EXHIBIT 12

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

Year Ended December 31	2006		2005		2004		2003		2002
Earnings:
Income from continuing operations before income taxes	$	97,186	$	77,105	$	89,332	$	36,004	$	44,999
Fixed charges, excluding interest on deposits		48,839		44,468		33,523		31,313		27,461
Subtotal		146,025		121,573		122,855		67,317		72,460
Interest on deposits		106,679		66,112		52,400		57,710		72,978
Total	$	252,704	$	187,685	$	175,255	$	125,027	$	145,438
Fixed charges:
Interest on borrowed funds	$	46,906	$	42,668	$	31,990	$	29,280	$	25,394
Interest component of rental expense		1,933		1,800		1,533		2,033		2,067
Subtotal		48,839		44,468		33,523		31,313		27,461
Interest on deposits		106,679		66,112		52,400		57,710		72,978
Total	$	155,518	$	110,580	$	85,923	$	89,023	$	100,439
Ratio of earnings to fixed charges:
Excluding interest on deposits		2.99x		2.73x		3.66x		2.15x		2.64x
Including interest on deposits		1.62x		1.70x		2.04x		1.40x		1.45x