Fulton Financial (FULT) 8-K Fulton Financial reports second quarter earnings of $40 million, or $0.23 per share

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																	% Change from
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Mar 31		Jun 30
		2016			2016			2015			2015			2015			2016		2015
ASSETS
	Cash and due from banks	$	84,647		$	83,479		$	101,120		$	93,803		$	100,455		1.4	%	(15.7	)%
	Other interest-earning assets	408,086			408,060			292,516			579,920			387,324			—	%	5.4	%
	Loans held for sale	34,330			19,719			16,886			26,937			33,980			74.1	%	1.0	%
	Investment securities	2,529,724			2,516,205			2,484,773			2,436,337			2,440,492			0.5	%	3.7	%
	Loans, net of unearned income	14,155,159			13,870,701			13,838,602			13,536,361			13,244,230			2.1	%	6.9	%
	Allowance for loan losses	(162,546		)	(163,841		)	(169,054		)	(167,136		)	(167,485		)	(0.8	)%	(2.9	)%
	Net loans	13,992,613			13,706,860			13,669,548			13,369,225			13,076,745			2.1	%	7.0	%
	Premises and equipment	228,861			228,057			225,535			225,705			226,794			0.4	%	0.9	%
	Accrued interest receivable	43,316			44,379			42,767			42,846			41,193			(2.4	)%	5.2	%
	Goodwill and intangible assets	531,556			531,556			531,556			531,562			531,567			—	%	—	%
	Other assets	626,902			583,939			550,017			531,724			526,923			7.4	%	19.0	%
	Total Assets	$	18,480,035		$	18,122,254		$	17,914,718		$	17,838,059		$	17,365,473		2.0	%	6.4	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	14,292,564		$	14,404,280		$	14,132,317		$	14,084,394		$	13,505,709		(0.8	)%	5.8	%
	Short-term borrowings	722,214			352,883			497,663			431,631			409,035			104.7	%	76.6	%
	Other liabilities	392,708			326,128			293,302			316,697			293,271			20.4	%	33.9	%
	FHLB advances and long-term debt	965,552			965,654			949,542			979,433			1,132,641			—	%	(14.8	)%
	Total Liabilities	16,373,038			16,048,945			15,872,824			15,812,155			15,340,656			2.0	%	6.7	%
	Shareholders' equity	2,106,997			2,073,309			2,041,894			2,025,904			2,024,817			1.6	%	4.1	%
	Total Liabilities and Shareholders' Equity	$	18,480,035		$	18,122,254		$	17,914,718		$	17,838,059		$	17,365,473		2.0	%	6.4	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	5,635,347		$	5,558,108		$	5,462,330		$	5,339,928		$	5,237,800		1.4	%	7.6	%
	Commercial - industrial, financial and agricultural	4,099,177			4,035,333			4,088,962			3,929,908			3,806,699			1.6	%	7.7	%
	Real estate - home equity	1,647,319			1,659,481			1,684,439			1,693,649			1,689,688			(0.7	)%	(2.5	)%
	Real estate - residential mortgage	1,447,292			1,377,459			1,376,160			1,382,085			1,369,103			5.1	%	5.7	%
	Real estate - construction	853,699			810,872			799,988			769,565			731,925			5.3	%	16.6	%
	Consumer	278,071			263,221			268,588			271,696			272,494			5.6	%	2.0	%
	Leasing and other	194,254			166,227			158,135			149,530			136,521			16.9	%	42.3	%
	Total Loans, net of unearned income	$	14,155,159		$	13,870,701		$	13,838,602		$	13,536,361		$	13,244,230		2.1	%	6.9	%
Deposits, by type:
	Noninterest-bearing demand	$	4,125,375		$	4,134,861		$	3,948,114		$	3,906,228		$	3,805,165		(0.2	)%	8.4	%
	Interest-bearing demand	3,358,536			3,430,206			3,451,207			3,362,336			3,129,903			(2.1	)%	7.3	%
	Savings deposits	3,986,008			3,972,199			3,868,046			3,880,103			3,566,888			0.3	%	11.8	%
	Time deposits	2,822,645			2,867,014			2,864,950			2,935,727			3,003,753			(1.5	)%	(6.0	)%
	Total Deposits	$	14,292,564		$	14,404,280		$	14,132,317		$	14,084,394		$	13,505,709		(0.8	)%	5.8	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	168,521		$	162,431		$	111,496		$	145,225		$	169,918		3.7	%	(0.8	)%
