Fulton Financial (FULT) 8-K Fulton Financial reports second quarter earnings of $0.21 per share

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
											% Change from
		June 30			June 30			March			June 30		March
		2015			2014			2015			2014		2015
ASSETS
	Cash and due from banks	$	100,455		$	258,837		$	91,870		(61.2	)%	9.3	%
	Other interest-earning assets	387,324			305,518			703,667			26.8	%	(45.0	)%
	Loans held for sale	33,980			36,079			34,124			(5.8	)%	(0.4	)%
	Investment securities	2,440,492			2,497,776			2,259,802			(2.3	)%	8.0	%
	Loans, net of unearned income	13,244,230			12,839,511			13,115,505			3.2	%	1.0	%
	Allowance for loan losses	(167,485		)	(191,685		)	(177,701		)	(12.6	)%	(5.7	)%
	Net loans	13,076,745			12,647,826			12,937,804			3.4	%	1.1	%
	Premises and equipment	226,794			225,168			226,241			0.7	%	0.2	%
	Accrued interest receivable	41,193			42,116			42,216			(2.2	)%	(2.4	)%
	Goodwill and intangible assets	531,567			532,432			531,672			(0.2	)%	—	%
	Other assets	526,923			487,887			535,945			8.0	%	(1.7	)%
	Total Assets	$	17,365,473		$	17,033,639		$	17,363,341		1.9	%	—	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	13,505,709		$	12,693,659		$	13,514,497		6.4	%	(0.1	)%
	Short-term borrowings	409,035			1,008,307			410,105			(59.4	)%	(0.3	)%
	Other liabilities	293,271			263,478			312,709			11.3	%	(6.2	)%
	FHLB advances and long-term debt	1,132,641			968,395			1,094,517			17.0	%	3.5	%
	Total Liabilities	15,340,656			14,933,839			15,331,828			2.7	%	0.1	%
	Shareholders' equity	2,024,817			2,099,800			2,031,513			(3.6	)%	(0.3	)%
	Total Liabilities and Shareholders' Equity	$	17,365,473		$	17,033,639		$	17,363,341		1.9	%	—	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	5,237,800		$	5,128,734		$	5,227,101		2.1	%	0.2	%
	Commercial - industrial, financial and agricultural	3,806,699			3,601,721			3,762,631			5.7	%	1.2	%
	Real estate - home equity	1,689,688			1,730,497			1,701,623			(2.4	)%	(0.7	)%
	Real estate - residential mortgage	1,369,103			1,361,976			1,364,788			0.5	%	0.3	%
	Real estate - construction	731,925			634,018			677,806			15.4	%	8.0	%
	Consumer	272,494			280,557			257,301			(2.9	)%	5.9	%
	Leasing and other	136,521			102,008			124,255			33.8	%	9.9	%
	Total Loans, net of unearned income	$	13,244,230		$	12,839,511		$	13,115,505		3.2	%	1.0	%
Deposits, by type:
	Noninterest-bearing demand	$	3,805,165		$	3,484,125		$	3,765,677		9.2	%	1.0	%
	Interest-bearing demand	3,129,903			2,855,511			3,133,748			9.6	%	(0.1	)%
	Savings deposits	3,566,888			3,338,018			3,567,652			6.9	%	—	%
	Time deposits	3,003,753			3,016,005			3,047,420			(0.4	)%	(1.4	)%
	Total Deposits	$	13,505,709		$	12,693,659		$	13,514,497		6.4	%	(0.1	)%
Short-term borrowings, by type:
	Customer repurchase agreements	$	169,918		$	212,930		$	161,886		(20.2	)%	5.0	%
	Customer short-term promissory notes	74,059			86,366			93,176			(14.2	)%	(20.5	)%
	Short-term FHLB advances	160,000			325,000			155,000			(50.8	)%	3.2	%
	Federal funds purchased	5,058			384,011			43			(98.7	)%	N/M
	Total Short-term Borrowings	$	409,035		$	1,008,307		$	410,105		(59.4	)%	(0.3	)%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
in thousands, except per-share data and percentages
		Three Months Ended									% Change from				Six Months Ended
		June 30			June 30			March 31			June 30		March 31		June 30
		2015			2014			2015			2014		2015		2015			2014			% Change
Interest Income:
	Interest income	$	144,229		$	147,902		$	145,772		(2.5	)%	(1.1	)%	$	290,001		$	296,694		(2.3	)%
	Interest expense	21,309			20,004			22,191			6.5	%	(4.0	)%	43,500			39,231			10.9	%
	Net Interest Income	122,920			127,898			123,581			(3.9	)%	(0.5	)%	246,501			257,463			(4.3	)%
	Provision for credit losses	2,200			3,500			(3,700		)	(37.1	)%	N/M		(1,500		)	6,000			N/M
