Exhibit 99.1

F.N.B. Corporation

Investor Presentation

Sterne Agee Financial Institutions Investor Conference

February 13, 2012

Vincent J. Delie, Jr.

President and Chief Executive Officer

Vincent J. Calabrese

Chief Financial Officer

F.N.B. Corporation

Cautionary Statement Regarding Forward-Looking Information and Non-GAAP Financial Information

This presentation and the reports F.N.B. Corporation files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and, specifically, the financial operations, markets and products of F.N.B. Corporation. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause F.N.B. Corporation’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among financial institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) general economic conditions; (5) various monetary and fiscal policies and regulations of the U.S. government that may adversely affect the businesses in which F.N.B. Corporation is engaged; (6) technological issues which may adversely affect F.N.B. Corporation’s financial operations or customers; (7) changes in the securities markets; (8) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission; (9) housing prices; (10) job market; (11) consumer confidence and spending habits; (12) estimates of fair value of certain F.N.B. Corporation assets and liabilities or (13) the effects of current, pending and future legislation, regulation and regulatory actions. F.N.B. Corporation undertakes no obligation to revise these forward-looking statements or to reflect events or circumstances after the date of this presentation.

To supplement its consolidated financial statements presented in accordance with Generally Accepted Accounting Principles (GAAP), the Corporation provides additional measures of operating results, net income and earnings per share (EPS) adjusted to exclude certain costs, expenses, and gains and losses. The Corporation believes that these non-GAAP financial measures are appropriate to enhance the understanding of its past performance as well as prospects for its future performance. In the event of such a disclosure or release, the Securities and Exchange Commission’s Regulation G requires: (i) the presentation of the most directly comparable financial measure calculated and presented in accordance with GAAP and (ii) a reconciliation of the differences between the non-GAAP financial measure presented and the most directly comparable financial measure calculated and presented in accordance with GAAP. The required presentations and reconciliations are contained herein and can be found at our website, www.fnbcorporation.com, under “Shareholder and Investor Relations” by clicking on “Non-GAAP Reconciliation.”

The Appendix to this presentation contains non-GAAP financial measures used by the Corporation to provide information useful to investors in understanding the Corporation’s operating performance and trends, and facilitate comparisons with the performance of the Corporation’s peers. While the Corporation believes that these non-GAAP financial measures are useful in evaluating the Corporation, the information should be considered supplemental in nature and not as a substitute for or superior to the relevant financial information prepared in accordance with GAAP. The non-GAAP financial measures used by the Corporation may differ from the non-GAAP financial measures other financial institutions use to measure their results of operations. This information should be reviewed in conjunction with the Corporation’s financial results disclosed on January 24, 2012 and in its periodic filings with the Securities and Exchange Commission.

F.N.B. Corporation

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F.N.B. Corporation

Fourth Largest Bank in Pennsylvania

–Assets(1) $11.6 Billion Pennsylvania

–Loans(1) $7.8 Billion

–Deposits(1) $9.4 Billion

–Banking Locations(1) 282 Ohio

–Consumer Finance Locations 63

–Headquarters Hermitage, PA

Diverse Fee Income Sources with Complementary Business Lines

–Business and Personal Banking

–Wealth Management

–Insurance

–Commercial Equipment Leasing

–Merchant Banking

Attractive Footprint First National Bank Location

–#3 Market Share in the Pittsburgh MSA(1)

–Banking locations network spanning 44 counties(1)

NYSE Listed

–Market Cap of $1.7 Billion (February 8, 2012)

–Member S&P SmallCap 600 Index

Diversified Financial Institution with a Network of Banking Locations Spanning 44 Counties in Pennsylvania, Northeastern Ohio and West Virginia

(1) Reflects Parkvale Financial acquisition completed January 1, 2012

F.N.B. Corporation

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Experienced and Respected Leadership

Executive Management Team Banking Experience

Vincent J. Delie, Jr. President and Chief Executive Officer 25 Years

John C. Williams, Jr. President, First National Bank 41 Years

Vincent J. Calabrese Chief Financial Officer 24 Years

Gary L. Guerrieri Chief Credit Officer 26 Years

Board of Directors

Stephen J. Gurgovits, Chairman, formerly CEO of F.N.B. Corporation

Thirteen independent directors

Eight former financial services executives

Three actively involved as financial services investors

F.N.B. Corporation

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F.N.B. Corporation

Effective Business Model

Manage for strong profitability and growth

– Talent management: Attract most experienced bankers and emphasize training

– Presence: Leading presence in key markets

– Organic Growth: Disciplined sales management process drives industry-leading organic growth

– Business Lines: Complementary business lines contribute to diverse fee revenue streams