	Customer short-term promissory notes	69,509			76,807			78,932			80,879			74,059			(9.5	)%	(6.1	)%
	Short-term FHLB advances	35,000			81,000			110,000			200,000			160,000			(56.8	)%	(78.1	)%
	Federal funds purchased	449,184			32,645			197,235			5,527			5,058			N/M		N/M
	Total Short-term Borrowings	$	722,214		$	352,883		$	497,663		$	431,631		$	409,035		104.7	%	76.6	%
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
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Mar 31		Jun 30		Jun 30
		2016			2016			2015			2015			2015			2016		2015		2016			2015			% Change
Interest Income:
	Interest income	$	149,309		$	149,311		$	147,560		$	146,228		$	144,229		—	%	3.5	%	$	298,620		$	290,001		3.0	%
	Interest expense	20,393			20,257			19,761			20,534			21,309			0.7	%	(4.3	)%	40,650			43,500			(6.6	)%
	Net Interest Income	128,916			129,054			127,799			125,694			122,920			(0.1	)%	4.9	%	257,970			246,501			4.7	%
	Provision for credit losses	2,511			1,530			2,750			1,000			2,200			64.1	%	14.1	%	4,041			(1,500		)	N/M
	Net Interest Income after Provision	126,405			127,524			125,049			124,694			120,720			(0.9	)%	4.7	%	253,929			248,001			2.4	%
Non-Interest Income:
	Other service charges and fees	12,983			10,750			12,676			10,965			10,988			20.8	%	18.2	%	23,733			20,351			16.6	%
	Service charges on deposit accounts	12,896			12,558			12,909			12,982			12,637			2.7	%	2.0	%	25,454			24,206			5.2	%
	Investment management and trust services	11,247			10,988			10,919			11,237			11,011			2.4	%	2.1	%	22,235			21,900			1.5	%
	Mortgage banking income	3,897			4,030			4,317			3,864			5,339			(3.3	)%	(27.0	)%	7,927			10,027			(20.9	)%
	Other	5,038			3,864			4,242			3,996			4,099			30.4	%	22.9	%	8,902			8,182			8.8	%
	Non-Interest Income before Investment Securities Gains	46,061			42,190			45,063			43,044			44,074			9.2	%	4.5	%	88,251			84,666			4.2	%
	Investment securities gains	76			947			776			1,730			2,415			(92.0	)%	(96.9	)%	1,023			6,560			(84.4	)%
	Total Non-Interest Income	46,137			43,137			45,839			44,774			46,489			7.0	%	(0.8	)%	89,274			91,226			(2.1	)%
Non-Interest Expense:
	Salaries and employee benefits	70,029			69,372			65,467			65,308			65,067			0.9	%	7.6	%	139,401			130,057			7.2	%
	Net occupancy expense	11,811			12,220			11,566			10,710			11,809			(3.3	)%	—	%	24,031			25,501			(5.8	)%
	Other outside services	5,508			6,056			6,537			7,373			8,125			(9.0	)%	(32.2	)%	11,564			13,875			(16.7	)%
	Data processing	5,476			5,400			5,127			5,105			4,894			1.4	%	11.9	%	10,876			9,662			12.6	%
	Software	3,953			3,921			4,068			3,984			3,376			0.8	%	17.1	%	7,874			6,694			17.6	%
	Professional fees	3,353			2,333			2,814			2,828			2,731			43.7	%	22.8	%	5,686			5,602			1.5	%
	FDIC insurance expense	2,960			2,949			2,896			2,867			2,885			0.4	%	2.6	%	5,909			5,707			3.5	%
	Equipment expense	2,872			3,371			3,626			3,595			3,335			(14.8	)%	(13.9	)%	6,243			7,293			(14.4	)%
	Marketing	1,916			1,624			1,754			2,102			2,235			18.0	%	(14.3	)%	3,540			3,468			2.1	%
	Operating risk loss	986			540			987			1,136			674			82.6	%	46.3	%	1,526			1,501			1.7	%
	Other real estate owned and repossession expense	365			638			1,123			1,016			129			(42.8	)%	182.9	%	1,003			1,491			(32.7	)%
	Intangible amortization	—			—			6			5			106			—	%	N/M		—			236			(100.0	)%
	Loss on redemption of trust preferred securities	—			—			—			5,626			—			—	%	—	%	—			—			—	%
	Other	12,408			11,989			12,468			13,234			12,988			3.5	%	(4.5	)%	24,397			25,745			(5.2	)%
	Total Non-Interest Expense	121,637			120,413			118,439			124,889			118,354			1.0	%	2.8	%	242,050			236,832			2.2	%
