EXHIBIT 12

F.N.B. Corporation and Subsidiaries
Computation of Ratio of Earnings to Fixed Charges
Dollars in thousands

	Six Months Ended
	June 30,						Year Ended December 31,
	2010			2009			2009			2008			2007			2006			2005
Earnings:
Income before income taxes	$	45,874		$	34,383		$	50,380		$	42,832		$	98,139		$	97,186		$	77,105
Fixed charges, excluding interest on deposits		13,710			23,633			41,565			48,321			51,510			48,839			44,468
Less: Preferred stock dividends		0			(3,685	)		(4,085	)		0			0			0			0
Subtotal		59,584			54,330			87,860			91,153			149,649			146,025			121,573
Interest on deposits		34,330			46,772			85,699			111,568			124,276			106,679			66,112
Total	$	93,914		$	101,102		$	173,559		$	202,721		$	273,925		$	252,704		$	187,685
Fixed charges:
Interest on borrowed funds	$	12,691		$	18,950		$	35,480		$	46,421		$	49,777		$	46,906		$	42,668
Interest component of rental expense		1,019			997			2,000			1,900			1,733			1,933			1,800
Preferred stock dividends		0			3,685			4,085			0			0			0			0
Subtotal		13,710			23,633			41,565			48,321			51,510			48,839			44,468
Interest on deposits		34,330			46,772			85,699			111,568			124,276			106,679			66,112
Total	$	48,040		$	70,405		$	127,264		$	159,889		$	175,786		$	155,518		$	110,580
Ratio of earnings to fixed charges:
Excluding interest on deposits		4.35	x		2.54	x		2.24	x		1.89	x		2.91	x		2.99	x		2.73	x
Including interest on deposits		1.95	x		1.46	x		1.38	x		1.27	x		1.56	x		1.62	x		1.70	x
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		4.35	x		2.30	x		2.11	x		1.89	x		2.91	x		2.99	x		2.73	x
Including interest on deposits		1.95	x		1.44	x		1.36	x		1.27	x		1.56	x		1.62	x		1.70	x