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Financial Highlights
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FULTON FINANCIAL CORPORATION (NASDAQ - FULT)
Select Period:
 2015 FQ12014 FQ1 2014 FQ4 
Period Ended3/31/20153/31/2014Y-Y Ch (%)12/31/2014 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets17,363,34116,911,8892.6717,124,7675.57
Total Net Loans12,971,92812,561,1203.2712,945,0940.83
Total Deposits13,514,49712,669,9176.6713,367,5064.40
Equity Attributable to Parent Company2,031,5132,058,719 (1.32) 1,996,6656.98
Total Equity2,031,5132,058,719 (1.32) 1,996,6656.98
Profitability (%)   
Net Income ($000) 40,03641,783 (4.18) 37,94922
Net Income Attributable to Parent ($000) 40,03641,783 (4.18) 37,94922
ROAA0.940.99 (5)  bp 0.895  bp
Core ROAA0.891.03 (14)  bp 0.881  bp
ROAE7.948.10 (16)  bp 7.4054  bp
ROATCE10.8110.98 (17)  bp 10.0477  bp
Core ROAE7.568.40 (84)  bp 7.3323  bp
Net Interest Margin3.233.43 (20)  bp 3.33 (10)  bp
Reported: Net Interest Margin3.273.47 (20)  bp 3.31 (4)  bp
Efficiency Ratio69.5462.18736  bp 67.53201  bp
Noninterest Inc / Operating Rev24.7322.91182  bp 24.3736  bp
Balance Sheet Ratios (%)   
Loans / Deposits97.05100.50 (345)  bp 98.09 (104)  bp
Securities / Assets13.4315.31 (188)  bp 13.98 (55)  bp
Total Equity / Total Assets11.7012.17 (47)  bp 11.664  bp
Tangible Equity / Tangible Assets8.919.32 (41)  bp 8.838  bp
Tang Common Equity / Tang Assets8.919.32 (41)  bp 8.838  bp
Asset Quality (%)   
NPAs / Assets1.241.27 (3)  bp 1.168  bp
NPA Excl Restructured / Assets0.830.88 (5)  bp 0.785  bp
NPAs & 90+ PD / Assets1.351.40 (5)  bp 1.269  bp
NPAs / Loans & REO1.631.69 (6)  bp 1.5211  bp
Nonaccrual & 90+ & OREO / Assets0.941.01 (7)  bp 0.886  bp
NPAs & 90+ PD / Loans & REO1.781.85 (7)  bp 1.6513  bp
NPA & Loans 90+ / Tangible Common Equity + LLR13.9813.7424  bp 13.1385  bp
NCOs / Avg Loans0.080.26 (18)  bp 0.25 (17)  bp
Loan Loss Reserves / Gross Loans1.351.54 (19)  bp 1.40 (5)  bp
Reserves / NPAs82.5791.44 (887)  bp 92.49 (992)  bp
Loan Loss Provision / NCO(143.80)29.72 (17,352)  bp 36.69 (18,049)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,518,939.001,551,184.00 (2.08) 1,489,853.007.81
Tier 1 Capital ($000) 1,558,551.001,717,184.00 (9.24) 1,655,853.00 (23.50)
Tier 2 Capital ($000) 434,769NANANANA
Total Capital ($000) 1,993,320.001,966,786.001.351,970,569.004.62
Total Risk-weighted Assets ($000) 13,609,99413,119,4853.7413,450,1664.75
Tier 1 Common Capital (CET1) Ratio (%) 11.1611.82 (66)  bp 11.088  bp
Tier 1 Ratio (%) 11.4513.09 (164)  bp 12.31 (86)  bp
Total Capital Ratio (%) 14.6514.99 (34)  bp 14.650  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.4210.53 (111)  bp 9.98 (56)  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 179,097,766188,850,396 (5.16) 178,924,2380.39
Avg Diluted Shares (actual) 179,457,000190,489,000 (5.79) 182,189,000 (6)
Basic Book Value per Share11.3410.904.0411.166.45
As-reported Book Value per Share11.3410.904.0411.166.45
Basic Tangible Book Value per Share8.378.083.598.198.79
Reported: Tangible Book Value8.378.083.598.198.79
Common Dividends Declared per Share0.090.0812.500.10 (40)
EPS after Extra0.220.2200.2119.05
EPS after Extra Growth (%) 010.00 (1,000)  bp (4.5)455  bp
Core EPS0.210.23 (8.70) 0.210
Core EPS Growth (%) (8.2)17.90 (2,612)  bp (6.6) (166)  bp
Diluted EPS before Amortization0.220.2200.2119.05
Pre-Provision Earnings per Share0.170.21 (19.05) 0.19 (42.11)
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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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