Fulton Financial (FULT) 8-K/A Fulton Financial reports third quarter earnings of $41 million, or

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																	% Change from
		Sep 30			June 30			Mar 31			Dec 31			Sep 30			Jun 30		Sep 30
		2016			2016			2016			2015			2015			2016		2015
ASSETS
	Cash and due from banks	$	86,497		$	84,647		$	83,479		$	101,120		$	93,803		2.2	%	(7.8	)%
	Other interest-earning assets	428,966			408,086			408,060			292,516			579,920			5.1	%	(26.0	)%
	Loans held for sale	27,836			34,330			19,719			16,886			26,937			(18.9	)%	3.3	%
	Investment securities	2,508,068			2,529,724			2,516,205			2,484,773			2,436,337			(0.9	)%	2.9	%
	Loans, net of unearned income	14,391,238			14,155,159			13,870,701			13,838,602			13,536,361			1.7	%	6.3	%
	Allowance for loan losses	(162,526		)	(162,546		)	(163,841		)	(169,054		)	(167,136		)	—	%	(2.8	)%
	Net loans	14,228,712			13,992,613			13,706,860			13,669,548			13,369,225			1.7	%	6.4	%
	Premises and equipment	228,009			228,861			228,057			225,535			225,705			(0.4	)%	1.0	%
	Accrued interest receivable	43,600			43,316			44,379			42,767			42,846			0.7	%	1.8	%
	Goodwill and intangible assets	531,556			531,556			531,556			531,556			531,562			—	%	—	%
	Other assets	617,818			626,902			583,939			550,017			531,724			(1.4	)%	16.2	%
	Total Assets	$	18,701,062		$	18,480,035		$	18,122,254		$	17,914,718		$	17,838,059		1.2	%	4.8	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	14,952,479		$	14,292,564		$	14,404,280		$	14,132,317		$	14,084,394		4.6	%	6.2	%
	Short-term borrowings	264,042			722,214			352,883			497,663			431,631			(63.4	)%	(38.8	)%
	Other liabilities	389,819			392,708			326,128			293,302			316,697			(0.7	)%	23.1	%
	FHLB advances and long-term debt	965,286			965,552			965,654			949,542			979,433			—	%	(1.4	)%
	Total Liabilities	16,571,626			16,373,038			16,048,945			15,872,824			15,812,155			1.2	%	4.8	%
	Shareholders' equity	2,129,436			2,106,997			2,073,309			2,041,894			2,025,904			1.1	%	5.1	%
	Total Liabilities and Shareholders' Equity	$	18,701,062		$	18,480,035		$	18,122,254		$	17,914,718		$	17,838,059		1.2	%	4.8	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	5,818,915		$	5,635,347		$	5,558,108		$	5,462,330		$	5,339,928		3.3	%	9.0	%
	Commercial - industrial, financial and agricultural	4,024,119			4,099,177			4,035,333			4,088,962			3,929,908			(1.8	)%	2.4	%
	Real estate - home equity	1,640,421			1,647,319			1,659,481			1,684,439			1,693,649			(0.4	)%	(3.1	)%
	Real estate - residential mortgage	1,542,696			1,447,292			1,377,459			1,376,160			1,382,085			6.6	%	11.6	%
	Real estate - construction	861,634			853,699			810,872			799,988			769,565			0.9	%	12.0	%
	Consumer	283,673			278,071			263,221			268,588			271,696			2.0	%	4.4	%
	Leasing and other	219,780			194,254			166,227			158,135			149,530			13.1	%	47.0	%
	Total Loans, net of unearned income	$	14,391,238		$	14,155,159		$	13,870,701		$	13,838,602		$	13,536,361		1.7	%	6.3	%
Deposits, by type:
	Noninterest-bearing demand	$	4,210,099		$	4,125,375		$	4,134,861		$	3,948,114		$	3,906,228		2.1	%	7.8	%
	Interest-bearing demand	3,703,048			3,358,536			3,430,206			3,451,207			3,362,336			10.3	%	10.1	%
