Exhibit 99.1

F.N.B. Corporation Reports Third Quarter 2010 Results

Hermitage, PA — October 25, 2010 — F.N.B. Corporation (NYSE: FNB) today reported financial results for the third quarter of 2010. Net income for the third quarter of 2010 was $17.2 million, or $0.15 per diluted share, compared to second quarter of 2010 net income of $17.9 million, or $0.16 per diluted share, and net income available to common shareholders in the third quarter of 2009 of $4.8 million, or $0.04 per diluted common share.

“We are very pleased with our third quarter results,” said Stephen J. Gurgovits, President and Chief Executive Officer of F.N.B. Corporation. “The third quarter includes continued loan and deposit growth, a stable net interest margin and solid credit quality results in our Pennsylvania and Regency portfolios. Additionally, we were extremely pleased to announce the pending acquisition of Comm Bancorp, Inc. during the quarter and look forward to expanding our existing presence in northeastern Pennsylvania.”

F.N.B. Corporation’s performance ratios this quarter were as follows: return on average tangible equity (non-GAAP measure) was 14.56%; return on average equity was 6.43%; return on average tangible assets (non-GAAP measure) was 0.87% and return on average assets was 0.76%. A reconciliation of GAAP measures to non-GAAP measures is included in the tables that accompany this press release.

Net Interest Income

Net interest income on a fully taxable equivalent basis for the third quarter of 2010 totaled $73.9 million, increasing 4.2% annualized from the second quarter of 2010. This linked-quarter growth reflects a 4.0% annualized increase in average earning assets. The increase in average earning assets is a result of loan growth of 4.1% annualized in the third quarter compared to the second quarter. The third quarter net interest margin equaled 3.78%, compared to 3.81% in the second quarter which included a 4 basis point net benefit related to certain non-accrual loans that were paid off or returned to accrual status. After adjusting for these benefits, the margin for the third quarter was stable compared to the second quarter.

“Our commercial and retail bankers continue to win new customer relationships and deepen existing relationships as this quarter marks the fifth consecutive quarter of loan growth,” said Mr. Gurgovits.

Total average loans for the third quarter of 2010 increased on a linked-quarter basis by $60.8 million, or 4.1% annualized to $6.0 billion. Growth of the consumer loan portfolio was the primary driver of the increase, with average consumer loans increasing $64.2 million, or 10.1% annualized, in the third quarter. Within the consumer portfolio, average home equity

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 2 of 8

lending balances (comprised of lines of credit and direct installment loans) increased $50.9 million, or 14.5% annualized, during the third quarter due to the success of promotional initiatives and customer preferences for these products in a low interest rate environment.

Average commercial loans for the third quarter totaled $3.3 billion and were essentially unchanged compared to the prior quarter, reflecting growth in the Pennsylvania portfolio offset by reductions in the Florida portfolio. The average Pennsylvania commercial loan portfolio (excluding Florida) grew 0.6% annualized with growth in this portfolio tempered by accelerated pay-offs during the quarter.

Average deposits and treasury management balances grew $83.4 million, or 4.6% annualized, on a linked-quarter basis reflecting new customer accounts combined with higher average balances. During the third quarter of 2010, we continued to improve our funding mix with average transaction deposits increasing $58.9 million, or 5.4% annualized, and average treasury management balances growing $42.2 million or 27.1% annualized. Higher cost average time deposits declined $17.7 million, or 3.2% annualized, compared to the second quarter.

Non-Interest Income

Non-interest income totaled $27.8 million for the third quarter of 2010, decreasing from $28.4 million in the second quarter of 2010 due primarily to the $1.6 million gain in the second quarter related to the successful harvesting of a mezzanine financing relationship by F.N.B. Capital Corporation. In addition, as a result of improvement in the underlying collateral of pooled trust preferred securities, the third quarter does not include other-than-temporary impairment charges compared to $0.6 million in the second quarter.

Fee income for the third quarter of 2010 reflected increased swap fee revenue, as well as higher mortgage-related gains and title insurance commissions reflecting increased residential mortgage volume compared to the second quarter of 2010. Alternatively, service charges declined on a linked-quarter basis reflecting a decrease in overdraft fee revenue resulting from the implementation of Regulation E. Non-interest income, excluding other-than-temporary impairment charges and securities gains, represented 27% of revenue for the third quarter of 2010 compared to 28% for the second quarter of 2010.

Non-Interest Expense

Non-interest expense totaled $64.2 million in the third quarter of 2010, compared to $63.1 million in the second quarter of 2010. The linked-quarter increase reflects higher costs related to increased consumer loan volume and a $0.6 million increase in Florida-related other real estate owned (OREO) costs. The higher personnel costs in the third quarter are primarily due to higher commissions tied to increased insurance and mortgage-related revenue.

