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): July 17, 2018

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))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company £

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. £

Item 2.02 - Results of Operations and Financial Condition

On July 17, 2018, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the second quarter ended June 30, 2018. 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. The Corporation also posted on its Investor Relations website, www.fult.com, presentation materials the Corporation intends to use during a conference call and webcast to discuss those results on Wednesday, July 18, 2018 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.    

Forward-Looking Statements

This Current Report on Form 8-K, including the Exhibits hereto, 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," "projects," the negative of these terms and other comparable terminology. Statements relating to the "outlook" or "2018 Outlook" contained in Exhibit 99.3 to this Current Report are forward looking statements. These forward looking statements may include projections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation’s business or financial results.

Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements related to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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, 2017 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2018, 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).

Item 9.01 Financial Statements And Exhibits

(d)Exhibits.

Exhibit No.	Description
99.1	Press Release dated July 17, 2018.
99.2	Supplementary financial information for the quarter ended June 30, 2018.
99.3	Presentation materials to be discussed during the conference call and webcast on July 18, 2018.

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: July 17, 2018	FULTON FINANCIAL CORPORATION
	By: /s/ Mark R. McCollom
	Mark R. McCollom
	Senior Executive Vice President and
	Chief Financial Officer

EX-99.1

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura Wakeley (717) 291-2616

Investor Contact: Jason Weber (717) 327-2394

Fulton Financial reports second quarter net income of $35.2 million, or $0.20 per share

(July 17, 2018) - Lancaster, PA - Fulton Financial Corporation (NASDAQ:FULT) (“Fulton” or the “Corporation”) reported net income of $35.2 million, or $0.20 per diluted share, for the second quarter of 2018, and net income of $84.7 million, or $0.48 per diluted share, for the six months ended June 30, 2018.

"Overall, we were pleased with the second quarter results, despite the impact of the loss from a single, large commercial lending relationship,” said E. Philip Wenger, Chairman and CEO. “Pre-provision net revenue reached an all-time high this quarter on strong growth in our net interest income, solid fee income growth and a reduction in operating expenses. Absent the impact of the one large commercial lending relationship, we also saw a nice improvement in credit.”

Net income per diluted share decreased 28.6% in comparison to the $0.28 reported for the first quarter of 2018 and 23.1% from the second quarter of 2017. The decrease in net income compared to the two prior periods resulted from a credit loss arising from a single, large commercial lending relationship (“Commercial Relationship”). The provision for credit losses recorded in the second quarter of 2018 for this Commercial Relationship was $36.8 million, or $29.1 million, net of tax. This loss equates to approximately $0.16 per diluted share. The credit loss was previously disclosed and is addressed in more detail below.

Balance Sheet

Total average assets for the second quarter of 2018 were $20.1 billion, an increase of $187.3 million from the first quarter of 2018. Average loans, net of unearned income, increased $107.3 million in comparison to the first quarter of 2018. Average loans and yields, by type, for the second quarter of 2018 in comparison to the first quarter of 2018 are summarized in the following table:

	Three Months Ended
	June 30, 2018				March 31, 2018				Growth
	Balance		Yield (1)		Balance		Yield (1)		$			%
	(dollars in thousands)
Average Loans, net of unearned income, by type:
Real estate - commercial mortgage	$	6,298,534	4.34	%	$	6,305,821	4.16	%	$	(7,287	)	(0.1	)%
Commercial - industrial, financial, and agricultural	4,335,097		4.27	%	4,288,634		4.15	%	46,463			1.1	%
Real estate - residential mortgage	2,026,161		3.89	%	1,958,505		3.85	%	67,656			3.5	%
Real estate - home equity	1,502,936		4.83	%	1,538,974		4.65	%	(36,038		)	(2.3	)%
Real estate - construction	978,327		4.40	%	984,242		4.22	%	(5,915		)	(0.6	)%
Consumer	345,572		4.43	%	315,927		4.67	%	29,645			9.4	%
Leasing	272,298		4.59	%	260,780		4.53	%	11,518			4.4	%
Other	9,452		N/A		8,149		N/A		1,303			16.0	%
Total Average Loans, net of unearned income	$	15,768,377	4.32	%	$	15,661,032	4.19	%	$	107,345		0.7	%
(1) Presented on a fully-taxable equivalent basis using a 21% Federal tax rate and statutory interest expense disallowances for the three months ended June 30, 2018 and March 31, 2018.