– Products: Deep product set

– Cross-Sell: Position ourselves as trusted advisor to deepen relationships

– Acquisitions: Expand franchise through strategic acquisitions

Maintain a low risk profile

Fund loan growth through deposits

Target a neutral asset/liability position to manage interest rate risk

Maintain a community bank feel across a wide geography through regional alignment

Strategically invest for growth

Create shareholder value

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Significant 2011 Achievements

Successful 2011

Strong Financial Results: Operating EPS increased 22% compared to 2010

Net Interest Margin Maintained: Maintained a stable margin throughout 2011

Industry-Leading Loan Growth: Successfully executed organic growth strategy centered on market share gains – quality, strong loan growth accomplished

Good Credit Quality: Good credit quality results, trending positively and improving from 2010

Two Bank Acquisitions

– Completed Community Bank & Trust acquisition, expanding into northeast Pennsylvania on January 1, 2011 ($0.6 billion in assets)

– Announced Parkvale Financial acquisition June 2011 and completed January 1, 2012, enhancing market share in the Pittsburgh MSA to 3rd from 7th ($1.8 billion in assets)

Capital Raise Deployed: Completed a $63 million capital raise in May 2011, following FNB’s inclusion in the S&P 600, which was subsequently and efficiently deployed for the Parkvale acquisition

Strong Shareholder Return: 2011 total shareholder return of 21%

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Industry Leading Loan Growth Results

Annual Loan Growth(1) vs. Peers

Linked-Quarter(3) FNB Loan Growth

6.73%

5.84%

1.70%

0.65%

5.13%

4.08%

-5.80%

-0.53%

1.43%

0.50%

-10.30%

-2.32%

2011

2010

2009

-15.00% -10.00% -5.00% 0.00% 5.00% 10.00%

FNB Excluding Florida Portfolio(2) FNB

All Commercial Banks Regional Peer Group Median

9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00%

4Q11

3Q11

2Q11

1Q11

4Q10

3Q10

2Q10

1Q10

4Q09

3Q09

FNB Excluding Florida Portfolio (2)

FNB

Substantial momentum - 10th consecutive quarter of total loan growth

Sustainable

– Pipelines healthy, calling efforts robust and new relationships established

– Disciplined cross-functional sales management process and experienced teams in place

– Significant opportunities exist in FNB’s markets for continued market share gains and client expansion

Peer Data Source: Regional Peer Group-SNL Financial, listing of regional peers included in appendix; All Commercial Banks- Federal Reserve H8 reports, seasonally adjusted annual growth rate; (1) FNB annual results reflect organic growth based on period- end balances; (2) FNB Excluding Florida Portfolio reflects growth excluding the Florida commercial portfolio; (3) Linked-Quarter FNB Loan Growth reflects average organic results on an annualized basis

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Attractive Market Position

FNB Counties of Operation

Branch Total Market Deposits Total Market Share

Rank Institution Count ($ 000) (%)

1 PNC Financial Services Group 346 48,750,897 30.66%

2 Royal Bank of Scotland Group, PLC 228 10,272,385 6.46%

3 F.N.B. Corporation 282 8,901,081 5.60%

4 M&T Bank Corp. 136 6,364,401 4.00%

5 Huntington Bancshares, Inc. 128 5,838,885 3.67%

6 Wells Fargo & Co. 64 4,830,011 3.04%

7 Banco Santander SA 75 4,770,823 3.00%

8 First Commonwealth Financial Corp. 101 4,010,036 2.52%

9 Dollar Bank Federal Savings Bank 40 3,415,130 2.15%

10 Susquehanna Bancshares 66 3,368,690 2.12%

Total (1-166) 2,868 159,009,116 100.00%

Attractive market rank of #3 for counties of operation

Significant opportunities present for additional market share gains

Source: SNL Financial, deposit data as of June 30, 2011, pro-forma as of January 31, 2012, excludes custodian bank

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Pittsburgh Market Opportunity

Pittsburgh, PA

FNB Presence

Deposits(1) $3.4 billion

% of FNB Total Deposits(1) 38%

Deposit Market Share(1) (2) 4.2%

Deposit Market Rank(1) (2) 3

Commercial Middle Market Share(3) 12%

Market

Deposits (2) $81.1 billion

Population(2) 2.4 million

Households(2) 986,000

Projected 5-Yr Population Growth(2)-1.52%

Projected 5-Yr Household Income Growth (2) 15.4%

Number of Firms with <500 Employees(4) 46,000

Number of Firms with >500 Employees(4) 1,800

2-Year Job Growth (12/2009 – 12/2011)(5) 3.49%

FNB Presence

– Significantly increased FNB presence

– #3 market rank following the Parkvale acquisition

– Regional headquarters accommodating all lines of business

– Deposits increased 126% since 2005

– Branches increased 84% since 2005

Pittsburgh MSA Market

– Stable market that has outperformed much of the nation during the recession

– Two-year job growth (December 2009-December 2011) totaled 3.49%, comparatively stronger than other regions

