FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)
in thousands, except per-share data and percentages
	Three Months Ended
	Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
	2019				2019				2019				2018				2018
Ending Balances
Investments	$	2,705,610			$	2,853,358			$	2,748,249			$	2,686,973			$	2,635,413
Loans, net of unearned income	16,686,866				16,368,458				16,262,633				16,165,800				15,925,093
Total assets	21,703,618				21,308,670				20,974,649				20,682,152				20,364,810
Deposits	17,342,717				16,388,895				16,377,978				16,376,159				16,249,014
Shareholders' equity	2,324,016				2,308,798				2,301,019				2,247,573				2,283,014
Average Balances
Investments	$	2,829,672			$	2,790,392			$	2,699,130			$	2,646,266			$	2,596,414
Loans, net of unearned income	16,436,507				16,316,076				16,194,375				15,965,637				15,862,143
Total assets	21,457,800				21,057,030				20,690,365				20,512,130				20,273,232
Deposits	16,950,667				16,375,456				16,275,633				16,413,066				15,967,234
Shareholders' equity	2,315,585				2,301,258				2,265,097				2,281,669				2,269,093
Income Statement
Net interest income	$	161,260			$	164,544			$	163,315			$	162,944			$	160,127
Provision for credit losses	2,170				5,025				5,100				8,200				1,620
Non-interest income	59,813				54,315				46,751				49,523				51,033
Non-interest expense	146,770				144,168				137,824				140,685				135,413
Income before taxes	72,133				69,666				67,142				63,582				74,127
Net income	62,108				59,779				56,663				58,083				65,633
Pre-provision net revenue(1)	76,741				76,114				73,775				78,320				77,370
Per Share
Net income (basic)	$	0.38			$	0.36			$	0.33			$	0.33			$	0.37
Net income (diluted)	$	0.37			$	0.35			$	0.33			$	0.33			$	0.37
Cash dividends	$	0.13			$	0.13			$	0.13			$	0.16			$	0.12
Tangible common equity(1)	10.91				10.63				10.39				10.08				9.95
Weighted average shares (basic)	165,324				168,343				169,884				174,571				175,942
Weighted average shares (diluted)	166,126				169,168				170,909				175,473				177,128
Asset Quality
Net charge-offs (recoveries) to average loans (annualized)	0.15		%		(0.04		)%		0.10		%		0.17		%		0.08		%
Non-performing loans to total loans	0.81		%		0.90		%		0.85		%		0.86		%		0.75		%
Non-performing assets to total assets	0.66		%		0.73		%		0.70		%		0.73		%		0.64		%
Allowance for credit losses to loans outstanding	1.04		%		1.08		%		1.05		%		1.05		%		1.05		%
Allowance for loan losses to loans outstanding	1.00		%		1.04		%		1.00		%		0.99		%		0.99		%
Allowance for credit losses to non-performing loans	127		%		120		%		123		%		121		%		140		%
Allowance for loan losses to non-performing loans	122		%		115		%		117		%		115		%		131		%
Non-performing assets to tangible shareholders' equity      and allowance for credit losses(1)	7.32		%		7.94		%		7.63		%		7.97		%		6.81		%

Profitability
Return on average assets	1.15		%		1.14		%		1.11		%		1.12		%		1.28		%
Return on average shareholders' equity	10.64				10.42				10.15%				10.10%				11.48%
Return on average shareholders' equity (tangible)(1)	14.03				13.60				13.28%				13.17%				14.99%
Net interest margin	3.31		%		3.44		%		3.49		%		3.44		%		3.42		%
Efficiency ratio(1)	63.6		%		64.2		%		63.9		%		62.2		%		62.5		%
Capital Ratios
Tangible common equity ratio(1)	8.45		%		8.54		%		8.64		%		8.52		%		8.83		%
Tier 1 leverage ratio(2)	8.47		%		8.68		%		8.92				9.01%				9.34
Common equity Tier 1 capital ratio(2)	9.64		%		9.96		%		10.16		%		10.22		%		10.80		%
Tier 1 capital ratio(2)	9.64		%		9.96		%		10.16		%		10.22		%		10.80		%
Total risk-based capital ratio(2)	12.02		%		12.44		%		12.63		%		12.75		%		13.34		%
(1) Please refer to the calculation on the page titled “Reconciliation of Non-GAAP Measures” at the end of this document.