Average deposits increased $97.1 million in comparison to the first quarter of 2018. Average deposits and interest rates, by type, for the second quarter of 2018 in comparison to the first quarter of 2018 are summarized in the following table:

	Three Months Ended
	June 30, 2018				March 31, 2018				Growth
	Balance		Rate		Balance		Rate		$			%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	4,281,574	—	%	$	4,246,168	—	%	$	35,406		0.8	%
Interest-bearing demand	3,952,115		0.50	%	3,958,894		0.41	%	(6,779		)	(0.2	)%
Savings and money market deposits	4,538,083		0.49	%	4,494,445		0.39	%	43,638			1.0	%
Total average demand and savings	12,771,772		0.34	%	12,699,507		0.27	%	72,265			0.6	%
Brokered deposits	85,242		1.87	%	74,026		1.51	%	11,216			15.2	%
Time deposits	2,660,410		1.26	%	2,646,779		1.20	%	13,631			0.5	%
Total Average Deposits	$	15,517,424	0.50	%	$	15,420,312	0.43	%	$	97,112		0.6	%

Asset Quality

Non-performing assets were $134.9 million, or 0.67% of total assets, at June 30, 2018, compared to $145.4 million, or 0.73% of total assets, at March 31, 2018.

On May 31, 2018, Fulton filed a Current Report on Form 8-K with the Securities and Exchange Commission disclosing an expected credit loss arising from the Commercial Relationship; at the time of the Current Report, Fulton estimated that the credit loss related to the Commercial Relationship would be up to $32 million, net of tax, or $0.18 per diluted share. Since the date of the Current Report, Fulton determined that the provision for credit loss for the Commercial Relationship, which was recorded in the second quarter of 2018, was $36.8 million, or $29.1 million, net of tax. This loss equates to approximately $0.16 per diluted share. The credit loss resulted from fraudulent activity believed to have been perpetrated by one or more employees of the borrower and its related entities. Based on Fulton’s review of the circumstances of the fraudulent activity involving this borrower, Fulton believes this incident is an isolated occurrence and not indicative of a broader increase in exposure to fraud-related losses in connection with its lending businesses.

Annualized net charge-offs for the quarter ended June 30, 2018 were 1.01% of total average loans compared to 0.10% for the quarter ended March 31, 2018. The second quarter of 2018 net charge-offs included a $33.9 million charge-off, or 0.86% of total average loans on an annualized basis, related to the Commercial Relationship. The allowance for credit losses as a percentage of non-performing loans was 137% at June 30, 2018 compared to 131% for the quarter ended March 31, 2018.

During the second quarter of 2018, Fulton recorded a $33.1 million provision for credit losses, compared to $4.0 million in the first quarter of 2018. The second quarter of 2018 provision for credit losses reflects the $36.8 million provision for credit losses related to the Commercial Relationship, and a $3.7 million negative provision for credit losses, mainly due to payoffs of certain loans that had allowance for credit losses allocations in prior periods and improving overall credit performance.

Net Interest Income and Margin

Net interest income for the second quarter of 2018 was $156.1 million, an increase of $4.7 million, or 3.1%, from the first quarter of 2018. This increase was driven by the aforementioned growth in loans and deposits and a four basis point increase in the net interest margin, to 3.39%. The improvement in the net interest margin resulted from the 11 basis point increase in the average yield on interest-earning assets outpacing the seven basis point increase in the average cost of funds.

Non-interest Income

Non-interest income in the second quarter of 2018, excluding investment securities gains, was $49.1 million, an increase of $3.2 million, or 7.1%, in comparison to the first quarter of 2018. For the second quarter of 2018, other service charges and fees increased $2.2 million, or 19.7%, due primarily to higher commercial loan interest rate swap fees and merchant fees. Mortgage banking revenues and gains on sales of Small Business Administration loans also experienced increases of $1.0 million and $0.5 million, respectively.

Non-interest Expense

Non-interest expense was $133.3 million in the second quarter of 2018, a decrease of $3.3 million, or 2.4%, compared to the first quarter of 2018. This decrease was primarily due to a $2.4 million decrease in professional fees, a $0.8 million decrease in occupancy expenses resulting from higher snow removal and utilities costs in the first quarter of 2018, and a $0.8 million decrease in salaries and benefits due to lower incentive compensation expense, partially offset by a seasonal increase in employee salaries.