	Net Interest Income after Provision	120,720			124,398			127,281			(3.0	)%	(5.2	)%	248,001			251,463			(1.4	)%
Non-Interest Income:
	Service charges on deposit accounts	12,637			12,552			11,569			0.7	%	9.2	%	24,206			24,263			(0.2	)%
	Investment management and trust services	11,011			11,339			10,889			(2.9	)%	1.1	%	21,900			22,297			(1.8	)%
	Other service charges and fees	10,988			10,526			9,363			4.4	%	17.4	%	20,351			19,453			4.6	%
	Mortgage banking income	5,339			5,741			4,688			(7.0	)%	13.9	%	10,027			9,346			7.3	%
	Investment securities gains	2,415			1,112			4,145			117.2	%	(41.7	)%	6,560			1,112			489.9	%
	Other	4,099			3,602			4,083			13.8	%	0.4	%	8,182			6,907			18.5	%
	Total Non-Interest Income	46,489			44,872			44,737			3.6	%	3.9	%	91,226			83,378			9.4	%
Non-Interest Expense:
	Salaries and employee benefits	65,067			63,623			64,990			2.3	%	0.1	%	130,057			123,189			5.6	%
	Net occupancy expense	11,809			11,464			13,692			3.0	%	(13.8	)%	25,501			25,067			1.7	%
	Other outside services	8,125			7,240			5,750			12.2	%	41.3	%	13,875			11,052			25.5	%
	Data processing	4,894			4,331			4,768			13.0	%	2.6	%	9,662			8,127			18.9	%
	Software	3,376			3,209			3,318			5.2	%	1.7	%	6,694			6,134			9.1	%
	Equipment expense	3,335			3,360			3,958			(0.7	)%	(15.7	)%	7,293			6,962			4.8	%
	FDIC insurance expense	2,885			2,615			2,822			10.3	%	2.2	%	5,707			5,304			7.6	%
	Professional fees	2,731			3,559			2,871			(23.3	)%	(4.9	)%	5,602			6,463			(13.3	)%
	Marketing	2,235			2,337			1,233			(4.4	)%	81.3	%	3,468			3,921			(11.6	)%
	Operating risk loss	674			716			827			(5.9	)%	(18.5	)%	1,501			2,544			(41.0	)%
	Other real estate owned and repossession expense	129			748			1,362			(82.8	)%	(90.5	)%	1,491			1,731			(13.9	)%
	Intangible amortization	106			315			130			(66.3	)%	(18.5	)%	236			630			(62.5	)%
	Other	12,988			12,657			12,757			2.6	%	1.8	%	25,745			24,604			4.6	%
	Total Non-Interest Expense	118,354			116,174			118,478			1.9	%	(0.1	)%	236,832			225,728			4.9	%
	Income Before Income Taxes	48,855			53,096			53,540			(8.0	)%	(8.8	)%	102,395			109,113			(6.2	)%
	Income tax expense	12,175			13,500			13,504			(9.8	)%	(9.8	)%	25,679			27,734			(7.4	)%
	Net Income	$	36,680		$	39,596		$	40,036		(7.4	)%	(8.4	)%	$	76,716		$	81,379		(5.7	)%
PER SHARE:
	Net income:
	Basic	$	0.21		$	0.21		$	0.22		—	%	(4.5	)%	$	0.43		$	0.43		—	%
	Diluted	0.21			0.21			0.22			—	%	(4.5	)%	0.43			0.43			—	%
	Cash dividends	$	0.09		$	0.08		$	0.09		12.5	%	—	%	$	0.18		$	0.16		12.5	%
	Shareholders' equity	11.50			11.11			11.34			3.5	%	1.4	%	11.50			11.11			3.5	%
	Shareholders' equity (tangible)	8.48			8.29			8.37			2.3	%	1.3	%	8.48			8.29			2.3	%
	Weighted average shares (basic)	176,433			188,139			178,471			(6.2	)%	(1.1	)%	177,446			188,799			(6.0	)%
	Weighted average shares (diluted)	177,531			189,182			179,457			(6.2	)%	(1.1	)%	178,488			189,832			(6.0	)%
	Shares outstanding, end of period	176,019			189,033			179,098			(6.9	)%	(1.7	)%	176,019			189,033			(6.9	)%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.86		%	0.94		%	0.95		%					0.90		%	0.97		%
	Return on average shareholders' equity	7.24		%	7.63		%	8.05		%					7.64		%	7.92		%
	Return on average shareholders' equity (tangible)	9.83		%	10.30		%	10.96		%					10.39		%	10.71		%
	Net interest margin	3.20		%	3.41		%	3.27		%					3.24		%	3.44		%
	Efficiency ratio	68.94		%	65.85		%	70.16		%					69.55		%	64.63		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		June 30, 2015								June 30, 2014							March 31, 2015
		Average						Yield/		Average						Yield/	Average						Yield/
		Balance			Interest (1)			Rate		Balance			Interest (1)			Rate	Balance			Interest (1)			Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	13,192,600		$	133,339		4.05%		$	12,795,747		$	134,387		4.21%	$	13,095,528		$	133,055		4.11%
