F.N.B. (FNB) 8-K F.N.B. Corporation Reports Third Quarter 2008 Earnings

Exhibit 99.1

F.N.B. CORPORATION REPORTS THIRD QUARTER 2008 EARNINGS

Hermitage, PA — October 23, 2008 —F.N.B. Corporation (NYSE: FNB), a diversified financial services company, today reported financial results for the third quarter of 2008. Net income increased to $23.5 million, or $0.27 per diluted share, compared to $14.5 million, or $0.17 per diluted share, in the second quarter of 2008. Net income for the third quarter of 2007 totaled $17.6 million, or $0.29 per diluted share. For the third quarter of 2008, the Corporation’s return on average tangible equity was a strong 25.7%, its return on average equity was 10.0%, its return on average tangible assets was 1.28% and its return on average assets was 1.13%.

“We are pleased to deliver a solid quarter in this period of economic stress. Our results reflect the successful balancing of our growth initiatives with our strong risk management practices,” said Bob New, President and Chief Executive Officer of F.N.B. Corporation. “The strong organic growth we experienced in loans, deposits and treasury management balances demonstrates that we continue to win in the marketplace. We have benefited from a flight to quality given the disruption in the banking industry and amongst some of our key competitors in our markets.”

Bob New added, “We are particularly proud to have achieved record levels of assets at $8.5 billion and shareholders’ equity at $1.0 billion. These levels further demonstrate the strength of our company and businesses.”

Third Quarter 2008 Results

During the third quarter, F.N.B. Corporation completed the acquisition of Iron and Glass Bancorp, Inc., which bolstered the Corporation’s existing presence in Pittsburgh. The transaction added a $167 million loan portfolio, $254 million in deposits and total assets of $310 million as of August 16, 2008.

Average loans increased 3.1%, or 12.2% on an annualized basis, compared to the second quarter of 2008. Excluding the effects of the Iron and Glass acquisition, average loan balances would have increased 1.6%, or 6.6% on an annualized basis, compared to the second quarter. Organic loan growth was primarily driven by increases in commercial, indirect auto and home equity lending. Commercial and consumer lending growth reflect the continued execution of our strategies. The increase in the indirect loan portfolio reflects the benefit from a weakening of competitors in the automobile finance market that provided the Corporation with an opportunity to increase balances with improved pricing, while maintaining strong underwriting standards.

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F.N.B. Corporation Page 2 of 5

Average deposits and treasury management balances increased 4.2%, or 16.9% on an annualized basis, compared to the second quarter of 2008. Excluding the effects of the Iron and Glass acquisition, the growth rate would have been 2.1%, or 8.6% on an annualized basis, compared to the second quarter. Organic growth occurred across all categories with business accounts and treasury management leading the way.

Net interest income totaled $70.5 million for the third quarter of 2008 and increased 4.9%, or 19.6% annualized, from the prior quarter. In addition to the growth in loans and deposits, the net interest margin improved to 3.97%, compared to 3.92% in the second quarter of 2008 and 3.73% in the third quarter of 2007. The wider margin reflects slightly better pricing during the quarter and a 3 basis point benefit from returning certain previously non-accruing loans to accrual status based on sustained payment performance.

Non-interest income totaled $28.2 million for the third quarter of 2008 and increased 2.8%, or 11.3% annualized, compared to the prior quarter. In addition to Omega merger impacts in the second quarter, the largest difference between the two quarters was $1.1 million related to investments in bank stocks. The second quarter of 2008 included a net loss of $0.4 million on securities and the quarter comparison benefited from a $0.7 million mark-to-market improvement in a limited partnership that invests in bank stocks. Non-interest income represented 29% of net revenue for the third quarter of 2008.

Non-interest expense totaled $57.9 million for the third quarter of 2008 and decreased 6.6%, or 26.3% on an annualized basis, compared to the prior quarter. Continued strong expense control and efficiencies from the Omega acquisition benefited the quarter comparison. The third quarter expenses included approximately $1.6 million in merger and Iron and Glass related operating expenses, while the second quarter included $3.6 million in Omega merger costs. The efficiency ratio improved to 56.5% in the third quarter of 2008, compared to 64.3% in the second quarter of 2008 and 57.4% in the third quarter of 2007.