(2) Regulatory capital ratios as of September 30, 2019 are preliminary and remaining periods are actual.

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																						% Change from
		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30				Jun 30			Sep 30
		2019				2019				2019				2018				2018				2019			2018
ASSETS
	Cash and due from banks	$	120,671			$	107,091			$	115,884			$	103,436			$	90,361			12.7	%		33.5	%
	Other interest-earning assets	572,499				488,968				411,037				421,534				388,256				17.1	%		47.5	%
	Loans held for sale	33,945				45,754				27,768				27,099				27,525				(25.8	)%		23.3	%
	Investment securities	2,705,610				2,853,358				2,748,249				2,686,973				2,635,413				(5.2	)%		2.7	%
	Loans, net of unearned income	16,686,866				16,368,458				16,262,633				16,165,800				15,925,093				1.9	%		4.8	%
	Allowance for loan losses	(166,135		)		(170,233		)		(162,109		)		(160,537		)		(157,810		)		(2.4	)%		5.3	%
	Net loans	16,520,731				16,198,225				16,100,524				16,005,263				15,767,283				2.0	%		4.8	%
	Premises and equipment	237,344				243,300				239,004				234,529				231,236				(2.4	)%		2.6	%
	Accrued interest receivable	60,447				62,984				62,207				58,879				58,584				(4.0	)%		3.2	%
	Goodwill and intangible assets	534,178				535,249				535,356				531,556				531,556				(0.2	)%		0.5	%
	Other assets	918,193				773,741				734,620				612,883				634,596				18.7	%		44.7	%
	Total Assets	$	21,703,618			$	21,308,670			$	20,974,649			$	20,682,152			$	20,364,810			1.9	%		6.6	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	17,342,717			$	16,388,895			$	16,377,978			$	16,376,159			$	16,249,014			5.8	%		6.7	%
	Short-term borrowings	832,860				1,188,390				829,016				754,777				485,565				(29.9	)%		71.5	%
	Other liabilities	477,311				435,171				401,324				311,364				355,102				9.7	%		34.4	%
	FHLB advances and long-term debt	726,714				987,416				1,065,312				992,279				992,115				(26.4	)%		(26.8	)%
	Total Liabilities	19,379,602				18,999,872				18,673,630				18,434,579				18,081,796				2.0	%		7.2	%
	Shareholders' equity	2,324,016				2,308,798				2,301,019				2,247,573				2,283,014				0.7	%		1.8	%
	Total Liabilities and Shareholders' Equity	$	21,703,618			$	21,308,670			$	20,974,649			$	20,682,152			$	20,364,810			1.9	%		6.6	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	6,604,634			$	6,497,973			$	6,428,688			$	6,434,285			$	6,337,984			1.6	%		4.2	%
	Commercial - industrial, financial and agricultural	4,494,496				4,365,248				4,429,538				4,404,548				4,288,823				3.0	%		4.8	%
	Real estate - residential mortgage	2,570,793				2,451,966				2,313,908				2,251,044				2,173,548				4.8	%		18.3	%
	Real estate - home equity	1,346,115				1,386,974				1,413,500				1,452,137				1,469,152				(2.9	)%		(8.4	)%
	Real estate - construction	913,644				922,547				953,087				916,599				979,857				(1.0	)%		(6.8	)%
	Consumer	464,213				452,874				433,545				419,186				390,708				2.5	%		18.8	%
	Leasing and other	292,971				290,876				290,367				288,001				285,021				0.7	%		2.8	%
	Total Loans, net of unearned income	$	16,686,866			$	16,368,458			$	16,262,633			$	16,165,800			$	15,925,093			1.9	%		4.8	%
Deposits, by type:
	Noninterest-bearing demand	$	4,240,478			$	4,226,404			$	4,255,043			$	4,310,105			$	4,216,064			0.3	%		0.6	%
	Interest-bearing demand	4,771,109				4,083,615				4,207,442				4,240,974				4,289,181				16.8	%		11.2	%
	Savings and money market accounts	5,094,387				4,938,998				4,907,346				4,926,937				4,878,982				3.1	%		4.4	%
	Total demand and savings	14,105,974				13,249,017				13,369,831				13,478,016				13,384,227				6.5	%		5.4	%