– Number of businesses located in the

MSA significantly exceeds the national and Pennsylvania MSA average, presenting opportunity for additional market share gains

(1) Pro-forma as of June 30, 2011; (2) Data per SNL; (3) Per 2010 Greenwich Associates Market Tracking Program, % of respondents with revenue between $15 and $500 million that reported a relationship with FNB; (4) Firms and Employment by MSA, U.S. Census Bureau; (5) PittsburghToday.org

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Pittsburgh Market Opportunity

Pittsburgh MSA Commercial Market Opportunity(1) and Economic Indicators(2)

Number of Firms

50,000 40,000 30,000 20,000 10,000

<20 Employees Small Businesses

<500 Employees Businesses

2,000 1,500 1,000 500 0

Pittsburgh MSA

Pennsylvania MSA Average

National MSA Average

500+ Employees Middle Market and Corporate

1-Year % Change in Jobs Dec. 2010 – Dec. 2011

2-Year % Change in Jobs Dec. 2009 – Dec. 2011

5-Year Housing Appreciation 2nd Quarter 2011

(1) Pittsburgh MSA Commercial Market Opportunity, Number of Firms and Employment by MSA sourced from U.S. Census Bureau; (2) Economic Indicators sourced from PittsburghToday.org database

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Banking Footprint

Pennsylvania

Ohio

West Virginia

FNB Banking Location

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Marcellus Shale

Marcellus Shale has the potential to be the second largest natural gas field in the world with significant economic benefits projected.

FNB is well-positioned in the Marcellus Shale region, with a footprint that attractively aligns with Marcellus Shale concentration.

Opportunity for FNB given the positive economic lift across much of FNB’s footprint.

FNB’s focus to date has been largely centered on Wealth Management opportunities related to landowners’ wealth accumulation.

Projected Marcellus Shale Economic Benefits for Pennsylvania per the Penn State Study

2011 2015 2020

Economic Value Added $12.8 Billion $17.2 Billion $20.2 Billion

State/Local Taxes $1.2 Billion $1.7 Billion $2.0 Billion

Total Cumulative Jobs 156,695 215,979 256,420

(1) Source: “The Pennsylvania Marcellus Shale Natural Gas Industry Status, Economic Impacts and Future Potential “, July 20, 2011, Penn State

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Diversified Financial Services

Wealth

Business Banking Personal Banking Insurance Capital Markets

Management

Financing Retail Banking Consumer Commercial Swaps / Derivatives

Commercial Financing Mortgage Origination Financial Planning Property and Casualty

Investment Real Estate Home Equity Lines/Loans Trust Services Worker’s Compensation FNB Capital Corp

SBA Loans Installment Loans Stocks, Bonds, Annuities Umbrella Subordinated Debt

Asset Based Lending Checking Estate Planning Credit Insurance Mezzanine Debt

Leasing Savings Estate Settlement Services Employee Benefit Solutions Private Equity Provider

Treasury Management Certificates of Deposit Life Insurance Health, Dental, Vision (starting at $1 million)

Online Banking IRA accounts Qualified Retirement Group Life

Sweep / Repo Accounts Private Banking 401(k) Plans S/T and L/T Disability

Remote Capture Workplace Banking Defined Benefit Plans Personal

Acct Recon/Positive Pay Institutional Homeowner’s Insurance

Lockbox Institutional Asset Mgmt Personal Auto

Merchant Services Investment Planning Personal Umbrella Liab

Assets Under Management

$2.4 billion

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Regency Finance Company

Conservatively run consumer finance business with over 80 years of consumer lending experience Good credit quality: 2011 Net charge-offs to average loans of 3.79% Strong returns: 2011 ROA 3.15%, ROE 32.41%, ROTE 36.37%

Regency Finance Company $164 Million Loan Portfolio

12%

31%

57%

Real Estate Direct Sales Finance

87% of Real Estate Loans are First Mortgages

Ohio

Pennsylvania

Kentucky

Tennessee

63 Locations Spanning Four States

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Acquisition Strategy

Pre-2002 Presence

Acquisition-Related Expansion

Ohio

Pennsylvania

Proven merger integrator

– Nine bank acquisitions completed since 2002, totaling $7.9 billion in assets

Acquisition strategy focused on enhancing presence in attractive markets, particularly the Pittsburgh region and eastern Pennsylvania

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Positioned For Sustained Growth

2008-2010 Realigned Business Units Established Sales Management Process Executed Organic Growth Strategy