	Savings deposits	4,235,015			3,986,008			3,972,199			3,868,046			3,880,103			6.2	%	9.1	%
	Time deposits	2,804,317			2,822,645			2,867,014			2,864,950			2,935,727			(0.6	)%	(4.5	)%
	Total Deposits	$	14,952,479		$	14,292,564		$	14,404,280		$	14,132,317		$	14,084,394		4.6	%	6.2	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	189,727		$	168,521		$	162,431		$	111,496		$	145,225		12.6	%	30.6	%
	Customer short-term promissory notes	65,871			69,509			76,807			78,932			80,879			(5.2	)%	(18.6	)%
	Short-term FHLB advances	—			35,000			81,000			110,000			200,000			(100.0	)%	(100.0	)%
	Federal funds purchased	8,444			449,184			32,645			197,235			5,527			(98.1	)%	52.8	%
	Total Short-term Borrowings	$	264,042		$	722,214		$	352,883		$	497,663		$	431,631		(63.4	)%	(38.8	)%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
in thousands, except per-share data and percentages
		Three Months Ended															% Change from				Nine Months Ended
		Sep 30			Jun 30			Mar 31			Dec 31			Sep 30			Jun 30		Sep 30		Sep 30
		2016			2016			2016			2015			2015			2016		2015		2016			2015			% Change
Interest Income:
	Interest income	$	151,468		$	149,309		$	149,311		$	147,560		$	146,228		1.4	%	3.6	%	$	450,088		$	436,229		3.2	%
	Interest expense	20,903			20,393			20,257			19,761			20,534			2.5	%	1.8	%	61,553			64,034			(3.9	)%
	Net Interest Income	130,565			128,916			129,054			127,799			125,694			1.3	%	3.9	%	388,535			372,195			4.4	%
	Provision for credit losses	4,141			2,511			1,530			2,750			1,000			64.9	%	N/M		8,182			(500		)	N/M
	Net Interest Income after Provision	126,424			126,405			127,524			125,049			124,694			—	%	1.4	%	380,353			372,695			2.1	%
Non-Interest Income:
	Other service charges and fees	14,407			12,983			10,750			12,676			10,965			11.0	%	31.4	%	38,140			31,316			21.8	%
	Service charges on deposit accounts	13,078			12,896			12,558			12,909			12,982			1.4	%	0.7	%	38,532			37,188			3.6	%
	Investment management and trust services	11,425			11,247			10,988			10,919			11,237			1.6	%	1.7	%	33,660			33,137			1.6	%
	Mortgage banking income	4,529			3,897			4,030			4,317			3,864			16.2	%	17.2	%	12,456			13,891			(10.3	)%
	Other	4,708			5,038			3,864			4,242			3,996			(6.6	)%	17.8	%	13,610			12,178			11.8	%
	Non-Interest Income before Investment Securities Gains	48,147			46,061			42,190			45,063			43,044			4.5	%	11.9	%	136,398			127,710			6.8	%
	Investment securities gains	2			76			947			776			1,730			(97.4	)%	(99.9	)%	1,025			8,290			(87.6	)%
	Total Non-Interest Income	48,149			46,137			43,137			45,839			44,774			4.4	%	7.5	%	137,423			136,000			1.0	%
Non-Interest Expense:
	Salaries and employee benefits	70,696			70,029			69,372			65,467			65,308			1.0	%	8.3	%	210,097			195,365			7.5	%
	Net occupancy expense	11,782			11,811			12,220			11,566			10,710			(0.2	)%	10.0	%	35,813			36,211			(1.1	)%
	Other outside services	5,783			5,508			6,056			6,537			7,373			5.0	%	(21.6	)%	17,347			21,248			(18.4	)%
	Data processing	4,610			5,476			5,400			5,127			5,105			(15.8	)%	(9.7	)%	15,486			14,767			4.9	%
	Software	4,117			3,953			3,921			4,068			3,984			4.1	%	3.3	%	11,991			10,678			12.3	%
	Equipment expense	3,137			2,872			3,371			3,626			3,595			9.2	%	(12.7	)%	9,380			10,888			(13.9	)%
