Fulton Financial (FULT) 8-K Fulton Financial reports third quarter earnings

EXHIBIT 99.2

FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)
dollars in thousands, except per-share data

	September 30
BALANCE SHEET DATA	2008		2007		% Change
Total assets	$	16,136,145	$	15,438,177		4.5	%
Loans, net of unearned income		11,823,529		10,988,307		7.6	%
Investment securities		2,806,535		2,948,262		(4.8	%)
Deposits		9,916,555		10,291,186		(3.6	%)
Shareholders’ equity		1,603,910		1,554,120		3.2	%

	Quarter Ended September 30									Nine Months Ended September 30
INCOME SUMMARY	2008			2007			% Change			2008			2007			% Change
Interest income	$	213,809		$	238,740			(10.4	%)	$	658,421		$	699,508			(5.9	%)
Interest expense		(79,791	)		(116,330	)		(31.4	%)		(266,614	)		(334,415	)		(20.3	%)
Net interest income		134,018			122,410			9.5	%		391,807			365,093			7.3	%
Provision for loan losses		(26,700	)		(4,606	)		479.7	%		(54,626	)		(8,263	)		561.1	%
Investment securities (losses) gains		(9,501	)		(134	)		N/M			(29,902	)		2,277			N/M
Gain on sale of credit card portfolio		—			—			N/A			13,910			—			N/A
Other income		40,116			36,877			8.8	%		116,437			110,536			5.3	%
Other expenses		(99,155	)		(107,996	)		(8.2	%)		(305,551	)		(307,008	)		(0.5	%)
Income before income taxes		38,778			46,551			(16.7	%)		132,075			162,635			(18.8	%)
Income taxes		(9,702	)		(12,985	)		(25.3	%)		(35,825	)		(48,096	)		(25.5	%)
Net income	$	29,076		$	33,566			(13.4	%)	$	96,250		$	114,539			(16.0	%)
PER-SHARE DATA:
Net income:
Basic	$	0.17		$	0.19			(10.5	%)	$	0.55		$	0.66			(16.7	%)
Diluted		0.17			0.19			(10.5	%)		0.55			0.66			(16.7	%)
Cash dividends		0.15			0.15			—			0.450			0.448			0.4	%
Shareholders’ equity		9.18			8.96			2.5	%
Shareholders’ equity (tangible)		5.46			5.17			5.6	%
SELECTED FINANCIAL RATIOS:
Return on average assets		0.73	%		0.88	%					0.81	%		1.03	%
Return on average shareholders’ equity		7.25	%		8.67	%					8.02	%		10.07	%
Return on average shareholders’ equity (tangible)		12.72	%		15.76	%					14.00	%		18.42	%
Net interest margin		3.74	%		3.62	%					3.69	%		3.69	%
Efficiency ratio		54.69	%		65.17	%					56.21	%		61.97	%
Non-performing assets to total assets		1.15	%		0.69	%