2011

Achieved Sustainable Growth With Balanced Risk

2012

Positioned For Sustained Growth

Realigned business units to accommodate a cross-functional approach

Universal, disciplined sales management developed and implemented

Focused on gaining market share

Attracted top talent

Deepened product set

Achieved consistent loan growth

Invested for growth

Built on momentum, continued to focus on new client acquisition

Achieved ten consecutive quarters of total loan growth

Continued to attract top talent in key markets

Net interest margin stable

Continued to invest for future growth, including the acquisition of

Parkvale Financial ($1.8 billion in assets), enhancing FNB’s Pittsburgh

MSA market share to 3rd from 7th

Continue focus on quality loan growth through market share gains

Retain and grow households

Remain focused on cross-sell results and organic revenue growth

Invest for growth

F.N.B. Corporation

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Operating Results

F.N.B. Corporation

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Key Operating Highlights – Full Year 2011

2011 2010

Operating EPS (1) $0.72 $0.59

Operating Return on Tangible Equity (1) 16.32% 14.71%

Operating Return on Tangible Assets(1) 1.02% 0.87%

Pre-tax, Pre-provision Earnings(1) $165,311 $148,235

Net Interest Margin (FTE) 3.79% 3.77%

Efficiency Ratio(2) 59.71% 60.74%

Total Loan Growth(3) 5.8% 4.1%

Commercial Loan Growth (3) (4) 9.6% 5.8%

Consumer Loan Growth(3) 3.4% 4.2%

Transaction Deposit and Customer Repo Growth(3)(5) 5.8% 8.8%

Net Charge-Offs to Average Loans 0.58% 0.77%

Net-Charge-Offs to Average Loans 0.38% 0.46%

(Excluding Florida Portfolio)

NPL’s+OREO to Total Loans+OREO 2.05% 2.74%

Tangible Common Equity/Tangible Assets 6.65% 6.01%

2011 Highlights

22% increase in operating EPS

Improved profitability

Managed the net interest margin to remain stable

Continued to focus on expense control, while investing for growth

Industry leading loan growth

Very good credit quality results with improvements from 2010

(1) Non-GAAP financial measure, excluding merger costs and certain other items, refer to Non-GAAP reconciliation included in the Appendix; (2) Refer to

Appendix for items included in calculation; (3) Organic growth based on period-end balances (4) Represents commercial organic growth excluding the Florida

portfolio; (5) Transaction deposits include all deposits other than time deposits

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Key Operating Highlights – Fourth Quarter 2011

4Q11 3Q11 4Q10

Operating EPS (1) $0.19 $0.19 $0.15

Operating Return on Tangible Equity (1) 16.10% 16.35% 14.23%

Operating Return on Tangible Assets(1) 1.07% 1.06% 0.85%

Pre-tax, Pre-provision Earnings(1) $43,298 $43,093 $35,383

Net Interest Margin (FTE) 3.79% 3.79% 3.77%

Efficiency Ratio(2) 59.27% 59.01% 61.90%

Total Loan Growth(3) 5.1% 7.6% 3.1%

Commercial Loan Growth (3) (4) 6.8% 8.7% 3.4%

Consumer Loan Growth(3) 5.0% 7.4% 6.0%

Transaction Deposit and Customer Repo Growth(3)(5) 2.8% 5.6% 9.7%

Net Charge-Offs to Average Loans 0.95% 0.53% 1.40%

Net-Charge-Offs to Average Loans 0.39% 0.33% 0.57%

(Excluding Florida Portfolio)

NPL’s+OREO to Total Loans+OREO 2.05% 2.35% 2.74%

Tangible Common Equity/Tangible Assets 6.65% 6.57% 6.01%

4Q11 Highlights

Strong finish to a successful year

Solid profitability

Managed the net interest margin to remain stable

Strong loan growth

– 10th consecutive quarter total loan growth

– 11th consecutive quarter for commercial loans(4)

– 7th consecutive quarter for consumer loans

Positive trends in credit quality continued, with improvement from already good levels

– Total delinquency and NPL’s+OREO/Total loans+OREO at lowest level

(1) Non-GAAP financial measure, excluding merger costs and certain other items, refer to Non-GAAP reconciliation included in the Appendix; (2) Refer to

Appendix for items included in calculation; (3) Organic, linked-quarter, annualized average growth; (4) Represents commercial organic growth excluding the

Florida portfolio; (5) Transaction deposits include all deposits other than time deposits

