EXHIBIT 12

F.N.B. Corporation and Subsidiaries

Computation of Ratio of Earnings to Fixed Charges

Dollars in thousands

F.N.B. CORPORATION

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

(Dollars in thousands)

	Six Months Ended June 30,						Year Ended December 31,
	2012			2011			2011			2010			2009			2008			2007
Earnings:
Income before income taxes	$	71,171		$	53,962		$	119,051		$	102,536		$	50,380		$	42,832		$	98,139
Fixed charges, excluding interest on deposits		10,065			11,989			23,402			26,285			41,560			48,312			51,510
Less: Preferred stock dividends		0			0			0			0			(4,085	)		0			0
Subtotal		81,236			65,951			142,453			128,821			87,855			91,144			149,649
Interest on deposits		22,571			28,649			53,535			64,524			85,699			111,568			124,276
Total	$	103,807		$	94,600		$	195,988		$	193,345		$	173,554		$	202,712		$	273,925
Fixed charges:
Interest on borrowed funds	$	8,629		$	10,900		$	21,082		$	24,207		$	35,480		$	46,421		$	49,777
Interest component of rental expense		1,436			1,089			2,320			2,078			1,995			1,891			1,733
Preferred stock dividends		0			0			0			0			4,085			0			0
Subtotal		10,065			11,989			23,402			26,285			41,560			48,312			51,510
Interest on deposits		22,571			28,649			53,535			64,524			85,699			111,568			124,276
Total	$	32,636		$	40,638		$	76,937		$	90,809		$	127,259		$	159,880		$	175,786
Ratio of earnings to fixed charges:
Excluding interest on deposits		8.07	x		5.50	x		6.09	x		4.90	x		2.24	x		1.89	x		2.91	x
Including interest on deposits		3.18	x		2.33	x		2.55	x		2.13	x		1.38	x		1.27	x		1.56	x
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		8.07	x		5.50	x		6.09	x		4.90	x		2.11	x		1.89	x		2.91	x
Including interest on deposits		3.18	x		2.33	x		2.55	x		2.13	x		1.36	x		1.27	x		1.56	x