	Taxable investment securities	2,048,558			10,944			2.14%		2,211,004			12,418			2.25%	2,005,542			11,282			2.25%
	Tax-exempt investment securities	216,355			2,894			5.35%		270,482			3,534			5.23%	229,082			3,212			5.61%
	Equity securities	27,618			379			5.50%		33,922			419			4.95%	32,210			450			5.66%
	Total Investment Securities	2,292,531			14,217			2.48%		2,515,408			16,371			2.60%	2,266,834			14,944			2.64%
	Loans held for sale	26,335			265			4.03%		17,540			214			4.87%	17,002			173			4.07%
	Other interest-earning assets	439,425			933			0.85%		238,921			1,207			2.02%	474,033			2,105			1.78%
	Total Interest-earning Assets	15,950,891			148,754			3.74%		15,567,616			152,179			3.92%	15,853,397			150,277			3.83%
Noninterest-earning assets:
	Cash and due from banks	104,723								198,291							105,271
	Premises and equipment	226,569								224,586							226,391
	Other assets	1,094,071								1,037,654							1,114,078
	Less: allowance for loan losses	(176,085		)						(196,462		)					(183,927		)
	Total Assets	$	17,200,169							$	16,831,685						$	17,115,210
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,152,697		$	987		0.13%		$	2,914,887		$	904		0.12%	$	3,135,927		$	983		0.13%
	Savings deposits	3,568,579			1,247			0.14%		3,355,929			1,031			0.12%	3,517,057			1,119			0.13%
	Time deposits	3,027,520			7,819			1.04%		3,012,061			6,750			0.90%	3,061,593			7,721			1.02%
	Total Interest-bearing Deposits	9,748,796			10,053			0.41%		9,282,877			8,685			0.38%	9,714,577			9,823			0.41%
	Short-term borrowings	379,988			103			0.11%		1,047,684			540			0.21%	309,215			77			0.10%
	FHLB advances and long-term debt	1,026,987			11,153			4.35%		894,511			10,779			4.83%	1,124,074			12,291			4.40%
	Total Interest-bearing Liabilities	11,155,771			21,309			0.77%		11,225,072			20,004			0.71%	11,147,866			22,191			0.80%
Noninterest-bearing liabilities:
	Demand deposits	3,734,880								3,322,195							3,662,040
	Other	277,730								202,520							289,341
	Total Liabilities	15,168,381								14,749,787							15,099,247
	Shareholders' equity	2,031,788								2,081,898							2,015,963
	Total Liabilities and Shareholders' Equity	$	17,200,169							$	16,831,685						$	17,115,210
	Net interest income/net interest margin (fully taxable equivalent)				127,445			3.20%					132,175			3.41%				128,086			3.27%
	Tax equivalent adjustment				(4,525		)						(4,277		)					(4,505		)
	Net interest income				$	122,920							$	127,898						$	123,581
	(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Three Months Ended								% Change from
		June 30			June 30			March 31		June 30			March 31
		2015			2014			2015		2014			2015
Loans, by type:
	Real estate - commercial mortgage	$	5,210,540		$	5,138,537		$	5,163,845	1.4		%	0.9		%
	Commercial - industrial, financial and agricultural	3,836,397			3,617,977			3,770,187		6.0		%	1.8		%
	Real estate - home equity	1,695,171			1,735,767			1,721,300		(2.3		)%	(1.5		)%
	Real estate - residential mortgage	1,356,464			1,339,034			1,370,376		1.3		%	(1.0		)%
	Real estate - construction	698,685			588,176			688,690		18.8		%	1.5		%
	Consumer	265,354			276,444			259,138		(4.0		)%	2.4		%
	Leasing and other	129,989			99,812			121,992		30.2		%	6.6		%
	Total Loans, net of unearned income	$	13,192,600		$	12,795,747		$	13,095,528	3.1		%	0.7		%
Deposits, by type:
	Noninterest-bearing demand	$	3,734,880		$	3,322,195		$	3,662,040	12.4		%	2.0		%
	Interest-bearing demand	3,152,697			2,914,887			3,135,927		8.2		%	0.5		%
	Savings deposits	3,568,579			3,355,929			3,517,057		6.3		%	1.5		%
	Time deposits	3,027,520			3,012,061			3,061,593		0.5		%	(1.1		)%
