Fulton Financial (FULT) 8-K Fulton Financial reports second quarter earnings of $0.14 per share

Exhibit 99.2

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

dollars in thousands, except per-share data

	June 30
BALANCE SHEET DATA	2010			2009			% Change
Total assets	$	16,626,877		$	16,875,852		(1.5	%)
Loans, net of unearned income		11,943,384			11,866,818		0.6	%
Investment securities		2,892,890			3,335,403		(13.3	%)
Deposits		12,345,472			11,716,297		5.4	%
Shareholders’ equity		2,231,211			1,872,928		19.1	%
	Quarter Ended June 30								Six Months Ended June 30
INCOME SUMMARY	2010			2009			% Change		2010			2009			% Change
Interest income	$	187,680		$	198,097		(5.3	%)	$	378,268		$	393,664		(3.9	%)
Interest expense		(48,522	)		(70,153	)	(30.8	%)		(100,601	)		(141,604	)	(29.0	%)
Net interest income		139,158			127,944		8.8	%		277,667			252,060		10.2	%
Provision for loan losses		(40,000	)		(50,000	)	(20.0	%)		(80,000	)		(100,000	)	(20.0	%)
Investment securities gains (losses)		904			77		N/M			(1,319	)		2,996		N/M
Other income		43,061			45,300		(4.9	%)		82,751			89,295		(7.3	%)
Other expenses		(100,158	)		(107,806	)	(7.1	%)		(199,387	)		(214,178	)	(6.9	%)
Income before income taxes		42,965			15,515		176.9	%		79,712			30,173		164.2	%
Income tax expense		(11,283	)		(2,404	)	369.3	%		(20,550	)		(3,977	)	416.7	%
Net income		31,682			13,111		141.6	%		59,162			26,196		125.8	%
Preferred stock dividends and discount accretion		(5,066	)		(5,046	)	0.4	%		(10,131	)		(10,077	)	0.5	%
Net income available to common shareholders	$	26,616		$	8,065		230.0	%	$	49,031		$	16,119		204.2	%
PER COMMON SHARE:
Net income:
Basic	$	0.14		$	0.05		180.0	%	$	0.27		$	0.09		200.0	%
Diluted		0.14			0.05		180.0	%		0.27			0.09		200.0	%
Cash dividends		0.03			0.03		—			0.06			0.06		—
Shareholders’ equity		9.37			8.56		9.5	%		9.37			8.56		9.5	%
Shareholders’ equity (tangible)		6.60			5.40		22.2	%		6.60			5.40		22.2	%
SELECTED FINANCIAL RATIOS:
Return on average assets		0.77	%		0.32	%				0.72	%		0.32	%
Return on average common shareholders’ equity		6.06	%		2.16	%				5.90	%		2.17	%
Return on average common shareholders’ equity (tangible)		9.10	%		3.83	%				9.11	%		3.85	%
Net interest margin		3.76	%		3.43	%				3.77	%		3.44	%
Efficiency ratio		53.10	%		60.08	%				53.43	%		60.51	%
Tangible common equity to tangible assets		8.15	%		5.81	%				8.15	%		5.81	%
Non-performing assets to total assets		2.06	%		1.73	%				2.06	%		1.73	%

N/M - Not meaningful

1

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)