	Income Before Income Taxes	50,905			50,248			52,449			44,579			48,855			1.3	%	4.2	%	101,153			102,395			(1.2	)%
	Income tax expense	11,155			11,991			13,914			10,328			12,175			(7.0	)%	(8.4	)%	23,146			25,679			(9.9	)%
	Net Income	$	39,750		$	38,257		$	38,535		$	34,251		$	36,680		3.9	%	8.4	%	$	78,007		$	76,716		1.7	%
PER SHARE:
	Net income:
	Basic	$	0.23		$	0.22		$	0.22		$	0.20		$	0.21		4.5	%	9.5	%	$	0.45		$	0.43		4.7	%
	Diluted	0.23			0.22			0.22			0.20			0.21			4.5	%	9.5	%	0.45			0.43			4.7	%
	Cash dividends	$	0.10		$	0.09		$	0.11		$	0.09		$	0.09		11.1	%	11.1	%	$	0.19		$	0.18		5.6	%
	Shareholders' equity	12.17			11.96			11.72			11.66			11.50			1.8	%	5.8	%	12.17			11.50			5.8	%
	Shareholders' equity (tangible)	9.10			8.89			8.67			8.60			8.48			2.4	%	7.3	%	9.10			8.48			7.3	%
	Weighted average shares (basic)	173,394			173,331			173,709			174,338			176,433			—	%	(1.7	)%	173,363			177,446			(2.3	)%
	Weighted average shares (diluted)	174,318			174,416			174,833			175,342			177,531			(0.1	)%	(1.8	)%	174,367			178,488			(2.3	)%
	Shares outstanding, end of period	173,139			173,393			174,176			173,771			176,019			(0.1	)%	(1.6	)%	173,139			176,019			(1.6	)%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.88		%	0.86		%	0.86		%	0.78		%	0.86		%					0.87		%	0.90		%
	Return on average shareholders' equity	7.65		%	7.47		%	7.51		%	6.72		%	7.24		%					7.56		%	7.64		%
	Return on average shareholders' equity (tangible)	10.26		%	10.07		%	10.16		%	9.11		%	9.83		%					10.17		%	10.39		%
	Net interest margin	3.20		%	3.23		%	3.19		%	3.18		%	3.20		%					3.22		%	3.24		%
	Efficiency ratio	67.59		%	68.33		%	66.63		%	68.82		%	68.94		%					67.96		%	69.55		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		June 30, 2016								March 31, 2016								June 30, 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	$	13,966,024		$	138,317		3.98%		$	13,853,420		$	137,895		4.00%		$	13,192,600		$	133,339		4.05%
	Taxable investment securities	2,127,780			11,159			2.10%		2,180,593			12,003			2.20%		2,048,558			10,944			2.14%
	Tax-exempt investment securities	314,851			3,570			4.54%		259,396			3,138			4.84%		216,355			2,894			5.35%
	Equity securities	14,220			185			5.23%		14,386			218			6.10%		27,618			379			5.50%
	Total Investment Securities	2,456,851			14,914			2.43%		2,454,375			15,359			2.50%		2,292,531			14,217			2.48%
	Loans held for sale	19,449			188			3.87%		12,252			131			4.28%		26,335			265			4.03%
	Other interest-earning assets	357,211			864			0.96%		358,562			898			1.00%		439,425			933			0.85%
	Total Interest-earning Assets	16,799,535			154,283			3.69%		16,678,609			154,283			3.72%		15,950,891			148,754			3.74%
Noninterest-earning assets:
	Cash and due from banks	100,860								98,449								104,723
	Premises and equipment	227,517								226,284								226,569
	Other assets	1,189,226								1,137,292								1,094,071
	Less: allowance for loan losses	(164,573		)						(167,372		)						(176,085		)
	Total Assets	$	18,152,565							$	17,973,262							$	17,200,169
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,454,031		$	1,527		0.18%		$	3,438,355		$	1,494		0.17%		$	3,152,697		$	987		0.13%
	Savings deposits	3,989,988			1,886			0.19%		3,932,824			1,804			0.18%		3,568,579			1,247			0.14%
	Time deposits	2,844,434			7,474			1.06%		2,867,651			7,429			1.04%		3,027,520			7,819			1.04%
	Total Interest-bearing Deposits	10,288,453			10,887			0.43%		10,238,830			10,727			0.42%		9,748,796			10,053			0.41%
	Short-term borrowings	403,669			217			0.21%		445,402			268			0.24%		379,988			103			0.11%
	FHLB advances and long-term debt	965,526			9,289			3.86%		958,213			9,262			3.88%		1,026,987			11,153			4.35%