	Total Deposits	$	13,483,676		$	12,605,072		$	13,376,617	7.0		%	0.8		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	179,804		$	216,212		$	173,625	(16.8		)%	3.6		%
	Customer short-term promissory notes	80,073			81,823			86,258		(2.1		)%	(7.2		)%
	Federal funds purchased	108,078			444,429			25,054		(75.7		)%	331.4		%
	Short-term FHLB advances and other borrowings	12,033			305,220			24,278		(96.1		)%	(50.4		)%
	Total Short-term Borrowings	$	379,988		$	1,047,684		$	309,215	(63.7		)%	22.9		%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Six Months Ended June 30
		2015								2014
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	13,144,332		$	266,394		4.08	%	$	12,779,145		$	269,131		4.24	%
	Taxable investment securities	2,027,170			22,226			2.19	%	2,234,259			25,684			2.30	%
	Tax-exempt investment securities	222,684			6,106			5.48	%	274,856			7,147			5.20	%
	Equity securities	29,901			829			5.58	%	33,922			848			5.03	%
	Total Investment Securities	2,279,755			29,161			2.56	%	2,543,037			33,679			2.65	%
	Loans held for sale	21,694			438			4.04	%	15,494			348			4.49	%
	Other interest-earning assets	456,633			3,038			1.33	%	248,807			2,089			1.68	%
	Total Interest-earning Assets	15,902,414			299,031			3.79	%	15,586,483			305,247			3.95	%
Noninterest-earning assets:
	Cash and due from banks	104,996								198,962
	Premises and equipment	226,480								225,436
	Other assets	1,104,019								1,034,877
	Less: allowance for loan losses	(179,985		)						(199,813		)
	Total Assets	$	17,157,924							$	16,845,945
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,144,358		$	1,970		0.13	%	$	2,929,965		$	1,813		0.12	%
	Savings deposits	3,542,960			2,366			0.13	%	3,353,910			2,066			0.12	%
	Time deposits	3,044,463			15,540			1.03	%	2,972,480			12,702			0.86	%
	Total Interest-bearing Deposits	9,731,781			19,876			0.41	%	9,256,355			16,581			0.36	%
	Short-term borrowings	344,797			180			0.10	%	1,127,872			1,173			0.21	%
	FHLB advances and long-term debt	1,075,262			23,444			4.38	%	889,051			21,477			4.85	%
	Total Interest-bearing Liabilities	11,151,840			43,500			0.78	%	11,273,278			39,231			0.70	%
Noninterest-bearing liabilities:
	Demand deposits	3,698,661								3,283,027
	Other	283,504								217,181
	Total Liabilities	15,134,005								14,773,486
	Shareholders' equity	2,023,919								2,072,459
	Total Liabilities and Shareholders' Equity	$	17,157,924							$	16,845,945
	Net interest income/net interest margin (fully taxable equivalent)				255,531			3.24	%				266,016			3.44	%
	Tax equivalent adjustment				(9,030		)						(8,553		)
	Net interest income				$	246,501							$	257,463
(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Six Months Ended
		June 30
		2015			2014			% Change
Loans, by type:
	Real estate - commercial mortgage	$	5,187,322		$	5,111,979		1.5	%
	Commercial - industrial, financial and agricultural	3,803,475			3,627,471			4.9	%
	Real estate - home equity	1,708,163			1,745,503			(2.1	)%
	Real estate - residential mortgage	1,363,382			1,337,686			1.9	%
	Real estate - construction	693,715			582,294			19.1	%
	Consumer	262,265			275,682			(4.9	)%
	Leasing and other	126,010			98,530			27.9	%
	Total Loans, net of unearned income	$	13,144,332		$	12,779,145		2.9	%
Deposits, by type:
	Noninterest-bearing demand	$	3,698,661		$	3,283,027		12.7	%
	Interest-bearing demand	3,144,358			2,929,965			7.3	%
	Savings deposits	3,542,960			3,353,910			5.6	%
	Time deposits	3,044,463			2,972,480			2.4	%
	Total Deposits	$	13,430,442		$	12,539,382		7.1	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	176,732		$	201,866		(12.5	)%
	Customer short-term promissory notes	83,148			91,856			(9.5	)%
	Federal funds purchased	66,795			430,407			(84.5	)%
