Financial Highlights

FULTON FINANCIAL CORPORATION (NASDAQ - FULT)

Select Period:

	2013 FQ1	2012 FQ1		2012 FQ4
Period Ended	3/31/2013	3/31/2012	Y-Y Ch (%)	12/31/2012	Q-Q Ch (%)^†
Balance Sheet ($000)
Total Assets	16,682,737	16,540,659	0.86	16,533,097	3.62
Total Net Loans	12,220,292	11,773,636	3.79	11,990,967	7.65
Total Deposits	12,388,460	12,352,337	0.29	12,484,163	(3.07)
Equity Attributable to Parent Company	2,061,763	2,022,863	1.92	2,081,656	(3.82)
Total Equity	2,061,763	2,022,863	1.92	2,081,656	(3.82)
Profitability (%)
Net Income ($000)	39,227	38,132	2.87	40,240	(10.07)
Net Income Attributable to Parent ($000)	39,227	38,132	2.87	40,240	(10.07)
ROAA	0.95	0.94	1 bp	0.99	(4) bp
Core ROAA	0.92	0.93	(1) bp	0.95	(3) bp
ROAE	7.57	7.56	1 bp	7.74	(17) bp
ROATCE	10.29	10.50	(21) bp	10.57	(28) bp
Core ROAE	7.32	7.51	(19) bp	7.40	(8) bp
Net Interest Margin	3.51	3.83	(32) bp	3.67	(16) bp
Reported: Net Interest Margin	3.55	3.85	(30) bp	3.65	(10) bp
Efficiency Ratio	61.75	56.80	495 bp	59.58	217 bp
Noninterest Inc / Operating Rev	25.68	26.65	(97) bp	28.66	(298) bp
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	99.91	96.82	309 bp	97.30	261 bp
Securities / Assets	16.86	18.71	(185) bp	16.93	(7) bp
Total Equity / Total Assets	12.36	12.23	13 bp	12.59	(23) bp
Tangible Equity / Tangible Assets	9.46	9.25	21 bp	9.66	(20) bp
Tang Common Equity / Tang Assets	9.46	9.25	21 bp	9.66	(20) bp
Tier 1 Common Capital Ratio	NA	11.68	NA bp	12.07	NA bp
Tier 1 Ratio	13.00	13.00	0 bp	13.37	(37) bp
Risk-based Capital Ratio	15.20	15.54	(34) bp	15.57	(37) bp
Leverage Ratio (Bank, BHC Only)	10.60	10.43	17 bp	10.95	(35) bp
Core Cap / Tang Assets (OTS Only)	NA	NA	NA	NA	NA
Asset Quality (%)
NPAs / Assets	NA	2.15	NA bp	1.77	NA bp
NPA Excl Restructured / Assets	1.22	1.71	(49) bp	1.28	(6) bp
NPAs & 90+ PD / Assets	NA	2.36	NA bp	1.93	NA bp
NPAs / Loans & REO	NA	2.94	NA bp	2.39	NA bp
Nonaccrual & 90+ & OREO / Assets	1.39	1.92	(53) bp	1.43	(4) bp
NPAs & 90+ PD / Loans & REO	NA	3.24	NA bp	2.61	NA bp
NPA & Loans 90+ / Tangible Common Equity + LLR	NA	22.49	NA bp	18.02	NA bp
NCOs / Avg Loans	0.61	0.93	(32) bp	0.91	(30) bp
Loan Loss Reserves / Gross Loans	1.77	2.13	(36) bp	1.83	(6) bp
Reserves / NPAs	NA	72.21	NA bp	76.47	NA bp
Loan Loss Provision / NCO	79.58	100.09	(2,051) bp	63.55	1,603 bp
Per Share Information ($)
Common Shares Outstanding (actual)	195,276,000	200,353,624	(2.53)	199,225,041	(7.93)
Avg Diluted Shares (actual)	197,217,000	200,344,000	(1.56)	199,198,000	(3.98)
Basic Book Value per Share	10.56	10.10	4.55	10.45	4.21
As-reported Book Value per Share	10.56	10.10	4.55	10.45	4.21
Basic Tangible Book Value per Share	7.82	7.38	5.96	7.76	3.09
Reported: Tangible Book Value	7.82	7.38	5.96	7.76	3.09
Common Dividends Declared per Share	0.08	0.07	14.29	0.08	0
EPS after Extra	0.20	0.19	5.26	0.20	0
EPS after Extra Growth (%)	5.30	11.80	(650) bp	11.10	(585) bp
Core EPS	0.19	0.19	0	0.19	0
Core EPS Growth (%)	2.70	13.30	(1,065) bp	6.90	(419) bp
Diluted EPS before Amortization	0.20	0.19	5.26	0.20	0
Pre-Provision Earnings Per Share	0.21	0.25	(16)	0.23	(34.78)

Loading ... ... Please wait

^† 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.


Copyright 2013, © SNL Financial LC Terms of Use

Investor Relations