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 3 of 8

Credit Quality

“We remain very pleased with the performance of our Pennsylvania and Regency loan portfolios with both portfolios continuing to perform well. Our focus in the Florida portfolio remains the land-related segment, which represents only 1.3% of total loans at quarter-end. While this segment of the Florida portfolio remains subject to a challenging environment, it has been performing within our expectations. The Florida non-land related segment continues to be stable and perform as expected,” remarked Mr. Gurgovits.

The Pennsylvania loan portfolio’s credit quality metrics for the third quarter of 2010 reflect continued solid performance with results improving upon good second quarter results. The Pennsylvania loan portfolio totaled $5.6 billion at September 30, 2010 (93.7% of the total loan portfolio) and delivered credit quality metrics characterized by the reduction of total past due loans and non-performing assets, and stable net loan charge-offs on a linked-quarter basis. Net loan charge-offs totaled $4.5 million or 0.32% annualized of average loans for the third quarter of 2010 consistent with the prior quarter and representative of historically good results. Total past dues and non-accrual loans improved 9 basis points to 1.82% of total loans at September 30, 2010 and non-performing loans and OREO improved to $84.8 million or 1.50% of total loans and OREO. These improvements reflect the continued stability of the Pennsylvania portfolio.

The Florida loan portfolio totaled $213.4 million at September 30, 2010 (3.6% of the total loan portfolio) with the land-related portion of the portfolio decreasing $13.8 million to $79.4 million or only 1.3% of total loans at September 30, 2010. Activity for the third quarter in the Florida portfolio involved actions taken to reduce exposure and included the sale of three performing credits to a Florida-based community bank, payments on performing credits, charge-offs and continued movement of problem loans into OREO. Florida non-performing loans and OREO increased $16.5 million to $92.8 million or 39.5% of total Florida loans and OREO at September 30, 2010. The increase is the result of an adequately collateralized $20.0 million land-related credit moving to non-accrual status due to the uncertainty of the borrower’s ability to remain contractually current. Net loan charge-offs for the Florida portfolio for the third quarter of 2010 totaled $3.7 million and included a $3.5 million charge-off on a $13.5 million credit with $10.0 million moved to OREO. At September 30, 2010, the ratio of the allowance for loan losses to total loans for the Florida portfolio equaled 13.64%, a 199 basis point increase compared to June 30, 2010. The increased reserve position reflects continued additions to the reserve to provide for reappraisal risk associated with the Florida land-related segment due to limited activity and uncertainty regarding land values in Florida. The majority of reappraisals for the Florida land-related segment are scheduled to occur in the fourth quarter of 2010.

In total, during the third quarter of 2010, the ratio of the allowance for loan losses to total loans increased 3 basis points to 1.94%. The provision for loan losses totaled $12.3 million for the third quarter of 2010, consistent with $12.2 million in the second quarter of 2010, and

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 4 of 8

exceeded net charge-offs as we supported loan growth and provided additional reserves for the Florida land-related portfolio.

Capital Position

The Corporation’s capital ratios continue to exceed federal bank regulatory agency “well capitalized” thresholds. As of September 30, 2010, the Corporation’s regulatory capital ratios remained consistent with the second quarter as the increase in stockholders equity supported asset growth this quarter. The tangible common equity to tangible assets ratio (non-GAAP measure) of 5.96% at September 30, 2010 was consistent with 5.97% at June 30, 2010. The tangible book value per share (non-GAAP measure) increased 7 cents during the quarter to $4.38 and the dividend payout ratio for the quarter was 80%.

Year-to-Date Results

For the nine months ended September 30, 2010, F.N.B. Corporation’s net income totaled $51.1 million, or $0.45 per diluted share, compared to net income available to common shareholders of $28.2 million, or $0.29 per diluted common share for the nine months ended September 30, 2009. For the 2010 year-to-date period, return on average tangible common equity (non-GAAP measure) totaled 14.88%, return on average equity was 6.48%, return on average tangible assets (non-GAAP measure) was 0.88% and return on average assets was 0.77%.

Net interest income on a fully taxable equivalent basis totaled $217.1 million for the first nine months of 2010, an increase of $15.1 million or 7.5% over the same period of 2009, reflecting growth in average earning assets of 3.5% and a 15 basis point expansion of the net interest margin. On a year-over-year basis, average earning assets increased through growth in average loans of $126.8 million or 2.2%, and growth in average investments of $132.8 million, or 8.3%, reflecting the investment of increased balanced sheet liquidity. Year-over-year loan growth was driven by average commercial loan growth of $109.5 million or 3.4%. During the first nine months of 2010, average deposits and treasury management balances increased $478.1 million or 7.2%, with low-cost average transaction balances growing $366.7 million or 9.3% and average treasury management balances growing $174.4 million or 38.6%, compared to same period in 2009. The strong loan and deposit growth reflects our success in expanding market share through new client acquisition. The net interest margin for the first nine months of 2010 was 3.78%, a 15 basis point expansion from 2009. The margin expansion reflects lower deposit and borrowing costs driven by an improved funding mix in a low interest rate environment partially offset by lower yields on earning assets.

