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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, 2021
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, 2021
Common Stock, $0.01 Par Value318,927,908 Shares
2


F.N.B. CORPORATION
FORM 10-Q
September 30, 2021
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
FRB
Board of Governors of the Federal Reserve
System
U.S.
United States of America
FTE
Fully taxable equivalent
UST
U.S. Department of the Treasury
GAAP
U.S. generally accepted accounting principles
VIE
Variable interest entity
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,
2021
December 31,
2020
 (Unaudited) 
Assets
Cash and due from banks$402 $369 
Interest-bearing deposits with banks3,708 1,014 
Cash and Cash Equivalents4,110 1,383 
Debt securities available for sale (amortized cost of $3,162 and $3,380; allowance for credit losses of $0 and $0)
3,208 3,463 
Debt securities held to maturity (fair value of $3,267 and $2,973; allowance for credit losses of $0 and $0)
3,202 2,868 
Loans held for sale (includes $227 and $144 measured at fair value) (1)
253 154 
Loans and leases, net of unearned income of $51 and $77
24,716 25,459 
Allowance for credit losses on loans and leases(349)(363)
Net Loans and Leases24,367 25,096 
Premises and equipment, net342 332 
Goodwill2,262 2,262 
Core deposit and other intangible assets, net45 54 
Bank owned life insurance545 549 
Other assets1,027 1,193 
Total Assets$39,361 $37,354 
Liabilities
Deposits:
Non-interest-bearing demand$10,502 $9,042 
Interest-bearing demand14,360 13,157 
Savings3,537 3,261 
Certificates and other time deposits3,045 3,662 
Total Deposits31,444 29,122 
Short-term borrowings1,563 1,804 
Long-term borrowings886 1,095 
Other liabilities370 374 
Total Liabilities34,263 32,395 
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 – 329,449,382 and 328,057,368 shares
3 3 
Additional paid-in capital4,106 4,087 
Retained earnings1,051 869 
Accumulated other comprehensive loss(52)(39)
Treasury stock – 10,527,766 and 6,427,839 shares at cost
(117)(68)
Total Stockholders’ Equity5,098 4,959 
Total Liabilities and Stockholders’ Equity$39,361 $37,354 
(1)Amount represents loans for which we have elected the fair value option. See Note 18.
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,
 2021202020212020
Interest Income
Loans and leases, including fees$226 $239 $671 $750 
Securities:
Taxable22 25 65 84 
Tax-exempt7 8 22 24 
Other1 1 2 2 
Total Interest Income256 273 760 860 
Interest Expense
Deposits11 27 38 111 
Short-term borrowings7 9 21 31 
Long-term borrowings6 10 18 30 
Total Interest Expense24 46 77 172 
Net Interest Income232 227 683 688 
Provision for credit losses(2)27 3 105 
Net Interest Income After Provision for Credit Losses234 200 680 583 
Non-Interest Income
Service charges31 24 89 78 
Trust services10 8 28 23 
Insurance commissions and fees7 7 20 19 
Securities commissions and fees5 5 17 13 
Capital markets income12 8 27 32 
Mortgage banking operations8 18 31 34 
Dividends on non-marketable equity securities2 2 7 10 
Bank owned life insurance3 4 11 11 
Loss on debt extinguishment (4) (4)
Other10 8 21 10 
Total Non-Interest Income
88 80 251 226 
Non-Interest Expense
Salaries and employee benefits105 100 314 298 
Net occupancy13 14 45 49 
Equipment18 17 52 49 
Amortization of intangibles3 3 9 10 
Outside services18 16 54 50 
FDIC insurance4 4 13 15 
Bank shares and franchise taxes3 4 11 12 
Merger-related1  1  
Other19 22 52 68 
Total Non-Interest Expense
184 180 551 551 
Income Before Income Taxes138 100 380 258 
Income taxes27 17 74 44 
Net Income111 83 306 214 
Preferred stock dividends2 2 6 6 
Net Income Available to Common Stockholders$109 $81 $300 $208 
Earnings per Common Share
Basic$0.34 $0.25 $0.94 $0.64 
Diluted0.34 0.25 0.93 0.64 
See accompanying Notes to Consolidated Financial Statements (unaudited)
6


F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Dollars in millions)
Unaudited
 
 Three Months Ended
September 30,
Nine Months Ended
September 30,
2021202020212020
Net income$111 $83 $306 $214 
Other comprehensive income (loss):
Securities available for sale:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $(3), $(1), $(8) and $18
(10)(3)(29)63 
Derivative instruments:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $0, $2, $1 and $(9)
(1)8 3 (32)
Reclassification adjustment for gains included in net income, net of tax expense of $1, $1, $3 and $2
4 4 11 7 
Pension and postretirement benefit obligations:
Unrealized gains arising during the period, net of tax expense of $1, $0, $1 and $0
1  2 1 
Other Comprehensive Income (Loss)(6)9 (13)39 
Comprehensive Income$105 $92 $293 $253 
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, 2020
Balance at beginning of period$107 $3 $4,081 $796 $(35)$(55)$4,897 
Comprehensive income83 9 92 
Dividends declared:
Preferred stock: $18.13/share
(2)(2)
Common stock: $0.12/share
(39)(39)
Issuance of common stock— 1 — 1 
Restricted stock compensation2 2 
Balance at end of period$107 $3 $4,084 $838 $(26)$(55)$4,951 
Three Months Ended September 30, 2021
Balance at beginning of period$107 $3 $4,101 $981 $(46)$(109)$5,037 
Comprehensive income111 (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 
8


Preferred
Stock
Common
Stock
Additional
Paid-In
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income (Loss)
Treasury
Stock
Total
Nine Months Ended September 30, 2020
Balance at beginning of period$107 $3 $4,067 $798 $(65)$(27)$4,883 
Comprehensive income 214 39 253 
Dividends declared:
Preferred stock: $54.39/share
(6)(6)
Common stock: $0.36/share
(118)(118)
Issuance of common stock— 4 (3)1 
Repurchase of common stock(25)(25)
Restricted stock compensation13 13 
Adoption of new accounting standards(50)— (50)
Balance at end of period$107 $3 $4,084 $838 $(26)$(55)$4,951 
Nine Months Ended September 30, 2021
Balance at beginning of period$107 $3 $4,087 $869 $(39)$(68)$4,959 
Comprehensive income 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 
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,
 20212020
Operating Activities
Net income$306 $214 
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion(1)5 
Provision for credit losses3 105 
Deferred tax expense (benefit)8 (24)
Loans originated for sale(1,593)(1,351)