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EXHIBIT 12
F.N.B. Corporation and Subsidiaries
Computation of Ratio of Earnings to Fixed Charges
Dollars in thousands
Year Ended December 31 | 2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||||||
Earnings: | |||||||||||||||||||
Income before income taxes | $ | 356,269 | $ | 246,389 | $ | 229,642 | $ | 206,670 | $ | 162,560 | |||||||||
Fixed charges, excluding interest on deposits | 86,407 | 44,810 | 34,330 | 29,921 | 18,384 | ||||||||||||||
Less: Preferred stock dividends | (14,381 | ) | (11,593 | ) | (11,566 | ) | (11,983 | ) | — | ||||||||||
Subtotal | 428,295 | 279,606 | 252,406 | 224,608 | 180,944 | ||||||||||||||
Interest on deposits | 71,582 | 41,239 | 31,207 | 29,602 | 29,441 | ||||||||||||||
Total | $ | 499,877 | $ | 320,845 | $ | 283,613 | $ | 254,210 | $ | 210,385 | |||||||||
Fixed charges: | |||||||||||||||||||
Interest on borrowed funds | $ | 62,310 | $ | 26,212 | $ | 17,366 | $ | 13,083 | $ | 14,903 | |||||||||
Interest component of rental expense | 9,716 | 7,005 | 5,398 | 4,855 | 3,481 | ||||||||||||||
Preferred stock dividends | 14,381 | 11,593 | 11,566 | 11,983 | — | ||||||||||||||
Subtotal | 86,407 | 44,810 | 34,330 | 29,921 | 18,384 | ||||||||||||||
Interest on deposits | 71,582 | 41,239 | 31,207 | 29,602 | 29,441 | ||||||||||||||
Total | $ | 157,989 | $ | 86,049 | $ | 65,537 | $ | 59,523 | $ | 47,825 | |||||||||
Ratio of earnings to fixed charges: | |||||||||||||||||||
Excluding interest on deposits | 5.75 | 8.07x | 10.58x | 11.85x | 9.84x | ||||||||||||||
Including interest on deposits | 3.38 | 4.15x | 5.04x | 5.10x | 4.40x | ||||||||||||||
Ratio of earnings to fixed charges and preferred stock dividends: | |||||||||||||||||||
Excluding interest on deposits | 4.96 | 6.24x | 7.35x | 7.51x | 9.84x | ||||||||||||||
Including interest on deposits | 3.16 | 3.73x | 4.33x | 4.27x | 4.40x |