8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): October 20, 2015

Fulton Financial Corporation

(Exact name of Registrant as specified in its Charter)

Pennsylvania	0-10587	23-2195389
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)
One Penn Square Lancaster, Pennsylvania		17604
(Address of principal executive offices)		(Zip Code)

Registrant's telephone number, including area code: 717-291-2411

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

£  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

£  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

£  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

£  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 - Results of Operations and Financial Condition

On October 20, 2015, Fulton Financial Corporation (“Fulton”) issued a press release (the “Press Release”) announcing its results of operations for the third quarter ended September 30, 2015. A copy of the Press Release and supplementary financial information which accompanied the Press Release, are attached as Exhibits 99.1 and 99.2, respectively, to this Current Report and are incorporated herein by reference. Fulton also posted on its Investor Relations website, www.fult.com, presentation materials Fulton intends to use during a conference call and webcast to discuss those results on Wednesday, October 21, 2015 at 10:00 a.m. Eastern Time. A copy of the presentation materials is attached as Exhibit 99.3 to this Current Report and is incorporated herein by reference.    

Item 7.01 - Regulation FD Disclosure

Fulton also announced in the Press Release that, on October 20, 2015, its Board of Directors authorized the repurchase of up to $50 million of Fulton’s outstanding common stock through December 31, 2016 (the “Share Repurchase”). As of September 30, 2015, Fulton had approximately 174 million shares of common stock outstanding. Based on the closing price of Fulton's common stock on October 19, 2015, the Share Repurchase authorizes the repurchase of up to approximately 2.3% of Fulton's outstanding common stock.

As permitted by securities laws and other legal requirements and subject to market conditions and other factors, purchases pursuant to the Share Repurchase may be made from time to time in open market or privately negotiated transactions, including without limitation, through accelerated share repurchase transactions. The Share Repurchase may be discontinued at any time.

The information furnished pursuant to Item 2.02 and Item 7.01 of this Current Report on Form 8-K, including Exhibits 99.1, 99.2 and 99.3, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Fulton under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Forward-Looking Statements

This Current Report on Form 8-K, including the Exhibits hereto, may contain forward-looking statements with respect to Fulton’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as “may,” “should,” “will,” “could,” “estimates,” “predicts,” “potential,” “continue,” “anticipates,” “believes,” “plans,” “expects,” “future,” “intends” and similar expressions which are intended to identify forward-looking statements. Statements relating to the “outlook” or “outlook for 2015” contained in Exhibit 99.3 to this Current Report are forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond Fulton’s control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements.

A discussion of certain risks and uncertainties affecting Fulton, and some of the factors that could cause Fulton’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Fulton’s Annual Report on Form 10-K for the year ended December 31, 2014 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2015 and June 30, 2015, which have been filed with the Securities and Exchange Commission and are available in the Investors Relations section of Fulton’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). Fulton undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Item 9.01 Financial Statements And Exhibits

(d)Exhibits.

Exhibit No.	Description
99.1	Press Release dated October 20, 2015.
99.2	Supplementary financial information for the quarter ended September 30, 2015.
99.3	Presentation materials to be discussed during the conference call and webcast on October 21, 2015.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 20, 2015	FULTON FINANCIAL CORPORATION
	By: /s/ Patrick S. Barrett
	Patrick S. Barrett
	Senior Executive Vice President and
	Chief Financial Officer

EX-99.1

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura J. Wakeley (717) 291-2616

Investor Contact: David C. Hostetter (717) 291-2456

Fulton Financial reports third quarter earnings of $0.20 per share and announces approval for $50 million share repurchase program

• Diluted earnings per share for the third quarter of 2015 was 20 cents, compared to 21 cents in both the second quarter of 2015 and the third quarter of 2014.

• In July 2015, the Corporation redeemed $150.0 million of trust preferred securities. In connection with this redemption, a loss of $5.6 million was recognized as a component of non-interest expense. This loss reduced diluted earnings per share for the third quarter of 2015 by approximately 2 cents.

• Net interest income for the third quarter of 2015 increased $2.8 million, or 2.3 percent, compared to the second quarter of 2015 and decreased $3.7 million, or 2.8 percent, compared to the third quarter of 2014. The net interest margin of 3.18 percent decreased two basis points compared to the second quarter of 2015, and was down 21 basis points compared to the third quarter of 2014.

• Ending loans increased $292.1 million, or 2.2 percent, compared to the second quarter of 2015 and $506.0 million, or 3.9 percent, compared to the third quarter of 2014, while average loans increased 1.3 percent and 3.5 percent, compared to the second quarter of 2015 and the third quarter of 2014, respectively.

• Ending deposits increased $578.7 million, or 4.3 percent, compared to the second quarter of 2015 and $750.8 million, or 5.6 percent, compared to the third quarter of 2014, while average deposits increased 3.1 percent and 6.6 percent, compared to the second quarter of 2015 and the third quarter of 2014, respectively.

• The provision for credit losses in the third quarter of 2015 was $1.0 million, compared to a $2.2 million provision in the second quarter of 2015 and a $3.5 million provision in the third quarter of 2014.

• Non-interest income, excluding investment securities gains, decreased $1.0 million, or 2.3 percent, in comparison to the second quarter of 2015, and increased $1.2 million, or 2.9 percent, in comparison to the third quarter of 2014.

• Non-interest expense, excluding the loss on redemption of trust preferred securities, increased $909,000, or 0.8 percent, compared to the second quarter of 2015 and increased $3.5 million, or 3.0 percent, compared to the third quarter of 2014.

• In October 2015, the Corporation’s Board of Directors approved the repurchase of up to $50 million of the Corporation’s common stock, or approximately 2.3 percent of outstanding shares. In addition, during the third quarter of 2015, the Corporation completed the $50 million share repurchase program announced in April 2015. A total of approximately 4.0 million shares were repurchased under that program at an average cost of $12.57 per share.

(October 20, 2015) - Lancaster, PA - Fulton Financial Corporation (NASDAQ: FULT) reported net income of $34.3 million, or 20 cents per diluted share, for the third quarter of 2015, compared to $36.7 million, or 21 cents per diluted share, for the second quarter of 2015.

“We had a good third quarter with strong loan and related net interest income growth. At the same time, we saw further improvement across all of our asset quality metrics,” said E. Philip Wenger, Chairman, President and CEO. “During the quarter, we completed the $50 million share repurchase program announced in April of 2015. Today, our Board of Directors approved an additional $50 million share repurchase program.”

Net Interest Income and Margin

Net interest income for the third quarter of 2015 increased $2.8 million, or 2.3 percent, from the second quarter of 2015. Net interest margin decreased two basis points, or 0.6 percent, to 3.18 percent in the third quarter of 2015 from 3.20 percent in the second quarter of 2015. Average yields on interest-earning assets decreased six basis points, while the average cost of interest-bearing liabilities decreased five basis points during the third quarter of 2015 in comparison to the second quarter of 2015.