N/M — Not meaningful

N/A — Not applicable

1

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands

										% Change from
	September 30			September 30			June 30			September 30			June 30
	2008			2007			2008			2007			2008
ASSETS
Cash and due from banks	$	315,841		$	337,306		$	420,273			(6.4	%)		(24.8	%)
Loans held for sale		71,090			116,451			116,351			(39.0	%)		(38.9	%)
Other interest-earning assets		50,189			19,673			10,234			155.1	%		390.4	%
Investment securities		2,806,535			2,948,262			2,706,949			(4.8	%)		3.7	%
Loans, net of unearned income		11,823,529			10,988,307			11,577,495			7.6	%		2.1	%
Allowance for loan losses		(136,988	)		(109,435	)		(122,340	)		25.2	%		12.0	%
Net Loans		11,686,541			10,878,872			11,455,155			7.4	%		2.0	%
Premises and equipment		199,464			190,092			196,934			4.9	%		1.3	%
Accrued interest receivable		62,018			73,927			61,366			(16.1	%)		1.1	%
Goodwill and intangible assets		649,635			658,274			651,324			(1.3	%)		(0.3	%)
Other assets		294,832			215,320			439,539			36.9	%		(32.9	%)
Total Assets	$	16,136,145		$	15,438,177		$	16,058,125			4.5	%		0.5	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	9,916,555		$	10,291,186		$	9,938,194			(3.6	%)		(0.2	%)
Short-term borrowings		2,589,966			1,773,083			2,497,387			46.1	%		3.7	%
Federal Home Loan Bank advances and long-term debt		1,819,889			1,632,980			1,819,428			11.4	%		—
Other liabilities		205,825			186,808			209,638			10.2	%		(1.8	%)
Total Liabilities		14,532,235			13,884,057			14,464,647			4.7	%		0.5	%
Shareholders’ equity		1,603,910			1,554,120			1,593,478			3.2	%		0.7	%
Total Liabilities and Shareholders’ Equity	$	16,136,145		$	15,438,177		$	16,058,125			4.5	%		0.5	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
Real estate — commercial mortgage	$	3,897,703		$	3,407,715		$	3,792,326			14.4	%		2.8	%
Commercial — industrial, financial and agricultural		3,554,615			3,328,963			3,518,483			6.8	%		1.0	%
Real estate — home equity		1,647,245			1,472,376			1,593,775			11.9	%		3.4	%
Real estate — residential mortgage		979,486			809,148			929,252			21.1	%		5.4	%
Real estate — construction		1,277,552			1,389,164			1,296,400			(8.0	%)		(1.5	%)
Consumer		387,849			500,021			362,555			(22.4	%)		7.0	%
Leasing and other		79,079			80,920			84,704			(2.3	%)		(6.6	%)
Total Loans, net of unearned income	$	11,823,529		$	10,988,307		$	11,577,495			7.6	%		2.1	%
Deposits, by type:
Noninterest-bearing demand	$	1,690,499		$	1,696,871		$	1,789,150			(0.4	%)		(5.5	%)
Interest-bearing demand		1,690,330			1,738,605			1,671,769			(2.8	%)		1.1	%
Savings deposits		2,166,998			2,195,363			2,207,617			(1.3	%)		(1.8	%)
Time deposits		4,368,728			4,660,347			4,269,658			(6.3	%)		2.3	%
Total Deposits	$	9,916,555		$	10,291,186		$	9,938,194			(3.6	%)		(0.2	%)
Short-term borrowings, by type:
Federal funds purchased	$	1,326,873		$	842,476		$	1,531,568			57.5	%		(13.4	%)
Short-term promissory notes		460,512			476,249			480,489			(3.3	%)		(4.2	%)
Customer repurchase agreements		222,415			248,915			219,716			(10.6	%)		1.2	%
Overnight borrowings and other		580,166			205,443			265,614			182.4	%		118.4	%
Total Short-term borrowings	$	2,589,966		$	1,773,083		$	2,497,387			46.1	%		3.7	%

2

FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)
dollars in thousands, except per-share data

