Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

Schedule of Compliance with Regulatory Capital Requirements

The following tables present the Total risk-based, Tier I risk-based and Tier I leverage requirements for the Corporation and its significant subsidiaries with total assets in excess of $1 billion.



	2014
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount	Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,970,569	14.7	%	$	1,076,013	8.0	%	N/A	N/A
Fulton Bank, N.A.	1,065,445		13.2		643,791		8.0		804,739	10.0	%
Fulton Bank of New Jersey	347,235		13.1		211,823		8.0		264,779	10.0
The Columbia Bank	203,109		13.5		119,934		8.0		149,917	10.0
Lafayette Ambassador Bank	167,800		15.9		84,407		8.0		105,508	10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	1,655,853		12.3		538,007		4.0	%	N/A	N/A
Fulton Bank, N.A	977,547		12.1		321,896		4.0		482,843	6.0	%
Fulton Bank of New Jersey	313,843		11.9		105,911		4.0		158,867	6.0
The Columbia Bank	184,331		12.3		59,967		4.0		89,950	6.0
Lafayette Ambassador Bank	154,817		14.7		42,203		4.0		63,305	6.0
Tier I Capital (to Average Assets):
Corporation	1,655,853		10.0		663,421		4.0	%	N/A	N/A
Fulton Bank, N.A	977,547		10.5		373,288		4.0		466,610	5.0	%
Fulton Bank of New Jersey	313,843		9.4		133,580		4.0		166,975	5.0
The Columbia Bank	184,331		9.4		78,186		4.0		97,733	5.0
Lafayette Ambassador Bank	154,817		10.8		57,132		4.0		71,416	5.0

N/A – Not applicable as "well capitalized" applies to banks only.



	2013
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount	Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,987,737	15.0	%	$	1,056,974	8.0	%	N/A	N/A
Fulton Bank, N.A.	1,053,214		13.1		641,218		8.0		801,523	10.0	%
Fulton Bank of New Jersey	343,341		13.8		199,120		8.0		248,900	10.0
The Columbia Bank	215,648		15.4		111,675		8.0		139,594	10.0
Lafayette Ambassador Bank	155,475		14.2		87,566		8.0		109,458	10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,736,567	13.1		$	528,487	4.0	%	N/A	N/A
Fulton Bank, N.A	941,546		11.8		320,609		4.0		480,914	6.0	%
Fulton Bank of New Jersey	308,210		12.4		99,560		4.0		149,340	6.0
The Columbia Bank	198,135		14.2		55,837		4.0		83,756	6.0
Lafayette Ambassador Bank	140,733		12.9		43,783		4.0		65,675	6.0
Tier I Capital (to Average Assets):
Corporation	$	1,736,567	10.6		$	654,532	4.0	%	N/A	N/A
Fulton Bank, N.A	941,546		10.0		375,647		4.0		469,558	5.0	%
Fulton Bank of New Jersey	308,210		9.6		128,250		4.0		160,312	5.0
The Columbia Bank	198,135		10.6		75,098		4.0		93,873	5.0
Lafayette Ambassador Bank	140,733		10.1		55,563		4.0		69,454	5.0

N/A – Not applicable as "well capitalized" applies to banks only.

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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