EX-99.2

F.N.B. Corporation

Second Quarter 2012

Earnings Conference Call

July 24, 2012

Exhibit 99.2

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 July 23,

2012 and in its periodic filings with the Securities and Exchange Commission.

2Q12 Highlights

2Q12

operating

results

–

Positive

trends

profitability

metrics

Financial results driven by continued positive trends in key drivers

Net income of $29.1 million and diluted earnings per share of $0.21

Net interest margin of 3.80%

Strong loan growth -

12 consecutive quarter of organic growth for total loans

Strong transaction deposit and customer repurchase growth

Good asset quality results reflecting consistent stability in core portfolios

Solid non-interest income results

Lower operating expenses reflecting continuing expense control and success executing Parkvale Financial

acquisition and related cost savings realization

Branch optimization/efficiency enhancement plan

Continued progress executing e-delivery strategy

2Q12 Operating Highlights

2Q12

1Q12

2Q11

Consistent

Earnings

Growth

Operating net income

$29,336

$26,524

$22,467

Operating earnings per diluted share

$0.21

$0.19

$0.18

Solid

Performance

Operating ROTE

19.14%

17.78%

16.85%

Operating ROTA

1.13%

1.04%

1.02%

Net interest margin

3.80%

3.74%

3.78%

Efficiency ratio

57.74%

60.42%

62.31%

Strong

Organic

Growth

(1)

Total loan growth

(2)

4.4%

2.6%

5.1%

Commercial loan growth

(2)

7.2%

5.9%

9.2%

Consumer loan growth

8.3%

1.3%

9.3%

Transaction deposits and customer repo growth

(3)

14.3%

8.9%

10.8%

Operating net income, EPS, ROTE and ROTA excludes merger and severance costs, refer to Non-GAAP Reconciliation included in Appendix

(1)Average, annualized linked quarter organic growth results; (2)Excludes the Florida commercial portfolio; (3)Excludes time deposits

Profitability Trends

18.47%

16.32%

14.71%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

20.00%

2Q12 YTD

2011

2010

FNB

Peer Group Median

1.08%

1.02%

0.87%

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

2Q12 YTD

2011

2010

FNB

Peer Group Median

Return on Average Tangible Equity

(1)

Return on Average Tangible Assets

(1)

Peer data per SNL Financial, refer to Appendix for peer listing

(1) Operating ROTE and ROTA for FNB, excludes merger and severance costs and certain other one-time items (2010), refer to Non-GAAP Reconciliation

included in Appendix

Optimizing Delivery Channel

Summary

Expected # of locations consolidated

Expected # of locations with drive-up services only

Banking locations post-consolidation

246

Target date

4Q12

Projected cost savings, pre-tax

$4.0 million

Projected one-time costs, pre-tax

$2.5 million

As part of ongoing delivery channel optimization, FNB announces plans to consolidate 20 locations and reduce services at 3

locations

Consolidation expected to take place mid-4Q12

This action provides the opportunity to:

Enhance operating efficiency and profitability

Focus resources in attractive markets

Leverage investment in upgraded e-delivery channels

E-Delivery Strategy Update

Delivery

Method

Status

Description

Online Bill

Pay

Completed :

October

2011

Online bill pay, person-to-person payments, eBills, and the ability to transfer funds

between financial institutions.

Mobile

Banking

Completed :

June

2012

Mobile banking services via text banking, mobile browser, and downloadable app for

smart phones.

15% of online banking customers enrolled since introduction in early June, 2012.

Phase 2:

Online

Banking/

Mobile

Banking

Scheduled:

4Q12

Online Phase 2: Personalized marketing campaigns and Money Management tool.

90% of the most commonly used features will be available on the home page.

Mobile

Phase

Remote

Deposit

Capture

and

mobile

banking

alerts

among

advanced features.

Asset Quality Results

(1)

$ in thousands

2Q12

1Q12

2Q11

2Q12 Highlights

NPL’s+OREO/Total loans+OREO

1.93%

2.22%

2.57%

Overall asset quality results reflect the

continued solid performance of the

Pennsylvania and Regency portfolios

and significant reductions in the Florida

portfolio

Continued positive trends seen in

delinquency and non-performing loans

plus OREO levels

NCO’s remain at good levels

Florida exposure declined $49.9 million,

or 33%, primarily as a result of principal

payoffs on performing and non-

performing credits

Total delinquency

1.78%

2.03%

2.34%

Provision for loan losses

$7,027

$6,572

$8,551

Net charge-offs (NCO’s)

$7,473

$5,141

$6,939

NCO’s/Total average loans

0.38%

0.27%

0.42%

NCO’s/Total average originated loans

0.45%

0.32%

0.45%

Allowance for loan losses/

Total loans

1.49%

1.55%

1.73%

Allowance for loan losses/

Total non-performing loans

104.89%

92.95%

85.84%

(1) Metrics shown are originated portfolio metrics unless noted as a total portfolio metric. “Originated portfolio” or “Originated loans” excludes

loans acquired at fair value and accounted for in accordance with ASC 805 (effective January 1, 2009), as the risk of credit loss has been

considered by virtue of the Corporation’s estimate of fair value. (2) Total portfolio metric