	Brokered deposits	256,870				246,116				251,395				176,239				164,601				4.4	%		56.1	%
	Time deposits	2,979,873				2,893,762				2,756,752				2,721,904				2,700,186				3.0	%		10.4	%
	Total Deposits	$	17,342,717			$	16,388,895			$	16,377,978			$	16,376,159			$	16,249,014			5.8	%		6.7	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	58,853			$	56,496			$	54,440			$	43,499			$	82,741			4.2	%		(28.9	)%
	Customer short-term promissory notes	279,007				281,894				299,576				326,278				267,824				(1.0	)%		4.2	%
	Short-term FHLB advances	475,000				650,000				475,000				385,000				85,000				(26.9	)%		N/M
	Federal funds purchased	20,000				200,000				—				—				50,000				(90.0	)%		(60.0	)%
	Total Short-term Borrowings	$	832,860			$	1,188,390			$	829,016			$	754,777			$	485,565			(29.9	)%		71.5	%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
dollars in thousands
				Three Months Ended																				% Change from								Nine Months Ended
				Sep 30				Jun 30				Mar 31				Dec 31				Sep 30				Jun 30			Sep 30					Sep 30
				2019				2019				2019				2018				2018				2019			2018					2019				2018				% Change
Interest Income:
	Interest income			$	208,413			$	210,034			$	204,700			$	200,609			$	194,048			(0.8	)%		7.4	%				$	623,147			$	557,905			11.7	%
	Interest expense			47,153				45,490				41,385				37,665				33,921				3.7	%		39.0	%				134,028				90,393				48.3	%
	Net Interest Income			161,260				164,544				163,315				162,944				160,127				(2.0	)%		0.7	%				489,119				467,512				4.6	%
	Provision for credit losses			2,170				5,025				5,100				8,200				1,620				(56.8	)%		34.0	%				12,295				38,707				(68.2	)%
	Net Interest Income after Provision			159,090				159,519				158,215				154,744				158,507				(0.3	)%		0.4	%				476,824				428,805				11.2	%
Non-Interest Income:
	Wealth management fees			13,867				14,153				13,239				13,408				13,066				(2.0	)%		6.1	%				41,259				38,740				6.5	%
	Mortgage banking income			6,658				6,593				4,772				4,774				4,896				1.0	%		36.0	%				18,023				14,252				26.5	%
	Consumer banking income:
	Card income			5,791				5,047				4,686				4,966				5,382				14.7	%		7.6	%				15,524				14,531				6.8	%
	Overdraft fees			4,682				4,413				4,104				4,653				4,443				6.1	%		5.4	%				13,199				12,952				1.9	%
	Other consumer banking income			2,860				2,907				2,587				2,799				2,840				(1.6	)%		0.7	%				8,354				8,522				(2.0	)%
	Total consumer banking income			13,333				12,367				11,377				12,418				12,665				7.8	%		5.3	%				37,077				36,005				3.0	%
	Commercial banking income:
	Merchant and card income			6,166				6,512				5,558				5,656				6,307				(5.3	)%		(2.2	)%				18,236				17,770				2.6	%
	Cash management fees			4,696				4,638				4,361				4,340				4,472				1.3	%		5.0	%				13,695				13,242				3.4	%
	Commercial loan interest rate swap fees			3,944				3,477				2,028				2,540				3,607				13.4	%		9.3	%				9,449				7,291				29.6	%
	Other commercial banking income			3,478				3,815				2,816				3,466				3,154				(8.8	)%		10.3	%				10,109				9,625				5.0	%
	Total commercial banking income			18,284				18,442				14,763				16,002				17,540				(0.9	)%		4.2	%				51,489				47,928				7.4	%
	Other income			3,179				2,584				2,535				2,921				2,852				23.0	%		11.5	%				8,298				9,040				(8.2	)%
	Non-interest income before investment securities gains			55,321				54,139				46,686				49,523				51,019				2.2	%		8.4	%				156,146				145,965				7.0	%
	Investment securities gains, net			4,492				176				65				—				14				N/M			N/M					4,733				37				N/M
	Total Non-Interest Income			59,813				54,315				46,751				49,523				51,033				10.1	%		17.2	%				160,879				146,002				10.2	%