Non-interest income totaled $86.5 million for the first nine months of 2010, an increase of $6.3 million or 7.8%, compared to $80.2 million for the same period of 2009. Fee income on a year-over-year basis includes a 7.3% increase in trust-related revenue reflecting improved market conditions. Additionally, the first nine months of 2010 included higher gains on the sale of securities, higher recoveries on impaired loans acquired through acquisitions, the

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 5 of 8

gain related to the successful harvesting of a mezzanine financing relationship by F.N.B. Capital Corporation and lower other-than-temporary impairment charges. Partially offsetting these increases, insurance commissions and fees declined 6.1% and securities commissions and fees declined 2.4% reflecting lower sales of annuities in the lower interest rate environment. For the first nine months of 2010, service charges declined 0.7% due to decreased overdraft fee revenue resulting from changes in customer behavior and Regulation E implementation on August 15, 2010.

Non-interest expense totaled $192.8 million for the first nine months 2010, a 1.7% increase compared to $189.6 million for the same period of 2009. The increase was primarily a result of increased personnel costs and pre-payment charges associated with the repayment of FHLB debt in 2010, partially offset by lower FDIC insurance premiums due to the special assessment in 2009. The 5.5% increase in personnel costs primarily reflects higher employee benefits expense and salary costs associated with various revenue-generating initiatives such as the addition of an asset-based lending group and an expanded private banking group. On a year-to-date basis, F.N.B. Corporation’s efficiency ratio improved to 61.8% for 2010, compared to 65.3% in the same nine-month period in 2009 reflecting our continued focus on growing revenue and controlling expenses.

Net loan charge-offs were 0.55% annualized of total loans for the first nine months of 2010, representing an improvement from 0.91% annualized of total loans for the first nine months of 2009. The improvement reflects lower charge-offs in the Florida portfolio incurred during the first nine months of 2010. The provision for loan losses for the first nine months of 2010 totaled $36.5 million, a decrease of $4.4 million compared to $40.9 million for the same period of 2009. At September 30, 2010, the ratio of the allowance for loan losses to total loans equaled 1.94%, a 13 basis point increase compared to 1.81% at September 30, 2009. This primarily reflects the increase in the Florida portfolio ratio of the allowance for loan losses to total loans to 13.64% at September 30, 2010 compared to 9.80% at September 30, 2009. The increased Florida portfolio reserve position reflects additions to the reserve during the first nine months of 2010 to provide for reappraisal risk associated with the Florida land-related segment due to limited activity and uncertainty regarding land values in Florida. The majority of reappraisals for the Florida land-related segment are scheduled to occur during the fourth quarter of 2010.

The first nine months of 2009 included $8.3 million in costs associated with the preferred stock sold to the U.S. Treasury pursuant to the Capital Purchase Plan (CPP) in January 2009 and subsequently redeemed in September 2009.

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 6 of 8

Other Highlights

On August 9, 2010, F.N.B. Corporation and Comm Bancorp, Inc. (NASDAQ: CCBP) jointly announced the signing of a definitive merger agreement pursuant to which F.N.B. Corporation will acquire Comm Bancorp, Inc., a Clarks Summit, Pennsylvania based provider of diversified financial services, in a merger transaction valued at approximately $70 million. As previously announced, the transaction is expected to be completed during the fourth quarter of 2010, pending regulatory approval, the approval of Comm Bancorp, Inc. shareholders and the satisfaction of various closing conditions.

Conference Call

F.N.B. Corporation will host its quarterly conference call to discuss its financial results for the third quarter of 2010 on Tuesday, October 26, 2010, at 8:00 AM EDT. Participating callers may access the call by dialing (800) 289-0517 or (913) 312-0658 for international callers; the confirmation number is 7793246. The listen-only audio Webcast may be accessed through the “Shareholder and Investor Relations” section of the Corporation’s Web site at www.fnbcorporation.com.

A replay of the call will be available from 11:00 AM EDT the day of the call until midnight EDT on Tuesday, November 2, 2010. The replay is accessible by dialing (877) 870-5176 or (858) 384-5517 for international callers; the confirmation number is 7793246. The call transcript and Webcast will be available on 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 $9.0 billion as of September 30, 2010. 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 F.N.B. Commercial Leasing. It also operates consumer finance offices in Tennessee and loan production offices in Florida.

