services10 10 30 28 
Insurance commissions and fees6 7 20 20 
Securities commissions and fees6 5 18 17 
Capital markets income10 12 25 27 
Mortgage banking operations5 8 18 31 
Dividends on non-marketable equity securities3 2 8 7 
Bank owned life insurance2 3 9 11 
Other5 10 13 21 
Total Non-Interest Income
83 88 243 251 
Non-Interest Expense
Salaries and employee benefits107 105 323 314 
Net occupancy16 13 50 45 
Equipment20 18 56 52 
Amortization of intangibles3 3 10 9 
Outside services19 18 53 54 
Marketing3 4 11 11 
FDIC insurance5 4 15 13 
Bank shares and franchise taxes4 3 12 11 
Merger-related2 1 33 1 
Other16 15 52 41 
Total Non-Interest Expense
195 184 615 551 
Income Before Income Taxes173 138 377 380 
Income taxes35 27 77 74 
Net Income138 111 300 306 
Preferred stock dividends2 2 6 6 
Net Income Available to Common Stockholders$136 $109 $294 $300 
Earnings per Common Share
Basic$0.39 $0.34 $0.84 $0.94 
Diluted0.38 0.34 0.83 0.93 
See accompanying Notes to Consolidated Financial Statements (unaudited)
6


F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(Dollars in millions)
Unaudited
 
 Three Months Ended
September 30,
Nine Months Ended
September 30,
2022202120222021
Net income$138 $111 $300 $306 
Other comprehensive income (loss):
Securities available for sale:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $(33), $(3), $(84) and $(8)
(116)(10)(294)(29)
Derivative instruments:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $(4), $0, $(9) and $1
(13)(1)(30)3 
Reclassification adjustment for gains included in net income, net of tax expense of $1, $1, $2 and $3
2 4 6 11 
Pension and postretirement benefit obligations:
Unrealized gains (losses) arising during the period, net of tax expense of $0, $1, $0 and $1
1 1 2 2 
Other Comprehensive Income (Loss)(126)(6)(316)(13)
Comprehensive Income (Loss)$12 $105 $(16)$293 
See accompanying Notes to Consolidated Financial Statements (unaudited)
7


F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY
(Dollars in millions, except per share data)
Unaudited
 
Preferred
Stock
Common
Stock
Additional
Paid-In
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income (Loss)
Treasury
Stock
Total
Three Months Ended September 30, 2021
Balance at beginning of period$107 $3 $4,101 $981 $(46)$(109)$5,037 
Comprehensive income (loss)111 (6)105 
Dividends declared:
Preferred stock: $18.13/share
(2)(2)
Common stock: $0.12/share
(39)(39)
Issuance of common stock— — — (1)(1)
Repurchase of common stock(7)(7)
Restricted stock compensation5 5 
Balance at end of period$107 $3 $4,106 $1,051 $(52)$(117)$5,098 
Three Months Ended September 30, 2022
Balance at beginning of period$107 $4 $4,562 $1,182 $(252)$(167)$5,436 
Comprehensive income (loss)138 (126)12 
Dividends declared:
Preferred stock: $18.13/share
(2)(2)
Common stock: $0.12/share
(43)(43)
Issuance of common stock    
Repurchase of common stock  
Restricted stock compensation3 3 
Balance at end of period$107 $4 $4,565 $1,275 $(378)$(167)$5,406 
8


Preferred
Stock
Common
Stock
Additional
Paid-In
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income (Loss)
Treasury
Stock
Total
Nine Months Ended September 30, 2021
Balance at beginning of period$107 $3 $4,087 $869 $(39)$(68)$4,959 
Comprehensive income (loss)306 (13)293 
Dividends declared:
Preferred stock: $54.39/share
(6)(6)
Common stock: $0.36/share
(117)(117)
Issuance of common stock— 3 (1)(6)(4)
Repurchase of common stock(43)(43)
Restricted stock compensation16 16 
Balance at end of period$107 $3 $4,106 $1,051 $(52)$(117)$5,098 
Nine Months Ended September 30, 2022
Balance at beginning of period$107 $3 $4,109 $1,110 $(62)$(117)$5,150 
Comprehensive income (loss)300 (316)(16)
Dividends declared:
Preferred stock: $54.39/share
(6)(6)
Common stock: $0.36/share
(129)(129)
Issuance of common stock 1 (7)(6)
Issuance of common stock - acquisitions1 442 443 
Repurchase of common stock(43)(43)
Restricted stock compensation13 13 
Balance at end of period$107 $4 $4,565 $1,275 $(378)$(167)$5,406 
See accompanying Notes to Consolidated Financial Statements (unaudited)
9


F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in millions)
Unaudited
 
 Nine Months Ended
September 30,
 20222021
Operating Activities
Net income$300 $306 
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion54 (1)
Provision for credit losses36 3 
Deferred tax expense (benefit)9 8