Non-Interest Expense:
	Salaries and employee benefits			78,211				78,991				77,757				75,745				76,770				(1.0	)%		1.9	%				234,959				227,457				3.3	%
	Net occupancy			12,368				14,469				12,909				12,708				12,578				(14.5	)%		(1.7	)%				39,746				38,970				2.0	%
	Other outside services			12,163				11,259				8,352				8,944				9,122				8.0	%		33.3	%				31,774				24,814				28.0	%
	Data processing and software			11,590				11,268				10,353				10,203				10,157				2.9	%		14.1	%				33,211				31,083				6.8	%
	Equipment			3,459				3,299				3,342				3,275				3,000				4.8	%		15.3	%				10,100				9,968				1.3	%
	Professional fees			3,331				2,970				3,960				3,546				3,427				12.2	%		(2.8	)%				10,261				10,615				(3.3	)%
	Marketing			3,322				2,863				2,160				1,577				2,692				16.0	%		23.4	%				8,345				7,277				14.7	%
	Amortization of tax credit investments			1,533				1,492				1,491				6,538				1,637				2.7	%		(6.4	)%				4,516				4,911				(8.0	)%
	FDIC insurance			239				2,755				2,609				2,563				2,814				(91.3	)%		(91.5	)%				5,603				8,430				(33.5	)%
	Intangible amortization			1,071				107				107				—				—				N/M			100.0	%				1,285				—				100.0	%
	Other			19,483				14,695				14,784				15,586				13,216				32.6	%		47.4	%				48,962				41,894				16.9	%
	Total Non-Interest Expense			146,770				144,168				137,824				140,685				135,413				1.8	%		8.4	%				428,762				405,419				5.8	%
	Income Before Income Taxes			72,133				69,666				67,142				63,582				74,127				3.5	%		(2.7	)%				208,941				169,388				23.4	%
	Income tax expense			10,025				9,887				10,479				5,499				8,494				1.4	%		18.0	%				30,391				19,078				59.3	%
	Net Income			$	62,108			$	59,779			$	56,663			$	58,083			$	65,633			3.9	%		(5.4	)%				$	178,550			$	150,310			18.8	%
PER SHARE:
	Net income:
	Basic			$	0.38			$	0.36			$	0.33			$	0.33			$	0.37			5.6	%		2.7	%				$	1.06			$	0.86			23.3	%
	Diluted			0.37				0.35				0.33				0.33				0.37				5.7	%		—	%				1.06				0.85				24.7	%
	Cash dividends			0.13				0.13				0.13				0.16				0.12				—	%		8.3	%				$	0.39			$	0.36			8.3	%
	Weighted average shares (basic)			165,324				168,343				169,884				174,571				175,942				(1.8	)%		(6.0	)%				167,834				175,672				(4.5	)%
	Weighted average shares (diluted)			166,126				169,168				170,909				175,473				177,128				(1.8	)%		(6.2	)%				168,722				176,848				(4.6	)%
N/M - not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		September 30, 2019												June 30, 2019											September 30, 2018
		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	$	16,436,507			$	188,280			4.55%				$	16,316,076			$	190,693			4.69%			$	15,862,143			$	177,329			4.44%
	Taxable investment securities	2,282,292				15,565				2.73%				2,348,443				15,935				2.71%			2,239,837				13,956				2.49%
	Tax-exempt investment securities	516,907				4,650				3.57%				444,227				4,140				3.70%			415,908				3,841				3.67%
	Total Investment Securities	2,799,199				20,215				2.88%				2,792,670				20,075				2.87%			2,655,745				17,797				2.68%
	Loans held for sale	31,898				466				5.83%				24,568				350				5.71%			27,195				388				5.71%
	Other interest-earning assets	509,579				2,709				2.12%				409,617				2,168				2.12%			416,129				1,601				1.53%
	Total Interest-earning Assets	19,777,183				211,670				4.25%				19,542,931				213,286				4.37%			18,961,212				197,115				4.13%
Noninterest-earning assets:
	Cash and due from banks	120,967												116,285											100,568
	Premises and equipment	240,383												240,666											231,280
	Other assets	1,491,115												1,321,057											1,137,293