Income Tax Expense

The effective income tax rate for the second quarter of 2018 was 9.0%, as compared to 12.5% for the first quarter of 2018. The decrease in the effective income tax rate resulted from lower income before income taxes.

Additional information on Fulton 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," “projects,” the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation’s business or financial results.

Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements

related to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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, 2017 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2018, 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).

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

FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)
dollars in thousands, except per-share data and percentages
	Three Months Ended
	Jun 30			Mar 31			Dec 31			Sep 30			Jun 30
	2018			2018			2017			2017			2017
Ending Balances
Investments	$	2,593,283		$	2,592,823		$	2,547,956		$	2,561,516		$	2,488,699
Loans, net of unearned income	15,792,969			15,696,284			15,768,247			15,486,899			15,346,617
Total assets	20,172,539			19,948,941			20,036,905			20,062,860			19,647,435
Deposits	15,599,799			15,477,103			15,797,532			16,141,780			15,357,361
Shareholders' equity	2,245,785			2,235,493			2,229,857			2,225,786			2,191,770
Average Balances
Investments	$	2,601,705		$	2,556,986		$	2,566,337		$	2,523,758		$	2,488,684
Loans, net of unearned income	15,768,377			15,661,032			15,560,185			15,392,067			15,127,205
Total assets	20,063,375			19,876,093			20,072,579			19,872,726			19,300,975
Deposits	15,517,424			15,420,312			16,056,789			15,875,469			15,089,104
Shareholders' equity	2,246,904			2,224,615			2,237,031			2,215,389			2,181,189
Income Statement
Net interest income	$	156,067		$	151,318		$	149,413		$	146,809		$	141,563
Provision for credit losses	33,117			3,970			6,730			5,075			6,700
Non-interest income	49,094			45,875			56,956			51,974			52,371
Non-interest expense	133,345			136,661			138,452			132,157			132,695
Income before taxes	38,699			56,562			61,187			61,551			54,539
Net income	35,197			49,480			34,001			48,905			45,467
Pre-provision net revenue(1)	73,449			62,150			69,361			65,532			62,954
Per Share
Net income (basic)	$	0.20		$	0.28		$	0.19		$	0.28		$	0.26
Net income (diluted)	0.20			0.28			0.19			0.28			0.26
Cash dividends	0.12			0.12			0.14			0.11			0.11
Tangible common equity(1)	9.75			9.71			9.70			9.68			9.50
Weighted average shares (basic)	175,764			175,303			175,132			174,991			174,597
Weighted average shares (diluted)	176,844			176,568			176,374			176,216			175,532
Asset Quality
Net charge-offs to average loans (annualized)	1.01%			0.10%			0.14		%	0.14		%	0.11		%
Non-performing loans to total loans	0.78%			0.86%			0.85		%	0.88		%	0.88		%
Non-performing assets to total assets	0.67%			0.73%			0.72		%	0.73		%	0.75		%
Allowance for credit losses to loans outstanding	1.07%			1.12%			1.12		%	1.13		%	1.14		%
Allowance for loan losses to loans outstanding	0.99		%	1.04		%	1.08		%	1.11		%	1.12		%
Allowance for credit losses to non-performing loans	136.77%			130.73%			130.67		%	128.05		%	128.92		%
Allowance for loan losses to non-performing loans	126.11%			121.22%			126.08		%	126.22		%	126.96		%
Non-performing assets to tangible shareholders' equity      and allowance for credit losses(1)	7.16%			7.73%			7.71		%	7.87		%	8.02		%
Total delinquency rate	1.18%			1.19%			1.24		%	1.28		%	1.20		%