The Corporation recorded a provision for loan losses of $6.5 million in the third quarter of 2008, representing an improvement of $4.5 million, or 40.7%, from the prior quarter. The current quarter’s provision for loan losses covered annualized net charge-offs of 30 basis points, good loan growth and changes in credit quality. The annualized net charge-off ratio was stable with the second quarter and the ending allowance for loan losses to total loans was 1.27%, representing a 1 basis point decrease compared to the second quarter.

During the quarter the Corporation placed two larger credits on non-accrual and transferred one non-accruing loan to OREO. These actions resulted in a $21.1 million net increase in non-performing assets to $92.2 million at quarter’s end. Non-performing assets to loans and OREO was 1.57% at the end of the third quarter, representing an increase from 1.27% at the end of the second quarter. Overall asset quality conditions in the Corporation’s Pennsylvania and Ohio markets continue to be good with non-performing assets less than 1% of those loans and OREO. The economic environment in Florida continues to be weak. While the

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Florida loan portfolio represents only 5% of total loans, Florida’s non-performing assets represent 38%, or $35.0 million, of the Corporation’s total non-performing assets.

The Corporation’s capital ratios continue to exceed federal bank regulatory agency “well capitalized” thresholds. The merger with Iron and Glass, completed in the third quarter, included cash in the consideration and resulted in a planned 20 basis point decrease to a 7.97% leverage ratio and 21 basis point decrease to a 5.00% tangible equity ratio. Both of these ratios have improved over the December 31, 2007 levels of 7.47% for the leverage ratio and 4.85% for the tangible equity ratio. Shareholders’ equity totaled $971.1 million at September 30, 2008, or $10.83 per common share, compared to $919.5 million, or $10.69 per common share, at June 30, 2008. Tangible book value was $4.39 per common share as of September 30, 2008, compared to $4.58 per common share at June 30, 2008.

Year-to-Date Results

For the nine months ended September 30, 2008, F.N.B. Corporation’s net income totaled $54.5 million, or $0.70 per diluted share, compared to $52.6 million, or $0.87 per diluted share for the same period of 2007. On a year-to-date basis, the Corporation’s return on tangible equity totaled 20.9%, its return on equity was 9.0%, its return on tangible assets was 1.09% and its return on assets was 0.98%.

Net interest income, on a fully taxable equivalent basis, increased 26.2% over the same period of 2007, reflecting 22.7% growth in average loans resulting from organic growth and the acquisitions of Omega and Iron and Glass. Average deposits and treasury management balances grew 22.8% over the same period of 2007. Net interest margin for the nine months ended September 30, 2008 increased to 3.88%, up 15 basis points compared to the same period a year ago.

Non-interest income increased 27.7% for the first nine months of 2008, compared to the same period last year. Non-interest income was 29% of net revenue for the nine months ended September 30, 2008. Non-interest expense increased 31.4% compared to the first nine months of 2007.

The efficiency ratio totaled 60.2% for the nine months ended September 30, 2008, compared to 58.0% for the same period of 2007. The increase reflects the negative impact of $4.5 million in merger-related costs incurred this year. Excluding these costs, the efficiency ratio would have been 58.4% for the first nine months of 2008, up slightly from 58.0% for the same period last year.

The provision for loan losses increased $13.6 million compared to the year-ago period, largely reflecting additional provisions for the Florida loan portfolio and the effect of organic growth in the Corporation’s total loan portfolio.

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Conference Call

F.N.B. Corporation will host its regularly scheduled quarterly conference call to discuss results for the third quarter of 2008 on Friday, October 24, at 8:00 A.M. Eastern Daylight Time. Hosting the call will be Bob New, President and Chief Executive Officer, and Brian Lilly, Chief Financial Officer.

The call can be accessed via the telephone by dialing (866) 575-6537 or (913) 312-0865 for international callers; the confirmation number is 5054046.

A replay of the call will be available from 11:00 A.M. Eastern Daylight Time on the day of the call until midnight Eastern Daylight Time on Friday, October 31, 2008. The replay can be accessed by dialing (888) 203-1112 or (719) 457-0820 for international callers; the confirmation number is 5054046. A transcript of the call will be posted to the “Shareholder and Investor Relations” section of F.N.B. Corporation’s Web site at www.fnbcorporation.com.