	Professional fees	2,535			3,353			2,333			2,814			2,828			(24.4	)%	(10.4	)%	8,221			8,430			(2.5	)%
	FDIC insurance expense	1,791			2,960			2,949			2,896			2,867			(39.5	)%	(37.5	)%	7,700			8,574			(10.2	)%
	Marketing	1,774			1,916			1,624			1,754			2,102			(7.4	)%	(15.6	)%	5,314			5,570			(4.6	)%
	Other real estate owned and repossession expense	742			365			638			1,123			1,016			103.3	%	(27.0	)%	1,745			2,507			(30.4	)%
	Operating risk loss	556			986			540			987			1,136			(43.6	)%	(51.1	)%	2,082			2,637			(21.0	)%
	Intangible amortization	—			—			—			6			5			—	%	N/M		—			241			N/M
	Loss on redemption of trust preferred securities	—			—			—			—			5,626			—	%	N/M		—			5,626			N/M
	Other	12,325			12,408			11,989			12,468			13,234			(0.7	)%	(6.9	)%	36,722			38,979			(5.8	)%
	Total Non-Interest Expense	119,848			121,637			120,413			118,439			124,889			(1.5	)%	(4.0	)%	361,898			361,721			—	%
	Income Before Income Taxes	54,725			50,905			50,248			52,449			44,579			7.5	%	22.8	%	155,878			146,974			6.1	%
	Income tax expense	13,257			11,155			11,991			13,914			10,328			18.8	%	28.4	%	36,403			36,007			1.1	%
	Net Income	$	41,468		$	39,750		$	38,257		$	38,535		$	34,251		4.3	%	21.1	%	$	119,475		$	110,967		7.7	%
PER SHARE:
	Net income:
	Basic	$	0.24		$	0.23		$	0.22		$	0.22		$	0.20		4.3	%	20.0	%	$	0.69		$	0.63		9.5	%
	Diluted	0.24			0.23			0.22			0.22			0.20			4.3	%	20.0	%	0.69			0.63			9.5	%
	Cash dividends	$	0.10		$	0.10		$	0.09		$	0.11		$	0.09		—	%	11.1	%	$	0.29		$	0.27		7.4	%
	Shareholders' equity	12.30			12.17			11.96			11.72			11.66			1.1	%	5.5	%	12.30			11.66			5.5	%
	Shareholders' equity (tangible)	9.23			9.10			8.89			8.67			8.60			1.4	%	7.3	%	9.23			8.60			7.3	%
	Weighted average shares (basic)	173,020			173,394			173,331			173,709			174,338			(0.2	)%	(0.8	)%	173,248			176,399			(1.8	)%
	Weighted average shares (diluted)	174,064			174,318			174,416			174,833			175,342			(0.1	)%	(0.7	)%	174,265			177,428			(1.8	)%
	Shares outstanding, end of period	173,144			173,139			173,393			174,176			173,771			—	%	(0.4	)%	173,144			173,771			(0.4	)%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.89		%	0.88		%	0.86		%	0.86		%	0.78		%					0.87		%	0.86		%
	Return on average shareholders' equity	7.78		%	7.65		%	7.47		%	7.51		%	6.72		%					7.64		%	7.33		%
	Return on average shareholders' equity (tangible)	10.38		%	10.26		%	10.07		%	10.16		%	9.11		%					10.24		%	9.96		%
	Net interest margin	3.14		%	3.20		%	3.23		%	3.19		%	3.18		%					3.19		%	3.22		%
	Efficiency ratio	65.16		%	67.59		%	68.33		%	66.63		%	68.82		%					67.01		%	69.30		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		September 30, 2016								June 30, 2016								September 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	$	14,212,250		$	140,434		3.93%		$	13,966,024		$	138,317		3.98%		$	13,369,874		$	135,268		4.02%
	Taxable investment securities	2,110,084			10,872			2.06%		2,127,780			11,159			2.10%		2,148,403			11,252			2.09%
	Tax-exempt investment securities	344,231			3,923			4.56%		314,851			3,570			4.54%		230,178			2,929			5.09%
	Equity securities	14,209			196			5.50%		14,220			185			5.23%		18,280			257			5.58%
	Total Investment Securities	2,468,524			14,991			2.43%		2,456,851			14,914			2.43%		2,396,861			14,438			2.41%