dollars in thousands

										% Change from
	June 30			June 30			March 31			June 30		March 31
	2010			2009			2010			2009		2010
ASSETS
Cash and due from banks	$	268,371		$	299,818		$	276,200		(10.5	%)	(2.8	%)
Loans held for sale		93,504			242,439			53,798		(61.4	%)	73.8	%
Other interest-earning assets		433,687			25,890			7,842		N/M		N/M
Investment securities		2,892,890			3,335,403			3,103,628		(13.3	%)	(6.8	%)
Loans, net of unearned income		11,943,384			11,866,818			11,964,840		0.6	%	(0.2	%)
Allowance for loan losses		(272,042	)		(214,170	)		(264,915	)	27.0	%	2.7	%
Net Loans		11,671,342			11,652,648			11,699,925		0.2	%	(0.2	%)
Premises and equipment		205,299			205,074			204,149		0.1	%	0.6	%
Accrued interest receivable		54,763			58,077			58,689		(5.7	%)	(6.7	%)
Goodwill and intangible assets		550,302			555,272			551,537		(0.9	%)	(0.2	%)
Other assets		456,719			501,231			455,755		(8.9	%)	0.2	%
Total Assets	$	16,626,877		$	16,875,852		$	16,411,523		(1.5	%)	1.3	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	12,345,472		$	11,716,297		$	12,156,455		5.4	%	1.6	%
Short-term borrowings		458,334			1,317,293			624,650		(65.2	%)	(26.6	%)
Federal Home Loan Bank advances and long-term debt		1,365,688			1,750,967			1,440,755		(22.0	%)	(5.2	%)
Other liabilities		226,172			218,367			219,825		3.6	%	2.9	%
Total Liabilities		14,395,666			15,002,924			14,441,685		(4.0	%)	(0.3	%)
Preferred stock		371,009			369,610			370,649		0.4	%	0.1	%
Common shareholders’ equity		1,860,202			1,503,318			1,599,189		23.7	%	16.3	%
Total Shareholders’ Equity		2,231,211			1,872,928			1,969,838		19.1	%	13.3	%
Total Liabilities and Shareholders’ Equity	$	16,626,877		$	16,875,852		$	16,411,523		(1.5	%)	1.3	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
Real estate - commercial mortgage	$	4,330,630		$	4,121,208		$	4,322,774		5.1	%	0.2	%
Commercial - industrial, financial and agricultural		3,664,603			3,614,144			3,684,903		1.4	%	(0.6	%)
Real estate - home equity		1,637,171			1,653,461			1,638,179		(1.0	%)	(0.1	%)
Real estate - residential mortgage		985,345			925,270			951,381		6.5	%	3.6	%
Real estate - construction		893,305			1,096,047			937,279		(18.5	%)	(4.7	%)
Consumer		368,631			371,492			361,681		(0.8	%)	1.9	%
Leasing and other		63,699			85,196			68,643		(25.2	%)	(7.2	%)
Total Loans, net of unearned income	$	11,943,384		$	11,866,818		$	11,964,840		0.6	%	(0.2	%)
Deposits, by type:
Noninterest-bearing demand	$	2,147,153		$	1,942,845		$	2,038,199		10.5	%	5.3	%
Interest-bearing demand		2,024,033			1,793,070			1,987,791		12.9	%	1.8	%
Savings deposits		3,136,492			2,436,815			2,972,621		28.7	%	5.5	%
Time deposits		5,037,794			5,543,567			5,157,844		(9.1	%)	(2.3	%)
Total Deposits	$	12,345,472		$	11,716,297		$	12,156,455		5.4	%	1.6	%
Short-term borrowings, by type:
Customer repurchase agreements	$	247,775		$	261,444		$	245,265		(5.2	%)	1.0	%
Customer short-term promissory notes		200,992			274,028			217,345		(26.7	%)	(7.5	%)
Federal funds purchased		9,567			781,357			162,040		(98.8	%)	(94.1	%)
Other		—			464			—		N/A		—
Total Short-term borrowings	$	458,334		$	1,317,293		$	624,650		(65.2	%)	(26.6	%)