	Total Interest-bearing Liabilities	11,657,648			20,393			0.70%		11,642,445			20,257			0.70%		11,155,771			21,309			0.77%
Noninterest-bearing liabilities:
	Demand deposits	4,077,642								3,967,887								3,734,880
	Other	327,360								304,131								277,730
	Total Liabilities	16,062,650								15,914,463								15,168,381
	Shareholders' equity	2,089,915								2,058,799								2,031,788
	Total Liabilities and Shareholders' Equity	$	18,152,565							$	17,973,262							$	17,200,169
	Net interest income/net interest margin (fully taxable equivalent)				133,890			3.20%					134,026			3.23%					127,445			3.20%
	Tax equivalent adjustment				(4,974		)						(4,972		)						(4,525		)
	Net interest income				$	128,916							$	129,054							$	122,920
	(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
		Jun 30			Mar 31			Dec 31		Sep 30			Jun 30			Mar 31		Jun 30
		2016			2016			2015		2015			2015			2016		2015
Loans, by type:
	Real estate - commercial mortgage	$	5,557,680		$	5,487,421		$	5,365,640	$	5,242,021		$	5,210,540		1.3	%	6.7		%
	Commercial - industrial, financial and agricultural	4,080,524			4,095,268			4,035,287		3,887,161			3,836,397			(0.4	)%	6.4		%
	Real estate - home equity	1,656,140			1,674,032			1,694,455		1,692,860			1,695,171			(1.1	)%	(2.3		)%
	Real estate - residential mortgage	1,399,851			1,381,409			1,377,116		1,381,141			1,356,464			1.3	%	3.2		%
	Real estate - construction	820,881			792,014			765,555		753,584			698,685			3.6	%	17.5		%
	Consumer	272,293			263,295			267,726		270,391			265,354			3.4	%	2.6		%
	Leasing and other	178,655			159,981			153,487		142,716			129,989			11.7	%	37.4		%
	Total Loans, net of unearned income	$	13,966,024		$	13,853,420		$	13,659,266	$	13,369,874		$	13,192,600		0.8	%	5.9		%
Deposits, by type:
	Noninterest-bearing demand	$	4,077,642		$	3,967,887		$	3,999,118	$	3,904,176		$	3,734,880		2.8	%	9.2		%
	Interest-bearing demand	3,454,031			3,438,355			3,411,904		3,316,532			3,152,697			0.5	%	9.6		%
	Savings deposits	3,989,988			3,932,824			3,903,741		3,714,282			3,568,579			1.5	%	11.8		%
	Time deposits	2,844,434			2,867,651			2,903,715		2,963,774			3,027,520			(0.8	)%	(6.0		)%
	Total Deposits	$	14,366,095		$	14,206,717		$	14,218,478	$	13,898,764		$	13,483,676		1.1	%	6.5		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	180,595		$	171,408		$	142,004	$	149,415		$	179,804		5.4	%	0.4		%
	Customer short-term promissory notes	77,535			74,013			80,568		79,308			80,073			4.8	%	(3.2		)%
	Federal funds purchased	138,012			183,970			44,468		85,092			108,078			(25.0	)%	27.7		%
	Short-term FHLB advances and other borrowings	7,527			16,011			14,457		10,870			12,033			(53.0	)%	(37.4		)%
	Total Short-term Borrowings	$	403,669		$	445,402		$	281,497	$	324,685		$	379,988		(9.4	)%	6.2		%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Six Months Ended June 30
		2016								2015
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	13,909,722		$	276,212		3.99	%	$	13,144,332		$	266,394		4.08	%
	Taxable investment securities	2,154,187			23,162			2.15	%	2,027,170			22,226			2.19	%
	Tax-exempt investment securities	287,123			6,708			4.67	%	222,684			6,106			5.48	%
	Equity securities	14,303			403			5.67	%	29,901			829			5.58	%
	Total Investment Securities	2,455,613			30,273			2.47	%	2,279,755			29,161			2.56	%
	Loans held for sale	15,850			319			4.03	%	21,694			438			4.04	%
	Other interest-earning assets	357,887			1,762			0.98	%	456,633			3,038			1.33	%
	Total Interest-earning Assets	16,739,072			308,566			3.70	%	15,902,414			299,031			3.79	%