About F.N.B. Corporation

F.N.B. Corporation, headquartered in Hermitage, PA, is a diversified financial services company with total assets of $8.5 billion as of September 30, 2008. 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 loan production offices in Pennsylvania, Ohio, Tennessee and Florida.

Mergent Inc., a leading provider of business and financial information about publicly traded companies, has recognized F.N.B. Corporation as a Dividend Achiever. This annual recognition is based on F.N.B. Corporation’s outstanding record of increased dividend performance. F.N.B. Corporation has consistently increased dividend payments for 35 consecutive years.

The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol “FNB”. Investor information is available on F.N.B. Corporation’s Web site at www.fnbcorporation.com.

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Forward-looking Statements

This press release of F.N.B. Corporation and the reports F.N.B. Corporation files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and, specifically, the financial operations, markets and products of F.N.B. Corporation. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause F.N.B. Corporation’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among financial institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) less favorable than expected general economic conditions; (5) legislative or regulatory changes that may adversely affect the businesses in which F.N.B. Corporation is engaged; (6) technological issues which may adversely affect F.N.B. Corporation’s financial operations or customers; (7) changes in the securities markets or (8) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission. F.N.B. Corporation undertakes no obligation to release revisions to these forward-looking statements or to reflect events or circumstances after the date of this press release.

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Analyst/Institutional Investor Contact:
Frank Milano 203-682-8343
frank.milano@icrinc.com

Media Contact:
Jennifer Reel 724-983-4856
724-699-6389 (cell)

DATA SHEETS TO FOLLOW

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)

										3rd Qtr 2008 -		3rd Qtr 2008 -
	2008						2007			2nd Qtr 2008		3rd Qtr 2007
	Third			Second			Third			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
Statement of earnings
Interest income	$	108,801		$	105,297		$	93,949			3.3		15.8
Interest expense		39,896			39,740			44,791			0.4		-10.9
Net interest income		68,905			65,557			49,158			5.1		40.2
Taxable equivalent adjustment		1,569			1,608			1,169			-2.4		34.2
Net interest income (FTE)		70,474			67,165			50,327			4.9		40.0
Provision for loan losses		6,514			10,976			3,776			-40.7		72.5
Net interest income after provision (FTE)		63,960			56,189			46,551			13.8		37.4
Service charges		15,002			14,860			10,286			1.0		45.8
Insurance commissions and fees		3,959			4,183			3,301			-5.4		19.9
Securities commissions and fees		2,010			2,098			1,595			-4.2		26.1
Trust income		3,215			3,575			2,109			-10.1		52.4
Gain (loss) on sale of securities		9			(415	)		(7	)		-102.2		-224.6
Gain on sale of loans		477			530			455			-10.0		4.9
Other		3,561			2,625			1,943			35.7		83.3
Total non-interest income		28,233			27,456			19,682			2.8		43.4
Salaries and employee benefits		29,707			32,320			22,030			-8.1		34.8
Occupancy and equipment		8,772			9,128			6,867			-3.9		27.7
Amortization of intangibles		2,162			1,219			1,099			77.3		96.7
Other		17,270			19,347			11,282			-10.7		53.1
Total non-interest expense		57,911			62,014			41,278			-6.6		40.3
Income before income taxes		34,282			21,631			24,955			58.5		37.4
Taxable equivalent adjustment		1,569			1,608			1,169			-2.4		34.2
Income taxes		9,208			5,518			6,162			66.9		49.4
Net income	$	23,505		$	14,505		$	17,624			62.0		33.4
Earnings per share
Basic	$	0.27		$	0.17		$	0.29			58.8		-6.9
Diluted	$	0.27		$	0.17		$	0.29			58.8		-6.9
Performance ratios
Return on average equity		9.99	%		6.26	%		12.96	%
Return on tangible equity (1)		25.69	%		14.34	%		26.31	%
Return on average assets		1.13	%		0.73	%		1.15	%
Return on tangible assets (2)		1.28	%		0.82	%		1.25	%
Net interest margin (FTE)		3.97	%		3.92	%		3.73	%
Yield on earning assets (FTE)		6.20	%		6.24	%		7.03	%
Cost of funds		2.50	%		2.61	%		3.68	%
Efficiency ratio (FTE) (3)		56.48	%		64.25	%		57.39	%
Common stock data
Average basic shares outstanding		87,291,008			85,632,970			60,154,574			1.9		45.1
Average diluted shares outstanding		87,575,154			86,053,694			60,640,486			1.8		44.4
Ending shares outstanding		89,634,163			86,025,842			60,555,834			4.2		48.0
Book value per common share	$	10.83		$	10.69		$	8.94			1.4		21.1
Tangible book value per common share	$	4.39		$	4.58		$	4.61			-4.1		-4.6
Dividend payout ratio		91.24	%		142.62	%		82.47	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.
(3)	The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.
(4)	Treasury management accounts are included in short-term borrowings on the balance sheet.
(5)	Certain prior period amounts have been reclassified to conform to the current period presentation.

