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Financial Highlights
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FULTON FINANCIAL CORPORATION (NASDAQ - FULT)
Select Period:
 2016 FQ12015 FQ1 2015 FQ4 
Period Ended3/31/20163/31/2015Y-Y Ch (%)12/31/2015 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets18,122,25417,363,3414.3717,914,7184.63
Total Net Loans13,726,57912,971,9285.8213,686,4341.17
Total Deposits14,404,28013,514,4976.5814,132,3177.70
Equity Attributable to Parent Company2,073,3092,031,5132.062,041,8946.15
Total Equity2,073,3092,031,5132.062,041,8946.15
Profitability (%)   
Net Income ($000) 38,25740,036 (4.44) 38,535 (2.89)
Net Income Attributable to Parent ($000) 38,25740,036 (4.44) 38,535 (2.89)
ROAA0.850.94 (9)  bp 0.87 (2)  bp
Core ROAA0.840.89 (5)  bp 0.86 (2)  bp
ROAE7.437.94 (51)  bp 7.57 (14)  bp
ROATCE10.0210.81 (79)  bp 10.24 (22)  bp
Core ROAE7.317.56 (25)  bp 7.47 (16)  bp
Net Interest Margin3.213.23 (2)  bp 3.22 (1)  bp
Reported: Net Interest Margin3.233.27 (4)  bp 3.194  bp
Efficiency Ratio68.3369.54 (121)  bp 66.63170  bp
Noninterest Inc / Operating Rev24.6424.73 (9)  bp 26.07 (143)  bp
Balance Sheet Ratios (%)   
Loans / Deposits96.3097.05 (75)  bp 97.92 (162)  bp
Securities / Assets14.2213.4280  bp 14.220  bp
Total Equity / Total Assets11.4411.70 (26)  bp 11.404  bp
Tangible Equity / Tangible Assets8.768.91 (15)  bp 8.697  bp
Tang Common Equity / Tang Assets8.768.91 (15)  bp 8.697  bp
Asset Quality (%)   
NPAs / AssetsNA1.24NA  bp 1.12NA  bp
NPA Excl Restructured / Assets0.730.83 (10)  bp 0.78 (5)  bp
NPAs & 90+ PD / AssetsNA1.35NA  bp 1.20NA  bp
NPAs / Loans & REONA1.63NA  bp 1.44NA  bp
Nonaccrual & 90+ & OREO / Assets0.820.94 (12)  bp 0.87 (5)  bp
NPAs & 90+ PD / Loans & REONA1.78NA  bp 1.55NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA13.98NA  bp 12.83NA  bp
NCOs / Avg Loans0.200.0812  bp 0.0218  bp
Loan Loss Reserves / Gross Loans1.181.35 (17)  bp 1.22 (4)  bp
Reserves / NPAsNA82.57NA  bp 84.48NA  bp
Loan Loss Provision / NCO22.25(143.80)16,605  bp 375.17 (35,292)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA1,518,939NA1,541,214NA
Tier 1 Capital ($000) NA1,558,551NA1,544,495NA
Tier 2 Capital ($000) NA434,769NA453,431NA
Total Capital ($000) NA1,993,320NA1,997,926NA
Total Risk-weighted Assets ($000) NA13,609,994NA15,185,855NA
Tier 1 Common Capital (CET1) Ratio (%) 10.1011.16 (106)  bp 10.15 (5)  bp
Tier 1 Ratio (%) 10.1011.45 (135)  bp 10.17 (7)  bp
Total Capital Ratio (%) 13.1014.65 (155)  bp 13.16 (6)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.909.42 (52)  bp 8.97 (7)  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 173,393,000179,097,766 (3.19) 174,175,657 (1.80)
Avg Diluted Shares (actual) 174,416,000179,457,000 (2.81) 174,833,000 (0.95)
Basic Book Value per Share11.9611.345.4711.728.19
As-reported Book Value per Share11.9611.345.4711.728.19
Basic Tangible Book Value per Share8.898.376.218.6710.15
Reported: Tangible Book Value8.898.376.218.6710.15
Common Dividends Declared per Share0.090.0900.11 (72.73)
EPS after Extra0.220.2200.220
EPS after Extra Growth (%) 000  bp 4.80 (476)  bp
Core EPS0.220.214.760.220
Core EPS Growth (%) 3.40(8.2)1,159  bp 4.40 (99)  bp
Diluted EPS before Amortization0.220.2200.220
Pre-Provision Earnings per Share0.190.1711.760.20 (20)
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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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