Noninterest-earning assets:
	Cash and due from banks	99,654								104,996
	Premises and equipment	226,901								226,480
	Other assets	1,163,259								1,104,019
	Less: allowance for loan losses	(165,972		)						(179,985		)
	Total Assets	$	18,062,914							$	17,157,924
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,446,193		$	3,021		0.18	%	$	3,144,358		$	1,970		0.13	%
	Savings deposits	3,961,405			3,690			0.19	%	3,542,960			2,366			0.13	%
	Time deposits	2,856,044			14,903			1.05	%	3,044,463			15,540			1.03	%
	Total Interest-bearing Deposits	10,263,642			21,614			0.42	%	9,731,781			19,876			0.41	%
	Short-term borrowings	424,535			485			0.23	%	344,797			180			0.10	%
	FHLB advances and long-term debt	961,870			18,551			3.87	%	1,075,262			23,444			4.38	%
	Total Interest-bearing Liabilities	11,650,047			40,650			0.70	%	11,151,840			43,500			0.78	%
Noninterest-bearing liabilities:
	Demand deposits	4,022,764								3,698,661
	Other	315,746								283,504
	Total Liabilities	15,988,557								15,134,005
	Shareholders' equity	2,074,357								2,023,919
	Total Liabilities and Shareholders' Equity	$	18,062,914							$	17,157,924
	Net interest income/net interest margin (fully taxable equivalent)				267,916			3.22	%				255,531			3.24	%
	Tax equivalent adjustment				(9,946		)						(9,030		)
	Net interest income				$	257,970							$	246,501
(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
		2016			2015			% Change
Loans, by type:
	Real estate - commercial mortgage	$	5,522,550		$	5,187,322		6.5	%
	Commercial - industrial, financial and agricultural	4,087,897			3,803,475			7.5	%
	Real estate - home equity	1,665,086			1,708,163			(2.5	)%
	Real estate - residential mortgage	1,390,631			1,363,382			2.0	%
	Real estate - construction	806,448			693,715			16.3	%
	Consumer	267,794			262,265			2.1	%
	Leasing and other	169,316			126,010			34.4	%
	Total Loans, net of unearned income	$	13,909,722		$	13,144,332		5.8	%
Deposits, by type:
	Noninterest-bearing demand	$	4,022,764		$	3,698,661		8.8	%
	Interest-bearing demand	3,446,193			3,144,358			9.6	%
	Savings deposits	3,961,405			3,542,960			11.8	%
	Time deposits	2,856,044			3,044,463			(6.2	)%
	Total Deposits	$	14,286,406		$	13,430,442		6.4	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	176,001		$	176,732		(0.4	)%
	Customer short-term promissory notes	75,774			83,148			(8.9	)%
	Federal funds purchased	160,991			66,795			141.0	%
	Short-term FHLB advances and other borrowings	11,769			18,122			(35.1	)%
	Total Short-term Borrowings	$	424,535		$	344,797		23.1	%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended															Six Months Ended
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Jun 30			Jun 30
		2016			2015			2015			2015			2015			2016			2015
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	166,065		$	171,412		$	169,395		$	169,453		$	179,658		$	171,412		$	185,931
	Loans charged off:
	Commercial - industrial, financial and agricultural	(4,625		)	(6,188		)	(970		)	(1,640		)	(11,166		)	(10,813		)	(13,029		)
	Consumer and home equity	(1,614		)	(2,548		)	(1,466		)	(1,590		)	(1,227		)	(4,162		)	(2,775		)
	Real estate - residential mortgage	(340		)	(1,068		)	(513		)	(1,035		)	(783		)	(1,408		)	(2,064		)
	Real estate - commercial mortgage	(1,474		)	(582		)	(1,207		)	(660		)	(1,642		)	(2,056		)	(2,351		)
	Real estate - construction	(742		)	(326		)	—			(114		)	(87		)	(1,068		)	(87		)
	Leasing and other	(1,951		)	(443		)	(1,304		)	(522		)	(467		)	(2,394		)	(830		)
	Total loans charged off	(10,746		)	(11,155		)	(5,460		)	(5,561		)	(15,372		)	(21,901		)	(21,136		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	2,931			2,319			1,409			1,598			1,471			5,250			2,257