	Less: allowance for loan losses	(171,848		)										(163,909		)									(157,121		)
	Total Assets	$	21,457,800											$	21,057,030										$	20,273,232
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	4,448,112			$	9,163			0.82%				$	4,186,280			$	8,172			0.78%			$	4,116,051			$	6,378			0.61%
	Savings deposits	5,026,316				11,059				0.87%				4,925,788				10,549				0.86%			4,718,148				7,569				0.64%
	Brokered deposits	253,426				1,536				2.40%				246,154				1,582				2.58%			162,467				840				2.05%
	Time deposits	2,974,993				13,979				1.86%				2,816,424				12,247				1.74%			2,672,548				9,032				1.34%
	Total Interest-bearing Deposits	12,702,847				35,737				1.12%				12,174,646				32,550				1.07%			11,669,214				23,819				0.81%
	Short-term borrowings	919,697				4,156				1.78%				941,504				4,462				1.89%			724,132				2,002				1.09%
	FHLB advances and long-term debt	842,706				7,260				3.44%				1,051,919				8,480				3.23%			988,748				8,100				3.26%
	Total Interest-bearing Liabilities	14,465,250				47,153				1.29%				14,168,069				45,492				1.29%			13,382,094				33,921				1.01%
Noninterest-bearing liabilities:
	Demand deposits	4,247,820												4,200,810											4,298,020
	Other	429,145												386,893											324,025
	Total Liabilities	19,142,215												18,755,772											18,004,139
	Shareholders' equity	2,315,585												2,301,258											2,269,093
	Total Liabilities and Shareholders' Equity	$	21,457,800											$	21,057,030										$	20,273,232
	Net interest income/net interest margin (fully taxable equivalent)					164,517				3.31%								167,794				3.44%							163,194				3.42%
	Tax equivalent adjustment					(3,257		)										(3,250		)									(3,067		)
	Net interest income					$	161,260											$	164,544										$	160,127
	(1) Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
	Note: The weighted average interest rate on total average interest-bearing liabilities and average non-interest bearing demand deposits (“cost of funds”) was 1.00%, 0.99% and 0.76% for the three months ended September 30, 2019, June 30, 2019 and September 30, 2018, respectively.
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
		2019				2019				2019				2018				2018				2019			2018
Loans, by type:
	Real estate - commercial mortgage	$	6,489,456			$	6,424,213			$	6,378,145			$	6,343,024			$	6,309,663			1.0	%		2.8		%
	Commercial - industrial, financial and agricultural	4,414,992				4,440,860				4,462,609				4,329,937				4,304,320				(0.6	)%		2.6		%
	Real estate - residential mortgage	2,512,899				2,366,685				2,276,611				2,209,993				2,142,977				6.2	%		17.3		%
	Real estate - home equity	1,364,161				1,404,141				1,433,574				1,459,647				1,474,011				(2.8	)%		(7.5		)%
	Real estate - construction	905,060				943,080				930,246				931,724				969,575				(4.0	)%		(6.7		)%
	Consumer	457,524				445,666				424,480				406,436				375,656				2.7	%		21.8		%
	Leasing and other	292,415				291,431				288,710				284,876				285,941				0.3	%		2.3		%
	Total Loans, net of unearned income	$	16,436,507			$	16,316,076			$	16,194,375			$	15,965,637			$	15,862,143			0.7	%		3.6		%
Deposits, by type:
	Noninterest-bearing demand	$	4,247,820			$	4,200,810			$	4,222,875			$	4,321,776			$	4,298,020			1.1	%		(1.2		)%
	Interest-bearing demand	4,448,112				4,186,280				4,153,984				4,225,157				4,116,051				6.3	%		8.1		%
	Savings and money market accounts	5,026,316				4,925,788				4,912,856				4,979,712				4,718,148				2.0	%		6.5		%
	Total demand and savings	13,722,248				13,312,878				13,289,715				13,526,645				13,132,219				3.1	%		4.5		%