Profitability
Return on average assets	0.70	%	1.01	%	0.67		%	0.98	%	0.94	%
Return on average shareholders' equity	6.28%		9.02%		6.03		%	8.76	%	8.36	%
Return on average shareholders' equity (tangible)(1)	8.23%		11.85%		7.91		%	11.52	%	11.06	%
Net interest margin	3.39	%	3.35	%	3.29		%	3.27	%	3.29	%
Efficiency ratio(1)	63.29%		67.48%		64.24		%	64.30	%	65.33	%
Capital Ratios
Tangible common equity ratio(1)	8.73	%	8.78	%	8.71		%	8.67	%	8.68	%
Tier 1 leverage ratio(2)	9.20%		9.20%		8.93		%	8.97	%	9.06	%
Common equity Tier 1 capital ratio(2)	10.60	%	10.70	%	10.38		%	10.42	%	10.25	%
Tier 1 capital ratio(2)	10.60	%	10.70%		10.38		%	10.42	%	10.25	%
Total risk-based capital ratio(2)	13.20	%	13.30%		13.02		%	13.09	%	12.95	%
Financial information, as adjusted(3)
Net income					$	49,635
Net income per share, diluted					$	0.28
Return on average assets					0.98		%
Return on average shareholders' equity					8.80		%
Return on average shareholders' equity (tangible)					11.55		%
(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 June 30, 2018 are preliminary and remaining periods are actual.
(3)Excluding the re-measurement of net deferred tax assets of $15.6 million, which is considered a Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the page titled “Reconciliation of Non-GAAP Measures" at the end of this document.