	Consumer and home equity	889			534			825			618			557			1,423			1,049
	Real estate - residential mortgage	420			136			775			201			187			556			346
	Real estate - commercial mortgage	1,367			825			1,072			842			451			2,192			887
	Real estate - construction	1,563			383			548			898			231			1,946			1,378
	Leasing and other	108			81			98			346			70			189			241
	Recoveries of loans previously charged off	7,278			4,278			4,727			4,503			2,967			11,556			6,158
Net loans charged off		(3,468		)	(6,877		)	(733		)	(1,058		)	(12,405		)	(10,345		)	(14,978		)
Provision for credit losses		2,511			1,530			2,750			1,000			2,200			4,041			(1,500		)
Balance at end of period		$	165,108		$	166,065		$	171,412		$	169,395		$	169,453		$	165,108		$	169,453
Net charge-offs to average loans (annualized)		0.10		%	0.20		%	0.02		%	0.03		%	0.38		%	0.15		%	0.23		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	111,742		$	122,170		$	129,523		$	132,154		$	129,152
	Loans 90 days past due and accruing	15,992			15,013			15,291			12,867			20,353
	Total non-performing loans	127,734			137,183			144,814			145,021			149,505
	Other real estate owned	11,918			10,946			11,099			10,561			12,763
	Total non-performing assets	$	139,652		$	148,129		$	155,913		$	155,582		$	162,268
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	38,902		$	39,140		$	44,071		$	38,032		$	35,839
	Real estate - commercial mortgage	35,704			43,132			41,170			49,021			49,932
	Real estate - residential mortgage	25,030			25,182			28,484			27,707			31,562
	Consumer and home equity	16,061			16,210			17,123			15,186			17,215
	Real estate - construction	11,879			12,005			12,460			14,989			14,884
	Leasing	158			1,514			1,506			86			73
	Total non-performing loans	$	127,734		$	137,183		$	144,814		$	145,021		$	149,505
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	27,324		$	27,565		$	28,511		$	29,330		$	31,584
	Real-estate - commercial mortgage	17,808			17,427			17,563			17,282			17,482
	Consumer and home equity	7,191			6,562			4,589			3,983			3,330
	Commercial - industrial, financial and agricultural	5,756			5,650			5,953			7,399			6,591
	Real estate - construction	3,086			3,092			3,942			4,363			4,482
	Total accruing TDRs	$	61,165		$	60,296		$	60,558		$	62,357		$	63,469
	Non-accrual TDRs (1)	24,887			27,277			31,035			27,618			27,230
	Total TDRs	$	86,052		$	87,573		$	91,593		$	89,975		$	90,699
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:		Total Delinquency %
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
		2016		2016		2015		2015		2015
	Real estate - commercial mortgage	0.81	%	0.93	%	0.91	%	1.08	%	1.30	%
	Commercial - industrial, financial and agricultural	1.25	%	1.46	%	1.27	%	1.32	%	1.16	%
	Real estate - construction	1.93	%	2.00	%	1.87	%	2.25	%	2.05	%
	Real estate - residential mortgage	2.70	%	3.10	%	3.40	%	3.27	%	3.83	%
	Consumer, home equity, leasing and other	1.47	%	1.48	%	1.58	%	1.41	%	1.52	%
	Total	1.30	%	1.44	%	1.41	%	1.49	%	1.60	%
(2) Includes non-accrual loans
ASSET QUALITY RATIOS:
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
		2016		2016		2015		2015		2015
	Non-accrual loans to total loans	0.79	%	0.88	%	0.94	%	0.98	%	0.98	%
	Non-performing loans to total loans	0.90	%	0.99	%	1.05	%	1.07	%	1.13	%
	Non-performing assets to total loans and OREO	0.99	%	1.07	%	1.13	%	1.15	%	1.22	%
	Non-performing assets to total assets	0.76	%	0.82	%	0.87	%	0.87	%	0.93	%
	Allowance for credit losses to loans outstanding	1.17	%	1.20	%	1.24	%	1.25	%	1.28	%
