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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 / Assets14.2313.4281  bp 14.221  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 / Assets1.051.24 (19)  bp 1.12 (7)  bp
NPA Excl Restructured / Assets0.730.83 (10)  bp 0.78 (5)  bp
NPAs & 90+ PD / Assets1.131.35 (22)  bp 1.20 (7)  bp
NPAs / Loans & REO1.361.63 (27)  bp 1.44 (8)  bp
Nonaccrual & 90+ & OREO / Assets0.820.94 (12)  bp 0.87 (5)  bp
NPAs & 90+ PD / Loans & REO1.471.78 (31)  bp 1.55 (8)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR12.0013.98 (198)  bp 12.83 (83)  bp
NCOs / Avg Loans0.200.0812  bp 0.0218  bp
Loan Loss Reserves / Gross Loans1.181.35 (17)  bp 1.22 (4)  bp
Reserves / NPAs86.3582.57378  bp 84.48187  bp
Loan Loss Provision / NCO22.25(143.80)16,605  bp 375.17 (35,292)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,554,4591,518,9392.341,541,2143.44
Tier 1 Capital ($000) 1,554,4591,558,551 (0.26) 1,544,4952.58
Tier 2 Capital ($000) 452,081434,7693.98453,431 (1.19)
Total Capital ($000) 2,006,5401,993,3200.661,997,9261.72
Total Risk-weighted Assets ($000) 15,372,23913,609,99412.9515,185,8554.91
Tier 1 Common Capital (CET1) Ratio (%) 10.1111.16 (105)  bp 10.15 (4)  bp
Tier 1 Ratio (%) 10.1111.45 (134)  bp 10.17 (6)  bp
Total Capital Ratio (%) 13.0514.65 (160)  bp 13.16 (11)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.939.42 (49)  bp 8.97 (4)  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 173,393,456179,097,766 (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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