	Loans held for sale	22,593			210			3.72%		19,449			188			3.87%		20,704			194			3.74%
	Other interest-earning assets	501,666			1,051			0.84%		357,211			864			0.96%		477,145			884			0.74%
	Total Interest-earning Assets	17,205,033			156,686			3.63%		16,799,535			154,283			3.69%		16,264,584			150,784			3.68%
Noninterest-earning assets:
	Cash and due from banks	101,927								100,860								104,622
	Premises and equipment	227,906								227,517								226,446
	Other assets	1,219,844								1,189,226								1,097,600
	Less: allowance for loan losses	(163,074		)						(164,573		)						(168,770		)
	Total Assets	$	18,591,636							$	18,152,565							$	17,524,482
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,602,448		$	1,706		0.19%		$	3,454,031		$	1,527		0.18%		$	3,316,532		$	1,122		0.13%
	Savings deposits	4,078,942			2,042			0.20%		3,989,988			1,886			0.19%		3,714,282			1,436			0.15%
	Time deposits	2,814,258			7,562			1.07%		2,844,434			7,474			1.06%		2,963,774			7,659			1.03%
	Total Interest-bearing Deposits	10,495,648			11,310			0.43%		10,288,453			10,887			0.43%		9,994,588			10,217			0.41%
	Short-term borrowings	426,369			254			0.23%		403,669			217			0.21%		324,685			92			0.11%
	FHLB advances and long-term debt	965,228			9,338			3.86%		965,526			9,289			3.86%		996,247			10,225			4.09%
	Total Interest-bearing Liabilities	11,887,245			20,902			0.70%		11,657,648			20,393			0.70%		11,315,520			20,534			0.72%
Noninterest-bearing liabilities:
	Demand deposits	4,227,639								4,077,642								3,904,176
	Other	356,156								327,360								281,957
	Total Liabilities	16,471,040								16,062,650								15,501,653
	Shareholders' equity	2,120,596								2,089,915								2,022,829
	Total Liabilities and Shareholders' Equity	$	18,591,636							$	18,152,565							$	17,524,482
	Net interest income/net interest margin (fully taxable equivalent)				135,784			3.14%					133,890			3.20%					130,250			3.18%
	Tax equivalent adjustment				(5,219		)						(4,974		)						(4,556		)
	Net interest income				$	130,565							$	128,916							$	125,694
	(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
		Sep 30			Jun 30			Mar 31		Dec 31			Sep 30			Jun 30		Sep 30
		2016			2016			2016		2015			2015			2016		2015
Loans, by type:
	Real estate - commercial mortgage	$	5,670,888		$	5,557,680		$	5,487,421	$	5,365,640		$	5,242,021		2.0	%	8.2		%
	Commercial - industrial, financial and agricultural	4,066,275			4,080,524			4,095,268		4,035,287			3,887,161			(0.3	)%	4.6		%
	Real estate - home equity	1,640,913			1,656,140			1,674,032		1,694,455			1,692,860			(0.9	)%	(3.1		)%
	Real estate - residential mortgage	1,503,209			1,399,851			1,381,409		1,377,116			1,381,141			7.4	%	8.8		%
	Real estate - construction	837,920			820,881			792,014		765,555			753,584			2.1	%	11.2		%
	Consumer	281,517			272,293			263,295		267,726			270,391			3.4	%	4.1		%
	Leasing and other	211,528			178,655			159,981		153,487			142,716			18.4	%	48.2		%
	Total Loans, net of unearned income	$	14,212,250		$	13,966,024		$	13,853,420	$	13,659,266		$	13,369,874		1.8	%	6.3		%
Deposits, by type:
	Noninterest-bearing demand	$	4,227,639		$	4,077,642		$	3,967,887	$	3,999,118		$	3,904,176		3.7	%	8.3		%