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)

	For the Nine Months
	Ended September 30,
							Percent
	2008			2007			Variance
Statement of earnings
Interest income	$	302,623		$	276,056			9.6
Interest expense		119,196			130,629			-8.8
Net interest income		183,427			145,427			26.1
Taxable equivalent adjustment		4,440			3,456			28.5
Net interest income (FTE)		187,867			148,883			26.2
Provision for loan losses		21,073			7,461			182.4
Net interest income after provision (FTE)		166,794			141,422			17.9
Service charges		40,048			30,116			33.0
Insurance commissions and fees		12,064			10,950			10.2
Securities commissions and fees		5,628			4,521			24.5
Trust income		9,014			6,389			41.1
Gain (loss) on sale of securities		338			1,037			-67.4
Gain on sale of loans		1,458			1,181			23.5
Other		9,307			6,779			37.3
Total non-interest income		77,857			60,973			27.7
Salaries and employee benefits		87,283			65,771			32.7
Occupancy and equipment		24,831			20,996			18.3
Amortization of intangibles		4,454			3,305			34.7
Other		47,720			34,924			36.6
Total non-interest expense		164,288			124,996			31.4
Income before income taxes		80,363			77,399			3.8
Taxable equivalent adjustment		4,440			3,456			28.5
Income taxes		21,422			21,327			0.4
Net income	$	54,501		$	52,616			3.6
Earnings per share
Basic	$	0.70		$	0.88			-20.5
Diluted	$	0.70		$	0.87			-19.5
					��
Performance ratios
Return on average equity		9.04	%		13.04	%
Return on tangible equity (1)		20.91	%		26.63	%
Return on average assets		0.98	%		1.17	%
Return on tangible assets (2)		1.09	%		1.27	%
Net interest margin (FTE)		3.88	%		3.73	%
Yield on earning assets (FTE)		6.34	%		7.00	%
Cost of funds		2.75	%		3.64	%
Efficiency ratio (FTE) (3)		60.15	%		57.99	%
Common stock data
Average basic shares outstanding		77,749,543			60,129,145			29.3
Average diluted shares outstanding		78,112,070			60,631,788			28.8
Ending shares outstanding		89,634,163			60,555,834			48.0
Book value per common share	$	10.83		$	8.94			21.1
Tangible book value per common share	$	4.39		$	4.61			-4.6
Dividend payout ratio		104.07	%		81.57	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.
(3)	The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.
(4)	Treasury management accounts are included in short-term borrowings on the balance sheet.
(5)	Certain prior period amounts have been reclassified to conform to the current period presentation.