(2)

Asset Quality Trends

NPL’s+OREO to Originated Loans+OREO

(1)

2.74%

2.15%

1.93%

1.56%

1.29%

1.32%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

2010

2011

2Q12

FNB

FNB Excluding Florida Portfolio

Peer Group Median

(2)

0.44%

0.39%

0.36%

0.33%

0.23%

0.77%

0.62%

0.38%

2010

2011

2Q12 YTD

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

FNB excluding Florida

Florida

Peer Group Median

NCO’s to Average Originated Loans

(1)

Peer data per SNL Financial, refer to Appendix for peer listing; (1) Based on balances at year-end and quarter-end for each period presented.

“Originated Loans” excludes loans acquired at fair value and accounted for in accordance with ASC 805 (effective January 1, 2009), as the risk of

credit loss has been considered by virtue of the Corporation’s estimate of fair value. (2) Slight increase in NPL+OREO to Originated Loans+OREO for

the excluding Florida metric reflects the addition of $6.1 million in OREO from the Parkvale acquisition completed January 1, 2012.

Balance Sheet Highlights

Average Balances, $ in millions

2Q12

2Q12-1Q12 Growth

2Q12 Highlights

Balance

Securities

$2,255

$160.5

7.7%

Growth in average securities primarily

reflects timing of reinvestment activity

in 1Q12

consecutive quarter of total loan

growth

13 consecutive quarter of PA

commercial loan growth

Continued expected decline in time

deposits reflects focus on growing

lower cost, relationship-based

transaction deposits and customer

repurchase agreements

Strong transaction deposit and

customer repurchase agreement

growth

Total loans

(1)

$7,832

$54.1

2.8%

Total PA loans

(1)(2)

$7,716

$82.8

4.4%

PA Commercial loans

(1)(2)

$4,102

$72.3

7.2%

Consumer loans

(1)(3)

$2,388

$48.4

8.3%

Earning assets

$10,164

$193.3

1.9%

Total deposits and customer repos

(1)

$9,751

$150.6

6.3%

Transaction deposits and customer

repos

(1)(4)

$7,028

$241.3

14.3%

Time Deposits

(1)

$2,723

-$90.7

-13.0%

(1)% growth annualized; (2)Excludes the Florida portfolio; (3)Includes Direct Installment, Indirect Installment and Consumer LOC portfolios;

(4)Excludes time deposits

Net Interest Margin

2Q12 margin includes $2.5 million in net accretable yield on acquired loans

Net Interest Margin Trend

3.80%

3.74%

3.79%

3.78%

3.81%

3.77%

3.78%

3.81%

3.00%

3.20%

3.40%

3.60%

3.80%

4.00%

2Q12

1Q12

4Q11

3Q11

2Q11

1Q11

4Q10

3Q10

2Q10

Parkvale

Acquisition

1/1/2012

Non-Interest Income

$ in thousands

2Q12

1Q12

2Q11

2Q12 Highlights

Service charges

$17,588

$17,165

$15,666

Higher service charges on deposit

accounts reflects seasonally higher

volume

Lower insurance commissions and fees

due to the seasonal decrease in

contingent revenue

Increase in other income reflects higher

swap-related revenue generated in our

commercial lending activities

Insurance commissions and fees

3,882

4,172

3,664

Securities commissions

2,030

2,011

2,130

Trust income

3,842

3,734

3,947

Gain on sale of loans

711

809

376

Other

4,465

3,746

3,437

Total

non-interest

income

(1)

$32,518

$31,637

$29,220

(1) Excluding securities gains of $260, $108 and $38, respectively.

Non-Interest Expense

$ in thousands

2Q12

1Q12

2Q11

2Q12 Highlights

Salaries

and

employee

benefits

(1)

$41,070

$43,996

$36,528

Efficiency ratio improved to 57.7%

Lower salaries and benefits primarily

due to benefit of Parkvale cost savings

realization

Parkvale cost savings expected to be

fully phased in beginning 3Q12

OREO expenses trending favorably

Occupancy and equipment

11,862

11,792

9,985

Amortization of intangibles

2,369

2,281

1,805

Other real estate owned

1,467

1,636

2,342

Other

(2)

21,397

19,364

17,547

Non-interest expense,

excluding merger costs

$78,165

$79,069

$68,207

Merger and severance costs

317

7,604

162

Total non-interest expense

$78,482

$86,673

$68,369

Efficiency ratio

57.7%

60.4%

58.3%

(1) Excluding net severance costs of $610 1Q12; (2) Excluding merger costs

Capital Position

12.0%

10.5%

8.1%

5.8%

12.1%

10.5%

8.1%

6.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

Total Risk-Based

Tier One

Leverage

Tangible Common Equity

March 31, 2012

June 30, 2012

(1)

(1) June 30, 2012 Total Risk-Based and Tier One represent estimated ratios

Outlook Summary

Item

Action Relative

to Prior

Guidance

(1)

