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FULTON FINANCIAL CORPORATION (NASDAQ - FULT)
Select Period:
 2015 FQ22014 FQ2 2015 FQ1 
Period Ended6/30/20156/30/2014Y-Y Ch (%)3/31/2015 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets17,365,47317,033,6391.9517,363,3410.05
Total Net Loans13,110,72512,683,9053.3712,971,9284.28
Total Deposits13,505,70912,693,6596.4013,514,497 (0.26)
Equity Attributable to Parent Company2,024,8172,099,800 (3.57) 2,031,513 (1.32)
Total Equity2,024,8172,099,800 (3.57) 2,031,513 (1.32)
Profitability (%)   
Net Income ($000) 36,68039,596 (7.36) 40,036 (33.53)
Net Income Attributable to Parent ($000) 36,68039,596 (7.36) 40,036 (33.53)
ROAA0.850.94 (9)  bp 0.94 (9)  bp
Core ROAA0.820.93 (11)  bp 0.89 (7)  bp
ROAE7.227.61 (39)  bp 7.94 (72)  bp
ROATCE9.8010.28 (48)  bp 10.81 (101)  bp
Core ROAE6.937.51 (58)  bp 7.56 (63)  bp
Net Interest Margin3.203.40 (20)  bp 3.23 (3)  bp
Reported: Net Interest Margin3.203.41 (21)  bp 3.27 (7)  bp
Efficiency Ratio68.9465.85309  bp 69.54 (60)  bp
Noninterest Inc / Operating Rev26.3925.4990  bp 24.73166  bp
Balance Sheet Ratios (%)   
Loans / Deposits98.06101.15 (309)  bp 97.05101  bp
Securities / AssetsNA15.18NA  bp 13.43NA  bp
Total Equity / Total Assets11.6612.33 (67)  bp 11.70 (4)  bp
Tangible Equity / Tangible Assets8.879.50 (63)  bp 8.91 (4)  bp
Tang Common Equity / Tang Assets8.879.50 (63)  bp 8.91 (4)  bp
Asset Quality (%)   
NPAs / AssetsNA1.24NA  bp 1.24NA  bp
NPA Excl Restructured / Assets0.820.84 (2)  bp 0.83 (1)  bp
NPAs & 90+ PD / AssetsNA1.35NA  bp 1.35NA  bp
NPAs / Loans & REONA1.64NA  bp 1.63NA  bp
Nonaccrual & 90+ & OREO / Assets0.930.96 (3)  bp 0.94 (1)  bp
NPAs & 90+ PD / Loans & REONA1.79NA  bp 1.78NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA13.11NA  bp 13.98NA  bp
NCOs / Avg Loans0.380.2810  bp 0.0830  bp
Loan Loss Reserves / Gross Loans1.261.49 (23)  bp 1.35 (9)  bp
Reserves / NPAsNA90.75NA  bp 82.57NA  bp
Loan Loss Provision / NCO17.7338.61 (2,088)  bp (143.80)16,153  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA1,584,150NA1,518,939NA
Tier 1 Capital ($000) NA1,750,150NA1,558,551NA
Tier 2 Capital ($000) NANANA434,769NA
Total Capital ($000) NA1,961,005NA1,993,320NA
Total Risk-weighted Assets ($000) NA13,218,704NA13,609,994NA
Tier 1 Common Capital (CET1) Ratio (%) NA11.98NA  bp 11.16NA  bp
Tier 1 Ratio (%) NA13.24NA  bp 11.45NA  bp
Total Capital Ratio (%) NA14.84NA  bp 14.65NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA10.75NA  bp 9.42NA  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 176,019,000189,032,618 (6.88) 179,097,766 (6.88)
Avg Diluted Shares (actual) 177,531,000189,182,000 (6.16) 179,457,000 (4.29)
Basic Book Value per Share11.5011.113.5111.345.64
As-reported Book Value per Share11.5011.113.5111.345.64
Basic Tangible Book Value per Share8.488.292.298.375.26
Reported: Tangible Book Value8.488.292.298.375.26
Common Dividends Declared per Share0.090.0812.500.090
EPS after Extra0.210.2100.22 (18.18)
EPS after Extra Growth (%) 000  bp 00  bp
Core EPS0.200.21 (4.76) 0.21 (19.05)
Core EPS Growth (%) (2.8)2.50 (534)  bp (8.2)541  bp
Diluted EPS before Amortization0.210.2100.22 (18.18)
Pre-Provision Earnings per Share0.180.19 (5.26) 0.1723.53
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   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.



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