N/A - Not Applicable

N/A - Not Meaningful

2

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

dollars in thousands, except per-share data

	Quarter Ended									% Change from				Six Months Ended
	June 30			June 30			March 31			June 30		March 31		June 30
	2010			2009			2010			2009		2010		2010			2009			% Change
Interest Income:
Interest income	$	187,680		$	198,097		$	190,588		(5.3	%)	(1.5	%)	$	378,268		$	393,664		(3.9	%)
Interest expense		48,522			70,153			52,079		(30.8	%)	(6.8	%)		100,601			141,604		(29.0	%)
Net Interest Income		139,158			127,944			138,509		8.8	%	0.5	%		277,667			252,060		10.2	%
Provision for loan losses		40,000			50,000			40,000		(20.0	%)	—			80,000			100,000		(20.0	%)
Net Interest Income after Provision		99,158			77,944			98,509		27.2	%	0.7	%		197,667			152,060		30.0	%
Other Income:
Service charges on deposit accounts		15,482			15,061			14,267		2.8	%	8.5	%		29,749			29,955		(0.7	%)
Other service charges and fees		10,522			9,595			9,372		9.7	%	12.3	%		19,894			17,949		10.8	%
Investment management and trust services		8,655			7,876			8,088		9.9	%	7.0	%		16,743			15,779		6.1	%
Gains on sales of mortgage loans		3,063			7,395			3,364		(58.6	%)	(8.9	%)		6,427			15,986		(59.8	%)
Investment securities gains (losses)		904			77			(2,223	)	N/M		N/M			(1,319	)		2,996		N/M
Other		5,339			5,373			4,599		(0.6	%)	16.1	%		9,938			9,626		3.2	%
Total Other Income		43,965			45,377			37,467		(3.1	%)	17.3	%		81,432			92,291		(11.8	%)
Other Expenses:
Salaries and employee benefits		54,654			55,799			52,345		(2.1	%)	4.4	%		106,999			111,103		(3.7	%)
Net occupancy expense		10,519			10,240			11,650		2.7	%	(9.7	%)		22,169			21,263		4.3	%
FDIC insurance expense		5,136			12,206			4,954		(57.9	%)	3.7	%		10,090			16,494		(38.8	%)
Professional fees		3,035			2,088			2,546		45.4	%	19.2	%		5,581			4,316		29.3	%
Equipment expense		2,663			3,300			3,091		(19.3	%)	(13.8	%)		5,754			6,379		(9.8	%)
Data processing		2,364			2,907			2,624		(18.7	%)	(9.9	%)		4,988			5,979		(16.6	%)
Marketing		2,271			1,724			1,830		31.7	%	24.1	%		4,101			4,295		(4.5	%)
Telecommunications		2,086			2,181			2,270		(4.4	%)	(8.1	%)		4,356			4,344		0.3	%
Intangible amortization		1,341			1,434			1,314		(6.5	%)	2.1	%		2,655			2,897		(8.4	%)
Operating risk loss		640			144			511		344.4	%	25.2	%		1,151			6,345		(81.9	%)
Other		15,449			15,783			16,094		(2.1	%)	(4.0	%)		31,543			30,763		2.5	%
Total Other Expenses		100,158			107,806			99,229		(7.1	%)	0.9	%		199,387			214,178		(6.9	%)
Income Before Income Taxes		42,965			15,515			36,747		176.9	%	16.9	%		79,712			30,173		164.2	%
Income tax expense		11,283			2,404			9,267		369.3	%	21.8	%		20,550			3,977		416.7	%
Net Income		31,682			13,111			27,480		141.6	%	15.3	%		59,162			26,196		125.8	%
Preferred stock dividends and discount accretion		(5,066	)		(5,046	)		(5,065	)	0.4	%	—			(10,131	)		(10,077	)	0.5	%
Net Income Available to Common Shareholders	$	26,616		$	8,065		$	22,415		230.0	%	18.7	%	$	49,031		$	16,119		204.2	%
PER COMMON SHARE:
Net income:
Basic	$	0.14		$	0.05		$	0.13		180.0	%	7.7	%	$	0.27		$	0.09		200.0	%
Diluted		0.14			0.05			0.13		180.0	%	7.7	%		0.27			0.09		200.0	%
Cash dividends	$	0.03		$	0.03		$	0.03		—		—		$	0.06		$	0.06		—
Shareholders’ equity		9.37			8.56			9.06		9.5	%	3.4	%		9.37			8.56		9.5	%
Shareholders’ equity (tangible)		6.60			5.40			5.94		22.2	%	11.1	%		6.60			5.40		22.2	%
Weighted average shares (basic)		190,221			175,554			176,174		8.4	%	8.0	%		183,236			175,435		4.4	%
Weighted average shares (diluted)		190,827			175,724			176,681		8.6	%	8.0	%		183,793			175,637		4.6	%
Shares outstanding, end of period		198,463			175,706			176,509		13.0	%	12.4	%		198,463			175,706		13.0	%
SELECTED FINANCIAL RATIOS:
Return on average assets		0.77	%		0.32	%		0.68	%						0.72	%		0.32	%
Return on average common shareholders’ equity		6.06	%		2.16	%		5.73	%						5.90	%		2.17	%
Return on average common shareholders’ equity (tangible)		9.10	%		3.83	%		9.13	%						9.11	%		3.85	%
Net interest margin		3.76	%		3.43	%		3.78	%						3.77	%		3.44	%
Efficiency ratio		53.10	%		60.08	%		53.77	%						53.43	%		60.51	%

