BUSINESS SEGMENTS (Tables)

6 Months Ended

Jun. 30, 2017

Financial Information for Segments of FNB

The following tables provide financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the consolidated financial statements.



(in thousands)	Community Banking		Wealth Management		Insurance			Consumer Finance		Parent and Other			Consolidated
At or for the Three Months Ended June 30, 2017
Interest income	$	241,917	$	—	$	19		$	10,114	$	(1,016	)	$	251,034
Interest expense	28,414		—		—			888		3,317			32,619
Net interest income	213,503		—		19			9,226		(4,333		)	218,415
Provision for credit losses	14,738		—		—			2,018		—			16,756
Non-interest income	53,031		9,821		3,496			770		(1,040		)	66,078
Non-interest expense⁽¹⁾	141,441		7,987		3,456			5,288		729			158,901
Amortization of intangibles	4,694		65		54			—		—			4,813
Income tax expense (benefit)	30,200		651		10			1,073		(2,317		)	29,617
Net income (loss)	75,461		1,118		(5		)	1,617		(3,785		)	74,406
Total assets	30,487,402		22,028		22,311			183,859		38,126			30,753,726
Total intangibles	2,352,054		10,288		12,231			1,809		—			2,376,382
At or for the Three Months Ended June 30, 2016
Interest income	$	161,691	$	—	$	21		$	10,126	$	(907	)	$	170,931
Interest expense	13,767		—		—			930		1,865			16,562
Net interest income	147,924		—		21			9,196		(2,772		)	154,369
Provision for credit losses	15,168		—		—			1,472		—			16,640
Non-interest income	39,137		9,183		3,268			754		(931		)	51,411
Non-interest expense ⁽¹⁾	110,201		6,960		3,276			5,372		432			126,241
Amortization of intangibles	3,180		64		144			—		—			3,388
Income tax expense (benefit)	17,665		782		(41		)	1,208		(1,403		)	18,211
Net income	40,847		1,377		(90		)	1,898		(2,732		)	41,300
Total assets	20,989,188		20,044		22,732			196,603		(13,600		)	21,214,967
Total intangibles	1,080,385		10,318		12,479			1,809		—			1,104,991

(1) Excludes amortization of intangibles, which is presented separately.



(in thousands)	Community Banking		Wealth Management		Insurance		Consumer Finance		Parent and Other			Consolidated
At or for the Six Months Ended June 30, 2017
Interest income	$	427,298	$	—	$	39	$	20,016	$	(1,626	)	$	445,727
Interest expense	47,279		—		—		1,810		5,471			54,560
Net interest income	380,019		—		39		18,206		(7,097		)	391,167
Provision for credit losses	23,802		—		—		3,804		—			27,606
Non-interest income	93,748		19,370		7,821		1,480		(1,225		)	121,194
Non-interest expense ⁽¹⁾	309,725		15,527		6,771		10,519		816			343,358
Amortization of intangibles	7,676		126		109		—		—			7,911
Income tax expense (benefit)	36,511		1,362		357		2,140		(4,269		)	36,101
Net income (loss)	96,053		2,355		623		3,223		(4,869		)	97,385
Total assets	30,487,402		22,028		22,311		183,859		38,126			30,753,726
Total intangibles	2,352,054		10,288		12,231		1,809		—			2,376,382
At or for the Six Months Ended June 30, 2016
Interest income	$	308,275	$	—	$	43	$	19,911	$	(1,544	)	$	326,685
Interest expense	26,362		—		—		1,871		3,729			31,962
Net interest income	281,913		—		43		18,040		(5,273		)	294,723
Provision for credit losses	25,410		—		—		2,998		—			28,408
Non-interest income	69,923		17,999		7,462		1,470		601			97,455
Non-interest expense ⁽¹⁾	228,536		14,049		6,577		10,576		502			260,240
Amortization of intangibles	5,621		129		287		—		—			6,037
Income tax expense (benefit)	28,282		1,387		234		2,320		(2,162		)	30,061
Net income	63,987		2,434		407		3,616		(3,012		)	67,432
Total assets	20,989,188		20,044		22,732		196,603		(13,600		)	21,214,967
Total intangibles	1,080,385		10,318		12,479		1,809		—			1,104,991

(1) Excludes amortization of intangibles, which is presented separately.