	Quarter Ended									% Change from						Nine Months Ended
	September 30			September 30			June 30			September 30			June 30			September 30
	2008			2007			2008			2007			2008			2008			2007			% Change
Interest Income:
Interest Income	$	213,809		$	238,740		$	215,392			(10.4	%)		(0.7	%)	$	658,421		$	699,508			(5.9	%)
Interest Expense		79,791			116,330			83,502			(31.4	%)		(4.4	%)		266,614			334,415			(20.3	%)
Net Interest Income		134,018			122,410			131,890			9.5	%		1.6	%		391,807			365,093			7.3	%
Provision for Loan Losses		26,700			4,606			16,706			479.7	%		59.8	%		54,626			8,263			561.1	%
Net Interest Income after Provision		107,318			117,804			115,184			(8.9	%)		(6.8	%)		337,181			356,830			(5.5	%)
Other Income:
Service charges on deposit accounts		16,177			11,293			15,319			43.2	%		5.6	%		45,463			33,145			37.2	%
Other service charges and fees		9,598			8,530			9,131			12.5	%		5.1	%		27,320			23,746			15.1	%
Investment management and trust services		8,045			9,291			8,389			(13.4	%)		(4.1	%)		25,193			29,374			(14.2	%)
Gains on sale of mortgage loans		2,266			2,532			2,670			(10.5	%)		(15.1	%)		7,247			12,113			(40.2	%)
Investment securities (losses) gains		(9,501	)		(134	)		(21,647	)		N/M			56.1	%		(29,902	)		2,277			N/M
Gain on sale of credit card portfolio		—			—			13,910			N/A			N/A			13,910			—			N/A
Other		4,030			5,231			4,378			(23.0	%)		(7.9	%)		11,214			12,158			(7.8	%)
Total Other Income		30,615			36,743			32,150			(16.7	%)		(4.8	%)		100,445			112,813			(11.0	%)
Other Expenses:
Salaries and employee benefits		55,310			52,505			54,281			5.3	%		1.9	%		164,786			164,353			0.3	%
Net occupancy expense		10,237			9,813			10,238			4.3	%		—			30,999			29,963			3.5	%
Operating risk loss		3,480			16,345			14,385			(78.7	%)		(75.8	%)		19,108			26,462			(27.8	%)
Data processing		3,242			3,131			3,116			3.5	%		4.0	%		9,604			9,550			0.6	%
Advertising		3,097			2,470			3,519			25.4	%		(12.0	%)		9,521			7,869			21.0	%
Equipment expense		3,061			3,438			3,398			(11.0	%)		(9.9	%)		9,907			10,589			(6.4	%)
Intangible amortization		1,730			1,995			1,799			(13.3	%)		(3.8	%)		5,386			6,176			(12.8	%)
Other		18,998			18,299			19,000			3.8	%		—			56,240			52,046			8.1	%
Total Other Expenses		99,155			107,996			109,736			(8.2	%)		(9.6	%)		305,551			307,008			(0.5	%)
Income Before Income Taxes		38,778			46,551			37,598			(16.7	%)		3.1	%		132,075			162,635			(18.8	%)
Income Taxes		9,702			12,985			11,920			(25.3	%)		(18.6	%)		35,825			48,096			(25.5	%)
Net Income	$	29,076		$	33,566		$	25,678			(13.4	%)		13.2	%	$	96,250		$	114,539			(16.0	%)
SHARE AND PER-SHARE INFORMATION:
Net income:
Basic	$	0.17		$	0.19		$	0.15			(10.5	%)		13.3	%	$	0.55		$	0.66			(16.7	%)
Diluted		0.17			0.19			0.15			(10.5	%)		13.3	%		0.55			0.66			(16.7	%)
Cash dividends	$	0.15		$	0.15		$	0.15			—			—		$	0.450		$	0.448			0.4	%
Shareholders’ equity		9.18			8.96			9.15			2.5	%		0.3	%
Shareholders’ equity (tangible)		5.46			5.17			5.41			5.6	%		0.9	%
Weighted average shares (basic)		174,463			173,304			173,959			0.7	%		0.3	%		174,017			173,254			0.4	%
Weighted average shares (diluted)		174,912			174,370			174,528			0.3	%		0.2	%		174,551			174,493			—
Shares outstanding, end of period		174,687			173,394			174,107			0.7	%		0.3	%
SELECTED FINANCIAL RATIOS:
Return on average assets		0.73	%		0.88	%		0.65	%								0.81	%		1.03	%
Return on average shareholders’ equity		7.25	%		8.67	%		6.33	%								8.02	%		10.07	%
Return on average shareholders’ equity (tangible)		12.72	%		15.76	%		11.03	%								14.00	%		18.42	%
Net interest margin		3.74	%		3.62	%		3.75	%								3.69	%		3.69	%
Efficiency ratio		54.69	%		65.17	%		56.93	%								56.21	%		61.97	%

