Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2011

Regulatory Matters [Abstract]

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.

	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount	Ratio
	(dollars in thousands)
As of December 31, 2011
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,933,278	15.2	%	$	1,018,865	8.0	%	N/A	N/A
Fulton Bank, N.A.	994,683		13.2		604,259		8.0		755,324	10.0	%
Fulton Bank of New Jersey	327,356		13.0		201,381		8.0		251,726	10.0
The Columbia Bank	219,432		15.5		113,478		8.0		141,848	10.0
Lafayette Ambassador Bank	143,113		13.0		88,408		8.0		110,510	10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,612,859	12.7	%	$	509,432	4.0	%	N/A	N/A
Fulton Bank, N.A	856,464		11.3		302,130		4.0		453,194	6.0	%
Fulton Bank of New Jersey	284,334		11.3		100,690		4.0		151,036	6.0
The Columbia Bank	201,564		14.2		56,739		4.0		85,109	6.0
Lafayette Ambassador Bank	125,951		11.4		44,204		4.0		66,306	6.0
Tier I Capital (to Average Assets):
Corporation	$	1,612,859	10.3	%	$	626,546	4.0	%	N/A	N/A
Fulton Bank, N.A	856,464		9.8		348,385		4.0		435,481	5.0	%
Fulton Bank of New Jersey	284,334		8.7		131,221		4.0		164,027	5.0
The Columbia Bank	201,564		10.6		75,918		4.0		94,897	5.0
Lafayette Ambassador Bank	125,951		8.9		56,634		4.0		70,793	5.0

	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount	Ratio
	(dollars in thousands)
As of December 31, 2010
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,814,972	14.2	%	$	1,019,610	8.0	%	N/A	N/A
Fulton Bank, N.A.	948,943		12.7		598,952		8.0		748,690	10.0	%
The Bank	210,381		13.4		125,643		8.0		157,054	10.0
The Columbia Bank	219,163		14.7		119,191		8.0		148,988	10.0
Skylands Community Bank	119,100		12.0		79,605		8.0		99,506	10.0
Lafayette Ambassador Bank	133,214		12.7		84,155		8.0		105,194	10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,473,123	11.6	%	$	509,805	4.0	%	N/A	N/A
Fulton Bank, N.A.	796,658		10.6		299,476		4.0		449,214	6.0	%
The Bank	180,780		11.5		62,822		4.0		94,233	6.0
The Columbia Bank	200,319		13.4		59,595		4.0		89,393	6.0
Skylands Community Bank	101,834		10.2		39,802		4.0		59,704	6.0
Lafayette Ambassador Bank	115,360		11.0		42,077		4.0		63,116	6.0
Tier I Capital (to Average Assets):
Corporation	$	1,473,123	9.4	%	$	628,611	4.0	%	N/A	N/A
Fulton Bank, N.A.	796,658		9.2		347,140		4.0		433,924	5.0	%
The Bank	180,780		8.8		82,348		4.0		102,935	5.0
The Columbia Bank	200,319		10.0		79,937		4.0		99,922	5.0
Skylands Community Bank	101,834		7.3		41,774		3.0		69,623	5.0
Lafayette Ambassador Bank	115,360		8.3		55,395		4.0		69,224	5.0

N/A – Not applicable as “well-capitalized” applies to banks only.

Dividend and Loan Limitations

The dividends that may be paid by subsidiary banks to the Parent Company are subject to certain legal and regulatory limitations. Dividend limitations vary, depending on the subsidiary bank’s charter and whether or not it is a member of the Federal Reserve System. Generally, subsidiaries are prohibited from paying dividends when doing so would cause them to fall below the regulatory minimum capital levels. Additionally, limits exist on paying dividends in excess of net income for specified periods. The total amount available for payment of dividends by subsidiary banks was approximately$278 millionas of December 31, 2011, based on the subsidiary banks maintaining enough capital to be considered well capitalized, as defined above.

Under current Federal Reserve regulations, the subsidiary banks are limited in the amount they may loan to their affiliates, including the Parent Company. Loans to a single affiliate may not exceed 10%, and the aggregate of loans to all affiliates may not exceed 20% of each bank subsidiary’s regulatory capital.