Average Balance Sheet

Total average assets for the third quarter of 2015 were $17.5 billion, an increase of $324.3 million from the second quarter of 2015. Average loans, net of unearned income, increased $177.3 million, or 1.3 percent, in comparison to the second quarter of 2015. Average loans and yields, by type, for the third quarter of 2015 in comparison to the second quarter of 2015, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	September 30, 2015				June 30, 2015				in Balance
	Balance		Yield (1)		Balance		Yield (1)		$			%
	(dollars in thousands)
Average Loans, net of unearned income, by type:
Real estate - commercial mortgage	$	5,242,021	4.09	%	$	5,210,540	4.15	%	$	31,481		0.6	%
Commercial - industrial, financial, and agricultural	3,887,161		3.78	%	3,836,397		3.79	%	50,764			1.3	%
Real estate - home equity	1,692,860		4.08	%	1,695,171		4.11	%	(2,311		)	(0.1	)%
Real estate - residential mortgage	1,381,141		3.78	%	1,356,464		3.82	%	24,677			1.8	%
Real estate - construction	753,584		3.88	%	698,685		3.97	%	54,899			7.9	%
Consumer	270,391		5.81	%	265,354		5.48	%	5,037			1.9	%
Leasing and other	142,716		6.79	%	129,989		6.94	%	12,727			9.8	%
Total Average Loans, net of unearned income	$	13,369,874	4.02	%	$	13,192,600	4.05	%	$	177,274		1.3	%
(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.

Total average liabilities increased $333.3 million, or 2.2 percent, from the second quarter of 2015, including a $415.1 million, or 3.1 percent, increase in average deposits.Average deposits and interest rates, by type, for the third quarter of 2015 in comparison to the second quarter of 2015, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	September 30, 2015				June 30, 2015				in Balance
	Balance		Rate		Balance		Rate		$			%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	3,904,176	—	%	$	3,734,880	—	%	$	169,296		4.5	%
Interest-bearing demand	3,316,532		0.13	%	3,152,697		0.13	%	163,835			5.2	%
Savings deposits	3,714,282		0.15	%	3,568,579		0.14	%	145,703			4.1	%
Total average demand and savings	10,934,990		0.09	%	10,456,156		0.09	%	478,834			4.6	%
Time deposits	2,963,774		1.03	%	3,027,520		1.04	%	(63,746		)	(2.1	)%
Total Average Deposits	$	13,898,764	0.29	%	$	13,483,676	0.30	%	$	415,088		3.1	%

Asset Quality

Non-performing assets were $155.6 million, or 0.87 percent of total assets, at September 30, 2015, compared to $162.3 million, or 0.93 percent of total assets, at June 30, 2015 and $157.3 million, or 0.91 percent of total assets, at September 30, 2014.

Annualized net charge-offs for the quarter ended September 30, 2015 were 0.03 percent of total average loans, compared to 0.38 percent for the quarter ended June 30, 2015 and 0.18 percent for the quarter ended September 30, 2014. The allowance for credit losses as a percentage of non-performing loans was 116.8 percent at September 30, 2015, as compared to 113.3 percent at June 30, 2015 and 132.9 percent at September 30, 2014.

During the third quarter of 2015, the Corporation recorded a $1.0 million provision for credits losses, compared to a $2.2 million provision for credit losses in the second quarter of 2015.

Non-interest Income

Non-interest income, excluding investment securities gains, decreased $1.0 million, or 2.3 percent, in comparison to the second quarter of 2015. Mortgage banking income decreased $1.5 million, or 27.6 percent, due to decreases in both origination volumes and spreads on new loan commitments.

Gains on sales of investment securities decreased $685,000 in comparison to the second quarter of 2015. Gains in the third quarter of 2015 were primarily realized gains on sales of equity securities.

Non-interest Expense

Non-interest expense increased $6.5 million, or 5.5 percent, in the third quarter of 2015, compared to the second quarter of 2015. In the third quarter of 2015, the Corporation incurred a $5.6 million loss on the redemption of trust preferred securities. Excluding this loss, non-interest expense increased $909,000, or 0.8 percent in the third quarter, compared to the second quarter 2015. A number of other expense categories increased during the third quarter of 2015, most notably, other real estate owned and repossession expense, software and operating risk loss. Partially offsetting these increases were decreases in occupancy and other outside services expenses.

During the first nine months of 2015, the Corporation implemented several cost savings initiatives, including the consolidation of eleven branches, the modification of certain retirement benefits and the elimination of certain positions. Annualized expense reductions from these cost savings initiatives are expected to be approximately $6.5 million. Implementation expenses associated with these initiatives were approximately $2.1 million for the nine months ended September 30, 2015, recognized primarily in the first and second quarters of 2015.

Share Repurchase Program

As previously noted, the Corporation’s board of directors today approved the repurchase of up to $50 million of shares of the Corporation’s common stock, or approximately 2.3 percent of the Corporation’s outstanding shares, based on the closing price of the Corporation’s common stock on October 19, 2015. This approval expires on December 31, 2016. As of September 30, 2015, the Corporation had approximately 174 million shares of common stock outstanding.

As permitted by securities laws and other legal requirements and subject to market conditions and other factors, purchases may be made from time to time in open market or privately

negotiated transactions, including without limitation, through accelerated share repurchase transactions. The repurchase program may be discontinued at any time.

About Fulton Financial

Fulton Financial Corporation is a Lancaster, Pennsylvania-based financial holding company that has banking offices in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through the following affiliates, headquartered as indicated: Fulton Bank, N.A., Lancaster, PA; Swineford National Bank, Middleburg, PA; Lafayette Ambassador Bank, Bethlehem, PA; FNB Bank, N.A., Danville, PA; Fulton Bank of New Jersey, Mt. Laurel, NJ; and The Columbia Bank, Columbia, MD.

The Corporation’s investment management and trust services are offered at all banks through Fulton Financial Advisors, a division of Fulton Bank, N.A. Residential mortgage lending is offered by all banks under the Fulton Mortgage Company brand.

Additional information on Fulton Financial Corporation is available on the Internet at www.fult.com.

Safe Harbor Statement

This news release may contain forward-looking statements with respect to the Corporation’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future," "intends" and similar expressions which are intended to identify forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond the Corporation's control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements.

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2014 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2015 and June 30, 2015, which have been filed with the Securities and Exchange Commission and are available in the Investor Relations section of the Corporation's website (www.fult.com) and on the Securities and Exchange Commission's website (www.sec.gov). The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. 

Non-GAAP Financial Measures

The Corporation uses certain non-GAAP financial measures in this earnings release. These non-GAAP financial measures are reconciled to the most comparable GAAP measures in tables at the end of this release.