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Diversified Loan Portfolio

2011 CAGR% of Portfolio

($ in millions) Balance 3-Year 2008 2011

C&I $1,364 13.0% 16% 20%

CRE: Non-Owner Occupied 1,197 8.7% 16% 17%

CRE: Owner Occupied 1,145 4.6% 17% 17%

Commercial Leases 111 44.2% 1% 2%

Total Commercial $3,817 9.4% 50% 56%

Consumer Home Equity 1,406 5.1% 21% 21%

Residential Mortgage 621 2.5% 10% 9%

Indirect 526 1.1% 9% 8%

Other 169 2.7% 3% 2%

Regency 164 1.3% 3% 2%

Florida 154 -19.4% 5% 2%

Total Loan Portfolio $6,857 5.6% 100% 100%

Well diversified portfolio

Strong growth results driven by commercial loan growth

$6.9 Billion Loan Portfolio December 31, 2011

Commercial & Industrial 20%

CRE: Non-Owner Occupied 17%

CRE: Owner

Occupied 17%

Indirect 8%

Consumer Home Equity 21%

Residential

Mortgage 9%

Commercial Leases 2%

Florida 2%

Other 2%

Regency 2%

Note: Balance, CAGR and % of Portfolio based on year-end balances

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Deposits and Customer Repurchase Agreements

2011 CAGR Mix %(2)

($ in millions) Balance 3-Year 2008 2011

Savings, NOW, MMDA $3,621 8.7% 44% 46%

Time Deposits 2,158 -2.4% 36% 27%

Non-Interest Bearing 1,340 13.4% 14% 17%

Customer Repos 817 25.3% 6% 10%

Total Deposits and

Customer Repo Agreements $7,936 9.4% 100% 100%

Transaction Deposits(1) and

Customer Repo Agreements $5,778 11.7% 64% 73%

Loans to Deposits and Customer Repo Agreements Ratio = 86% at December 31, 2011

Focus on new client acquisition and growing lower cost relationship-based deposits

– 11.7% 3-year average growth for transaction deposits and customer repo agreements

– Improved funding mix

Note: Balance, CAGR and % of Portfolio based on year-end balances; (1) Transaction deposits include savings, NOW, MMDA and non-interest bearing deposits

$7.9 Billion Deposits and Customer Repurchase Agreements December 31, 2011

Time Deposits 27%

Non-Interest Bearing 17%

Savings, NOW, MMDA 46%

Customer Repos 10%

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Investment Portfolio

% Ratings

($ in millions(1)) Portfolio Investment %

Agency MBS $855 55% AAA 100%

CMO Agency 238 15% AAA 100%

Agency Senior Notes 237 15% AAA 100%

AAA 2%

Municipals 188 12% AA 93%

A 5%

AAA 30%

AA 10%

AA 4%

CMO Private Label 24 2%

BBB 21%

CCC 23%

CC 12%

BBB 22%

Trust Preferred(2) 14 1% BB 36%

C 42%

Bank Stocks 2 - Non-Rated

Total Investment Portfolio $1,558 100%

Highly Rated $1.6 Billion Investment Portfolio (December 31, 2011)

98.1% of total portfolio rated A or better

Relatively low duration of 2.2 years

Municipal bond portfolio

– Highly rated with an average rating of AA and 99.8% of the portfolio rated A or better

– General obligation bonds = 100% of portfolio

– 76.9% from municipalities located throughout Pennsylvania

– 80.4% of portfolio with credit support

(1) Amounts reflect GAAP; (2) Original cost of $47 million, adjusted cost of $29 million, fair value of $14 million

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Positive Credit Trends

Annual NCO’s to Average Loans

1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00%

1.15%

0.77%

0.58%

0.46%

0.42% 0.38%

2009 2010 2011

Past Due+Non-Accrual to Total Loans(1)

4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00%

3.28%

2.76% 2.73%

2.46% 2.57% 2.31%

2.14%

1.87% 1.95% 1.84% 1.83% 1.78%

2009 2010 1Q11 2Q11 3Q11 4Q11

NPL’s+OREO to Total Loans+OREO(1)

4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00%

2.84% 2.74%

2.54% 2.42% 2.35%

2.05%

1.51% 1.56% 1.51% 1.44%

1.30% 1.22%

2009 2010 1Q11 2Q11 3Q11 4Q11

(1) Based on balances at year-end and quarter-end for each period presented

FNB

FNB Excluding Florida Portfolio

Regional Peer Group Median

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Positive Credit Trends

Reserves to Total Loans(1)

2.50%

2.00%

1.50%

1.00%

0.50%

1.83% 1.79% 1.74% 1.47%

2009 2010 2011

FNB FNB Include Credit Mark (2)

Reserves to NPL’s(1)

100.00% 90.00% 80.00% 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00%

71.92% 78.44% 94.76%

2009 2010 2011

FNB Regional Peer Group Median

Credit quality results trended positively throughout 2011

– Better-than-peer results

– Improvements seen in delinquency, net charge-offs and non-performing loan levels reflect very good

results for the Pennsylvania and Regency portfolios and Florida portfolio reductions

Florida portfolio exposure reduced

– Total Florida loans represent only 2% of total loans at December 31, 2011, representing a year-over-year reduction of 21%

