BUSINESS SEGMENTS (Tables)

9 Months Ended

Sep. 30, 2018

The following tables provide financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements.

TABLE 17.1



(in thousands)	Community Banking		Wealth Management		Insurance			Consumer Finance		Parent and Other			Consolidated
At or for the Three Months Ended September 30, 2018
Interest income	$	291,478	$	6	$	(16	)	$	6,250	$	97		$	297,815
Interest expense	58,336		—		—			634		4,058			63,028
Net interest income	233,142		6		(16		)	5,616		(3,961		)	234,787
Provision for credit losses	13,692		—		—			1,337		946			15,975
Non-interest income	55,708		11,129		4,266			459		3,272			74,834
Non-interest expense ⁽¹⁾	148,847		8,300		4,362			3,825		1,590			166,924
Amortization of intangibles	3,695		61		49			—		—			3,805
Income tax expense (benefit)	22,188		599		(26		)	234		(841		)	22,154
Net income (loss)	100,428		2,175		(135		)	679		(2,384		)	100,763
Total assets	32,526,809		26,381		19,323			—		45,082			32,617,595
Total intangibles	2,307,734		10,006		12,091			—		—			2,329,831
At or for the Three Months Ended September 30, 2017
Interest income	$	249,923	$	—	$	20		$	9,981	$	3,590		$	263,514
Interest expense	29,463		—		—			938		7,882			38,283
Net interest income	220,460		—		20			9,043		(4,292		)	225,231
Provision for credit losses	14,847		—		—			1,921		—			16,768
Non-interest income	52,020		10,006		4,209			741		(825		)	66,151
Non-interest expense ⁽¹⁾	142,015		7,451		3,907			5,261		304			158,938
Amortization of intangibles	4,689		64		52			—		—			4,805
Income tax expense (benefit)	33,238		904		105			1,038		(2,107		)	33,178
Net income (loss)	77,691		1,587		165			1,564		(3,314		)	77,693
Total assets	30,889,485		23,573		21,242			185,209		3,786			31,123,295
Total intangibles	2,327,495		10,224		12,179			1,809		—			2,351,707

(1) Excludes amortization of intangibles, which is presented separately.



(in thousands)	Community Banking		Wealth Management		Insurance		Consumer Finance		Parent and Other			Consolidated
At or for the Nine Months Ended September 30, 2018
Interest income	$	839,833	$	6	$	23	$	24,893	$	104		$	864,859
Interest expense	150,814		—		—		2,429		11,369			164,612
Net interest income	689,019		6		23		22,464		(11,265		)	700,247
Provision for credit losses	39,381		—		—		5,697		946			46,024
Non-interest income	160,157		33,370		12,264		1,750		(315		)	207,226
Non-interest expense ⁽¹⁾	457,189		25,272		11,968		14,348		4,214			512,991
Amortization of intangibles	11,499		182		153		—		—			11,834
Income tax expense (benefit)	65,199		1,769		55		1,152		(4,282		)	63,893
Net income (loss)	275,908		6,153		111		3,017		(12,458		)	272,731
Total assets	32,526,809		26,381		19,323		—		45,082			32,617,595
Total intangibles	2,307,734		10,006		12,091		—		—			2,329,831
At or for the Nine Months Ended September 30, 2017
Interest income	$	677,221	$	—	$	59	$	29,997	$	1,964		$	709,241
Interest expense	76,742		—		—		2,748		13,353			92,843
Net interest income	600,479		—		59		27,249		(11,389		)	616,398
Provision for credit losses	38,649		—		—		5,725		—			44,374
Non-interest income	145,768		29,376		12,030		2,221		(2,050		)	187,345
Non-interest expense ⁽¹⁾	451,740		22,978		10,678		15,780		1,120			502,296
Amortization of intangibles	12,365		190		161		—		—			12,716
Income tax expense (benefit)	69,749		2,266		462		3,178		(6,376		)	69,279
Net income (loss)	173,744		3,942		788		4,787		(8,183		)	175,078
Total assets	30,889,485		23,573		21,242		185,209		3,786			31,123,295
Total intangibles	2,327,495		10,224		12,179		1,809		—			2,351,707

(1) Excludes amortization of intangibles, which is presented separately.