	Interest-bearing demand	3,602,448			3,454,031			3,438,355		3,411,904			3,316,532			4.3	%	8.6		%
	Savings deposits	4,078,942			3,989,988			3,932,824		3,903,741			3,714,282			2.2	%	9.8		%
	Time deposits	2,814,258			2,844,434			2,867,651		2,903,715			2,963,774			(1.1	)%	(5.0		)%
	Total Deposits	$	14,723,287		$	14,366,095		$	14,206,717	$	14,218,478		$	13,898,764		2.5	%	5.9		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	187,588		$	180,595		$	171,408	$	142,004		$	149,415		3.9	%	25.5		%
	Customer short-term promissory notes	70,072			77,535			74,013		80,568			79,308			(9.6	)%	(11.6		)%
	Federal funds purchased	148,546			138,012			183,970		44,468			85,092			7.6	%	74.6		%
	Short-term FHLB advances and other borrowings	20,163			7,527			16,011		14,457			10,870			167.9	%	85.5		%
	Total Short-term Borrowings	$	426,369		$	403,669		$	445,402	$	281,497		$	324,685		5.6	%	31.3		%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Nine Months Ended September 30
		2016								2015
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	14,011,301,000		$	416,646,000		3.97	%	$	13,220,339,000		$	401,662,000		4.06	%
	Taxable investment securities	2,139,378,000			34,034,000			2.12	%	2,068,025,000			33,478,000			2.16	%
	Tax-exempt investment securities	306,298,000			10,631,000			4.63	%	225,209,000			9,035,000			5.35	%
	Equity securities	14,272,000			599,000			5.60	%	25,985,000			1,086,000			5.59	%
	Total Investment Securities	2,459,948,000			45,264,000			2.45	%	2,319,219,000			43,599,000			2.51	%
	Loans held for sale	18,114,000			529,000			3.90	%	21,360,000			632,000			3.94	%
	Other interest-earning assets	406,163,000			2,813,000			0.92	%	463,545,000			3,922,000			1.13	%
	Total Interest-earning Assets	16,895,526,000			465,252,000			3.68	%	16,024,463,000			449,815,000			3.75	%
Noninterest-earning assets:
	Cash and due from banks	100,417,000								104,870,000
	Premises and equipment	227,237,000								226,469,000
	Other assets	1,182,260,000								1,101,856,000
	Less: allowance for loan losses	(164,999,000		)						(176,205,000		)
	Total Assets	$	18,240,441,000							$	17,281,453,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,498,659,000		$	4,727,000		0.18	%	$	3,202,380,000		$	3,092,000		0.13	%
	Savings deposits	4,000,871,000			5,732,000			0.19	%	3,600,695,000			3,802,000			0.14	%
	Time deposits	2,842,011,000			22,465,000			1.06	%	3,017,271,000			23,199,000			1.03	%
	Total Interest-bearing Deposits	10,341,541,000			32,924,000			0.43	%	9,820,346,000			30,093,000			0.41	%
	Short-term borrowings	425,151,000			739,000			0.23	%	338,019,000			272,000			0.11	%
	FHLB advances and long-term debt	962,997,000			27,889,000			3.86	%	1,048,634,000			33,669,000			4.29	%
	Total Interest-bearing Liabilities	11,729,689,000			61,552,000			0.70	%	11,206,999,000			64,034,000			0.76	%
Noninterest-bearing liabilities:
	Demand deposits	4,091,555,000								3,767,919,000
	Other	329,315,000								282,983,000
	Total Liabilities	16,150,559,000								15,257,901,000
	Shareholders' equity	2,089,882,000								2,023,552,000
	Total Liabilities and Shareholders' Equity	$	18,240,441,000							$	17,281,453,000
	Net interest income/net interest margin (fully taxable equivalent)				403,700,000			3.19	%				385,781,000			3.22	%