– Florida land-related exposure (loans+OREO) reduced 18%, year-over-year to $64 million at December 31, 2011

(1) Based on year-end balances for each period presented; (2) Non-GAAP measure, refer to Appendix

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Stable Net Interest Margin

FNB Quarterly Net Interest Margin Trend

4.00% 3.80% 3.60% 3.40% 3.20% 3.00%

3.74% 3.81% 3.78% 3.77% 3.81% 3.78% 3.79% 3.79%

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11

Managing to a neutral interest rate risk position is a key operating strategy. The net interest margin

remained stable in the 3.77% to 3.81% range for the past seven quarters, reflecting:

– Lower funding costs

– Increasing total variable and adjustable-rate loans to 59.6% of total loans at December 31, 2011 from

58.4% at December 31, 2010

– Relatively low investment portfolio duration of 2.2 years at December 31, 2011

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Well Capitalized

14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0%

December 31, 2010 December 31, 2011(1)

12.9% 13.3% Regulatory “Well-Capitalized”

11.4% 11.7%

8.7% 9.2%

6.7%

6.0%

Total Risk-Based Tier One Leverage Tangible Common Equity

Consistent capital management strategy: Focus on the efficient use of capital and provide a reasonable return for our shareholders.

Dividend levels exceed peers: Dividend payout ratio:

2011 2010

FNB 69.7% 74.0%

Regional Peer Group Median 31.1% 40.0%

(1) Capital ratios at December 31, 2011 reflect the offering completed May 2011 of 6.0 million shares with net proceeds of $63 million

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Investment Thesis

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Long-Term Investment Thesis

Targeted EPS Growth 5-6%

Expected Dividend Yield 4-6%

(Targeted Payout Ratio 60-70%)

Total Shareholder Return 9-12%

Long-term investment thesis reflects FNB’s commitment to strive to create shareholder value. Annual total shareholder results, relative to peers:

2011 2010

FNB 20.95% 53.39%

Regional Peer Group Median -3.93% 23.02%

Top 100 Banks & Thrifts(1) -6.13% 15.37%

(1) Top 100 banks and thrifts by market capitalization as of January 3, 2012

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Relative Valuation Multiples

FNB Regional Peer Group Median

National Peer Group Median(1)

Price/Earnings Ratio(2)

FY12 Consensus EPS (FNB=$0.83) 14.7x 14.5x 14.3x

FY13 Consensus EPS (FNB=$0.92) 13.2x 12.6x 12.9x

Price/Tangible Book Value(2) 2.5x 1.4x 1.4x

Price/Book Value(2) 1.3x 1.2x 1.2x

Dividend Yield(2) 4.0% 2.1% 2.0%

Data per SNL Financial, Price/Earnings Ratio based on analyst consensus estimates for FNB and peers; (1) National peer group consist of national banks with assets between $4 and $20 billion; (2) As of February 8, 2012 closing prices (FNB=$12.16)

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2012 Outlook

Positive 2012 Outlook

Continued strong organic loan growth with market share growth expected for both commercial and consumer loans

– Full year average organic loan growth in the mid-single digits projected

Solid deposit growth

– Mid-single digit organic growth for transaction deposits and customer repurchase agreements projected

Net interest income growth in the mid-teens

– Full year net interest margin in the mid-370’s for core FNB and mid-360’s including the Parkvale acquisition

Non-interest income growth for core FNB in the mid-single digits

Continued focus on expense control with expected core non-interest expense growth in the low-single digits

– Full year 2012 efficiency ratio in the high 50% level projected

Continued gradual improvement in credit quality from the good 2011 results

Note: The 2012 Outlook above is consistent with guidance provided on F.N.B. Corporation’s Fourth Quarter and Full Year 2011 Earnings Call on January 24, 2012; The term “core” refers to FNB results excluding the addition of Parkvale

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Appendix

F.N.B. Corporation

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Appendix: Regional Peer Group

Regional Peer Group

CBCR Capital Bancorp, Ltd NPBC National Penn Bancshares, Inc.

CBCYB Central Bancompany, Inc. ONB Old National Bancorp

CBSH Commerce Bancshares, Inc. PRK Park National Corp

CBU Community Bank Systems, Inc. PVTB Private Bancorp, Inc.

CHFC Chemical Financial Corp. SBNY Signature Bank

CRBC Citizens Republic Bancorp, Inc. SRCE 1st Source Corp

CSE CapitalSource, Inc. STBA S&T Bancorp, Inc.

FCF First Commonwealth Financial SUSQ Susquehanna Bancshares, Inc.

FFBC First Financial Bancorp, Inc. TAYC Taylor Capital Group, Inc.

FINN First National of Nebraska TCB TCF Financial Corp.

FMBI First Midwest Bancorp, Inc. UBSI United Bankshares, inc.

FMER First Merit Corp. UMBF UMB Financial Corp.