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” within the meaning of the Private Securities Litigation Reform Act, 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. Forward-looking statements are typically identified by words such as “believe”, “plan”, “expect”, “anticipate”, “intend”, “outlook”, “estimate”, “forecast”, “will”, “should”, “project”, “goal”, and other similar words and expressions. These forward-looking statements involve certain risks and uncertainties. There are a number of important

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 7 of 8

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 net interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) general economic conditions; (5) various monetary and fiscal policies and regulations of the U.S. Government 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; (8) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission; (9) housing prices; (10) job market; (11) consumer confidence and spending habits or (12) estimates of fair value of certain F.N.B. Corporation assets and liabilities. F.N.B. Corporation undertakes no obligation to revise these forward-looking statements or to reflect events or circumstances after the date of this press release.

Additional Information about the Merger with Comm Bancorp, Inc.

SHAREHOLDERS OF F.N.B. AND COMM BANCORP ARE ADVISED TO READ THE PROXY STATEMENT/PROSPECTUS WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION.

The proxy statement/prospectus and other relevant materials and any other documents filed by F.N.B. with the SEC may be obtained free of charge at the SEC’s Web site at www.sec.gov. In addition, investors and security holders may obtain free copies of the documents filed with the SEC by F.N.B. Corporation by contacting James Orie, F.N.B. Corporation, One F.N.B. Boulevard, Hermitage, PA 16148, telephone: (724) 983-3317 and by Comm Bancorp, Inc. by contacting Scott A. Seasock, EVP, Comm Bancorp, Inc., Clarks Summit, PA, 18411, telephone: (570) 587-3421, extension 323.

Comm Bancorp, Inc. and its directors, executive officers and other members of its management and employees may be deemed to be participants in the solicitation of proxies from its shareholders in connection with the proposed merger. Information concerning such participants’ ownership of Comm Bancorp, Inc. common stock is set forth in Comm Bancorp’s proxy statements and Annual Reports on Form 10-K, previously filed with the SEC. Additional information about the interests of those participants may be obtained from reading the proxy statement/prospectus relating to the merger when it becomes available.

# # #

Analyst/Institutional Investor Contact:
Cynthia Christopher 724-983-3429
724-815-3926 (cell)
christoc@fnb-corp.com

F.N.B. Corporation Reports Third Quarter 2010 Results, Page 8 of 8

Media Contact:
Jennifer Reel 724-983-4856
724-699-6389 (cell)
reel@fnb-corp.com

DATA SHEETS FOLLOW

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

														3rd Qtr 2010 -				3rd Qtr 2010 -
		2010								2009				2nd Qtr 2010				3rd Qtr 2009
		Third				Second				Third				Percent				Percent
		Quarter				Quarter				Quarter				Variance				Variance
Statement of earnings
Interest income		$	93,947			$	94,361			$	96,750				-0.4				-2.9
Interest expense			21,688				22,880				28,989				-5.2				-25.2
Net interest income			72,259				71,481				67,761				1.1				6.6
Taxable equivalent adjustment			1,666				1,665				1,644				0.1				1.3
Net interest income (FTE) (1)			73,925				73,146				69,405				1.1				6.5
Provision for loan losses			12,313				12,239				16,455				0.6				-25.2
Net interest income after provision (FTE)			61,612				60,907				52,950				1.2				16.4
Impairment losses on securities			0				(1,313	)			(14,234	)			n/m				n/m
Non-credit related losses on securities not expected to be sold (recognized in other comprehensive income)			0				711				10,943				n/m				n/m
Net impairment losses on securities			0				(602	)			(3,291	)			n/m				n/m
Service charges			14,250				14,662				14,760				-2.8				-3.5
Insurance commissions and fees			3,921				3,849				3,960				1.9				-1.0
Securities commissions and fees			1,794				1,771				1,451				1.3				23.6
Trust income			3,084				3,188				2,856				-3.3				8.0
Gain on sale of securities			80				47				154				71.3				-48.3
Gain on sale of loans			964				808				666				19.3				44.9
Other			3,661				4,720				3,189				-22.4				14.8
Total non-interest income			27,754				28,443				23,745				-2.4				16.9
Salaries and employee benefits			33,831				33,392				31,377				1.3				7.8
Occupancy and equipment			9,267				9,446				9,258				-1.9				0.1
Amortization of intangibles			1,675				1,679				1,732				-0.2				-3.3
Other			19,474				18,567				19,954				4.9				-2.4
Total non-interest expense			64,247				63,084				62,321				1.8				3.1
Income before income taxes			25,119				26,266				14,374				-4.4				74.7
Taxable equivalent adjustment			1,666				1,665				1,644				0.1				1.3
Income taxes (benefit)			6,236				6,679				2,424				-6.6				157.3
Net income			17,217				17,922				10,306				-3.9				67.1
Preferred stock dividends and discount amortization			0				0				5,496				n/m				n/m
Net income available to common shareholders		$	17,217			$	17,922			$	4,810				-3.9				257.9
Earnings per common share
Basic		$	0.15			$	0.16			$	0.04				-6.3				275.0
Diluted		$	0.15			$	0.16			$	0.04				-6.3				275.0
Performance ratios
Return on average equity			6.43	%			6.83	%			3.62	%
Return on average tangible common equity (2)(6)			14.56	%			15.65	%			4.85	%
Return on average assets			0.76	%			0.81	%			0.47	%
Return on average tangible assets (3)(6)			0.87	%			0.92	%			0.56	%
Net interest margin (FTE) (1)(9)			3.78	%			3.81	%			3.66	%
Yield on earning assets (FTE) (1)(9)			4.89	%			5.00	%			5.18	%
Cost of funds			1.28	%			1.37	%			1.76	%
Efficiency ratio (FTE) (1)(4)(9)			61.54	%			60.45	%			65.04	%
Effective tax rate			26.59	%			27.15	%			19.04	%
Common stock data
Average basic shares outstanding			113,983,990				113,878,018				113,571,703				0.1				0.4
Average diluted shares outstanding			114,486,251				114,315,177				113,869,785				0.1				0.5
Ending shares outstanding			114,632,850				114,532,890				113,990,095				0.1				0.6
Common book value per share		$	9.29			$	9.24			$	9.23				0.6				0.6
Tangible common book value per share (6)		$	4.38			$	4.31			$	4.24				1.6				3.4
Tangible common book value per share excluding AOCI (5)(6)		$	4.58			$	4.53			$	4.50				1.2				2.0
Dividend payout ratio (common)			80.31	%			77.09	%			285.14	%