	Short-term FHLB advances and other borrowings	18,122			403,743			(95.5	)%
	Total Short-term Borrowings	$	344,797		$	1,127,872		(69.4	)%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended									Six Months Ended
		Jun 30			Jun 30			Mar 31			Jun 30			Jun 30
		2015			2014			2015			2015			2014
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	179,658		$	199,006		$	185,931		$	185.931		$	204.917
	Loans charged off:
	Commercial - industrial, financial and agricultural	(11,166		)	(5,512		)	(1,863		)	(13,029		)	(10,637		)
	Real estate - commercial mortgage	(1,642		)	(2,141		)	(709		)	(2,351		)	(3,527		)
	Consumer and home equity	(1,227		)	(1,683		)	(1,548		)	(2,775		)	(4,085		)
	Real estate - residential mortgage	(783		)	(1,089		)	(1,281		)	(2,064		)	(1,935		)
	Real estate - construction	(87		)	(218		)	—			(87		)	(432		)
	Leasing and other	(467		)	(833		)	(363		)	(830		)	(1,128		)
	Total loans charged off	(15,372		)	(11,476		)	(5,764		)	(21,136		)	(21,744		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	1,471			775			786			2,257			1,519
	Real estate - commercial mortgage	451			430			436			887			474
	Consumer and home equity	557			579			492			1,049			1,144
	Real estate - residential mortgage	187			108			159			346			224
	Real estate - construction	231			158			1,147			1,378			382
	Leasing and other	70			362			171			241			526
	Recoveries of loans previously charged off	2,967			2,412			3,191			6,158			4,269
Net loans charged off		(12,405		)	(9,064		)	(2,573		)	(14,978		)	(17,475		)
Provision for credit losses		2,200			3,500			(3,700		)	(1,500		)	6,000
Balance at end of period		$	169,453		$	193,442		$	179,658		$169,453			$	193,442
Net charge-offs to average loans (annualized)		0.38		%	0.28		%	0.08		%	0.23		%	0.27		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	129,152		$	129,934		$	129,929
	Loans 90 days past due and accruing	20,353			19,378			19,365
	Total non-performing loans	149,505			149,312			149,294
	Other real estate owned	12,763			13,482			14,251
	Total non-performing assets	$	162,268		$	162,794		$	163,545
NON-PERFORMING LOANS, BY TYPE:
	Real estate - commercial mortgage	$	49,932		$	44,015		$	46,331
	Commercial - industrial, financial and agricultural	35,839			38,163			43,265
	Real estate - residential mortgage	31,562			27,887			28,595
	Consumer and home equity	17,215			18,919			16,939
	Real estate - construction	14,884			20,268			14,140
	Leasing	73			60			24
	Total non-performing loans	$	149,505		$	149,312		$	149,294
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	31,584		$	31,184		$	31,574
	Real-estate - commercial mortgage	17,482			19,398			23,468
	Real estate - construction	4,482			8,561			7,791
	Commercial - industrial, financial and agricultural	6,591			6,953			6,975
	Consumer and home equity	3,330			2,838			3,118
	Total accruing TDRs	$	63,469		$	68,934		$	72,926
	Non-accrual TDRs (1)	27,230			25,526			29,392
	Total TDRs	$	90,699		$	94,460		$	102,318
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:
		June 30, 2015						June 30, 2014						March 31, 2015
		31-89 Days		≥90 Days (2)		Total		31-89 Days		≥90 Days (2)		Total		31-89 Days		≥90 Days (2)		Total
	Real estate - commercial mortgage	0.34	%	0.96	%	1.30	%	0.30	%	0.86	%	1.16	%	0.50	%	0.89	%	1.39	%
	Commercial - industrial, financial and agricultural	0.22	%	0.93	%	1.15	%	0.47	%	1.05	%	1.52	%	0.26	%	1.15	%	1.41	%
	Real estate - construction	0.02	%	2.04	%	2.06	%	0.10	%	3.20	%	3.30	%	0.31	%	2.09	%	2.40	%
	Real estate - residential mortgage	1.53	%	2.30	%	3.83	%	1.78	%	2.05	%	3.83	%	1.75	%	2.10	%	3.85	%
	Consumer, home equity, leasing and other	0.69	%	0.83	%	1.52	%	0.84	%	0.90	%	1.74	%	0.92	%	0.81	%	1.73	%
	Total	0.47	%	1.13	%	1.60	%	0.58	%	1.17	%	1.75	%	0.62	%	1.14	%	1.76	%
(2) Includes non-accrual loans