EX-99.2

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
											% Change from
		September 30			September 30			June 30			September 30		June 30
		2015			2014			2015			2014		2015
ASSETS
	Cash and due from banks	$	93,803		$	220,946		$	100,455		(57.5	)%	(6.6	)%
	Other interest-earning assets	579,920			377,579			387,324			53.6	%	49.7	%
	Loans held for sale	26,937			25,212			33,980			6.8	%	(20.7	)%
	Investment securities	2,436,337			2,470,609			2,440,492			(1.4	)%	(0.2	)%
	Loans, net of unearned income	13,536,361			13,030,405			13,244,230			3.9	%	2.2	%
	Allowance for loan losses	(167,136		)	(189,477		)	(167,485		)	(11.8	)%	(0.2	)%
	Net loans	13,369,225			12,840,928			13,076,745			4.1	%	2.2	%
	Premises and equipment	225,705			224,441			226,794			0.6	%	(0.5	)%
	Accrued interest receivable	42,846			43,544			41,193			(1.6	)%	4.0	%
	Goodwill and intangible assets	531,562			532,117			531,567			(0.1	)%	—	%
	Other assets	531,724			502,798			526,923			5.8	%	0.9	%
	Total Assets	$	17,838,059		$	17,238,174		$	17,365,473		3.5	%	2.7	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	14,084,394		$	13,333,627		$	13,505,709		5.6	%	4.3	%
	Short-term borrowings	431,631			564,952			409,035			(23.6	)%	5.5	%
	Other liabilities	316,697			243,300			293,271			30.2	%	8.0	%
	FHLB advances and long-term debt	979,433			1,018,289			1,132,641			(3.8	)%	(13.5	)%
	Total Liabilities	15,812,155			15,160,168			15,340,656			4.3	%	3.1	%
	Shareholders' equity	2,025,904			2,078,006			2,024,817			(2.5	)%	0.1	%
	Total Liabilities and Shareholders' Equity	$	17,838,059		$	17,238,174		$	17,365,473		3.5	%	2.7	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	5,339,928		$	5,156,979		$	5,237,800		3.5	%	1.9	%
	Commercial - industrial, financial and agricultural	3,929,908			3,691,262			3,806,699			6.5	%	3.2	%
	Real estate - home equity	1,693,649			1,733,036			1,689,688			(2.3	)%	0.2	%
	Real estate - residential mortgage	1,382,085			1,372,033			1,369,103			0.7	%	0.9	%
	Real estate - construction	769,565			687,728			731,925			11.9	%	5.1	%
	Consumer	271,696			278,219			272,494			(2.3	)%	(0.3	)%
	Leasing and other	149,530			111,148			136,521			34.5	%	9.5	%
	Total Loans, net of unearned income	$	13,536,361		$	13,030,405		$	13,244,230		3.9	%	2.2	%
Deposits, by type:
	Noninterest-bearing demand	$	3,906,228		$	3,556,810		$	3,805,165		9.8	%	2.7	%
	Interest-bearing demand	3,362,336			3,164,514			3,129,903			6.3	%	7.4	%
	Savings deposits	3,880,103			3,620,919			3,566,888			7.2	%	8.8	%
	Time deposits	2,935,727			2,991,384			3,003,753			(1.9	)%	(2.3	)%
	Total Deposits	$	14,084,394		$	13,333,627		$	13,505,709		5.6	%	4.3	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	145,225		$	195,121		$	169,918		(25.6	)%	(14.5	)%
	Customer short-term promissory notes	80,879			78,225			74,059			3.4	%	9.2	%
	Short-term FHLB advances	200,000			285,000			160,000			(29.8	)%	25.0	%
	Federal funds purchased	5,527			6,606			5,058			(16.3	)%	9.3	%
	Total Short-term Borrowings	$	431,631		$	564,952		$	409,035		(23.6	)%	5.5	%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
in thousands, except per-share data and percentages
		Three Months Ended									% Change from				Nine Months Ended
		Sep 30			Sep 30			Jun 30			Sep 30		Jun 30		Sep 30
		2015			2014			2015			2014		2015		2015			2014			% Change
Interest Income:
	Interest income	$	146,228		$	149,790		$	144,229		(2.4	)%	1.4	%	$	436,229		$	446,484		(2.3	)%
	Interest expense	20,534			20,424			21,309			0.5	%	(3.6	)%	64,034			59,655			7.3	%
	Net Interest Income	125,694			129,366			122,920			(2.8	)%	2.3	%	372,195			386,829			(3.8	)%
	Provision for credit losses	1,000			3,500			2,200			(71.4	)%	(54.5	)%	(500		)	9,500			N/M
	Net Interest Income after Provision	124,694			125,866			120,720			(0.9	)%	3.3	%	372,695			377,329			(1.2	)%
Non-Interest Income:
	Service charges on deposit accounts	12,982			12,801			12,637			1.4	%	2.7	%	37,188			37,064			0.3	%
	Investment management and trust services	11,237			11,120			11,011			1.1	%	2.1	%	33,137			33,417			(0.8	)%
	Other service charges and fees	10,965			9,954			10,988			10.2	%	(0.2	)%	31,316			29,407			6.5	%
	Mortgage banking income	3,864			4,038			5,339			(4.3	)%	(27.6	)%	13,891			13,384			3.8	%
	Investment securities gains	1,730			81			2,415			N/M		(28.4	)%	8,290			1,193			594.9	%
	Other	3,996			3,906			4,099			2.3	%	(2.5	)%	12,178			10,813			12.6	%
	Total Non-Interest Income	44,774			41,900			46,489			6.9	%	(3.7	)%	136,000			125,278			8.6	%
Non-Interest Expense:
	Salaries and employee benefits	65,308			62,434			65,067			4.6	%	0.4	%	195,365			185,623			5.2	%
	Net occupancy expense	10,710			11,582			11,809			(7.5	)%	(9.3	)%	36,211			36,649			(1.2	)%
	Other outside services	7,373			8,632			8,125			(14.6	)%	(9.3	)%	21,248			19,684			7.9	%
	Loss on redemption of trust preferred securities	5,626			—			—			N/M		N/M		5,626			—			N/M
	Data processing	5,105			4,689			4,894			8.9	%	4.3	%	14,767			12,816			15.2	%
	Software	3,984			3,353			3,376			18.8	%	18.0	%	10,678			9,487			12.6	%
	Equipment expense	3,595			3,307			3,335			8.7	%	7.8	%	10,888			10,269			6.0	%
	FDIC insurance expense	2,867			2,882			2,885			(0.5	)%	(0.6	)%	8,574			8,186			4.7	%
	Professional fees	2,828			3,252			2,731			(13.0	)%	3.6	%	8,430			9,715			(13.2	)%
	Marketing	2,102			1,798			2,235			16.9	%	(6.0	)%	5,570			5,719			(2.6	)%
	Operating risk loss	1,136			1,242			674			(8.5	)%	68.5	%	2,637			3,786			(30.3	)%
	Other real estate owned and repossession expense	1,016			1,303			129			(22.0	)%	687.6	%	2,507			3,034			(17.4	)%
	Intangible amortization	5			314			106			(98.4	)%	(95.3	)%	241			944			(74.5	)%
	Other	13,234			11,010			12,988			20.2	%	1.9	%	38,979			35,614			9.4	%
	Total Non-Interest Expense	124,889			115,798			118,354			7.9	%	5.5	%	361,721			341,526			5.9	%
	Income Before Income Taxes	44,579			51,968			48,855			(14.2	)%	(8.8	)%	146,974			161,081			(8.8	)%
	Income tax expense	10,328			13,402			12,175			(22.9	)%	(15.2	)%	36,007			41,136			(12.5	)%
	Net Income	$	34,251		$	38,566		$	36,680		(11.2	)%	(6.6	)%	$	110,967		$	119,945		(7.5	)%
PER SHARE:
	Net income:
	Basic	$	0.20		$	0.21		$	0.21		(4.8	)%	(4.8	)%	$	0.63		$	0.64		(1.6	)%
	Diluted	0.20			0.21			0.21			(4.8	)%	(4.8	)%	0.63			0.64			(1.6	)%
	Cash dividends	$	0.09		$	0.08		$	0.09		12.5	%	—	%	$	0.27		$	0.24		12.5	%
	Shareholders' equity	11.66			11.22			11.50			3.9	%	1.4	%	11.66			11.22			3.9	%