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

										3rd Qtr 2008 -		3rd Qtr 2008 -
	2008						2007			2nd Qtr 2008		3rd Qtr 2007
	Third			Second			Third			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
Average balances
Total assets	$	8,265,506		$	7,989,171		$	6,078,664			3.5		36.0
Earning assets		7,089,681			6,884,173			5,377,543			3.0		31.8
Securities		1,304,035			1,238,662			1,030,999			5.3		26.5
Loans, net of unearned income		5,766,959			5,594,922			4,341,123			3.1		32.8
Allowance for loan losses		73,656			68,308			51,670			7.8		42.6
Goodwill and intangibles		550,673			503,598			263,184			9.3		109.2
Deposits and treasury management accounts (4)		6,381,969			6,121,908			4,717,121			4.2		35.3
Short-term borrowings		145,960			127,630			160,162			14.4		-8.9
Long-term debt		501,500			520,579			437,463			-3.7		14.6
Trust preferred securities		205,637			205,806			151,031			-0.1		36.2
Shareholders’ equity		936,452			932,530			539,698			0.4		73.5
Asset quality data
Non-accrual loans	$	74,161		$	58,215		$	21,346			27.4		247.4
Restructured loans		3,733			3,631			3,470			2.8		7.6
Non-performing loans		77,894			61,846			24,816			25.9		213.9
Other real estate owned		14,338			9,291			5,358			54.3		167.6
Non-performing assets	$	92,232		$	71,137		$	30,174			29.7		205.7
Net loan charge-offs	$	4,323		$	4,132		$	2,905			4.6		48.8
Allowance for loan losses		74,755			71,483			52,122			4.6		43.4
Non-performing loans / total loans		1.33	%		1.10	%		0.57	%
Non-performing assets / total loans + OREO		1.57	%		1.27	%		0.69	%
Allowance for loan losses / total loans		1.27	%		1.28	%		1.20	%
Allowance for loan losses / non-performing loans		95.97	%		115.58	%		210.03	%
Net loan charge-offs (annualized) / average loans		0.30	%		0.30	%		0.27	%
Balances at period end
Total assets	$	8,457,351		$	8,095,880		$	6,124,174			4.5		38.1
Earning assets		7,222,178			6,916,434			5,404,247			4.4		33.6
Securities		1,335,781			1,274,424			1,035,959			4.8		28.9
Loans, net of unearned income		5,876,041			5,606,409			4,358,604			4.8		34.8
Goodwill and intangibles		577,318			525,397			262,663			9.9		119.8
Deposits and treasury management accounts (4)		6,525,952			6,251,439			4,738,340			4.4		37.7
Short-term borrowings		179,287			137,970			197,032			29.9		-9.0
Long-term debt		496,650			505,244			433,691			-1.7		14.5
Trust preferred securities		205,555			205,724			151,031			-0.1		36.1
Shareholders’ equity		971,074			919,458			541,593			5.6		79.3
Capital ratios
Equity/assets (period end)		11.48	%		11.36	%		8.84	%
Leverage ratio		7.97	%		8.17	%		7.43	%
Tangible equity/tangible assets (period end)		5.00	%		5.21	%		4.76	%

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

	For the Nine Months
	Ended September 30,
							Percent
	2008			2007			Variance
Average balances
Total assets	$	7,455,911		$	6,037,115			23.5
Earning assets		6,465,910			5,335,797			21.2
Securities		1,183,867			1,034,972			14.4
Loans, net of unearned income		5,258,391			4,285,334			22.7
Allowance for loan losses		65,129			52,217			24.7
Goodwill and intangibles		438,832			264,462			65.9
Deposits and treasury management accounts (4)		5,731,754			4,666,439			22.8
Short-term borrowings		148,215			139,538			6.2
Long-term debt		499,671			468,483			6.7
Trust preferred securities		187,558			151,031			24.2
Shareholders’ equity		805,540			539,366			49.3
Asset quality data
Non-accrual loans	$	74,161		$	21,346			247.4
Restructured loans		3,733			3,470			7.6
Non-performing loans		77,894			24,816			213.9
Other real estate owned		14,338			5,358			167.6
Non-performing assets	$	92,232		$	30,174			205.7
Net loan charge-offs	$	11,448		$	7,935			44.3
Allowance for loan losses		74,755			52,122			43.4
Non-performing loans / total loans		1.33	%		0.57	%
Non-performing assets / total loans + OREO		1.57	%		0.69	%
Allowance for loan losses / total loans		1.27	%		1.20	%
Allowance for loan losses / non-performing loans		95.97	%		210.03	%
Net loan charge-offs (annualized) / average loans		0.29	%		0.25	%
Balances at period end
Total assets	$	8,457,351		$	6,124,174			38.1
Earning assets		7,222,178			5,404,247			33.6
Securities		1,335,781			1,035,959			28.9
Loans, net of unearned income		5,876,041			4,358,604			34.8
Goodwill and intangibles		577,318			262,663			119.8
Deposits and treasury management accounts (4)		6,525,952			4,738,340			37.7
Short-term borrowings		179,287			197,032			-9.0
Long-term debt		496,650			433,691			14.5
Trust preferred securities		205,555			151,031			36.1
Shareholders’ equity		971,074			541,593			79.3
Capital ratios
Equity/assets (period end)		11.48	%		8.84	%
Leverage ratio		7.97	%		7.43	%
Tangible equity/tangible assets (period end)		5.00	%		4.76	%

