Company Quick10K Filing
FNB
Price11.39 EPS1
Shares326 P/E9
MCap3,714 P/FCF27
Net Debt731 EBIT778
TEV4,445 TEV/EBIT6
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-06-30 Filed 2020-08-05
10-Q 2020-03-31 Filed 2020-05-07
10-K 2019-12-31 Filed 2020-02-27
10-Q 2019-09-30 Filed 2019-11-07
10-Q 2019-06-30 Filed 2019-08-06
10-Q 2019-03-31 Filed 2019-05-07
10-K 2018-12-31 Filed 2019-02-26
10-Q 2018-09-30 Filed 2018-11-07
10-Q 2018-06-30 Filed 2018-08-07
10-Q 2018-03-31 Filed 2018-05-10
10-K 2017-12-31 Filed 2018-02-28
10-Q 2017-09-30 Filed 2017-11-06
10-Q 2017-06-30 Filed 2017-08-04
10-Q 2017-03-31 Filed 2017-05-08
10-K 2016-12-31 Filed 2017-02-23
10-Q 2016-09-30 Filed 2016-11-07
10-Q 2016-06-30 Filed 2016-08-05
10-Q 2016-03-31 Filed 2016-05-06
10-K 2015-12-31 Filed 2016-02-26
10-Q 2015-09-30 Filed 2015-11-06
10-Q 2015-06-30 Filed 2015-08-07
10-Q 2015-03-31 Filed 2015-05-08
10-K 2014-12-31 Filed 2015-02-27
10-Q 2014-09-30 Filed 2014-11-07
10-Q 2014-06-30 Filed 2014-08-08
10-Q 2014-03-31 Filed 2014-05-09
10-K 2013-12-31 Filed 2014-02-28
10-Q 2013-09-30 Filed 2013-11-08
10-Q 2013-06-30 Filed 2013-08-08
10-Q 2013-03-31 Filed 2013-05-09
10-K 2012-12-31 Filed 2013-02-28
10-Q 2012-09-30 Filed 2012-11-08
10-Q 2012-06-30 Filed 2012-08-08
10-Q 2012-03-31 Filed 2012-05-09
10-K 2011-12-31 Filed 2012-02-28
10-Q 2011-09-30 Filed 2011-11-08
10-Q 2011-06-30 Filed 2011-08-05
10-Q 2011-03-31 Filed 2011-05-06
10-K 2010-12-31 Filed 2011-02-25
10-Q 2010-09-30 Filed 2010-11-05
10-Q 2010-06-30 Filed 2010-08-05
10-Q 2010-03-31 Filed 2010-05-07
10-K 2009-12-31 Filed 2010-02-26
8-K 2020-07-16 Earnings, Exhibits
8-K 2020-05-13
8-K 2020-04-30
8-K 2020-04-23
8-K 2020-02-24
8-K 2020-01-21
8-K 2019-10-17
8-K 2019-09-23
8-K 2019-07-23
8-K 2019-05-15
8-K 2019-04-23
8-K 2019-04-22
8-K 2019-02-11
8-K 2019-02-06
8-K 2019-01-22
8-K 2018-10-23
8-K 2018-07-24
8-K 2018-06-07
8-K 2018-05-29
8-K 2018-05-16
8-K 2018-04-24
8-K 2018-04-02
8-K 2018-01-23

FNB 10Q Quarterly Report

Part I - Financial Information
Item 1. Financial Statements
Note 1. Summary of Significant Accounting Policies
Note 2. New Accounting Standards
Note 3. Securities
Note 4. Loans and Leases
Note 5. Allowance for Credit Losses
Note 6. Loan Servicing
Note 7. Goodwill and Other Intangible Assets
Note 8. Operating Leases
Note 9. Variable Interest Entities
Note 10. Borrowings
Note 11. Derivative Instruments and Hedging Activities
Note 12. Commitments, Credit Risk and Contingencies
Note 13. Stock Incentive Plans
Note 14. Income Taxes
Note 15. Other Comprehensive Income
Note 16. Earnings per Common Share
Note 17. Cash Flow Information
Note 18. Business Segments
Note 19. Fair Value Measurements
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II - Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Item 6. Exhibits
EX-31.1 fnb10-qex311q22020.htm
EX-31.2 fnb10-qex312q22020.htm
EX-32.1 fnb10-qex321q22020.htm
EX-32.2 fnb10-qex322q22020.htm

FNB Earnings 2020-06-30

Balance SheetIncome StatementCash Flow

fnb-20200630
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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 June 30, 2020
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
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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 atJuly 31, 2020
Common Stock, $0.01 Par Value323,205,925  Shares