	Allowance for credit losses to non-performing loans	129.26	%	121.05	%	118.37	%	116.81	%	113.34	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	8.02	%	8.67	%	9.27	%	9.35	%	9.76	%

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
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Jun 30			Jun 30
		2016			2016			2015			2015			2015			2016			2015
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,106,997		$	2,073,309		$	2,041,894		$	2,025,904		$	2,024,817
Less: Goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,562		)	(531,567		)
Tangible shareholders' equity (numerator)		$	1,575,441		$	1,541,753		$	1,510,338		$	1,494,342		$	1,493,250
Shares outstanding, end of period (denominator)		173,139			173,393			174,176			173,771			176,019
Shareholders' equity (tangible), per share		$	9.10		$	8.89		$	8.67		$	8.60		$	8.48
Return on average common shareholders' equity (tangible)
Net income		$	39,750		$	38,257		$	38,535		$	34,251		$	36,680		$	78,007		$	76,716
Plus: Intangible amortization, net of tax		—			—			4			3			69			—			153
Numerator		$	39,750		$	38,257		$	38,539		$	34,254		$	36,749		$	78,007		$	76,869
Average shareholders' equity		$	2,089,915		$	2,058,799		$	2,036,769		$	2,022,829		$	2,031,788		$	2,074,357		$	2,023,919
Less: Average goodwill and intangible assets		(531,556		)	(531,556		)	(531,559		)	(531,564		)	(531,618		)	(561,556		)	(531,675		)
Average tangible shareholders' equity (denominator)		$	1,558,359		$	1,527,243		$	1,505,210		$	1,491,265		$	1,500,170		$	1,512,801		$	1,492,244
Return on average common shareholders' equity (tangible), annualized		10.26		%	10.07		%	10.16		%	9.11		%	9.83		%	10.17		%	10.39		%
Efficiency ratio
Non-interest expense		$	121,637		$	120,413		$	118,439		$	124,889		$	118,354		$	242,050		$	236,832
Less: Intangible amortization		—			—			(6		)	(5		)	(106		)	—			(236		)
Less: Loss on redemption of trust preferred securities		—			—			—			(5,626		)	—			—			—
Numerator		$	121,637		$	120,413		$	118,433		$	119,258		$	118,248		$	242,050		$	236,596
Net interest income (fully taxable equivalent)		$	133,890		$	134,026		$	132,683		$	130,250		$	127,445		$	267,916		$	255,531
Plus: Total Non-interest income		46,137			43,137			45,839			44,774			46,489			89,274			91,226
Less: Investment securities gains		(76		)	(947		)	(776		)	(1,730		)	(2,415		)	(1,023		)	(6,560		)
Denominator		$	179,951		$	176,216		$	177,746		$	173,294		$	171,519		$	356,167		$	340,197
Efficiency ratio		67.59		%	68.33		%	66.63		%	68.82		%	68.94		%	67.96		%	69.55		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	139,652		$	148,129		$	155,913		$	155,582		$	162,268
Tangible shareholders' equity		$	1,575,441		$	1,541,753		1,510,338			1,494,342			$	1,493,250
Plus: Allowance for credit losses		165,108			166,065			171,412			169,395			169,453
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,740,549		$	1,707,818		$	1,681,750		$	1,663,737		$	1,662,703
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		8.02		%	8.67		%	9.27		%	9.35		%	9.76		%
Pre-provision net revenue
Net interest income		$	128,916		$	129,054		$	127,799		$	125,694		$	122,920
Non-interest income		46,137			43,137			45,839			44,774			46,489
Less: Investment securities gains		(76		)	(947		)	(776		)	(1,730		)	(2,415		)
Total revenue		$	174,977		$	171,244		$	172,862		$	168,738		$	166,994
Non-interest expense		$	121,637		$	120,413		$	118,439		$	124,889		$	118,354
Less: Loss on redemption of TruPS		—			—			—			(5,626		)	—
Total non-interest expense, as adjusted		$	121,637		$	120,413		$	118,439		$	119,263		$	118,354
Pre-provision net revenue		$	53,340		$	50,831		$	54,423		$	49,475		$	48,640