F.N.B. is a financial holding company. Through its subsidiaries, Co. provides financial services primarily in Pennsylvania, northeastern Ohio and northern West Virginia. Co. has four segments: community banking, which provides demand, savings and time deposit accounts and commercial, mortgage and individual installment loans; wealth management, which includes personal and corporate fiduciary services; insurance, which provides commercial and personal insurance; and consumer finance, which makes installment loans to individuals and purchases installment sales finance contracts from retail merchants. As of Dec 31 2012, Co. had total assets of $12.02 billion and deposits of $9.08 billion.
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