	Shareholders' equity (tangible)	8.60			8.35			8.48			3.0	%	1.4	%	8.60			8.35			3.0	%
	Weighted average shares (basic)	174,338			186,109			176,433			(6.3	)%	(1.2	)%	176,399			187,893			(6.1	)%
	Weighted average shares (diluted)	175,342			186,955			177,531			(6.2	)%	(1.2	)%	177,428			188,863			(6.1	)%
	Shares outstanding, end of period	173,771			185,158			176,019			(6.1	)%	(1.3	)%	173,771			185,158			(6.1	)%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.78		%	0.90		%	0.86		%					0.86		%	0.95		%
	Return on average shareholders' equity	6.72		%	7.32		%	7.24		%					7.33		%	7.72		%
	Return on average shareholders' equity (tangible)	9.11		%	9.88		%	9.83		%					9.96		%	10.43		%
	Net interest margin	3.18		%	3.39		%	3.20		%					3.22		%	3.42		%
	Efficiency ratio	68.82		%	65.80		%	68.94		%					69.30		%	65.02		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		September 30, 2015								September 30, 2014							June 30, 2015
		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	$	13,369,874		$	135,268		4.02%		$	12,922,821		$	136,773		4.20%	$	13,192,600		$	133,339		4.05%
	Taxable investment securities	2,148,403			11,252			2.09%		2,181,099			12,278			2.25%	2,048,558			10,944			2.14%
	Tax-exempt investment securities	230,178			2,929			5.09%		256,303			3,414			5.33%	216,355			2,894			5.35%
	Equity securities	18,280			257			5.58%		34,002			438			5.12%	27,618			379			5.50%
	Total Investment Securities	2,396,861			14,438			2.41%		2,471,404			16,130			2.61%	2,292,531			14,217			2.48%
	Loans held for sale	20,704			194			3.74%		23,699			237			4.01%	26,335			265			4.03%
	Other interest-earning assets	477,145			884			0.74%		293,286			976			1.33%	439,425			933			0.85%
	Total Interest-earning Assets	16,264,584			150,784			3.68%		15,711,210			154,116			3.90%	15,950,891			148,754			3.74%
Noninterest-earning assets:
	Cash and due from banks	104,622								203,134							104,723
	Premises and equipment	226,446								224,241							226,569
	Other assets	1,097,600								1,055,521							1,094,071
	Less: allowance for loan losses	(168,770		)						(192,163		)					(176,085		)
	Total Assets	$	17,524,482							$	17,001,943						$	17,200,169
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,316,532		$	1,122		0.13%		$	3,047,191		$	953		0.12%	$	3,152,697		$	987		0.13%
	Savings deposits	3,714,282			1,436			0.15%		3,468,958			1,061			0.12%	3,568,579			1,247			0.14%
	Time deposits	2,963,774			7,659			1.03%		3,009,225			6,984			0.92%	3,027,520			7,819			1.04%
	Total Interest-bearing Deposits	9,994,588			10,217			0.41%		9,525,374			8,998			0.37%	9,748,796			10,053			0.41%
	Short-term borrowings	324,685			92			0.11%		667,397			297			0.18%	379,988			103			0.11%
	FHLB advances and long-term debt	996,247			10,225			4.09%		995,486			11,129			4.45%	1,026,987			11,153			4.35%
	Total Interest-bearing Liabilities	11,315,520			20,534			0.72%		11,188,257			20,424			0.73%	11,155,771			21,309			0.77%
Noninterest-bearing liabilities:
	Demand deposits	3,904,176								3,514,033							3,734,880
	Other	281,957								210,194							277,730
	Total Liabilities	15,501,653								14,912,484							15,168,381
	Shareholders' equity	2,022,829								2,089,459							2,031,788
	Total Liabilities and Shareholders' Equity	$	17,524,482							$	17,001,943						$	17,200,169
	Net interest income/net interest margin (fully taxable equivalent)				130,250			3.18%					133,692			3.39%				127,445			3.20%
	Tax equivalent adjustment				(4,556		)						(4,326		)					(4,525		)
	Net interest income				$	125,694							$	129,366						$	122,920
	(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:
		Three Months Ended								% Change from
		September 30			September 30			June 30		September 30			June 30
		2015			2014			2015		2014			2015
Loans, by type:
	Real estate - commercial mortgage	$	5,242,021		$	5,114,221		$	5,210,540	2.5		%	0.6		%
	Commercial - industrial, financial and agricultural	3,887,161			3,657,047			3,836,397		6.3		%	1.3		%
	Real estate - home equity	1,692,860			1,727,253			1,695,171		(2.0		)%	(0.1		)%
	Real estate - residential mortgage	1,381,141			1,369,087			1,356,464		0.9		%	1.8		%
	Real estate - construction	753,584			663,922			698,685		13.5		%	7.9		%
	Consumer	270,391			284,630			265,354		(5.0		)%	1.9		%
	Leasing and other	142,716			106,661			129,989		33.8		%	9.8		%
	Total Loans, net of unearned income	$	13,369,874		$	12,922,821		$	13,192,600	3.5		%	1.3		%
Deposits, by type:
	Noninterest-bearing demand	$	3,904,176		$	3,514,033		$	3,734,880	11.1		%	4.5		%
	Interest-bearing demand	3,316,532			3,047,191			3,152,697		8.8		%	5.2		%
	Savings deposits	3,714,282			3,468,958			3,568,579		7.1		%	4.1		%
	Time deposits	2,963,774			3,009,225			3,027,520		(1.5		)%	(2.1		)%
	Total Deposits	$	13,898,764		$	13,039,407		$	13,483,676	6.6		%	3.1		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	149,415		$	202,809		$	179,804	(26.3		)%	(16.9		)%
	Customer short-term promissory notes	79,308			83,734			80,073		(5.3		)%	(1.0		)%
	Federal funds purchased	85,092			224,930			108,078		(62.2		)%	(21.3		)%
	Short-term FHLB advances and other borrowings	10,870			155,924			12,033		(93.0		)%	(9.7		)%
	Total Short-term Borrowings	$	324,685		$	667,397		$	379,988	(51.4		)%	(14.6		)%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Nine Months Ended September 30
		2015								2014
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	13,220,339		$	401,662		4.06	%	$	12,827,563		$	405,904		4.23	%
	Taxable investment securities	2,068,025			33,478			2.16	%	2,216,344			37,962			2.28	%
	Tax-exempt investment securities	225,209			9,035			5.35	%	268,604			10,561			5.24	%
	Equity securities	25,985			1,086			5.59	%	33,949			1,286			5.06	%
	Total Investment Securities	2,319,219			43,599			2.51	%	2,518,897			49,809			2.64	%
	Loans held for sale	21,360			632			3.94	%	18,259			585			4.27	%
	Other interest-earning assets	463,545			3,922			1.13	%	263,797			3,065			1.55	%
	Total Interest-earning Assets	16,024,463			449,815			3.75	%	15,628,516			459,363			3.93	%
Noninterest-earning assets:
	Cash and due from banks	104,870								200,368
	Premises and equipment	226,469								225,033
	Other assets	1,101,856								1,041,834
	Less: allowance for loan losses	(176,205		)						(197,235		)
	Total Assets	$	17,281,453							$	16,898,516
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,202,380		$	3,092		0.13	%	$	2,969,470		$	2,766		0.12	%