	Tax equivalent adjustment				(15,165,000		)						(13,586,000		)
	Net interest income				$	388,535,000							$	372,195,000
(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:
		Nine Months Ended
		September 30
		2,016			2,015			% Change
Loans, by type:
	Real estate - commercial mortgage	$	5,572,356,000		$	5,205,755,000		7.0	%
	Commercial - industrial, financial and agricultural	4,080,638,000			3,831,678,000			6.5	%
	Real estate - home equity	1,656,969,000			1,703,006,000			(2.7	)%
	Real estate - residential mortgage	1,428,430,000			1,369,367,000			4.3	%
	Real estate - construction	817,014,000			713,893,000			14.4	%
	Consumer	272,402,000			265,002,000			2.8	%
	Leasing and other	183,492,000			131,638,000			39.4	%
	Total Loans, net of unearned income	$	14,011,301,000		$	13,220,339,000		6.0	%
Deposits, by type:
	Noninterest-bearing demand	$	4,091,555,000		$	3,767,919,000		8.6	%
	Interest-bearing demand	3,498,659,000			3,202,380,000			9.3	%
	Savings deposits	4,000,871,000			3,600,695,000			11.1	%
	Time deposits	2,842,011,000			3,017,271,000			(5.8	)%
	Total Deposits	$	14,433,096,000		$	13,588,265,000		6.2	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	179,892,000		$	167,526,000		7.4	%
	Customer short-term promissory notes	73,859,000			81,854,000			(9.8	)%
	Federal funds purchased	156,812,000			72,961,000			114.9	%
	Short-term FHLB advances and other borrowings	14,588,000			15,678,000			(7.0	)%
	Total Short-term Borrowings	$	425,151,000		$	338,019,000		25.8	%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended															Nine Months Ended
		Sep 30			Jun 30			Mar 31			Dec 31			Sep 30			Sep 30			Sep 30
		2016			2016			2016			2015			2015			2016			2015
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	169,395		$	166,065		$	171,412		$	169,395		$	169,453		$	171,412		$	185,931
	Loans charged off:
	Commercial - industrial, financial and agricultural	(3,144		)	(4,625		)	(6,188		)	(970		)	(1,640		)	(13,957		)	(14,669		)
	Consumer and home equity	(1,394		)	(1,614		)	(2,548		)	(1,466		)	(1,590		)	(5,556		)	(4,365		)
	Real estate - commercial mortgage	(1,350		)	(1,474		)	(582		)	(1,207		)	(660		)	(3,406		)	(3,011		)
	Real estate - residential mortgage	(802		)	(340		)	(1,068		)	(513		)	(1,035		)	(2,210		)	(3,099		)
	Real estate - construction	(150		)	(742		)	(326		)	—			(114		)	(1,218		)	(201		)
	Leasing and other	(832		)	(1,951		)	(443		)	(1,304		)	(522		)	(3,226		)	(1,352		)
	Total loans charged off	(7,672		)	(10,746		)	(11,155		)	(5,460		)	(5,561		)	(29,573		)	(26,697		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	1,539			2,931			2,319			1,409			1,598			6,789			3,855
	Consumer and home equity	463			889			534			825			618			1,886			1,667
	Real estate - commercial mortgage	296			1,367			825			1,072			842			2,488			1,729
	Real estate - residential mortgage	228			420			136			775			201			784			547
	Real estate - construction	898			1,563			383			548			898			2,844			2,276
	Leasing and other	168			108			81			98			346			357			587
	Recoveries of loans previously charged off	3,592			7,278			4,278			4,727			4,503			15,148			10,661
Net loans charged off		(4,080		)	(3,468		)	(6,877		)	(733		)	(1,058		)	(14,425		)	(16,036		)