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

		For the Nine Months
		Ended September 30,								Percent
		2010				2009				Variance
Statement of earnings
Interest income		$	280,854			$	292,058				-3.8
Interest expense			68,709				94,711				-27.5
Net interest income			212,145				197,347				7.5
Taxable equivalent adjustment			4,969				4,689				6.0
Net interest income (FTE) (1)			217,114				202,036				7.5
Provision for loan losses			36,516				40,878				-10.7
Net interest income after provision (FTE)			180,598				161,158				12.1
Impairment losses on securities			(9,539	)			(15,866	)			n/m
Non-credit related losses on securities not expected to be sold (recognized in other comprehensive income)			7,251				11,632				n/m
Net impairment losses on securities			(2,288	)			(4,234	)			n/m
Service charges			42,634				42,955				-0.7
Insurance commissions and fees			12,094				12,878				-6.1
Securities commissions and fees			5,122				5,247				-2.4
Trust income			9,430				8,786				7.3
Gain on sale of securities			2,517				498				404.9
Gain on sale of loans			2,339				2,341				-0.1
Other			14,624				11,731				24.7
Total non-interest income			86,472				80,202				7.8
Salaries and employee benefits			100,348				95,096				5.5
Occupancy and equipment			28,784				28,806				-0.1
Amortization of intangibles			5,041				5,360				-6.0
Other			58,601				60,296				-2.8
Total non-interest expense			192,774				189,558				1.7
Income before income taxes			74,296				51,802				43.4
Taxable equivalent adjustment			4,969				4,689				6.0
Income taxes (benefit)			18,208				10,558				72.5
Net income			51,119				36,555				39.8
Preferred stock dividends and discount amortization			0				8,308				n/m
Net income available to common shareholders		$	51,119			$	28,247				81.0
Earnings per common share
Basic		$	0.45			$	0.29				55.2
Diluted		$	0.45			$	0.29				55.2
Performance ratios
Return on average equity			6.48	%			4.58	%
Return on average tangible common equity (2)(6)			14.88	%			10.37	%
Return on average assets			0.77	%			0.57	%
Return on average tangible assets (3)(6)			0.88	%			0.67	%
Net interest margin (FTE) (1)(9)			3.78	%			3.63	%
Yield on earning assets (FTE) (1)(9)			4.97	%			5.34	%
Cost of funds			1.37	%			1.95	%
Efficiency ratio (FTE) (1)(4)(9)			61.84	%			65.26	%
Effective tax rate			26.26	%			22.41	%
Common stock data
Average basic shares outstanding			113,871,635				98,869,326				15.2
Average diluted shares outstanding			114,288,600				99,104,112				15.3
Ending shares outstanding			114,632,850				113,990,095				0.6
Common book value per share		$	9.29			$	9.23				0.6
Tangible common book value per share (6)		$	4.38			$	4.24				3.4
Tangible common book value per share excluding AOCI (5)(6)		$	4.58			$	4.50				2.0
Dividend payout ratio (common)			81.01	%			125.01	%