	Savings deposits	3,600,695			3,802			0.14	%	3,392,681			3,127			0.12	%
	Time deposits	3,017,271			23,199			1.03	%	2,984,861			19,686			0.88	%
	Total Interest-bearing Deposits	9,820,346			30,093			0.41	%	9,347,012			25,579			0.37	%
	Short-term borrowings	338,019			272			0.11	%	972,694			1,470			0.20	%
	FHLB advances and long-term debt	1,048,634			33,669			4.29	%	924,920			32,606			4.71	%
	Total Interest-bearing Liabilities	11,206,999			64,034			0.76	%	11,244,626			59,655			0.71	%
Noninterest-bearing liabilities:
	Demand deposits	3,767,919								3,360,876
	Other	282,983								214,826
	Total Liabilities	15,257,901								14,820,328
	Shareholders' equity	2,023,552								2,078,188
	Total Liabilities and Shareholders' Equity	$	17,281,453							$	16,898,516
	Net interest income/net interest margin (fully taxable equivalent)				385,781			3.22	%				399,708			3.42	%
	Tax equivalent adjustment				(13,586		)						(12,879		)
	Net interest income				$	372,195							$	386,829
(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
		2015			2014			% Change
Loans, by type:
	Real estate - commercial mortgage	$	5,205,755		$	5,112,735		1.8	%
	Commercial - industrial, financial and agricultural	3,831,678			3,637,440			5.3	%
	Real estate - home equity	1,703,006			1,739,352			(2.1	)%
	Real estate - residential mortgage	1,369,367			1,348,269			1.6	%
	Real estate - construction	713,893			609,803			17.1	%
	Consumer	265,002			278,697			(4.9	)%
	Leasing and other	131,638			101,267			30.0	%
	Total Loans, net of unearned income	$	13,220,339		$	12,827,563		3.1	%
Deposits, by type:
	Noninterest-bearing demand	$	3,767,919		$	3,360,876		12.1	%
	Interest-bearing demand	3,202,380			2,969,470			7.8	%
	Savings deposits	3,600,695			3,392,681			6.1	%
	Time deposits	3,017,271			2,984,861			1.1	%
	Total Deposits	$	13,588,265		$	12,707,888		6.9	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	167,526		$	202,184		(17.1	)%
	Customer short-term promissory notes	81,854			89,119			(8.2	)%
	Federal funds purchased	72,961			361,162			(79.8	)%
	Short-term FHLB advances and other borrowings	15,678			320,229			(95.1	)%
	Total Short-term Borrowings	$	338,019		$	972,694		(65.2	)%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended									Nine Months Ended
		Sep 30			Sep 30			Jun 30			Sep 30			Sep 30
		2015			2014			2015			2015			2014
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	169,453		$	193,442		$	179,658		$	185.931		$	204.917
	Loans charged off:
	Commercial - industrial, financial and agricultural	(1,640		)	(5,167		)	(11,166		)	(14,669		)	(15,804		)
	Consumer and home equity	(1,590		)	(2,030		)	(1,227		)	(4,365		)	(6,115		)
	Real estate - residential mortgage	(1,035		)	(231		)	(783		)	(3,099		)	(2,166		)
	Real estate - commercial mortgage	(660		)	(1,557		)	(1,642		)	(3,011		)	(5,084		)
	Real estate - construction	(114		)	(313		)	(87		)	(201		)	(745		)
	Leasing and other	(522		)	(306		)	(467		)	(1,352		)	(1,434		)
	Total loans charged off	(5,561		)	(9,604		)	(15,372		)	(26,697		)	(31,348		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	1,598			1,013			1,471			3,855			2,532
	Consumer and home equity	618			784			557			1,667			1,928
	Real estate - residential mortgage	201			95			187			547			319
	Real estate - commercial mortgage	842			1,167			451			1,729			1,641
	Real estate - construction	898			470			231			2,276			852
	Leasing and other	346			241			70			587			767
	Recoveries of loans previously charged off	4,503			3,770			2,967			10,661			8,039
Net loans charged off		(1,058		)	(5,834		)	(12,405		)	(16,036		)	(23,309		)
Provision for credit losses		1,000			3,500			2,200			(500		)	9,500
Balance at end of period		$	169,395		$	191,108		$	169,453		$169,395			$	191,108
Net charge-offs to average loans (annualized)		0.03		%	0.18		%	0.38		%	0.16		%	0.24		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	132,154		$	126,420		$	129,152
	Loans 90 days past due and accruing	12,867			17,428			20,353
	Total non-performing loans	145,021			143,848			149,505
	Other real estate owned	10,561			13,489			12,763
	Total non-performing assets	$	155,582		$	157,337		$	162,268
NON-PERFORMING LOANS, BY TYPE:
	Real estate - commercial mortgage	$	49,021		$	44,602		$	49,932
	Commercial - industrial, financial and agricultural	38,032			33,277			35,839
	Real estate - residential mortgage	27,707			28,135			31,562
	Consumer and home equity	15,186			17,586			17,215
	Real estate - construction	14,989			19,860			14,884
	Leasing	86			388			73
	Total non-performing loans	$	145,021		$	143,848		$	149,505
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	29,330		$	30,850		$	31,584
	Real-estate - commercial mortgage	17,282			18,869			17,482
	Commercial - industrial, financial and agricultural	7,399			5,115			6,591
	Real estate - construction	4,363			9,251			4,482
	Consumer and home equity	3,983			2,927			3,330
	Total accruing TDRs	$	62,357		$	67,012		$	63,469
	Non-accrual TDRs (1)	27,618			27,724			27,230
	Total TDRs	$	89,975		$	94,736		$	90,699
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:
		September 30, 2015						September 30, 2014						June 30, 2015
		31-89 Days		≥90 Days (2)		Total		31-89 Days		≥90 Days (2)		Total		31-89 Days		≥90 Days (2)		Total
	Real estate - commercial mortgage	0.16	%	0.92	%	1.08	%	0.48	%	0.86	%	1.34	%	0.34	%	0.96	%	1.30	%
	Commercial - industrial, financial and agricultural	0.35	%	0.97	%	1.32	%	0.28	%	0.91	%	1.19	%	0.22	%	0.94	%	1.16	%
	Real estate - construction	0.30	%	1.95	%	2.25	%	0.03	%	2.89	%	2.92	%	0.02	%	2.03	%	2.05	%
	Real estate - residential mortgage	1.27	%	2.00	%	3.27	%	1.81	%	2.06	%	3.87	%	1.53	%	2.30	%	3.83	%
	Consumer, home equity, leasing and other	0.69	%	0.72	%	1.41	%	0.74	%	0.85	%	1.59	%	0.69	%	0.83	%	1.52	%
	Total	0.42	%	1.07	%	1.49	%	0.58	%	1.11	%	1.69	%	0.47	%	1.13	%	1.60	%
(2) Includes non-accrual loans
ASSET QUALITY RATIOS:
		Sep 30		Sep 30		Jun 30
		2015		2014		2015
	Non-accrual loans to total loans	0.98	%	0.97	%	0.98	%
	Non-performing assets to total loans and OREO	1.15	%	1.21	%	1.22	%
	Non-performing assets to total assets	0.87	%	0.91	%	0.93	%
	Allowance for credit losses to loans outstanding	1.25	%	1.47	%	1.28	%
	Allowance for credit losses to non-performing loans	116.81	%	132.85	%	113.34	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	9.35	%	9.06	%	9.76	%