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

							3rd Qtr 2008 -		3rd Qtr 2008 -
	2008				2007		2nd Qtr 2008		3rd Qtr 2007
	Third		Second		Third		Percent		Percent
	Quarter		Quarter		Quarter		Variance		Variance
Average balances
Loans:
Commercial	$	3,142,018	$	3,040,881	$	2,208,612		3.3		42.3
Direct installment		1,099,102		1,100,593		947,158		-0.1		16.0
Consumer LOC		314,992		299,710		244,975		5.1		28.6
Residential mortgages		655,719		651,728		480,702		0.6		36.4
Indirect installment		493,648		447,012		440,686		10.4		12.0
Other		61,480		54,998		18,990		11.8		223.8
Total loans	$	5,766,959	$	5,594,922	$	4,341,123		3.1		32.8
Deposits:
Non-interest bearing deposits	$	907,146	$	870,592	$	642,197		4.2		41.3
Savings and NOW		2,826,205		2,660,157		2,065,469		6.2		36.8
Certificates of deposit and other time deposits		2,250,043		2,223,657		1,739,083		1.2		29.4
Total deposits		5,983,394		5,754,406		4,446,749		4.0		34.6
Treasury management accounts (4)		398,575		367,502		270,372		8.5		47.4
Total deposits and treasury management accounts (4)	$	6,381,969	$	6,121,908	$	4,717,121		4.2		35.3
Balances at period end
Loans:
Commercial	$	3,228,768	$	3,034,558	$	2,234,236		6.4		44.5
Direct installment		1,095,115		1,102,654		948,986		-0.7		15.4
Consumer LOC		325,284		307,881		245,627		5.7		32.4
Residential mortgages		647,259		638,972		469,587		1.3		37.8
Indirect installment		514,007		464,825		440,812		10.6		16.6
Other		65,608		57,519		19,356		14.1		238.9
Total loans	$	5,876,041	$	5,606,409	$	4,358,604		4.8		34.8
Deposits:
Non-interest bearing deposits	$	939,561	$	901,120	$	659,352		4.3		42.5
Savings and NOW		2,888,899		2,780,685		2,090,065		3.9		38.2
Certificates of deposit and other time deposits		2,313,397		2,196,859		1,734,767		5.3		33.4
Total deposits		6,141,857		5,878,664		4,484,184		4.5		37.0
Treasury management accounts (4)		384,096		372,775		254,156		3.0		51.1
Total deposits and treasury management accounts (4)	$	6,525,953	$	6,251,439	$	4,738,340		4.4		37.7

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

	For the Nine Months
	Ended September 30,
					Percent
	2008		2007		Variance
Average balances
Loans:
Commercial	$	2,828,570	$	2,162,342		30.8
Direct installment		1,044,462		927,897		12.6
Consumer LOC		288,945		249,083		16.0
Residential mortgages		592,771		485,446		22.1
Indirect installment		444,399		441,459		0.7
Other		59,244		19,107		210.1
Total loans	$	5,258,391	$	4,285,334		22.7
Deposits:
Non-interest bearing deposits	$	793,836	$	636,482		24.7
Savings and NOW		2,512,017		2,018,557		24.4
Certificates of deposit and other time deposits		2,072,524		1,751,110		18.4
Total deposits		5,378,377		4,406,149		22.1
Treasury management accounts (4)		353,377		260,290		35.8
Total deposits and treasury management accounts (4)	$	5,731,754	$	4,666,439		22.8
Balances at period end
Loans:
Commercial	$	3,228,768	$	2,234,236		44.5
Direct installment		1,095,115		948,986		15.4
Consumer LOC		325,284		245,627		32.4
Residential mortgages		647,259		469,587		37.8
Indirect installment		514,007		440,812		16.6
Other		65,608		19,356		238.9
Total loans	$	5,876,041	$	4,358,604		34.8
Deposits:
Non-interest bearing deposits	$	939,561	$	659,352		42.5
Savings and NOW		2,888,899		2,090,065		38.2
Certificates of deposit and other time deposits		2,313,397		1,734,767		33.4
Total deposits		6,141,857		4,484,184		37.0
Treasury management accounts (4)		384,096		254,156		51.1
Total deposits and treasury management accounts (4)	$	6,525,953	$	4,738,340		37.7