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

														3rd Qtr 2010 -				3rd Qtr 2010 -
		2010								2009				2nd Qtr 2010				3rd Qtr 2009
		Third				Second				Third				Percent				Percent
		Quarter				Quarter				Quarter				Variance				Variance
Average balances
Total assets		$	8,958,692			$	8,874,430			$	8,701,853				0.9				3.0
Earning assets (9)			7,773,915				7,697,232				7,549,614				1.0				3.0
Securities			1,612,612				1,599,216				1,466,176				0.8				10.0
Short-term investments (9)			162,377				159,874				269,425				1.6				-39.7
Loans, net of unearned income			5,998,926				5,938,142				5,814,013				1.0				3.2
Allowance for loan losses			117,982				113,531				103,249				3.9				14.3
Goodwill and intangibles			563,631				565,294				570,705				-0.3				-1.2
Deposits and treasury management accounts (7)			7,247,270				7,163,916				6,740,656				1.2				7.5
Short-term borrowings			129,752				126,972				118,274				2.2				9.7
Long-term debt			208,433				228,959				412,411				-9.0				-49.5
Trust preferred securities			204,287				204,455				204,962				-0.1				-0.3
Shareholders’ equity — common			1,062,512				1,052,569				1,056,171				0.9				0.6
Shareholders’ equity — preferred			0				0				72,727				n/m				n/m
Asset quality data
Non-accrual loans		$	135,661			$	132,412			$	125,630				2.5				8.0
Restructured loans			18,735				17,270				8,282				8.5				126.2
Non-performing loans			154,396				149,682				133,912				3.1				15.3
Other real estate owned			32,345				22,952				19,741				40.9				63.8
Total non-performing loans and OREO			186,741				172,634				153,653				8.2				21.5
Non-performing investments (8)			5,163				4,661				5,758				10.8				-10.3
Non-performing assets		$	191,904			$	177,295			$	159,411				8.2				20.4
Net loan charge-offs		$	9,726			$	7,791			$	9,978				24.8				-2.5
Allowance for loan losses			116,627				114,040				105,892				2.3				10.1
Non-performing loans / total loans			2.57	%			2.51	%			2.29	%
Non-performing loans + OREO / total loans + OREO			3.09	%			2.88	%			2.62	%
Non-performing assets / total assets			2.13	%			2.01	%			1.85	%
Allowance for loan losses / total loans			1.94	%			1.91	%			1.81	%
Allowance for loan losses / non-performing loans			75.54	%			76.19	%			79.08	%
Net loan charge-offs (annualized) / average loans			0.64	%			0.53	%			0.68	%
Balances at period end
Total assets		$	8,993,043			$	8,833,060			$	8,595,872				1.8				4.6
Earning assets (9)			7,794,305				7,647,064				7,442,619				1.9				4.7
Loans, net of unearned income			6,004,577				5,967,570				5,837,402				0.6				2.9
Deposits and treasury management accounts (7)			7,284,967				7,141,210				6,737,098				2.0				8.1
Total equity			1,064,846				1,058,004				1,052,589				0.6				1.2
Capital ratios
Equity/assets (period end)			11.84	%			11.98	%			12.25	%
Leverage ratio			8.63	%			8.63	%			8.73	%
Tangible equity/tangible assets (period end) (6)			5.96	%			5.97	%			6.02	%
Tangible common equity/tangible assets (period end)(5)			5.96	%			5.97	%			6.02	%
Tangible common equity, excluding AOCI/ tangible assets (period end)(5)(6)			6.23	%			6.28	%			6.39	%