FULTON FINANCIAL CORPORATION
RECONCILIATION OF GAAP TO 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									Nine Months Ended
		September 30			September 30			June 30			Sep 30			Sep 30
		2015			2014			2015			2015			2014
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,025,904		$	2,078,006		$	2,024,817
Less: Goodwill and intangible assets		(531,562		)	(532,117		)	(531,567		)
Tangible shareholders' equity (numerator)		$	1,494,342		$	1,545,889		$	1,493,250
Shares outstanding, end of period (denominator)		173,771			185,158			176,019
Shareholders' equity (tangible), per share		$	8.60		$	8.35		$	8.48
Return on average common shareholders' equity (tangible)
Net income		$	34,251		$	38,566		$	36,680		$	110,967		$	119,945
Plus: Intangible amortization, net of tax		3			203			69			157			614
Numerator		$	34,254		$	38,769		$	36,749		$	111,124		$	120,559
Average shareholders' equity		$	2,022,829		$	2,089,459		$	2,031,788		$	2,023,552		$	2,078,188
Less: Average goodwill and intangible assets		(531,564		)	(532,271		)	(531,618		)	(531,638		)	(532,584		)
Average tangible shareholders' equity (denominator)		$	1,491,265		$	1,557,188		$	1,500,170		$	1,491,914		$	1,545,604
Return on average common shareholders' equity (tangible), annualized		9.11		%	9.88		%	9.83		%	9.96		%	10.43		%
Efficiency ratio
Non-interest expense		$	124,889		$	115,798		$	118,354		$	361,721		$	341,526
Less: Intangible amortization		(5		)	(314		)	(106		)	(241		)	(944		)
Less: Loss on redemption of trust preferred securities		(5,626		)	—			—			(5,626		)	—
Numerator		$	119,258		$	115,484		$	118,248		$	355,854		$	340,582
Net interest income (fully taxable equivalent)		$	130,250		$	133,692		$	127,445		$	385,781		$	399,708
Plus: Total Non-interest income		44,774			41,900			46,489			136,000			125,278
Less: Investment securities gains		(1,730		)	(81		)	(2,415		)	(8,290		)	(1,193		)
Denominator		$	173,294		$	175,511		$	171,519		$	513,491		$	523,793
Efficiency ratio		68.82		%	65.80		%	68.94		%	69.30		%	65.02		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	155,582		$	157,337		$	162,268
Tangible shareholders' equity		$	1,494,342		$	1,545,889		$	1,493,250
Plus: Allowance for credit losses		169,395			191,108			169,453
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,663,737		$	1,736,997		$	1,662,703
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		9.35		%	9.06		%	9.76		%