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F.N.B. CORPORATION
FORM 10-Q
June 30, 2020
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
HTM
Held to maturity
AFS
Available for sale
IRLC
Interest rate lock commitments
ALCO
Asset/Liability Committee
LCR
Liquidity Coverage Ratio
AOCI
Accumulated other comprehensive income
LGD
Loss given default
ASC
Accounting Standards Codification
LIBOR
London Inter-bank Offered Rate
ASU
Accounting Standards Update
LIHTC
Low income housing tax credit
AULC
Allowance for unfunded loan commitments
MCH
Months of Cash on Hand
BOLI
Bank owned life insurance
MD&A
Management's Discussion and Analysis of
Financial Condition and Results of Operations
CARES Act
Coronavirus Aid, Relief and Economic Security Act
MSRs
Mortgage servicing rights
C&I
Commercial and industrial
OCC
Office of the Comptroller of the Currency
CECL
Current expected credit losses
OREO
Other real estate owned
CFPB
Consumer Financial Protection Bureau
OTTI
Other-than-temporary impairment
COVID-19
Novel coronavirus disease of 2019
PCD
Purchase credit deteriorated
DCF
Discounted cash flow
PCI
Purchase credit impaired
EAD
Exposure at default
PDProbability of default
EVE
Economic value of equity
PPPPaycheck Protection Program
FASB
Financial Accounting Standards Board
PPPLF
Paycheck Protection Program Liquidity Fund
FDIC
Federal Deposit Insurance Corporation
R&S
Reasonable and Supportable
FHLB
Federal Home Loan Bank
SBA
Small Business Administration
FNB
F.N.B. Corporation
SEC
Securities and Exchange Commission
FNBPA
First National Bank of Pennsylvania
TCJA
Tax Cuts and Jobs Act of 2017
FOMC
Federal Open Market Committee
TDR
Troubled debt restructuring
FRB
Board of Governors of the Federal Reserve
System
TPS
Trust preferred securities
FTE
Fully taxable equivalent
U.S.
United States of America
FVO
Fair value option
UST
U.S. Department of the Treasury
GAAP
U.S. generally accepted accounting principles
VIE
Variable interest entity
GDPGross domestic productYDKNYadkin Financial Corporation
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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)
June 30,
2020
December 31,
2019
 (Unaudited) 
Assets
Cash and due from banks$398  $407  
Interest-bearing deposits with banks533  192  
Cash and Cash Equivalents931  599  
Debt securities available for sale (amortized cost of $3,203 and $3,275; allowance for credit losses of $0)
3,301  3,289  
Debt securities held to maturity (fair value of $3,162 and $3,305; allowance for credit losses of $0)
3,050  3,275  
Loans held for sale (includes $95 and $41 measured at fair value) (1)
108  51  
Loans and leases, net of unearned income of $141 and $1
26,162  23,289  
Allowance for credit losses(365) (196) 
Net Loans and Leases25,797  23,093  
Premises and equipment, net332  333  
Goodwill2,262  2,262  
Core deposit and other intangible assets, net61  67  
Bank owned life insurance547  544  
Other assets1,332  1,102  
Total Assets$37,721  $34,615  
Liabilities
Deposits:
Non-interest-bearing demand$8,650  $6,384  
Interest-bearing demand12,510  11,049  
Savings2,969  2,625  
Certificates and other time deposits4,266  4,728  
Total Deposits28,395  24,786  
Short-term borrowings2,411  3,216  
Long-term borrowings1,630  1,340  
Other liabilities388  390  
Total Liabilities32,824  29,732  
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 – 327,997,423 and 327,242,364 shares
3  3  
Additional paid-in capital4,081  4,067  
Retained earnings796  798  
Accumulated other comprehensive loss(35) (65) 
Treasury stock – 4,791,498 and 2,227,804 shares at cost
(55) (27) 
Total Stockholders’ Equity4,897  4,883  
Total Liabilities and Stockholders’ Equity$37,721  $34,615  
(1)Amount represents loans for which we have elected the fair value option. See Note 19.
See accompanying Notes to Consolidated Financial Statements (unaudited)
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F.N.B. CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Dollars in millions, except per share data)
Unaudited
 Three Months Ended
June 30,
Six Months Ended
June 30,
 2020201920202019
Interest Income
Loans and leases, including fees$245  $276  $511  $545  
Securities:
Taxable28  32  59  65  
Tax-exempt8  8  16  16  
Other  1  1  1  
Total Interest Income281  317  587  627  
Interest Expense
Deposits35  55  84  105  
Short-term borrowings8  22  22  48  
Long-term borrowings9  10  20  13  
Total Interest Expense52  87  126  166  
Net Interest Income229  230  461  461  
Provision for credit losses30  11  78  25  
Net Interest Income After Provision for Credit Losses199  219  383  436  
Non-Interest Income
Service charges24  32  54  62  
Trust services7  7  15  14  
Insurance commissions and fees5  4  12  9  
Securities commissions and fees3  5  8  9  
Capital markets income13  10  24  16  
Mortgage banking operations17  8  16  12  
Dividends on non-marketable equity securities3  4  8  9  
Bank owned life insurance4  3  7  6  
Other1  2  2  3  
Total Non-Interest Income
77  75  146  140  
Non-Interest Expense