N/M — Not meaningful

N/A — Not applicable

3

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands

	Quarter Ended
	September 30, 2008									September 30, 2007									June 30, 2008
	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	$	11,696,841		$	181,562			6.18	%	$	10,857,636		$	205,747			7.52	%	$	11,423,409		$	180,433			6.35	%
Taxable investment securities		2,117,207			26,025			4.70	%		2,116,123			24,583			4.65	%		2,304,391			28,528			4.90	%
Tax-exempt investment securities		509,994			6,944			5.45	%		499,389			6,377			5.11	%		509,784			6,911			5.42	%
Equity securities		168,690			1,614			3.82	%		188,490			2,269			4.80	%		196,981			1,729			3.52	%
Total Investment Securities		2,795,891			34,583			4.78	%		2,804,002			33,229			4.74	%		3,011,156			37,168			4.90	%
Loans held for sale		101,319			1,539			6.08	%		159,492			2,694			6.76	%		108,478			1,610			5.94	%
Other interest-earning assets		19,013			142			2.94	%		34,536			432			4.91	%		16,325			102			2.50	%
Total Interest-earning Assets		14,613,064			217,826			5.91	%		13,855,666			242,102			6.95	%		14,559,368			219,313			6.05	%
Noninterest-earning assets:
Cash and due from banks		322,550									338,862									323,223
Premises and equipment		197,895									190,175									196,990
Other assets		933,303									890,901									984,000
Less: allowance for loan losses		(123,865	)								(108,628	)								(115,936	)
Total Assets	$	15,942,947								$	15,166,976								$	15,947,645
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	1,734,198		$	3,166			0.73	%	$	1,729,357		$	7,630			1.75	%	$	1,708,050		$	2,967			0.70	%
Savings deposits		2,192,747			6,633			1.20	%		2,259,231			13,680			2.40	%		2,207,699			6,600			1.20	%
Time deposits		4,308,903			37,393			3.45	%		4,626,160			55,093			4.72	%		4,361,280			41,562			3.83	%
Total Interest-bearing Deposits		8,235,848			47,192			2.28	%		8,614,748			76,403			3.52	%		8,277,029			51,129			2.48	%
Short-term borrowings		2,432,109			12,877			2.08	%		1,477,288			17,786			4.74	%		2,314,845			12,388			2.13	%
Federal Home Loan Bank advances and long-term debt		1,819,897			19,722			4.32	%		1,655,599			22,141			5.32	%		1,871,649			19,985			4.29	%
Total Interest-bearing Liabilities		12,487,854			79,791			2.54	%		11,747,635			116,330			3.93	%		12,463,523			83,502			2.69	%
Noninterest-bearing liabilities:
Demand deposits		1,669,908									1,703,137									1,662,266
Other		190,012									179,391									190,963
Total Liabilities		14,347,774									13,630,163									14,316,752
Shareholders’ equity		1,595,173									1,536,813									1,630,893
Total Liabilities and Shareholders’ Equity	$	15,942,947								$	15,166,976								$	15,947,645
Net interest income/net interest margin (fully taxable equivalent)					138,035			3.74	%					125,772			3.62	%					135,811			3.75	%
Tax equivalent adjustment					(4,017	)								(3,362	)								(3,921	)
Net interest income				$	134,018								$	122,410								$	131,890

(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:

	Quarter Ended						% Change from
	September 30		September 30		June 30		September 30			June 30
	2008		2007		2008		2007			2008
Loans, by type:
Real estate — commercial mortgage	$	3,820,045	$	3,383,487	$	3,697,650		12.9	%		3.3	%
Commercial — industrial, financial and agricultural		3,557,142		3,281,342		3,510,150		8.4	%		1.3	%
Real estate — home equity		1,619,935		1,454,947		1,568,173		11.3	%		3.3	%
Real estate — residential mortgage		953,420		769,381		894,652		23.9	%		6.6	%
Real estate — construction		1,293,096		1,382,951		1,291,064		(6.5	%)		0.2	%
Consumer		368,804		502,482		376,537		(26.6	%)		(2.1	%)
Leasing and other		84,399		83,046		85,183		1.6	%		(0.9	%)
Total Loans, net of unearned income	$	11,696,841	$	10,857,636	$	11,423,409		7.7	%		2.4	%
Deposits, by type:
Noninterest-bearing demand	$	1,669,908	$	1,703,137	$	1,662,266		(2.0	%)		0.5	%
Interest-bearing demand		1,734,198		1,729,357		1,708,050		0.3	%		1.5	%
Savings deposits		2,192,747		2,259,231		2,207,699		(2.9	%)		(0.7	%)
Time deposits		4,308,903		4,626,160		4,361,280		(6.9	%)		(1.2	%)
Total Deposits	$	9,905,756	$	10,317,885	$	9,939,295		(4.0	%)		(0.3	%)
Short-term borrowings, by type:
Federal funds purchased	$	1,399,130	$	756,360	$	1,303,590		85.0	%		7.3	%
Short-term promissory notes		486,179		446,182		468,802		9.0	%		3.7	%
Customer repurchase agreements		213,827		242,375		223,092		(11.8	%)		(4.2	%)
Overnight borrowings and other		332,973		32,371		319,361		928.6	%		4.3	%
Total Short-term borrowings	$	2,432,109	$	1,477,288	$	2,314,845		64.6	%		5.1	%

4

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands

	Nine Months Ended September 30
	2008									2007
	Average									Average
	Balance			Interest (1)			Yield/Rate			Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,472,748		$	554,437			6.45	%	$	10,619,834		$	601,390			7.57	%
Taxable investment securities		2,275,681			84,114			4.84	%		2,092,916			71,201			4.54	%
Tax-exempt investment securities		511,871			20,831			5.43	%		497,504			19,010			5.09	%
Equity securities		192,803			5,723			3.96	%		185,215			6,628			4.78	%
Total Investment Securities		2,980,355			110,668			4.89	%		2,775,635			96,839			4.65	%
Loans held for sale		102,819			4,726			6.13	%		188,223			9,771			6.92	%
Other interest-earning assets		20,701			462			2.96	%		36,008			1,339			4.93	%
Total Interest-earning Assets		14,576,623			670,293			6.13	%		13,619,700			709,339			6.96	%
Noninterest-earning assets:
Cash and due from banks		318,844									331,945
Premises and equipment		196,977									190,711
Other assets		948,134									896,604
Less: allowance for loan losses		(116,598	)								(108,425	)
Total Assets	$	15,923,980								$	14,930,535
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	1,709,380		$	10,538			0.82	%	$	1,688,129		$	21,733			1.72	%
Savings deposits		2,179,432			22,396			1.37	%		2,284,521			41,266			2.41	%
Time deposits		4,396,409			128,873			3.92	%		4,537,160			158,411			4.67	%
Total Interest-bearing Deposits		8,285,221			161,807			2.61	%		8,509,810			221,410			3.48	%
Short-term borrowings		2,365,052			44,093			2.46	%		1,424,109			51,734			4.82	%
Federal Home Loan Bank advances and long-term debt		1,829,981			60,714			4.43	%		1,564,333			61,271			5.23	%
Total Interest-bearing Liabilities		12,480,254			266,614			2.85	%		11,498,252			334,415			3.88	%
Noninterest-bearing liabilities:
Demand deposits		1,649,560									1,726,782
Other		190,487									184,010
Total Liabilities		14,320,301									13,409,044
Shareholders’ equity		1,603,679									1,521,491
Total Liabilities and Shareholders’ Equity	$	15,923,980								$	14,930,535
Net interest income/net interest margin (fully taxable equivalent)					403,679			3.69	%					374,924			3.69	%
Tax equivalent adjustment					(11,872	)								(9,831	)
Net interest income				$	391,807								$	365,093

