Exhibit 12

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

	Nine Months
	Ended September 30						Year Ended December 31
	2008			2007			2007			2006			2005			2004			2003
Earnings:
Income from continuing operations before income taxes	$	75,923		$	73,943		$	98,139		$	97,186		$	77,105		$	89,332		$	36,004
Fixed charges, excluding interest on deposits		36,407			38,369			51,510			48,839			44,468			33,523			31,313
Subtotal		112,330			112,312			149,649			146,025			121,573			122,855			67,317
Interest on deposits		84,190			93,686			124,276			106,679			66,112			52,400			57,710
Total	$	196,520		$	205,998		$	273,925		$	252,704		$	187,685		$	175,255		$	125,027
Fixed charges:
Interest on borrowed funds	$	35,006		$	36,943		$	49,777		$	46,906		$	42,668		$	31,990		$	29,280
Interest component of rental expense		1,401			1,426			1,733			1,933			1,800			1,533			2,033
Subtotal		36,407			38,369			51,510			48,839			44,468			33,523			31,313
Interest on deposits		84,190			93,686			124,276			106,679			66,112			52,400			57,710
Total	$	120,597		$	132,055		$	175,786		$	155,518		$	110,580		$	85,923		$	89,023
Ratio of earnings to fixed charges:
Excluding interest on deposits		3.09	x		2.93	x		2.91	x		2.99	x		2.73	x		3.66	x		2.15	x
Including interest on deposits		1.63	x		1.56	x		1.56	x		1.62	x		1.70	x		2.04	x		1.40	x