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

		For the Nine Months
		Ended September 30,								Percent
		2010				2009				Variance
Average balances
Total assets		$	8,860,202			$	8,580,797				3.3
Earning assets (9)			7,680,608				7,421,031				3.5
Securities			1,565,199				1,369,059				14.3
Short-term investments (9)			172,755				236,074				-26.8
Loans, net of unearned income			5,942,654				5,815,899				2.2
Allowance for loan losses			113,292				105,681				7.2
Goodwill and intangibles			565,290				572,444				-1.2
Deposits and treasury management accounts (7)			7,138,823				6,660,689				7.2
Short-term borrowings			129,809				108,919				19.2
Long-term debt			233,238				444,087				-47.5
Trust preferred securities			204,454				205,130				-0.3
Shareholders’ equity — common			1,054,115				981,647				7.4
Shareholders’ equity — preferred			0				85,035				n/m
Asset quality data
Non-accrual loans		$	135,661			$	125,630				8.0
Restructured loans			18,735				8,282				126.2
Non-performing loans			154,396				133,912				15.3
Other real estate owned			32,345				19,741				63.8
Total non-performing loans and OREO			186,741				153,653				21.5
Non-performing investments (8)			5,163				5,758				-10.3
Non-performing assets		$	191,904			$	159,411				20.4
Net loan charge-offs		$	24,544			$	39,731				-38.2
Allowance for loan losses			116,627				105,892				10.1
Non-performing loans / total loans			2.57	%			2.29	%
Non-performing loans + OREO / total loans + OREO			3.09	%			2.62	%
Non-performing assets / total assets			2.13	%			1.85	%
Allowance for loan losses / total loans			1.94	%			1.81	%
Allowance for loan losses / non-performing loans			75.54	%			79.08	%
Net loan charge-offs (annualized) / average loans			0.55	%			0.91	%
Balances at period end
Total assets		$	8,993,043			$	8,595,872				4.6
Earning assets (9)			7,794,305				7,442,619				4.7
Loans, net of unearned income			6,004,577				5,837,402				2.9
Deposits and treasury management accounts (7)			7,284,967				6,737,098				8.1
Total equity			1,064,846				1,052,589				1.2
Capital ratios
Equity/assets (period end)			11.84	%			12.25	%
Leverage ratio			8.63	%			8.73	%
Tangible equity/tangible assets (period end) (6)			5.96	%			6.02	%
Tangible common equity/tangible assets (period end) (5)			5.96	%			6.02	%
Tangible common equity, excluding AOCI/ tangible assets (period end) (5) (6)			6.23	%			6.39	%

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

														3rd Qtr 2010 -				3rd Qtr 2010 -
		2010								2009				2nd Qtr 2010				3rd Qtr 2009
		Third				Second				Third				Percent				Percent
		Quarter				Quarter				Quarter				Variance				Variance
Average balances
Loans:
Commercial		$	3,301,993			$	3,311,030			$	3,195,950				-0.3				3.3
Direct installment			990,453				969,007				997,319				2.2				-0.7
Residential mortgages			625,167				616,267				613,375				1.4				1.9
Indirect installment			521,815				517,452				544,002				0.8				-4.1
Consumer LOC			455,971				426,471				383,207				6.9				19.0
Other			103,527				97,915				80,160				5.7				29.2
Total loans		$	5,998,926			$	5,938,142			$	5,814,013				1.0				3.2
Deposits:
Non-interest bearing deposits		$	1,077,797			$	1,028,631			$	951,112				4.8				13.3
Savings and NOW			3,307,256				3,297,537				3,101,168				0.3				6.6
Certificates of deposit and other time deposits			2,201,454				2,219,194				2,223,126				-0.8				-1.0
Total deposits			6,586,507				6,545,362				6,275,406				0.6				5.0
Treasury management accounts (7)			660,763				618,554				465,250				6.8				42.0
Total deposits and treasury management accounts (7)		$	7,247,270			$	7,163,916			$	6,740,656				1.2				7.5
Balances at period end
Loans:
Commercial		$	3,299,230			$	3,304,493			$	3,226,720				-0.2				2.2
Direct installment			994,614				983,857				993,863				1.1				0.1
Residential mortgages			612,484				615,232				594,586				-0.4				3.0
Indirect installment			519,366				521,679				544,579				-0.4				-4.6
Consumer LOC			473,606				438,039				395,366				8.1				19.8
Other			105,277				104,270				82,288				1.0				27.9
Total loans		$	6,004,577			$	5,967,570			$	5,837,402				0.6				2.9
Deposits:
Non-interest bearing deposits		$	1,103,393			$	1,039,631			$	972,859				6.1				13.4
Savings and NOW			3,307,698				3,280,076				3,072,601				0.8				7.7
Certificates of deposit and other time deposits			2,186,737				2,214,951				2,213,323				-1.3				-1.2
Total deposits			6,597,828				6,534,658				6,258,783				1.0				5.4
Treasury management accounts (7)			687,139				606,552				478,315				13.3				43.7
Total deposits and treasury management accounts (7)		$	7,284,967			$	7,141,210			$	6,737,098				2.0				8.1

