F.N.B. Corporation (NYSE:FNB) Q3 2017 Earnings Conference Call - Final Transcript

Oct 19, 2017 • 10:30 am ET


F.N.B. Corporation (NYSE:FNB) Q3 2017 Earnings Conference Call - Final Transcript


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Q & A
Vince Delie

thank everybody for participating, I thought we had great questions, I do believe that we delivered a solid quarter I know we have improvement areas that we have to focus on, particularly in the capital markets realm and with our mortgage banking business, but we're very optimistic that we'll be able to make up some ground in the coming quarters. I'm pleased with 4% increase in operating EPS on a linked quarter given that we still have not benefited from all of our revenue synergies with the Yadkin acquisition. We're very pleased with our expense base and how we've been able to manage expenses and to gain efficiency and positive operating leverage that resulted in a 53% efficiency ratio. We're going to continue to focus on delivering earnings growth over the next four quarters or more. I know we've been out on the road telling people that our focus is to drive EPS growth and continue to benefit from our investments that were made in the Southeast and we're very pleased with how that's going on just about every front other than a couple of categories that we're going to work on from a fee income perspective. So I just wanted to say I think we're in a better position today than we've been in our past. We're positioned very well in a number of markets that can provide us with significant growth opportunities and this company has proven time and time again that we can execute. So, I want to thank you for participating in the call and I look forward to our fourth quarter call and the wrap-up for the year, so take care, thank you.


Thank you. The conference is now concluded. Thank you for attending today's presentation. You may now disconnect.