N/M - Not meaningful

3

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

dollars in thousands

	Quarter Ended
	June 30, 2010									June 30, 2009								March 31, 2010
	Average Balance			Interest (1)			Yield/ Rate			Average Balance			Interest (1)			Yield/ Rate		Average Balance			Interest (1)			Yield/ Rate
ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,959,176		$	159,632			5.35	%	$	11,960,669		$	163,744		5.49	%	$	11,971,786		$	159,424		5.39	%
Taxable investment securities		2,386,695			25,146			4.22	%		2,673,136			29,422		4.40	%		2,663,127			28,149		4.23	%
Tax-exempt investment securities		355,186			5,152			5.80	%		462,991			6,425		5.55	%		387,971			5,531		5.70	%
Equity securities		140,271			733			2.09	%		134,702			660		1.96	%		141,896			809		2.29	%
Total Investment Securities		2,882,152			31,031			4.31	%		3,270,829			36,507		4.47	%		3,192,994			34,489		4.33	%
Loans held for sale		59,412			667			4.49	%		139,354			1,628		4.67	%		42,938			556		5.18	%
Other interest-earning assets		366,200			231			0.25	%		20,897			40		0.76	%		10,793			25		0.95	%
Total Interest-earning Assets		15,266,940			191,561			5.03	%		15,391,749			201,919		5.26	%		15,218,511			194,494		5.17	%
Noninterest-earning assets:
Cash and due from banks		261,576									283,399								263,147
Premises and equipment		203,928									204,451								203,584
Other assets		1,102,587									938,156								1,086,635
Less: allowance for loan losses		(275,209	)								(211,166	)							(273,426	)
Total Assets	$	16,559,822								$	16,606,589							$	16,498,451
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	2,019,605		$	1,840			0.37	%	$	1,818,897		$	2,002		0.44	%	$	1,981,653		$	1,840		0.38	%
Savings deposits		3,090,857			5,388			0.70	%		2,307,089			4,401		0.76	%		2,847,427			5,201		0.74	%
Time deposits		5,120,648			24,591			1.93	%		5,625,841			41,604		2.97	%		5,202,975			26,697		2.08	%
Total Interest-bearing Deposits		10,231,110			31,819			1.25	%		9,751,827			48,007		1.97	%		10,032,055			33,738		1.36	%
Short-term borrowings		512,583			390			0.30	%		1,186,541			921		0.31	%		871,981			549		0.25	%
Federal Home Loan Bank advances and long-term debt		1,403,410			16,313			4.66	%		1,780,120			21,225		4.78	%		1,484,236			17,792		4.86	%
Total Interest-bearing Liabilities		12,147,103			48,522			1.60	%		12,718,488			70,153		2.21	%		12,388,272			52,079		1.70	%
Noninterest-bearing liabilities:
Demand deposits		2,079,674									1,812,539								1,973,146
Other		199,778									206,901								180,528
Total Liabilities		14,426,555									14,737,928								14,541,946
Shareholders’ equity		2,133,267									1,868,661								1,956,505
Total Liabilities and Shareholders’ Equity	$	16,559,822								$	16,606,589							$	16,498,451
Net interest income/net interest margin (fully taxable equivalent)					143,039			3.76	%					131,766		3.43	%					142,415		3.78	%
Tax equivalent adjustment					(3,881	)								(3,822	)							(3,906	)
Net interest income				$	139,158								$	127,944							$	138,509
(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
	June 30 2010			June 30 2009			March 31 2010			June 30 2009			March 31 2010
Loans, by type:
Real estate - commercial mortgage	$	4,319,540		$	4,091,498		$	4,306,270			5.6	%		0.3	%
Commercial - industrial, financial and agricultural		3,686,442			3,656,294			3,686,405			0.8	%		—
Real estate - home equity		1,638,260			1,668,562			1,640,912			(1.8	%)		(0.2	%)
Real estate - residential mortgage		972,129			935,983			940,652			3.9	%		3.3	%
Real estate - construction		909,836			1,152,195			962,175			(21.0	%)		(5.4	%)
Consumer		362,883			371,610			362,212			(2.3	%)		0.2	%
Leasing and other		70,086			84,527			73,160			(17.1	%)		(4.2	%)
Total Loans, net of unearned income	$	11,959,176		$	11,960,669		$	11,971,786			—			(0.1	%)
Deposits, by type:
Noninterest-bearing demand	$	2,079,674		$	1,812,539		$	1,973,146			14.7	%		5.4	%
Interest-bearing demand		2,019,605			1,818,897			1,981,653			11.0	%		1.9	%
Savings deposits		3,090,857			2,307,089			2,847,427			34.0	%		8.5	%
Time deposits		5,120,648			5,625,841			5,202,975			(9.0	%)		(1.6	%)
Total Deposits	$	12,310,784		$	11,564,366		$	12,005,201			6.5	%		2.5	%
Short-term borrowings, by type:
Customer repurchase agreements	$	263,533		$	256,306		$	248,982			2.8	%		5.8	%
Customer short-term promissory notes		207,100			297,743			223,439			(30.4	%)		(7.3	%)
Federal funds purchased		41,950			580,020			399,560			(92.8	%)		(89.5	%)
Other		—			52,472			—			N/A			—
Total Short-term borrowings	$	512,583		$	1,186,541		$	871,981			(56.8	%)		(41.2	%)
N/A - Not applicable