FRME First Merchants Corp. VLY Valley National Bancorp

FULT Fulton Financial WSBC WesBanco, Inc.

MBFI MB Financial, Inc. WTFC Wintrust Financial Corp.

NBTB NBT Bancorp, Inc.

F.N.B. Corporation

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Appendix: Loan Risk Profile

Loan Risk Profile – December 31, 2011

$ in millions Balance 12/31/2011 % of Loans NPL’s/Loans Net Charge-Offs/Loans Total Past Due/Loans

Commercial and Industrial $1,363,692 19.9% 0.51% 0.26% 0.72%

CRE: Non-Owner Occupied 1,196,936 17.5% 1.16% 0.27% 1.94%

CRE: Owner Occupied 1,144,710 16.7% 2.04% 0.26% 3.27%

Home Equity and Other Consumer 1,537,414 22.4% 0.43% 0.26% 0.86%

Indirect Consumer 525,650 7.7% 0.17% 0.42% 1.13%

Residential Mortgage 621,272 9.1% 0.72% 0.08% 2.84%

Commercial Leases 110,795 1.6% 0.98% 0.52% 1.98%

Other 38,261 0.6% 9.15% 1.81% 9.16%

Regency Finance 163,856 2.4% 3.90% 3.79% 3.75%

Florida 154,081 2.2% 25.39% 8.19% 25.39%

Total $6,856,667 100.0% 1.55% 0.58% 2.31%

F.N.B. Corporation

33

Appendix: Board of Directors

Board of Directors

Name Age Director Since Biography

Stephen J. Gurgovits 68 1981 Chairman of the Board effective January 2012; former Chief Executive Officer of F.N.B. Corporation

Vincent J. Delie, Jr. 47 2012 President and Chief Executive Officer effective January 2012

William B. Campbell 73 1975 Former Chairman of the Board; More than 30 years executive experience in the manufacturing, steel, commercial development and construction industries, including ownership of Shenango Steel Erectors, Inc. and partner for the commercial lease and development firm, Campbell-Kirila Realty.

Philip E. Gingerich 74 2008 Director of Omega Financial Corporation from 1994 to 2008; retired real estate appraiser, broker and consultant.

Robert R. Goldstein 71 2003 Over 46 years experience in the financial services industry; principal of CapGen Financial Advisors LLC since 2007; Former Chairman of Bay View Capital Corporation.

Dawne S. Hickton 54 2006 Vice Chairman, president and chief executive officer of RTI International Metals, Inc. based in Pittsburgh, Pennsylvania.

David J. Malone 57 2005 President and Chief Executive Officer of Gateway Financial Group, Inc., a financial services firm located in Pittsburgh, Pennsylvania.

D. Stephen Martz 69 2008 Over 45 years experience in the banking and financial services industry; former director, president and chief operating officer of Omega Financial Corporation.

Robert J. McCarthy 68 2012 Previously President and CEO of Parkvale Bank and Parkvale Financial Corporation and Vice Chairman of Parkvale Financial Corporation’s Board of Directors.

Harry F. Radcliffe 61 2002 Investment manager with extensive prior experience in the financial services industry.

Arthur J. Rooney, II 59 2006 President of Pittsburgh Steelers Sports, Inc.; of counsel with Buchanan, Ingersoll & Rooney, P.C.

John W. Rose 62 2003 Has served on the boards of 25 separate banks or bank holding companies; currently principal of

CapGen Financial Advisors LLC.

Stanton R. Sheetz 56 2008 Co-owner and Chief Executive Officer of Sheetz, Inc.; director of Omega Financial Corporation from

1994 to 2008,

William J. Strimbu 51 1995 President of Nick Strimbu, Inc. since 1994, a trucking company with common carrier authority.

Earl K. Wahl 71 2002 Over 36 years executive experience, owning and operating various businesses involving mining, drilling, industrial contracting, restaurant, municipal and environmental services, including prior ownership of J.E.D. Corporation, an environmental consulting firm.

F.N.B. Corporation

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Appendix: GAAP to Non-GAAP Reconciliation

$ in thousands 2011 2010 For the Year Ended December 31,

Fourth Quarter Third Quarter Fourth Quarter 2011 2010

Operating net income:

Net income $23,737 $23,773 $23,533 $87,047 $74,652

Merger-related costs, net of tax 255 183 402 3,238 402

Less: Pension credit, net of tax 0 0 (6,853) 0 (6,853)

Operating net income $23,993 $23,956 $17,082 $90,285 $68,202

Operating diluted earnings per share:

Diluted earnings per share $0.19 $0.19 $0.21 $0.70 $0.65

Effect of merger-related costs, net of tax 0.00 0.00 0.00 0.03 0.00

Less: Effect of pension credit, net of tax 0.00 0.00 (0.06) 0.00 (0.06)