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

		For the Nine Months
		Ended September 30,								Percent
		2010				2009				Variance
Average balances
Loans:
Commercial		$	3,298,253			$	3,188,766				3.4
Direct installment			978,249				1,020,690				-4.2
Residential mortgages			618,130				627,642				-1.5
Indirect installment			519,205				538,764				-3.6
Consumer LOC			431,532				365,078				18.2
Other			97,285				74,959				29.8
Total loans		$	5,942,654			$	5,815,899				2.2
Deposits:
Non-interest bearing deposits		$	1,025,847			$	928,238				10.5
Savings and NOW			3,274,280				3,005,164				9.0
Certificates of deposit and other time deposits			2,213,129				2,276,079				-2.8
Total deposits			6,513,256				6,209,481				4.9
Treasury management accounts (7)			625,567				451,208				38.6
Total deposits and treasury management accounts (7)		$	7,138,823			$	6,660,689				7.2
Balances at period end
Loans:
Commercial		$	3,299,230			$	3,226,720				2.2
Direct installment			994,614				993,863				0.1
Residential mortgages			612,484				594,586				3.0
Indirect installment			519,366				544,579				-4.6
Consumer LOC			473,606				395,366				19.8
Other			105,277				82,288				27.9
Total loans		$	6,004,577			$	5,837,402				2.9
Deposits:
Non-interest bearing deposits		$	1,103,393			$	972,859				13.4
Savings and NOW			3,307,698				3,072,601				7.7
Certificates of deposit and other time deposits			2,186,737				2,213,323				-1.2
Total deposits			6,597,828				6,258,783				5.4
Treasury management accounts (7)			687,139				478,315				43.7
Total deposits and treasury management accounts (7)		$	7,284,967			$	6,737,098				8.1

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

		Third Quarter 2010
		Bank — PA				Bank — FL				Regency				Total
Asset quality data, by core portfolio
Non-accrual loans		$	62,634			$	71,210			$	1,817			$	135,661
Restructured loans			12,670				0				6,065				18,735
Non-performing loans			75,304				71,210				7,882				154,396
Other real estate owned			9,458				21,548				1,339				32,345
Total non-performing loans and OREO			84,762				92,758				9,221				186,741
Non-performing investments (8)			5,163				0				0				5,163
Non-performing assets		$	89,925			$	92,758			$	9,221			$	191,904
Net loan charge-offs		$	4,462			$	3,694			$	1,570			$	9,726
Provision for loan losses			4,796				5,867				1,650				12,313
Allowance for loan losses			80,729				29,114				6,784				116,627
Loans, net of unearned income			5,629,633				213,436				161,508				6,004,577
Non-performing loans / total loans			1.34	%			33.36	%			4.88	%			2.57	%
Non-performing loans + OREO / total loans + OREO			1.50	%			39.47	%			5.66	%			3.09	%
Non-performing assets / total assets			1.05	%			45.06	%			5.48	%			2.13	%
Allowance for loan losses / total loans			1.43	%			13.64	%			4.20	%			1.94	%
Allowance for loan losses / non-performing loans			107.20	%			40.88	%			86.07	%			75.54	%
Net loan charge-offs (annualized) / average loans			0.32	%			6.59	%			3.84	%			0.64	%
Loans 30 - 89 days past due		$	32,846			$	1,000			$	2,402			$	36,248
Loans 90+ days past due			7,007				0				2,187				9,194
Non-accrual loans			62,634				71,210				1,817				135,661
Total past due and non-accrual loans		$	102,487			$	72,210			$	6,406			$	181,103
Total past due and non-accrual loans/total loans			1.82	%			33.83	%			3.97	%			3.02	%

		Second Quarter 2010
		Bank — PA				Bank — FL				Regency				Total
Asset quality data, by core portfolio
Non-accrual loans		$	66,391			$	64,063			$	1,958			$	132,412
Restructured loans			11,233				0				6,037				17,270
Non-performing loans			77,624				64,063				7,995				149,682
Other real estate owned			9,626				12,245				1,081				22,952
Total non-performing loans and OREO			87,250				76,308				9,076				172,634
Non-performing investments (8)			4,661				0				0				4,661
Non-performing assets		$	91,911			$	76,308			$	9,076			$	177,295
Net loan charge-offs		$	4,442			$	1,900			$	1,449			$	7,791
Provision for loan losses			4,494				6,168				1,577				12,239
Allowance for loan losses			80,396				26,940				6,704				114,040
Loans, net of unearned income			5,576,734				231,237				159,599				5,967,570
Non-performing loans / total loans			1.39	%			27.70	%			5.01	%			2.51	%
Non-performing loans + OREO / total loans + OREO			1.56	%			31.34	%			5.65	%			2.88	%
Non-performing assets / total assets			1.09	%			35.24	%			5.45	%			2.01	%
Allowance for loan losses / total loans			1.44	%			11.65	%			4.20	%			1.91	%
Allowance for loan losses / non-performing loans			103.57	%			42.05	%			83.85	%			76.19	%
Net loan charge-offs (annualized) / average loans			0.32	%			3.23	%			3.73	%			0.53	%
Loans 30 - 89 days past due		$	35,005			$	0			$	2,070			$	37,075
Loans 90+ days past due			5,285				0				2,288				7,573
Non-accrual loans			66,391				64,063				1,958				132,412
Total past due and non-accrual loans		$	106,681			$	64,063			$	6,316			$	177,060
Total past due and non-accrual loans/total loans			1.91	%			27.70	%			3.96	%			2.97	%