(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
	2008		2007		% Change
Loans, by type:
Real estate — commercial mortgage	$	3,688,880	$	3,303,854		11.7	%
Commercial — industrial, financial and agricultural		3,513,406		3,162,524		11.1	%
Real estate — home equity		1,571,705		1,444,100		8.8	%
Real estate — residential mortgage		903,226		727,491		24.2	%
Real estate — construction		1,304,252		1,386,960		(6.0	%)
Consumer		406,058		508,544		(20.2	%)
Leasing and other		85,221		86,361		(1.3	%)
Total Loans, net of unearned income	$	11,472,748	$	10,619,834		8.0	%
Deposits, by type:
Noninterest-bearing demand	$	1,649,560	$	1,726,782		(4.5	%)
Interest-bearing demand		1,709,380		1,688,129		1.3	%
Savings deposits		2,179,432		2,284,521		(4.6	%)
Time deposits		4,396,409		4,537,160		(3.1	%)
Total Deposits	$	9,934,781	$	10,236,592		(2.9	%)
Short-term borrowings, by type:
Federal funds purchased	$	1,296,074	$	751,954		72.4	%
Short-term promissory notes		475,523		379,761		25.2	%
Customer repurchase agreements		221,253		251,520		(12.0	%)
Overnight borrowings and other		372,202		40,874		810.6	%
Total Short-term borrowings	$	2,365,052	$	1,424,109		66.1	%

5

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands

	Quarter Ended									Nine Months Ended
	September 30			September 30			June 30			September 30
	2008			2007			2008			2008			2007
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period	$	126,223		$	106,892		$	119,069		$	112,209		$	106,884
Loans charged-off:
Commercial — financial and agricultural		(4,684	)		(1,452	)		(4,752	)		(12,200	)		(4,596	)
Real estate — mortgage		(5,857	)		(122	)		(2,105	)		(8,811	)		(527	)
Consumer		(991	)		(874	)		(1,366	)		(3,738	)		(2,509	)
Leasing and other		(1,166	)		(357	)		(1,973	)		(3,771	)		(1,039	)
Total loans charged off		(12,698	)		(2,805	)		(10,196	)		(28,520	)		(8,671	)
Recoveries of loans charged off:
Commercial — financial and agricultural		749			267			—			1,025			1,467
Real estate — mortgage		238			8			67			385			89
Consumer		304			324			300			1,022			903
Leasing and other		313			143			277			1,082			500
Recoveries of loans previously charged off		1,604			742			644			3,514			2,959
Net loans charged off		(11,094	)		(2,063	)		(9,552	)		(25,006	)		(5,712	)
Provision for loan losses		26,700			4,606			16,706			54,626			8,263
Balance at end of period	$	141,829		$	109,435		$	126,223		$	141,829		$	109,435
Net charge-offs to average loans (annualized)		0.38	%		0.08	%		0.33	%		0.29	%		0.07	%
COMPONENTS OF ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses	$	136,988		$	109,435		$	122,340
Reserve for unfunded lending commitments (1)		4,841			—			3,883
Allowance for credit losses	$	141,829		$	109,435		$	126,223

(1) Reserve for unfunded commitments transferred to other liabilities as of December 31, 2007. Prior periods were not reclassified.

NON-PERFORMING ASSETS:
Non-accrual loans	$	143,310		$	71,043		$	108,699
Loans 90 days past due and accruing		21,354			23,406			35,656
Total non-performing loans		164,664			94,449			144,355
Other real estate owned		21,706			12,536			20,156
Total non-performing assets	$	186,370		$	106,985		$	164,511
NON-PERFORMING LOANS, BY TYPE:
Commercial — industrial, agricultural and financial	$	41,489		$	24,078		$	40,127
Real estate — commercial mortgage		32,642			14,254			39,099
Real estate — residential mortgage and home equity		26,274			24,505			21,988
Real estate — construction		57,436			28,029			37,003
Consumer		6,558			3,447			5,748
Leasing		265			136			390
Total non-performing loans	$	164,664		$	94,449		$	144,355
ASSET QUALITY RATIOS:
Non-accrual loans to total loans		1.21	%		0.65	%		0.94	%
Non-performing assets to total loans and OREO		1.57	%		0.97	%		1.42	%
Non-performing assets to total assets		1.15	%		0.69	%		1.02	%
Allowance for credit losses to loans outstanding		1.20	%		1.00	%		1.09	%
Allowance for loan losses to loans outstanding		1.16	%		1.00	%		1.06	%
Allowance for credit losses to non-performing loans		86	%		116	%		87	%

6