Provision for credit losses		4,141			2,511			1,530			2,750			1,000			8,182			(500		)
Balance at end of period		$	165,169		$	165,108		$	166,065		$	171,412		$	169,395		$	165,169		$	169,395
Net charge-offs to average loans (annualized)		0.11		%	0.10		%	0.20		%	0.02		%	0.03		%	0.14		%	0.16		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	124,017		$	111,742		$	122,170		$	129,523		$	132,154
	Loans 90 days past due and accruing	14,095			15,992			15,013			15,291			12,867
	Total non-performing loans	138,112			127,734			137,183			144,814			145,021
	Other real estate owned	11,981			11,918			10,946			11,099			10,561
	Total non-performing assets	$	150,093		$	139,652		$	148,129		$	155,913		$	155,582
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	47,330		$	38,902		$	39,140		$	44,071		$	38,032
	Real estate - commercial mortgage	39,631			35,704			43,132			41,170			49,021
	Real estate - residential mortgage	23,451			25,030			25,182			28,484			27,707
	Consumer and home equity	16,426			16,061			16,210			17,123			15,186
	Real estate - construction	11,223			11,879			12,005			12,460			14,989
	Leasing	51			158			1,514			1,506			86
	Total non-performing loans	$	138,112		$	127,734		$	137,183		$	144,814		$	145,021
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	26,854		$	27,324		$	27,565		$	28,511		$	29,330
	Real-estate - commercial mortgage	16,085			17,808			17,427			17,563			17,282
	Consumer and home equity	7,707			7,191			6,562			4,589			3,983
	Commercial - industrial, financial and agricultural	7,488			5,756			5,650			5,953			7,399
	Real estate - construction	843			3,086			3,092			3,942			4,363
	Total accruing TDRs	$	58,977		$	61,165		$	60,296		$	60,558		$	62,357
	Non-accrual TDRs (1)	27,904			24,887			27,277			31,035			27,618
	Total TDRs	$	86,881		$	86,052		$	87,573		$	91,593		$	89,975
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:		Total Delinquency %
		Sep 30		Jun 30		Mar 31		Dec 31		Sep 30
		2016		2016		2016		2015		2015
	Real estate - commercial mortgage	0.87	%	0.81	%	0.93	%	0.91	%	1.08	%
	Commercial - industrial, financial and agricultural	1.48	%	1.25	%	1.46	%	1.27	%	1.32	%
	Real estate - construction	1.61	%	1.93	%	2.00	%	1.87	%	2.25	%
	Real estate - residential mortgage	2.67	%	2.70	%	3.10	%	3.40	%	3.27	%
	Consumer, home equity, leasing and other	1.53	%	1.47	%	1.48	%	1.58	%	1.41	%
	Total	1.38	%	1.30	%	1.44	%	1.41	%	1.49	%
ASSET QUALITY RATIOS:
		Sep 30		Jun 30		Mar 31		Dec 31		Sep 30
		2016		2016		2016		2015		2015
	Non-accrual loans to total loans	0.86	%	0.79	%	0.88	%	0.94	%	0.98	%
	Non-performing loans to total loans	0.96	%	0.90	%	0.99	%	1.05	%	1.07	%
	Non-performing assets to total loans and OREO	1.04	%	0.99	%	1.07	%	1.13	%	1.15	%
	Non-performing assets to total assets	0.80	%	0.76	%	0.82	%	0.87	%	0.87	%
	Allowance for credit losses to loans outstanding	1.15	%	1.17	%	1.20	%	1.24	%	1.25	%
	Allowance for credit losses to non-performing loans	119.59	%	129.26	%	121.05	%	118.37	%	116.81	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	8.51	%	8.02	%	8.67	%	9.27	%	9.35	%

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															Nine Months Ended
		Sep 30			Jun 30			Mar 31			Dec 31			Sep 30			Sep 30			Sep 30
		2016			2016			2016			2015			2015			2016			2015
