Company:  FNB CORP/FL/ (FNB)
Form Type:  10-K
Filing Date:  2/28/2013 
CIK:  0000037808 
Address:  F.N.B. CORPORATION
ONE F.N.B. BOULEVARD
 
City, State, Zip:  HERMITAGE, Pennsylvania 16148 
Telephone:  724-981-6000 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$12.64  
Change: 
-0.19 (-1.48%)  
Trade Time: 
Apr 24  
Market Cap: 
$2.09B
Description of Business
The Corporation was formed in 1974 as a bank holding company. In 2000, the Corporation elected to become and remains a financial holding company under the Gramm-Leach-Bliley Act of 1999 (GLB Act). The Corporation has four reportable business segments: Community Banking, Wealth Management, Insurance and Consumer Finance. As of December 31, 2013, the Corporation had 266 Community Banking offices in Pennsylvania, Ohio, Maryland and West Virginia and 72 Consumer Finance offices in Pennsylvania, Ohio, Tennessee and Kentucky. The Corporation, through its subsidiaries, provides a full range of financial services, principally to consumers and small- to medium-sized businesses in its market areas. The Corporation�s business strategy focuses primarily on providing quality, community-based financial services adapted to the needs of each of the markets it serves.
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  FORM 10-K
    PART I
      ITEM 1. BUSINESS
      ITEM 1A. RISK FACTORS
      ITEM 1B. UNRESOLVED STAFF COMMENTS
      ITEM 2. PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4. MINE SAFETY DISCLOSURES
    PART II.
      ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 6. SELECTED FINANCIAL DATA
      ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        Results of Operations
        Market Risk
          BALANCE SHEET
      ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        Report of Independent Registered Public Accounting Firm
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        INCOME STATEMENT
        BALANCE SHEET
        INCOME STATEMENT
        CASH FLOW
      ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A. CONTROLS AND PROCEDURES
      ITEM 9B. OTHER INFORMATION
    PART III
      ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      ITEM 11. EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS ...
      ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, ...
      ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
    PART IV
      ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
    SIGNATURES
    INDEX TO EXHIBITS
  EXHIBIT 12
    RATIO COMPUTATION
  EXHIBIT 21
    SUBSIDIARIES
  EXHIBIT 23
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 31.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 31.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
  EXHIBIT 32.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 32.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
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