	Brokered deposits	253,426				246,154				220,115				164,280				162,467				3.0	%		56.0		%
	Time deposits	2,974,993				2,816,424				2,765,803				2,722,141				2,672,548				5.6	%		11.3		%
	Total Deposits	$	16,950,667			$	16,375,456			$	16,275,633			$	16,413,066			$	15,967,234			3.5	%		6.2		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	61,230			$	56,171			$	56,707			$	64,102			$	148,660			9.0	%		(58.8		)%
	Customer short-term promissory notes	271,663				288,696				312,092				310,296				298,896				(5.9	)%		(9.1		)%
	Federal funds purchased	101,022				181,769				157,122				43				145,793				(44.4	)%		(30.7		)%
	Short-term FHLB advances	485,782				414,868				294,133				130,109				130,783				17.1	%		N/M
	Total Short-term Borrowings	$	919,697			$	941,504			$	820,054			$	504,550			$	724,132			(2.3	)%		27.0		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
			Nine Months Ended September 30
			2019											2018
			Average											Average
			Balance				Interest (1)				Yield/Rate			Balance				Interest (1)				Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income		$	16,316,540			$	565,095			4.63	%		$	15,764,587			$	509,596			4.32	%
	Taxable investment securities		2,305,472				46,935				2.71	%		2,233,972				41,034				2.45	%
	Tax-exempt investment securities		468,689				12,940				3.66	%		412,496				11,307				3.64	%
	Equity securities		—				—				—	%		167				5				13.01	%
	Total Investment Securities		2,774,161				59,875				2.87	%		2,646,635				52,346				2.63	%
	Loans held for sale		24,357				1,056				5.78	%		23,175				888				5.11	%
	Other interest-earning assets		428,982				6,879				2.14	%		345,512				4,016				1.55	%
	Total Interest-earning Assets		$	19,544,040			632,905				4.33	%		$	18,779,909			566,846				4.03	%
Noninterest-earning assets:
	Cash and due from banks		116,019											102,352
	Premises and equipment		239,402											231,195
	Other assets		1,337,482											1,121,267
	Less: allowance for loan losses		(165,733		)									(162,368		)
	Total Assets		$	21,071,210										$	20,072,355
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits		$	4,263,869			$	24,854			0.78	%		$	4,009,596			$	15,341			0.51	%
	Savings deposits		4,955,403				31,570				0.85	%		4,584,377				17,481				0.51	%
	Brokered deposits		240,020				4,500				2.51	%		107,569				1,511				1.88	%
	Time deposits		2,853,172				37,050				1.74	%		2,660,008				25,220				1.27	%
	Total Interest-bearing Deposits		12,312,464				97,974				1.06	%		11,361,550				59,553				0.70	%
	Short-term borrowings		894,116				12,200				1.81	%		880,745				7,079				1.07	%
	FHLB advances and long-term debt		965,111				23,854				3.30	%		973,751				23,761				3.26	%
	Total Interest-bearing Liabilities		14,171,691				134,028				1.26	%		13,216,046				90,393				0.91	%
Noninterest-bearing liabilities:
	Demand deposits		4,223,927											4,275,443
	Other		381,427											333,832
	Total Liabilities		18,777,045											17,825,321
	Shareholders' equity		2,294,165											2,247,034
	Total Liabilities and Shareholders' Equity		$	21,071,210										$	20,072,355
	Net interest income/net interest margin (fully taxable equivalent)						498,877				3.41	%						476,453				3.39	%
	Tax equivalent adjustment						(9,758		)									(8,941		)
	Net interest income						$	489,119										$	467,512
(1) Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
Note: The weighted average interest rate on total average interest-bearing liabilities and average non-interest bearing demand deposits (“cost of funds”) was 0.97% and 0.69% for the nine months ended September 30, 2019 and 2018, respectively.