Operating diluted earnings per share $0.19 $0.19 $0.15 $0.72 $0.59

Operating return on average tangible equity:

Operating net income (annualized) $95,188 $95,042 $67,772 $90,285 $68,202

Amortization of intangibles, net of tax (annualized) 4,692 4,663 4,315 4,698 4,364

99,881 99,705 72,087 94,983 72,565

Average total shareholders’ equity 1,219,575 1,210,953 1,068,468 1,181,941 1,057,732

Less: Average intangibles (599,352) (601,010) (561,946) (599,851) (564,448)

620,223 609,943 506,522 582,090 493,285

Operating return on average tangible equity 16.10% 16.35% 14.23% 16.32% 14.71%

F.N.B. Corporation

35

Appendix: GAAP to Non-GAAP Reconciliation

$ in thousands 2011 2010 For the Year Ended December 31,

Fourth Quarter Third Quarter Fourth Quarter 2011 2010

Operating return on average tangible assets:

Operating net income (annualized) $95,188 $95,042 $67,772 $90,285 $68,202

Amortization of intangibles, net of tax (annualized) 4,692 4,663 4,315 4,698 4,364

99,881 99,705 72,087 94,983 72,565

Average total assets 9,947,884 9,971,847 9,044,812 9,871,164 8,906,734

Less: Average intangibles (599,352) (601,010) (561,946) (599,851) (564,448)

9,348,532 9,370,837 8,482,866 9,271,313 8,342,286

Operating return on average tangible assets 1.07% 1.06% 0.85% 1.02% 0.87%

Pre-tax, pre-provision earnings:

Net interest income (FTE) $82,051 $82,411 $74,528 $324,403 $291,642

Non-interest income (excl securities gains, OTTI) 32,598 29,630 29,500 119,918 115,972

Non-interest expense 71,591 69,217 58,329 283,734 251,103

Pre-tax, pre-provision earnings 43,059 42,824 45,698 160,587 156,511

Adjustments:

Net impairment losses on securities (29) (37) (51) (66) (2,339)

Gain on sale of securities 3,511 49 443 3,652 2,960

FHLB prepayment penalty 3,328 - -3,328 2,269

Merger costs 393 282 619 4,982 619

Pension credit 0 0 (10,543) 0 (10,543)

Pre-tax, pre-provision earnings $ 43,298 $ 43,093 $ 35,383 $ 165,311 $ 148,235

F.N.B. Corporation

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Appendix: GAAP to Non-GAAP Reconciliation

$ in thousands 2011 2010 For the Year Ended December 31,

Fourth Quarter Third Quarter Fourth Quarter 2011 2010

Tangible book value per share:

Total shareholders’ equity $1,210,199 $1,214,491 $1,066,124 $1,210,199 $1,066,124

Less: intangibles (599,414) (600,283) (561,148) (599,414) (561,149)

610,785 614,208 504,976 610,785 504,975

Ending shares outstanding 127,220,759 127,127,599 114,747,085 127,220,759 114,747,085

Tangible book value per share $4.80 $4.83 $4.40 $4.80 $4.40

Tangible equity / tangible assets (period end):

Total shareholders’ equity $1,210,199 $1,214,491 $1,066,124 $1,210,199 $1,066,124

Less: intangibles (599,414) (600,283) (561,148) (599,414) (561,149)

610,785 614,208 504,976 610,785 504,975

Total assets 9,786,483 9,951,344 8,959,915 9,786,483 8,959,915

Less: intangibles (599,414) (600,283) (561,148) (599,414) (561,149)

9,187,069 9,351,061 8,398,767 9,187,069 8,398,766

Tangible equity / tangible assets (period end) 6.65% 6.57% 6.01% 6.65% 6.01%

F.N.B. Corporation

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Appendix: GAAP to Non-GAAP Reconciliation

$ in thousands 2011

Fourth Quarter Third Quarter Second Quarter First Quarter

Allowance for loan losses + credit marks / total loans + credit marks:

Allowance for loan losses $100,662 $108,813 $109,224 $107,612

Credit marks 25,350 25,932 26,622 26,919

126,012 134,745 135,846 134,531

Total loans 6,856,667 6,788,540 6,702,595 6,559,952

Credit marks 25,350 25,932 26,622 26,919

6,882,017 6,814,472 6,729,217 6,586,871

Allowance for loan losses + credit marks / total

loans + credit marks 1.83% 1.98% 2.02% 2.04%

Efficiency ratio calculation:

The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles, other real estate owned expense, one-time pension credit (4Q10), FHLB prepayment penalties and merger costs by the sum of net interest income on a fully taxable equivalent basis plus non-interest income less securities gains and net impairment losses on securities.

F.N.B. Corporation

38