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,129,436		$	2,106,997		$	2,073,309		$	2,041,894		$	2,025,904
Less: Goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,562		)
Tangible shareholders' equity (numerator)		$	1,597,880		$	1,575,441		$	1,541,753		$	1,510,338		$	1,494,342
Shares outstanding, end of period (denominator)		173,144			173,139			173,393			174,176			173,771
Shareholders' equity (tangible), per share		$	9.23		$	9.10		$	8.89		$	8.67		$	8.60
Return on average common shareholders' equity (tangible)
Net income		$	41,468		$	39,750		$	38,257		$	38,535		$	34,251		$	119,475		$	110,967
Plus: Intangible amortization, net of tax		—			—			—			4			3			—			153
Numerator		$	41,468		$	39,750		$	38,257		$	38,539		$	34,254		$	119,475		$	111,120
Average shareholders' equity		$	2,120,596		$	2,089,915		$	2,058,799		$	2,036,769		$	2,022,829		$	2,089,882		$	2,023,552
Less: Average goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,559		)	(531,564		)	(531,556		)	(531,638		)
Average tangible shareholders' equity (denominator)		$	1,589,040		$	1,558,359		$	1,527,243		$	1,505,210		$	1,491,265		$	1,558,326		$	1,491,914
Return on average common shareholders' equity (tangible), annualized		10.38		%	10.26		%	10.07		%	10.16		%	9.11		%	10.24		%	9.96		%
Efficiency ratio
Non-interest expense		$	119,848		$	121,637		$	120,413		$	118,439		$	124,889		$	361,898		$	361,721
Less: Intangible amortization		—			—			—			(6		)	(5		)	—			(241		)
Less: Loss on redemption of trust preferred securities		—			—			—			—			(5,626		)	—			(5,626		)
Numerator		$	119,848		$	121,637		$	120,413		$	118,433		$	119,258		$	361,898		$	355,854
Net interest income (fully taxable equivalent)		$	135,784		$	133,890		$	134,026		$	132,683		$	130,250		$	403,700		$	385,781
Plus: Total Non-interest income		48,149			46,137			43,137			45,839			44,774			137,423			136,000
Less: Investment securities gains		(2		)	(76		)	(947		)	(776		)	(1,730		)	(1,025		)	(8,290		)
Denominator		$	183,931		$	179,951		$	176,216		$	177,746		$	173,294		$	540,098		$	513,491
Efficiency ratio		65.16		%	67.59		%	68.33		%	66.63		%	68.82		%	67.01		%	69.30		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	150,093		$	139,652		$	148,129		$	155,913		$	155,582
Tangible shareholders' equity		$	1,597,880		$	1,575,441		1,541,753			1,510,338			$	1,494,342
Plus: Allowance for credit losses		165,169			165,108			166,065			171,412			169,395
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,763,049		$	1,740,549		$	1,707,818		$	1,681,750		$	1,663,737
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		8.51		%	8.02		%	8.67		%	9.27		%	9.35		%
Pre-provision net revenue
Net interest income		$	130,565		$	128,916		$	129,054		$	127,799		$	125,694
Non-interest income		48,149			46,137			43,137			45,839			44,774
Less: Investment securities gains		(2		)	(76		)	(947		)	(776		)	(1,730		)
Total revenue		$	178,712		$	174,977		$	171,244		$	172,862		$	168,738
Non-interest expense		$	119,848		$	121,637		$	120,413		$	118,439		$	124,889
Less: Loss on redemption of TruPS		—			—			—			—			(5,626		)
Total non-interest expense, as adjusted		$	119,848		$	121,637		$	120,413		$	118,439		$	119,263
Pre-provision net revenue		$	58,864		$	53,340		$	50,831		$	54,423		$	49,475