F.N.B. Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,996	1,985	1,754	1,117	886
Interest Income on Investments	329.66	267	219	168	119
Total Interest Income	2,326	2,252	1,973	1,285	1,005
Interest Paid on Deposits	737.07	754	495	108	47
Interest Paid on Borrowings	192.72	218	161	57	51
Total Interest Expense	929.79	972	656	165	98
Net Interest Income	1,396	1,280	1,317	1,120	907
Net Interest Income Growth (YoY)	9.04%	-2.81%	17.59%	23.48%	-1.63%
Trust Income	47.85	46	43	39	37
Mortgage Banking Activities	28.11	26.9	21.2	18.5	32.2
Gain (Loss) on Sale of Investments	0.06	-34	-67	0.05	0.19
Other Non-Interest Income	293.27	277	257	262.95	255.81
Total Non-Interest Income	369.29	315.9	254.2	320.5	325.2
Non-Interest Income Growth (YoY)	16.90%	24.27%	-20.69%	-1.44%	-0.17%
Revenues Before Loan Losses	1,765	1,596	1,571	1,441	1,232
Provision for Loan Losses	85.95	80	72	64	1
Revenue	1,679	1,516	1,499	1,377	1,231
Revenue Growth (YoY)	10.77%	1.11%	8.91%	11.80%	9.46%
Salaries and Employee Benefits	530.33	487	444	404	397
Occupancy Expenses	78.05	79	70	68	58
Federal Deposit Insurance	28.34	41	61	20	18
Amortization of Goodwill & Intangibles	-	-	-	-	12
Selling, General & Administrative	235.09	232	210	187	176
Other Non-Interest Expense	137.94	122	130	147	70
Total Non-Interest Expense	1,010	961	915	826	731
EBT Excluding Unusual Items	669.36	554.9	584.2	550.5	500.2
Asset Writedown	-	0.1	-0.2	2.5	4.8
Pretax Income	669.36	555	584	553	503
Income Tax Expense	103.97	90	99	114	98
Net Income	565.39	465	485	439	405
Preferred Dividends & Other Adjustments	-	6	8	8	8
Net Income to Common	565.39	459	477	431	397
Net Income Growth	21.59%	-4.12%	10.48%	8.39%	41.61%
Basic Shares Outstanding	360	361	361	350	320
Diluted Shares Outstanding	362	363	363	354	323
Shares Change (YoY)	-0.19%	-0.07%	2.50%	9.45%	-0.62%
EPS (Basic)	1.57	1.27	1.32	1.23	1.24
EPS (Diluted)	1.56	1.27	1.31	1.22	1.23
EPS Growth	22.84%	-3.06%	7.38%	-0.81%	44.71%
Dividend Per Share	0.480	0.480	0.480	0.480	0.480
Effective Tax Rate	15.53%	16.22%	16.95%	20.61%	19.48%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.