Financial insights of FNB

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Preferred stock dividends	-	0	0	0
Loans and leases, including fees	486	504	511	501
Taxable	61	60	60	57
Tax-exempt	7	7	7	7
Other	15	17	18	18
Total interest income	569	588	596	583
Deposits	169	182	188	181
Short-term borrowings	18	16	18	20
Long-term borrowings	23	24	31	34
Total interest expense	210	222	237	235
Net interest income	359	366	359	348
Provision for credit losses	18	19	24	26
Net securities gains (losses)	-	0	-	-
Net interest income after provision for credit losses	341	347	335	322
Service charges	23	24	23	23
Interchange and card transaction fees	13	13	13	14
Trust services	13	12	12	11
Insurance commissions and fees	6	4	5	5
Securities commissions and fees	9	9	9	9
Capital markets income	7	7	8	7
Mortgage banking operations	6	6	9	6
Dividends on non-marketable equity securities	6	6	6	6
Bank owned life insurance	4	5	4	4
Other	4	6	9	6
Total non-interest income	91	92	98	91
Salaries and employee benefits	136	134	131	130
Net occupancy	23	20	19	19
Equipment	28	28	26	28
Outside services	26	30	26	26
Marketing	4	5	5	5
Fdic insurance	7	4	7	9
Bank shares tax	5	1	4	4
Other	29	52	25	26
Total non-interest expense	258	274	243	247
Income before income taxes	174	165	190	166
Income taxes	37	-3	40	36
Net income	137	168	150	130
Net Income Loss Available To Common Stockholders Basic	-	168	150	-
Net income available to common shareholders	-	168	150	130

Basic EPS	0.38	0.467	0.41	0.36
Diluted EPS	0.38	0.466	0.41	0.36
Basic Average Shares	359,490,102	359,647,688	360,562,829	361,417,949
Diluted Average Shares	360,234,607	360,818,710	361,669,618	362,258,964

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.