Management Expectations

Loans

Re-affirm

Mid-teens (full-year average balance growth)

Deposits

Re-affirm

High-teens (full-year average balance growth)

Net interest margin

Re-affirm

Mid 360’s for the second half of the year

Non-interest income

Re-affirm

Mid-teens (full-year increase)

Non-interest expense

Re-affirm

Full-year efficiency ratio in the high 50% area

Non-interest expense trending down towards $76 million

range by year-end (quarterly run-rate)

Provision for loan losses

Modify –

Slightly Better

$7 -

$8 million per quarter for remainder of year

Note: All guidance is inclusive of the Parkvale acquisition completed January 1, 2012

(1) Refers to guidance provided on the 1Q12 earnings call of April 24, 2012

Concluding Remarks

Solid performance 2Q12 and first six months of 2012

Positive expectations for remainder of 2012

Proactively reinvest and reposition

Position for revenue growth

Focused and disciplined expense control

Maintain a low risk profile

Appendix

Peer Group Listing

ASBC

Associated Bancorp

NPBC

National Penn Bancshares, Inc.

CBSH

Commerce Bancshares, Inc.

ONB

Old National Bancorp

CBU

Community Bank Systems, Inc.

PRK

Park National Corp

CHFC

Chemical Financial Corp.

PVTB

Private Bancorp, Inc.

CRBC

Citizens Republic Bancorp, Inc.

SBNY

Signature Bank

CSE

CapitalSource, Inc.

SUSQ

Susquehanna Bancshares, Inc.

FCF

First Commonwealth Financial

TCB

TCF Financial Corp.

FFBC

First Financial Bancorp, Inc.

UBSI

United Bankshares, inc.

FMBI

First Midwest Bancorp, Inc.

UMBF

UMB Financial Corp.

FMER

First Merit Corp.

VLY

Valley National Bancorp

FULT

Fulton Financial

WSBC

WesBanco, Inc.

MBFI

MB Financial, Inc.

WTFC

Wintrust Financial Corp.

NBTB

NBT Bancorp, Inc.

GAAP to Non-GAAP Reconciliation

June 30, 2012

March 31, 2012

June 30, 2011

2012

2011

Operating net income

Net income

$29,130

$21,582

$22,362

$50,712

$39,537

Merger and severance costs, net of tax

206

4,943

105

7,921

4,307

Operating net income

$29,336

$26,524

$22,467

$58,633

$43,844

Operating diluted earnings per share

Diluted earnings per share

$0.21

$0.15

$0.18

$0.36

$0.32

Effect of merger and severance costs, net of tax

0.00

0.04

0.00

0.04

0.02

Operating diluted earnings per share

$0.21

$0.19

$0.18

$0.40

$0.34

Operating return on average tangible equity

Operating net income (annualized)

$117,991

$106,681

$90,115

$112,336

$85,375

Amortization of intangibles, net of tax (annualized)

6,192

5,964

4,707

6,078

4,720

$124,182

$112,645

$94,822

$118,414

$90,096

Average shareholders' equity

$1,367,333

$1,352,569

$1,166,305

$1,359,951

$1,148,065

Less: Average intangible assets

718,507

719,195

603,552

718,851

599,516

Average tangible equity

$648,826

$633,375

$562,753

$641,100

$548,549

Operating return on average tangible equity

19.14%

17.78%

16.85%

18.47%

16.42%

Operating return on average tangible assets

Operating net income (annualized)

$117,991

$106,681

$90,115

$112,336

$85,375

Amortization of intangibles, net of tax (annualized)

6,192

5,964

4,707

6,078

4,720

$124,182

$112,645

$94,822

$118,414

$90,096

Average total assets

$11,734,263

$11,563,665

$9,866,025

$11,648,964

$9,780,993

Less: Average intangible assets

718,507

719,195

603,552

718,851

599,516

Average tangible assets

11,015,756

10,844,470

9,262,473

10,930,113

9,181,476

Operating return on average tangible assets

1.13%

1.04%

1.02%

1.08%

0.98%

June 30 Year-to-Date

For the Quarter Ended

GAAP to Non-GAAP Reconciliation

2011

2010

Operating net income

Net income

$87,047

$74,652

Merger and severance costs, net of tax

3,238

402

One-time pension credit

(6,853)

Operating net income

$90,285

$68,201

Operating return on average tangible equity

Operating net income

$90,285

$68,201

Amortization of intangibles, net of tax

4,698

4,364

$94,983

$72,565

Average shareholders' equity

$1,181,941

$1,057,732

Less: Average intangible assets

599,851

564,448

Average tangible equity

$582,090

$493,284

Operating return on average tangible equity

16.32%

14.71%

Operating return on average tangible assets

Operating net income (annualized)

$90,285

$68,201

Amortization of intangibles, net of tax (annualized)

4,698

4,364

$94,983

$72,565

Average total assets

$9,871,164

$8,906,734

Less: Average intangible assets

599,851

564,448

Average tangible assets

9,271,313

8,342,286

Operating return on average tangible assets

1.02%

0.87%