4

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

dollars in thousands

	Year Ended June 30
	2010								2009
	Average Balance			Interest (1)			Yield/Rate		Average Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,965,446		$	319,056		5.37	%	$	12,000,755		$	327,497		5.50	%
Taxable investment securities		2,524,149			53,295		4.23	%		2,444,159			56,272		4.61	%
Tax-exempt investment securities		371,488			10,683		5.75	%		483,016			13,312		5.51	%
Equity securities		141,079			1,542		2.19	%		135,998			1,434		2.12	%
Total Investment Securities		3,036,716			65,520		4.32	%		3,063,173			71,018		4.64	%
Loans held for sale		51,220			1,223		4.77	%		122,007			2,889		4.74	%
Other interest-earning assets		189,479			256		0.27	%		18,927			89		0.95	%
Total Interest-earning Assets		15,242,861			386,055		5.10	%		15,204,862			401,493		5.32	%
Noninterest-earning assets:
Cash and due from banks		262,357								300,568
Premises and equipment		203,757								203,667
Other assets		1,094,653								931,494
Less: allowance for loan losses		(274,322	)							(199,241	)
Total Assets	$	16,529,306							$	16,441,350
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	2,000,734		$	3,680		0.37	%	$	1,786,629		$	3,777		0.43	%
Savings deposits		2,969,814			10,589		0.72	%		2,183,243			8,754		0.81	%
Time deposits		5,161,583			51,288		2.00	%		5,529,794			85,371		3.11	%
Total Interest-bearing Deposits		10,132,131			65,557		1.30	%		9,499,666			97,902		2.08	%
Short-term borrowings		691,289			939		0.27	%		1,350,889			2,358		0.35	%
Federal Home Loan Bank advances and long-term debt		1,443,600			34,105		4.75	%		1,783,787			41,344		4.67	%
Total Interest-bearing Liabilities		12,267,020			100,601		1.65	%		12,634,342			141,604		2.26	%
Noninterest-bearing liabilities:
Demand deposits		2,026,705								1,735,525
Other		190,207								204,190
Total Liabilities		14,483,932								14,574,057
Shareholders’ equity		2,045,374								1,867,293
Total Liabilities and Shareholders’ Equity	$	16,529,306							$	16,441,350
Net interest income/net interest margin (fully taxable equivalent)					285,454		3.77	%					259,889		3.44	%
Tax equivalent adjustment					(7,787	)							(7,829	)
Net interest income				$	277,667							$	252,060
(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
	2010			2009			% Change
Loans, by type:
Real estate - commercial mortgage	$	4,312,942		$	4,070,291		6.0	%
Commercial - industrial, financial and agricultural		3,686,425			3,656,133		0.8	%
Real estate - home equity		1,639,579			1,683,497		(2.6	%)
Real estate - residential mortgage		956,478			946,710		1.0	%
Real estate - construction		935,861			1,190,803		(21.4	%)
Consumer		362,549			366,293		(1.0	%)
Leasing and other		71,612			87,028		(17.7	%)
Total Loans, net of unearned income	$	11,965,446		$	12,000,755		(0.3	%)
Deposits, by type:
Noninterest-bearing demand	$	2,026,705		$	1,735,525		16.8	%
Interest-bearing demand		2,000,734			1,786,629		12.0	%
Savings deposits		2,969,814			2,183,243		36.0	%
Time deposits		5,161,583			5,529,794		(6.7	%)
Total Deposits	$	12,158,836		$	11,235,191		8.2	%
Short-term borrowings, by type:
Customer repurchase agreements	$	256,298		$	251,395		2.0	%
Customer short-term promissory notes		215,224			317,297		(32.2	%)
Federal funds purchased		219,767			685,425		(67.9	%)
Federal Reserve Bank borrowings		—			93,039		N/A
Other		—			3,733		N/A
Total Short-term borrowings	$	691,289		$	1,350,889		(48.8	%)
N/A - Not applicable