EX-99.3

D A T A A S O F S E P T E M B E R 3 0 , 2 0 1 5 U N L E S S O T H E R W I S E N O T E D 2015 THIRD QUARTER RESULTS NASDAQ: FULT

FORWARD-LOOKING STATEMENTS This presentation may contain forward-looking statements with respect to Fulton Financial Corporation’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as “may,” “should,” “will,” “could,” “estimates,” “predicts,” “potential,” “continue,” “anticipates,” “believes,” “plans,” “expects,” “future,” “intends” and similar expressions which are intended to identify forward-looking statements. Management’s “2015 Outlook” contained herein is comprised of forward-looking statements. Forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond the Corporation’s control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements. The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2014 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2015 and June 30, 2015, which have been filed with the Securities and Exchange Commission and are available in the Investor Relations section of the Corporation’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). The Corporation uses certain non-GAAP financial measures in this presentation. These non-GAAP financial measures are reconciled to the most comparable GAAP measures at the end of this presentation. 2

THIRD QUARTER HIGHLIGHTS Diluted Earnings Per Share Growth • $0.20 diluted earnings per share in 3Q15 • 4.8% decrease compared to 2Q15, as improvements in Net Interest Income and credit provision were more than offset by the loss on redemption of trust preferred securities (TruPS) Loans & Deposits • 2.2% increase in ending loans compared to 2Q15, driven by Commercial and Commercial Real Estate; 3.9% increase compared to 3Q14; 1.3% and 3.5%, respectively, increases in average loans, compared to 2Q15 and 3Q14 • 4.3% increase in ending deposits compared to 2Q15, driven by an increase in savings and demand deposits; 5.6% increase compared to 3Q14; 3.1% and 6.6%, respectively, increases in average deposits, compared to 2Q15 and 3Q14 Net Interest Income & Margin • 2.3% increase in net interest income and a 2 basis point decrease in net interest margin compared to 2Q15 • Refinanced $200 million in long-term FHLB debt in September 2015; future periods expected to reflect a reduction in pre-tax interest expense of approximately $800,000 per quarter Asset Quality • $1.0 million provision for credit losses; decreases in net charge-offs, non-performing assets and delinquencies compared to 2Q15 Non-Interest Income (Excluding Securities Gain) • Decreased 2.3% compared to 2Q15, primarily in mortgage banking income; increased 2.9% compared to 3Q14, reflecting increases primarily in other service charges and fees Non-Interest Expense • Increase compared to 2Q15 due primarily to $5.6 million loss on the redemption of TruPS in 3Q15; excluding this loss, non- interest expense increased 0.8% compared to 2Q15 and 3.0% compared to 3Q14 Capital Deployment • Capital levels remain well above regulatory minimums • Quarterly cash dividend to shareholders remained at 9 cents • 2.4 million shares repurchased during 3Q15, completing program announced in April 2015 • New $50 million repurchase authorization approved by the Board in October 2015 3

INCOME STATEMENT SUMMARY – QUARTERLY COMPARISON  Net Income of $34.3 million; a 6.6% decrease from 2Q15 and an 11.2% decrease from 3Q14  Net Interest Income  From 2Q15: Increase of 2.3% due to an extra day of interest in Q3 and a 2.0% increase in average earning assets, partially offset by a 2 bps decline in net interest margin (NIM)  From 3Q14: Decrease of 2.8% due to 21 bps decline in NIM, partially offset by 3.5% increase in average earning assets  Loan Loss Provision $1.0 million provision in 3Q15 reflects continued improvements in asset quality  Non-Interest Income  From 2Q15: Decrease of 2.3% driven by decreases in mortgage sale gains  From 3Q14: Increase of 2.9% due to increased merchant and debit card income and commercial loan interest rate swap fees  Non-Interest Expenses  $5.6 million loss on redemption of trust preferred securities (TruPS) in Q315; excluding this loss:  From 2Q15: Increase of 0.8% due to higher other real estate expense, operating risk loss and software  From 3Q14: Increase of 3.0% due to higher staffing costs, marketing, software and data processing, partially offset by decreases in outside services, occupancy expense and professional fees 4 Note: ROA is return an average assets determined by dividing net income for the period indicated by average assets (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 3Q15 2Q15 3Q14 Net Interest Income 125,694$ 2,774$ (3,672)$ Provision for Credit Losses 1,000 (1,200) (2,500) Non-interest Income 43,044 (1,030) 1,225 Securities Gains 1,730 (685) 1,649 Non-interest Expense 119,263 909 3,465 Loss on redemption of TruPS 5,626 5,626 5,626 Income before Income Taxes 44,579 (4,276) (7,389) Income Taxes 10,328 (1,847) (3,074) Net Income 34,251$ (2,429)$ (4,315)$ Per Share (Diluted) 0.20$ (0.01)$ (0.01)$ ROA 0.78% (0.08%) (0.12%) ROE (tangible) (1) 9.11% (0.72%) (0.77%) Efficiency rati (1) 68.82% (0.12%) 3.02% (dollars in thousands, except per-share data) Change from

NET INTEREST INCOME AND MARGIN 5 Net Interest Income & Net Interest Margin ~ $730 million ~ $610 million $129.4 $128.0 $123.6 $122.9 $125.7 3.39% 3.31% 3.27% 3.20% 3.18% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Net Interest Income Net Interest Margin (Fully-taxable equivalent basis, or FTE) Average Interest-Earning Assets & Yields Average Liabilities & Rates $2.8 $2.9 $2.8 $2.8 $2.9 $12.9 $13.1 $13.1 $13.2 $13.4 3.90% 3.85% 3.83% 3.74% 3.68% 0.0% 2.0% 4.0% $- $4.0 $8.0 $12.0 $16.0 $20.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Securities & Other Loans Earning Asset Yield (FTE) $13.0 $13.3 $13.4 $13.5 $13.9 $1.7 $1.5 $1.4 $1.4 $1.3 0.73% 0.76% 0.80% 0.77% .72% 0.5% 0.7% 0.9% $- $4.0 $8.0 $12.0 $16. Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Deposits Borrowings Cost of Interest-bearing Liabilities ($ IN MILLIONS) ($ IN BILLIONS) ($ IN BILLIONS)

ASSET QUALITY ($ IN MILLIONS) 6 Provision for Credit Losses Non-Performing Loans (NPLs) & NPLs to Loans 132.85% 134.26% 120.34% 113.34% 116.81% 1.47% 1.42% 1.37% 1.28% 1.25% 0.00% 1.00% 2.00% 3.00% 0.00% 25.00% 50.00% 75.00% 100.00% 125.00% 150.00% Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Allowance/NPLs Allowance/Loans Net Charge-offs (NCOs) and NCOs to Average Loans Allowance for Credit Losses (Allowance) to NPLs & Loans $5.8 $8.2 $2.6 $12.4 $1.1 0.18% 0.25% 0.08% 0.38% 0.03% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% $- $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 Q3 2014 Q4 2014 Q1 2015 2 5 3 2015 NCOs NCOs/Average Loans $3.5 $3.0 $(3.7) $2.2 $1.0 $(6.0) $(4.0) $(2.0) $- $2.0 $4.0 $6.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 $143.8 $138.5 $149.3 $149.5 $145.0 1.10% 1.06% 1.14% 1.13% 1.07% 0.00% 0.50% 1.00% 1.50% 2.00% $0.0 20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 $160.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 NPL NPLs/Loans

NON-INTEREST INCOME, EXCLUDING SECURITIES GAINS ($ IN MILLIONS) 7 Non-interest Income, Excluding Securities Gains ~ $730 million ~ $610 million $41.8 $41.3 $40.6 $44.1 $43.0 $- $5.0 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 $40.0 $45.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Mortgage Banking Income & Spreads Other Non-interest Income 1.32% 1.03% 1.11% 1.62% 1.17% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% $- $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Gains on Sales Servicing Income Spread on Sales (1) $4.0 $3.7 $4.7 $5.3 $3.9 $- $5.0 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 $40 $45.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Invt Mgmt & Trust Srvs Deposit Srv Chgs Oth Srv Chgs Other $37.8 $37.5 $35.9 $38.7 $39.2 (1) Represents Gains on Sales divided by total commitments to originate residential mortgage loans for customers.

