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Fulton Bank
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Fulton Bank

Financial Highlights

Financial Highlights
2020 FQ4
12/31/2020
2019 FQ4
12/31/2019
Y-Y Ch (%)
2020 FQ3
9/30/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 25,906,733 21,886,040 18.37 25,543,281 5.69
Total Net Loans 18,707,139 16,711,732 11.94 18,855,417 (3.15)
Total Deposits 20,839,207 17,393,913 19.81 20,730,051 2.11
Equity Attributable to Parent Company 2,616,828 2,342,176 11.73 2,390,261 37.92
Total Equity 2,616,828 2,342,176 11.73 2,390,261 37.92
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 50,825 47,789 6.35 61,610 (70.02)
Net Income Attributable to Parent($000) 50,825 47,789 6.35 61,610 (70.02)
ROAA 0.79 0.88 (9) bp 0.98 (19) bp
Core ROAA 0.98 0.87 11 bp 0.99 (1) bp
ROAE 7.99 8.16 (17) bp 10.38 (239) bp
ROATCE 10.37 10.61 (24) bp 13.42 (305) bp
Core ROAE 9.92 8.08 184 bp 10.50 (58) bp
Net Interest Margin 2.76 3.24 (48) bp 2.71 5 bp
Reported: Net Interest Margin 2.75 3.22 (47) bp 2.70 5 bp
Efficiency Ratio 63.23 62.25 98 bp 62.72 51 bp
Noninterest Inc/ Operating Rev 25.59 25.77 (18) bp 29.10 (351) bp
Balance Sheet Ratios (%)
Loans/ Deposits 90.70 96.80 (610) bp 91.79 (109) bp
Securities/ Assets NA 13.55 NA 12.50 NA
Total Equity/ Total Assets 10.10 10.70 (60) bp 9.36 74 bp
Tangible Equity/ Tangible Assets 8.20 8.46 (26) bp 7.42 78 bp
Tang Common Equity/ Tang Assets 7.44 8.46 (102) bp 7.42 2 bp
Asset Quality (%)
NPAs/ Assets NA 0.85 NA 0.79 NA
NPA Excl Restructured/ Assets 0.55 0.60 (5) bp 0.52 3 bp
NPAs & 90+ PD/ Assets NA 0.92 NA 0.85 NA
NPAs/ Loans & REO NA 1.10 NA 1.06 NA
Nonaccrual & 90+ & OREO/ Assets 0.58 0.68 (10) bp 0.57 1 bp
NPAs & 90+ PD/ Loans & REO NA 1.19 NA 1.13 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.22 NA 10.17 NA
NCOs/ Avg Loans (0.07) 0.65 (72) bp (0.05) (2) bp
Loan Loss Reserves/ Gross Loans 1.46 0.97 49 bp 1.40 6 bp
Reserves/ NPAs NA 88.30 NA 132 NA
Loan Loss Provision/ NCO NM 90.73 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,796,987 NA 1,849,619 NA
Tier 1 Capital($000) NA 1,796,987 NA 1,849,619 NA
Tier 2 Capital($000) NA 382,210 NA 813,265 NA
Total Capital($000) NA 2,179,197 NA 2,662,884 NA
Total Risk-weighted Assets($000) NA 18,517,809 NA 19,275,425 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.40 9.67 (27) bp 9.60 (20) bp
Tier 1 Ratio(%) 10.30 9.67 63 bp 9.60 70 bp
Total Capital Ratio(%) 14.50 11.79 271 bp 13.81 69 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.10 8.47 (37) bp 7.50 60 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 162,350,000 164,217,863 (1.14) 162,134,201 0.53
Avg Diluted Shares(actual) 163,071,000 165,039,000 (1.19) 162,579,000 1.21
Basic Book Value per Share 14.93 14.26 4.70 14.74 5.16
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 11.62 11 5.64 11.44 6.29
Tangible Book Value per Share, As Reported 11.62 11 5.64 11.44 6.29
Common Dividends Declared per Share 0.17 0.17 0 0.13 123.08
EPS after Extra 0.30 0.29 3.45 0.38 (84.21)
EPS after Extra Growth(%) 3.40 (12.10) 1,557 bp 2.70 75 bp
Core EPS 0.38 0.29 31.03 0.38 0
Core EPS Growth(%) 30.90 (6.70) 3,767 bp (2.40) 3,335 bp
Diluted EPS before Amortization 0.30 0.29 3.45 0.38 (84.21)
Pre-Provision Earnings per Share 0.37 0.38 (2.63) 0.39 (20.51)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.