5

FULTON FINANCIAL CORPORATION

ASSET QUALITY INFORMATION (UNAUDITED)

dollars in thousands

	Quarter Ended									Six Months Ended June 30
	June 30			June 30			March 31
	2010			2009			2010			2010			2009
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period	$	269,254		$	200,063		$	257,553		$	257,553		$	180,137
Loans charged off:
Commercial - industrial, agricultural and financial		(13,390	)		(6,274	)		(2,981	)		(16,371	)		(16,896	)
Real estate - construction		(9,299	)		(11,294	)		(20,553	)		(29,852	)		(23,536	)
Real estate - commercial mortgage		(3,915	)		(5,961	)		(2,344	)		(6,259	)		(9,921	)
Consumer		(2,438	)		(3,064	)		(2,078	)		(4,516	)		(5,140	)
Real estate - residential mortgage and home equity		(1,880	)		(1,830	)		(1,391	)		(3,271	)		(3,767	)
Leasing and other		(610	)		(2,099	)		(645	)		(1,255	)		(3,045	)
Total loans charged off		(31,532	)		(30,522	)		(29,992	)		(61,524	)		(62,305	)
Recoveries of loans charged off:
Commercial - industrial, agricultural and financial		1,157			306			436			1,593			1,210
Real estate - construction		581			214			315			896			326
Real estate - commercial mortgage		157			25			128			285			35
Consumer		488			511			552			1,040			940
Real estate - residential mortgage and home equity		3			147			1			4			148
Leasing and other		269			210			261			530			463
Recoveries of loans previously charged off		2,655			1,413			1,693			4,348			3,122
Net loans charged off		(28,877	)		(29,109	)		(28,299	)		(57,176	)		(59,183	)
Provision for loan losses		40,000			50,000			40,000			80,000			100,000
Balance at end of period	$	280,377		$	220,954		$	269,254		$	280,377		$	220,954
Net charge-offs to average loans (annualized)		0.97	%		0.97	%		0.95	%		0.96	%		0.99	%
NON-PERFORMING ASSETS:
Non-accrual loans	$	263,227		$	228,132		$	242,423
Loans 90 days past due and accruing		53,707			39,135			43,603
Total non-performing loans		316,934			267,267			286,026
Other real estate owned		25,681			24,916			26,228
Total non-performing assets	$	342,615		$	292,183		$	312,254
NON-PERFORMING LOANS, BY TYPE:
Real estate - commercial mortgage	$	101,378		$	57,786		$	70,565
Real estate - construction		79,122			102,977			79,527
Commercial - industrial, agricultural and financial		77,587			58,433			78,365
Real estate - residential mortgage and home equity		45,639			37,231			42,302
Consumer		13,115			9,764			15,086
Leasing		93			1,076			181
Total non-performing loans	$	316,934		$	267,267		$	286,026
ASSET QUALITY RATIOS:
Non-accrual loans to total loans		2.20	%		1.92	%		2.03	%
Non-performing assets to total loans and OREO		2.86	%		2.46	%		2.60	%
Non-performing assets to total assets		2.06	%		1.73	%		1.90	%
Allowance for credit losses to loans outstanding		2.35	%		1.86	%		2.25	%
Allowance for credit losses to non-performing loans		88.47	%		82.67	%		94.14	%
Non-performing assets to tangible common shareholders’ equity and allowance for credit losses		21.54	%		24.99	%		23.71	%

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