NON-INTEREST EXPENSES ($ IN MILLIONS) 8 Non-interest Expense & Efficiency Ratio (1) ~ $730 million ~ $610 million $115.8 $117.7 $118.5 $118.4 $119.3 65.8% 67.5% 70.2% 68.9% 68.8% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Salaries and Employee Benefits & Staffing Other Non-interest Expenses 3,530 3,450 - 2,000 4,000 6,000 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Total Salaries Employee Benefits Average Full-time Equivalent Employees $62.4 $65.4 $65.0 $65.1 $65.3 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Occp & Equip Data Processing & Software Outside Srvs Other $53.4 $52.3 $53.5 $53.3 $59.6 (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non- GAAP Reconciliation” at the end of this presentation.

COMPLIANCE & RISK MANAGEMENT $1.8 $2.1 $3.2 $4.3 $4.6 $1.4 $8.2 $4.8 $0.4 $1.5 13 26 30 45 47 0 5 10 15 20 25 30 35 40 45 50 $- $3.0 $6.0 $9.0 $12.0 2011 2012 2013 2014 2015 (Projected) Salaries & Benefits Expense Outside Consulting Services# Temporary Employee Expense Staffing $0.8 YTD Sep 15: $3.1 YTD Sep 15: $3.9 $0.1 YTD Sep 15: $1.1 9 # Represents third-party consulting and legal services directly related to BSA/AML compliance program. 2015 and 2014 exclude $0.7 million and $0.6 million, respectively, of capitalized software costs. To tal A n n u al E xp e n ses , in m ill io n s • Strengthening Risk Management and Compliance infrastructures • Address deficiencies within BSA/AML compliance • Recent BSA/AML enforcement actions at the Corporation and banking subsidiaries • Significant investments in personnel, outside services and systems BSA/AML Compliance Program Expenses and Staffing To tal N u m b e r o f Em p lo ye e s at Pe rio d En d $1.8 $2.1 $3.2 $4.3 $4.6 $1.4 $8.2 $4.8 $0.4 $1.5 13 26 30 45 47 0 5 10 15 20 25 30 35 40 45 50 $- $3.0 $6.0 $9.0 $12.0 2011 2012 2013 2014 2015 (Projected) Salaries & Benefits Expense Outside Consulting Services# Temporary Employee Expense Staffing $0.8 YTD Sep 15: $3.1 YTD Sep 15: $3.9 $0.1 YTD Sep 15: $1.1

PROFITABILITY & CAPITAL 10 ROA ROE (tangible) (1) Tangible Common Equity Ratio (1) Diluted Earnings Per Common Share 9.88% 9.96% 10.96% 9.83% 9.11% 0.00% 4.00% 8.00% 12.00% Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 0.90% 0.88% 0.95% 0.86% 0.78% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Note: ROA is return an average assets determined by dividing net income for the period indicated by average assets (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 9.3% 8.8% 8.9% 8.9% 8.6% 0.0% 4. 8. 12.0 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 $0.21 $0.21 $0.22 $0.21 $0.20 $- $0.05 $0.10 $0.15 $0.20 $0.25 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015

2015 OUTLOOK 11 Area Original – January 2015 Updated – September 2015 Loans & Deposits Annual average growth of 3%-7% Loans - Growth at lower end of range; Deposits - no change Net Interest Margin Compression of 0-4 bps per quarter, on average, based on the current interest rate environment Compression of 0-3 basis points in Q4 2015 Asset Quality Continued modest provision; volatility may occur due to individual credits No change Non-Interest Income Mid- to high- single digit growth rate Growth at, or just below, low end of range Non-Interest Expense Low- single digit growth rate Excluding impact of the $5.6 million loss on TruPS redemption in Q3 2015, growth at, or slightly above, high end of range Compliance, Risk Management and Technology Continued focus on program build- out No change Capital Continued commitment to return of capital to shareholders No change

NON-GAAP RECONCILIATION Note: The Corporation has presented the following non-GAAP (Generally Accepted Accounting Principles) financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations and financial condition. 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. 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. 12 Sep 30 Dec 31 Mar 31 Jun 30 Sep 30 2014 2014 2015 2015 2015 Efficiency ratio Non-interest expense 115,798$ 117,720$ 118,478$ 118,354$ 124,889$ Less: Intangible amortization (314) (315) (130) (106) (5) Less: Loss on redemption of TruPS (5,626) Numerator 115,484$ 117,405$ 118,348$ 118,248$ 119,258$ Net interest income (fully taxable equivalent) 133,692$ 132,614$ 128,085$ 127,444$ 130,252$ Plus: Total Non-interest income 41,900 42,101 44,737 46,489 44,774 Less: Investment securities (gains) losses (81) (848) (4,145) (2,415) (1,730) Denominator 175,511$ 173,867$ 168,677$ 171,518$ 173,296$ Efficiency ratio 65.80% 67.53% 70.16% 68.94% 68.82% Sep 30 Dec 31 Mar 31 Jun 30 Sep 30 2014 2014 2015 2015 2015 Return on Average Shareholders' Equity (ROE) (Tangible) Net income 38,566$ 37,949$ 40,036$ 36,680$ 34,251$ Plus: Inta g bl amortization, net of tax 203 205 85 69 3 N m rator 38,769$ 38,154$ 40,121$ 36,749$ 34,254$ Average shareholders' equity 2,089,459$ 2,052,211$ 2,015,963$ 2,031,788$ 2,022,829$ Less: Average goodwill and intangible assets (532,271) (531,955) (531,732) (531,618) (531,564) Average tangible shareholders' equity (denominator) 1,557,188$ 1,520,256$ 1,484,231$ 1,500,170$ 1,491,265$ Return on average common shareholders' equity (tangible), annualized 9.88% 9.96% 10.96% 9.83% 9.11% Three Months Ended Three Months Ended (dollars in thousands) (dollars in thousands)

NON-GAAP RECONCILIATION (CON’T) 13 Sep 30 Dec 31 Mar 31 Jun 30 Sep 30 2014 2014 2015 2015 2015 Tangible Common Equity to Tangible Assets (TCE Ratio) Shareholders' equity 2,078,006$ 1,996,665$ 2,031,513$ 2,024,817$ 2,025,904$ Less: Intangible assets (532,117) (531,803) (531,672) (531,567) (531,562) Tangible shareholders' equity (numerator) 1,545,889$ 1,464,862$ 1,499,841$ 1,493,250$ 1,494,342$ Total assets 17,238,174$ 17,124,767$ 17,363,341$ 17,365,462$ 17,837,769$ Less: Intangible assets (532,117) (531,803) (531,672) (531,567) (531,562) Total tangible assets (denominator) 16,706,057$ 16,592,964$ 16,831,669$ 16,833,895$ 17,306,207$ Tangible Common Equity to Tangible Assets 9.3% 8.8% 8.9% 8.9% 8.6%

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