F.N.B. Corporation (NYSE:FNB) Q1 2022 Earnings Conference Call April 19, 2022 8:30 AM ET

Company Participants

Vince Delie - Chairman, President and Chief Executive Officer

Lisa Constantine - Investor Relations

Vince Calabrese - Chief Financial Officer

Gary Guerrieri - Chief Credit Officer

Conference Call Participants

Frank Schiraldi - Piper Sandler

Daniel Tamayo - Raymond James

Michael Young - Truist Securities

Timur Braziler - Wells Fargo

Tyler Marks - Jefferies

Michael Perito - Keefe, Bruyette & Woods

Russell Gunther - D.A Davidson

Brody Preston - Stephens Inc.

Brian Martin - Janney Montgomery

Operator

Hello, and welcome to the F.N.B Corporation First Quarter 2022, Earnings Call. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. To ask a question [Operator Instructions] Please note today's event is being recorded. I now would like to turn the conference over to Lisa Constantine, Investor Relations. Ms. Constantine, please go ahead.

Lisa Constantine

Thank you. Good morning and welcome to our earnings call. This conference call of F.N.B Corporation and the reports it files with the Securities and Exchange Commission often contain a forward-looking statement and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to and not as an alternative for our reported results prepared in accordance with GAAP. Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation materials and in our earnings release. Please refer to these non-GAAP and forward-looking statement disclosures contained in our related materials, reports, and registration statements filed with the Securities and Exchange Commission and available on our corporate website. A replay of this call will be available until Tuesday, April 26, and the webcast link will be posted to the About Us Investor Relations section of our corporate website. I will now turn the call over to Vince Delie, Chairman, President and CEO.

Vince Delie

Thank you and welcome to our first quarter earnings call. Joining me today are Vince Calabrese, our Chief Financial Officer, and Gary Guerrieri, our Chief Credit Officer. FNB began 2022 with solid fundamental performance and the full integration of the Howard Bank acquisition. We're pleased that the deal metrics associated with Howard came in at or better than planned with a positive impact to our capital ratios. Howard added $1.8 billion of loans to the balance sheet, bringing our total assets to $42 billion. In fact, on a combined basis, FNB had strong loan pipeline growth in the Mid-Atlantic region, up 13% year-over-year, and 61% linked quarter.