			Nine Months Ended
			September 30
			2019				2018				% Change
Loans, by type:
	Real estate - commercial mortgage		$	6,431,012			$	6,304,687			2.0	%
	Commercial - industrial, financial and agricultural		4,439,314				4,309,408				3.0	%
	Real estate - residential mortgage		2,386,264				2,043,223				16.8	%
	Real estate - home equity		1,400,371				1,505,069				(7.0	)%
	Real estate - construction		926,036				977,327				(5.2	)%
	Consumer		442,678				345,937				28.0	%
	Leasing and other		290,865				278,936				4.3	%
	Total Loans, net of unearned income		$	16,316,540			$	15,764,587			3.5	%
Deposits, by type:
	Noninterest-bearing demand		$	4,223,927			$	4,275,443			(1.2	)%
	Interest-bearing demand		4,263,869				4,009,596				6.3	%
	Savings and money market accounts		4,955,403				4,584,377				8.1	%
	Total demand and savings		13,443,199				12,869,416				4.5	%
	Brokered deposits		240,020				107,569				N/M
	Time deposits		2,853,172				2,660,008				7.3	%
	Total Deposits		$	16,536,391			$	15,636,993			5.8	%
Short-term borrowings, by type:
	Customer repurchase agreements		$	250,568			$	162,345			54.3	%
	Customer short-term promissory notes		290,669				307,854				(5.6	)%
	Federal funds purchased		146,432				307,114				(52.3	)%
	Short-term FHLB advances and other borrowings		206,447				103,432				99.6	%
	Total Short-term Borrowings		$	894,116			$	880,745			1.5	%
N/M - Not meaningful

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
		2019				2019				2019				2018				2018				2019				2018
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	176,941			$	170,372			$	169,410			$	167,826			$	169,247			$	169,410			$	176,084
	Loans charged off:
	Commercial - industrial, financial and agricultural	(7,181		)		(1,895		)		(2,787		)		(6,263		)		(3,541		)		(11,863		)		(46,178		)
	Real estate - commercial mortgage	(394		)		(230		)		(1,145		)		(762		)		(650		)		(1,769		)		(1,283		)
	Consumer and home equity	(1,375		)		(1,001		)		(902		)		(1,884		)		(1,415		)		(3,278		)		(4,243		)
	Real estate - residential mortgage	(533		)		(134		)		(655		)		(446		)		(483		)		(1,322		)		(1,128		)
	Real estate - construction	(45		)		(3		)		(95		)		(392		)		(212		)		(143		)		(976		)
	Leasing and other	(600		)		(448		)		(785		)		(889		)		(582		)		(1,833		)		(1,632		)
	Total loans charged off	(10,128		)		(3,711		)		(6,369		)		(10,636		)		(6,883		)		(20,208		)		(55,440		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	2,311				2,680				1,243				2,647				731				6,234				2,347
	Real estate - commercial mortgage	444				169				136				94				928				749				1,528
	Consumer and home equity	348				802				407				684				607				1,557				1,709
	Real estate - residential mortgage	440				211				132				100				317				783				520
	Real estate - construction	164				1,245				84				415				664				1,493				1,414
	Leasing and other	107				148				229				80				595				484				957
	Recoveries of loans previously charged off	3,814				5,255				2,231				4,020				3,842				11,300				8,475
Net loans recovered charged off		(6,314		)		1,544				(4,138		)		(6,616		)		(3,041		)		(8,908		)		(46,965		)
Provision for credit losses		2,170				5,025				5,100				8,200				1,620				12,295				38,707
Balance at end of period		$	172,797			$	176,941			$	170,372			$	169,410			$	167,826			$	172,797			$	167,826
Net charge-offs to average loans (annualized)		0.15		%		(0.04		)%		0.10		%		0.17		%		0.08		%		0.07		%		0.40		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	124,287			$	133,118			$	127,141			$	128,572			$	106,433
	Loans 90 days past due and accruing	11,689				14,598				11,540				11,106				13,663
	Total non-performing loans	135,976				147,716				138,681				139,678				120,096
	Other real estate owned	7,706				7,241				9,012				10,518				10,684
	Total non-performing assets	$	143,682			$	154,957			$	147,693			$	150,196			$	130,780
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	37,126			$	47,260			$	50,148			$	51,269			$	43,391
	Real estate - commercial mortgage	45,710				43,850				29,817				32,153				37,393
	Real estate - residential mortgage	20,150				21,659				22,299				19,101				19,076
	Consumer and home equity	11,012				12,378				10,770				10,178				10,362
	Real estate - construction	4,312				4,632				7,039				7,390				9,784
	Leasing	17,666				17,937				18,608				19,587				90
	Total non-performing loans	$	135,976			$	147,716			$	138,681			$	139,678			$	120,096

FULTON FINANCIAL CORPORATION
RECONCILIATION OF 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
							Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