ASSET QUALITY RATIOS:
		Jun 30		Jun 30		Mar 31
		2015		2014		2015
	Non-accrual loans to total loans	0.98	%	1.01	%	0.99	%
	Non-performing assets to total loans and OREO	1.22	%	1.27	%	1.25	%
	Non-performing assets to total assets	0.93	%	0.96	%	0.94	%
	Allowance for credit losses to loans outstanding	1.28	%	1.51	%	1.37	%
	Allowance for credit losses to non-performing loans	113.34	%	129.56	%	120.34	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	9.76	%	9.25	%	9.74	%

FULTON FINANCIAL CORPORATION
RECONCILIATION OF GAAP TO NON-GAAP MEASURES (UNAUDITED)
in thousands, except per share data and percentages
Explanatory note:	This press release contains supplemental financial information, as detailed below, which has been derived by methods other than Generally Accepted Accounting Principles ("GAAP"). The Corporation has presented these non-GAAP financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations. Presentation of these non-GAAP financial measures is consistent with how the Corporation evaluates its performance internally and these non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation's industry. Management believes that these non-GAAP financial measures, in addition to GAAP measures, are also useful to investors to evaluate the Corporation's results. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures, and the Corporation strongly encourages a review of its condensed consolidated financial statements in their entirety. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure follow:
		Three Months Ended									Six Months Ended
		June 30			June 30			March 31			Jun 30			Jun 30
		2015			2014			2015			2015			2014
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,024,817		$	2,099,800		$	2,031,513
Less: Goodwill and intangible assets		(531,567		)	(532,432		)	(531,672		)
Tangible shareholders' equity (numerator)		$	1,493,250		$	1,567,368		$	1,499,841
Shares outstanding, end of period (denominator)		176,019			189,033			179,098
Shareholders' equity (tangible), per share		$	8.48		$	8.29		$	8.37
Return on average common shareholders' equity (tangible)
Net income		$	36,680		$	39,596		$	40,036		$	76,716		$	81,379
Plus: Intangible amortization, net of tax		69			204			85			153			410
Numerator		$	36,749		$	39,800		$	40,121		$	76,869		$	81,789
Average shareholders' equity		$	2,031,788		$	2,081,898		$	2,015,963		$	2,023,919		$	2,072,459
Less: Average goodwill and intangible assets		(531,618		)	(532,585		)	(531,732		)	(531,675		)	(532,742		)
Average tangible shareholders' equity (denominator)		$	1,500,170		$	1,549,313		$	1,484,231		$	1,492,244		$	1,539,717
Return on average common shareholders' equity (tangible), annualized		9.83		%	10.30		%	10.96		%	10.39		%	10.71		%
Efficiency ratio
Non-interest expense		$	118,354		$	116,174		$	118,478		$	236,832		$	225,728
Less: Intangible amortization		(106		)	(315		)	(130		)	(236		)	(630		)
Numerator		$	118,248		$	115,859		$	118,348		$	236,596		$	225,098
Net interest income (fully taxable equivalent)		$	127,445		$	132,175		$	128,086		$	255,531		$	266,016
Plus: Total Non-interest income		46,489			44,872			44,737			91,226			83,378
Less: Investment securities gains		(2,415		)	(1,112		)	(4,145		)	(6,560		)	(1,112		)
Denominator		$	171,519		$	175,935		$	168,678		$	340,197		$	348,282
Efficiency ratio		68.94		%	65.85		%	70.16		%	69.55		%	64.64		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	162,268		$	162,794		$	163,545
Tangible shareholders' equity		$	1,493,250		$	1,567,368		$	1,499,841
Plus: Allowance for credit losses		169,453			193,442			179,658
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,662,703		$	1,760,810		$	1,679,499
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		9.76		%	9.25		%	9.74		%