F.N.B. Corporation reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2015. For the quarter, the company's interest income was $140,781,000 compared to $135,097,000 a year ago. Net interest income was $127,333,000 compared to $123,661,000 a year ago. Net interest income after provision (FTE) was $116,766,000 compared to $115,317,000 a year ago. Income before income taxes was $58,637,000 compared to $58,123,000 a year ago. Net income available to common stockholders was $37,111,000 compared to $37,294,000 a year ago. Diluted earnings per common share was $0.21 compared to $0.21 a year ago. Operating net income available to common stockholders was $38,102,000 compared to $36,417,000 a year ago. Operating diluted earnings per common share was $0.22 compared to $0.21 a year ago. Book value per common share was $11.34 compared to $11.00 a year ago. Tangible book value per common share was $6.38 compared to $5.99 a year ago. Return on average equity was 7.39% compared to 7.71% a year ago. Return on average tangible equity was 13.08% compared to 14.16% a year ago. Return on average tangible common equity was 13.62% compared to 14.85% a year ago. Return on average assets was 0.91% compared to 0.98% a year ago. Return on average tangible assets was 0.99% compared to 1.08% a year ago. Net interest income (FTE) was $129,430,000 against $125,357,000 a year ago. Net interest income on a fully taxable equivalent basis (FTE) increased $2.3 million, or 1.8%, reflecting average earning asset growth of $296 million, or 7.9% annualized, and a higher benefit from accretable yield adjustments.

For the year, the company's interest income was $546,795,000 compared to $508,983,000 a year ago. Net interest income was $498,222,000 compared to $466,297,000 a year ago. Net interest income after provision (FTE) was $465,416,000 compared to $434,547,000 a year ago. Income before income taxes was $237,277,000 compared to $213,568,000 a year ago. Net income available to common stockholders was $151,608,000 against 135,698,000 a year ago. Diluted earnings per common share was $0.86 compared to $0.80 a year ago. Operating net income available to common stockholders was $153,692,000 compared to $135,557,000 a year ago. Operating diluted earnings per common share was $0.87 compared to $0.80 a year ago. Return on average equity was 7.70% compared to 7.50% a year ago. Return on average tangible equity was 13.72% compared to 14.05% a year ago. Return on average tangible common equity was 14.33% compared to 14.74% a year ago. Return on average assets was 0.96% compared to 0.96% a year ago. Return on average tangible assets was 1.05% compared to 1.07% a year ago. Net interest income (FTE) was $505,857,000 against $473,195,000 a year ago.

The company also announced net loan charge-offs (originated portfolio) of $6,722,000 for the fourth quarter ended December 31, 2015 compared to $4,095,000 a year ago. Net loan charge-offs (acquired portfolio) was $114,000 compared to $620,000 a year ago.