							2019				2019				2019				2018				2018
Shareholders' equity (tangible), per share
Shareholders' equity							$	2,324,016			$	2,308,798			$	2,301,019			$	2,247,573			$	2,283,014
Less: Goodwill and intangible assets							(534,178		)		(535,249		)		(535,356		)		(531,556		)		(531,556		)
Tangible shareholders' equity (numerator)							$	1,789,838			$	1,773,549			$	1,765,663			$	1,716,017			$	1,751,458
Shares outstanding, end of period (denominator)							164,036				166,903				169,923				170,184				176,019
Shareholders' equity (tangible), per share							$	10.91			$	10.63			$	10.39			$	10.08			$	9.95
Return on average shareholders' equity (tangible)
Net income							$	62,108			$	59,779			$	56,663			$	58,083			$	65,633
Plus: Intangible amortization, net of tax							846				85				85				—				—
(Numerator)							$	62,954			$	59,864			$	56,748			$	58,083			$	65,633
Average shareholders' equity							$	2,315,585			$	2,301,258			$	2,265,097			$	2,281,669			$	2,269,093
Less: Average goodwill and intangible assets							(535,184		)		(535,301		)		(531,767		)		(531,556		)		(531,556		)
Average tangible shareholders' equity (denominator)							$	1,780,401			$	1,765,957			$	1,733,330			$	1,750,113			$	1,737,537
Return on average shareholders' equity (tangible), annualized							14.03		%		13.60		%		13.28		%		13.17		%		14.99		%
Tangible Common Equity to Tangible Assets (TCE Ratio)
Shareholders' equity							$	2,324,016			$	2,308,798			$	2,301,019			$	2,247,573			$	2,283,014
Less: Intangible assets							(534,178		)		(535,249		)		(535,356		)		(531,556		)		(531,556		)
Tangible shareholders' equity (numerator)							$	1,789,838			$	1,773,549			$	1,765,663			$	1,716,017			$	1,751,458
Total assets							$	21,703,618			$	21,308,670			$	20,974,649			$	20,682,152			$	20,364,810
Less: Intangible assets							(534,178		)		(535,249		)		(535,356		)		(531,556		)		(531,556		)
Total tangible assets (denominator)							$	21,169,440			$	20,773,421			$	20,439,293			$	20,150,596			$	19,833,254
Tangible Common Equity to Tangible Assets							8.45		%		8.54		%		8.64		%		8.52		%		8.83		%
Efficiency ratio
Non-interest expense							$	146,770			$	144,168			$	137,824			$	140,685			$	135,413
Less: Intangible amortization							(1,071		)		(107		)		(107		)		—				—
Less: Amortization on tax credit investments							(1,533		)		(1,492		)		(1,491		)		(6,538		)		(1,637		)
Less: Loss on redemption of FHLB advances							(4,326		)		—				—				—				—
Non-interest expense (numerator)							$	139,840			$	142,569			$	136,226			$	134,147			$	133,776
Net interest income (fully taxable equivalent)							$	164,517			$	167,794			$	166,564			$	166,123			$	163,194
Plus: Total Non-interest income							59,813				54,315				46,751				49,523				51,033
Less: Investment securities gains							(4,492		)		(176		)		(65		)		—				(14		)
Net interest income (denominator)							$	219,838			$	221,933			$	213,250			$	215,646			$	214,213
Efficiency ratio							63.6		%		64.2		%		63.9		%		62.2		%		62.5		%
Non-performing assets to tangible shareholders' equity and allowance for credit losses
Non-performing assets (numerator)							$	143,682			$	154,957			$	147,693			$	150,196			$	130,780
Tangible shareholders' equity							$	1,789,838			$	1,773,549			1,765,663				1,716,017				$	1,751,458
Plus: Allowance for credit losses							172,797				176,941				170,372				169,410				167,826
Tangible shareholders' equity and allowance for credit losses (denominator)							$	1,962,635			$	1,950,490			$	1,936,035			$	1,885,427			$	1,919,284
Non-performing assets to tangible shareholders' equity and allowance for credit losses							7.32		%		7.94		%		7.63		%		7.97		%		6.81		%

Pre-provision net revenue
Net interest income							$	161,260			$	164,544			$	163,315			$	162,944			$	160,127
Non-interest income							59,813				54,315				46,751				49,523				51,033
Less: Investment securities gains							(4,492		)		(176		)		(65		)		—				(14		)
Total revenue							$	216,581			$	218,683			$	210,001			$	212,467			$	211,146
Non-interest expense							$	146,770			$	144,168			$	137,824			$	140,685			$	135,413
Less: Loss on redemption of FHLB advances							(4,326		)		—				—				—				—
Less: Amortization on tax credit investments							(1,533		)		(1,492		)		(1,491		)		(6,538		)		(1,637		)
Less: Intangible amortization							(1,071		)		(107		)		(107		)		—				—
Total non-interest expense							$	139,840			$	142,569			$	136,226			$	134,147			$	133,776
Pre-provision net revenue							$	76,741			$	76,114			$	73,775			$	78,320			$	77,370