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																	% Change from
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Mar 31		Jun 30
		2018			2018			2017			2017			2017			2018		2017
ASSETS
	Cash and due from banks	$	99,742		$	100,151		$	108,291		$	99,803		$	94,938		(0.4	)%	5.1	%
	Other interest-earning assets	364,802			267,806			354,566			645,796			392,842			36.2	%	(7.1	)%
	Loans held for sale	35,898			23,450			31,530			23,049			62,354			53.1	%	(42.4	)%
	Investment securities	2,593,283			2,592,823			2,547,956			2,561,516			2,488,699			—	%	4.2	%
	Loans, net of unearned income	15,792,969			15,696,284			15,768,247			15,486,899			15,346,617			0.6	%	2.9	%
	Allowance for loan losses	(156,050		)	(163,217		)	(169,910		)	(172,245		)	(172,342		)	(4.4	)%	(9.5	)%
	Net loans	15,636,919			15,533,067			15,598,337			15,314,654			15,174,275			0.7	%	3.0	%
	Premises and equipment	230,195			230,313			222,802			221,551			217,558			(0.1	)%	5.8	%
	Accrued interest receivable	55,208			53,060			52,910			50,082			47,603			4.0	%	16.0	%
	Goodwill and intangible assets	531,556			531,556			531,556			531,556			531,556			—	%	—	%
	Other assets	624,936			616,715			588,957			614,853			637,610			1.3	%	(2.0	)%
	Total Assets	$	20,172,539		$	19,948,941		$	20,036,905		$	20,062,860		$	19,647,435		1.1	%	2.7	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	15,599,799		$	15,477,103		$	15,797,532		$	16,141,780		$	15,357,361		0.8	%	1.6	%
	Short-term borrowings	983,833			937,852			617,524			298,751			694,859			4.9	%	41.6	%
	Other liabilities	351,174			359,994			353,646			358,384			365,484			(2.5	)%	(3.9	)%
	FHLB advances and long-term debt	991,948			938,499			1,038,346			1,038,159			1,037,961			5.7	%	(4.4	)%
	Total Liabilities	17,926,754			17,713,448			17,807,048			17,837,074			17,455,665			1.2	%	2.7	%
	Shareholders' equity	2,245,785			2,235,493			2,229,857			2,225,786			2,191,770			0.5	%	2.5	%
	Total Liabilities and Shareholders' Equity	$	20,172,539		$	19,948,941		$	20,036,905		$	20,062,860		$	19,647,435		1.1	%	2.7	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	6,304,475		$	6,332,508		$	6,364,804		$	6,275,140		$	6,262,008		(0.4	)%	0.7	%
	Commercial - industrial, financial and agricultural	4,264,602			4,299,072			4,300,297			4,223,075			4,245,849			(0.8	)%	0.4	%
	Real estate - residential mortgage	2,094,530			1,976,524			1,954,711			1,887,907			1,784,712			6.0	%	17.4	%
	Real estate - home equity	1,491,395			1,514,241			1,559,719			1,567,473			1,579,739			(1.5	)%	(5.6	)%
	Real estate - construction	990,705			976,131			1,006,935			973,108			938,900			1.5	%	5.5	%
	Consumer	360,315			326,766			313,783			302,448			283,156			10.3	%	27.2	%
	Leasing and other	286,947			271,042			267,998			257,748			252,253			5.9	%	13.8	%
	Total Loans, net of unearned income	$	15,792,969		$	15,696,284		$	15,768,247		$	15,486,899		$	15,346,617		0.6	%	2.9	%
Deposits, by type:
	Noninterest-bearing demand	$	4,324,659		$	4,291,821		$	4,437,294		$	4,363,915		$	4,574,619		0.8	%	(5.5	)%
	Interest-bearing demand	3,854,680			3,984,423			4,018,107			4,119,419			3,650,204			(3.3	)%	5.6	%
	Savings and money market accounts	4,597,510			4,487,277			4,586,746			4,790,985			4,386,128			2.5	%	4.8	%
	Total demand and savings	12,776,849			12,763,521			13,042,147			13,274,319			12,610,951			0.1	%	1.3	%
	Brokered deposits	161,447			64,195			90,473			109,936			—			151.5	%	—	%
	Time deposits	2,661,503			2,649,387			2,664,912			2,757,525			2,746,410			0.5	%	(3.1	)%
	Total Deposits	$	15,599,799		$	15,477,103		$	15,797,532		$	16,141,780		$	15,357,361		0.8	%	1.6	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	152,594		$	165,186		$	172,017		$	185,945		$	174,224		(7.6	)%	(12.4	)%
	Customer short-term promissory notes	303,239			342,666			225,507			106,994			74,366			(11.5	)%	N/M
	Short-term FHLB advances	185,000			35,000			—			—			240,000			N/M		(22.9	)%
	Federal funds purchased	343,000			395,000			220,000			5,812			206,269			(13.2	)%	66.3	%
	Total Short-term Borrowings	$	983,833		$	937,852		$	617,524		$	298,751		$	694,859		4.9	%	41.6	%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
dollars in thousands
		Three Months Ended										% Change from				Six Months Ended
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30		Mar 31		Jun 30		Jun 30
		2018		2018		2017		2017		2017		2018		2017		2018		2017		% Change
Interest Income:
	Interest income	$	186,170	$	177,687	$	174,987	$	171,511	$	163,881	4.8	%	13.6	%	$	363,857	$	322,368	12.9	%
	Interest expense	30,103		26,369		25,574		24,702		22,318		14.2	%	34.9	%	56,472		43,226		30.6	%
	Net Interest Income	156,067		151,318		149,413		146,809		141,563		3.1	%	10.2	%	307,385		279,142		10.1	%
	Provision for credit losses	33,117		3,970		6,730		5,075		6,700		N/M		N/M		37,087		11,500		N/M
	Net Interest Income after Provision	122,950		147,348		142,683		141,734		134,863		(16.6	)%	(8.8	)%	270,298		267,642		1.0	%
Non-Interest Income:
Other service charges and fees:
	Merchant fees	4,920		4,115		4,308		4,398		4,531		19.6	%	8.6	%	9,035		8,138		11.0	%
	Debit card income	3,077		2,817		3,526		2,830		2,884		9.2	%	6.7	%	5,894		5,549		6.2	%
	Commercial loan interest rate swap fees	2,393		1,291		2,914		1,954		3,768		85.4	%	(36.5	)%	3,684		6,826		(46.0	)%
	Letter of credit fees	956		992		1,037		1,056		1,109		(3.6	)%	(13.8	)%	1,948		2,309		(15.6	)%
	Foreign exchange income	591		533		510		470		446		10.8	%	32.6	%	1,124		780		44.1	%
	Other	1,728		1,671		1,534		1,543		1,604		3.4	%	7.7	%	3,399		3,177		7.0	%
	Total	13,665		11,419		13,829		12,251		14,342		19.7	%	(4.7	)%	25,084		26,779		(6.3	)%
Service charges on deposit accounts:
	Overdraft fees	5,092		5,145		5,609		5,844		5,648		(1.0	)%	(9.8	)%	10,237		11,116		(7.9	)%
	Cash management fees	4,452		4,317		3,669		3,624		3,614		3.1	%	23.2	%	8,769		7,151		22.6	%
	Other	2,726		2,500		3,392		3,554		3,652		9.0	%	(25.4	)%	5,226		7,047		(25.8	)%
	Total	12,270		11,962		12,670		13,022		12,914		2.6	%	(5.0	)%	24,232		25,314		(4.3	)%
	Investment management and trust services	12,803		12,871		13,152		12,157		12,132		(0.5	)%	5.5	%	25,674		23,940		7.2	%
	Mortgage banking income	5,163		4,193		4,386		4,805		6,141		23.1	%	(15.9	)%	9,356		10,737		(12.9	)%
	Other:
	Credit card income	2,866		2,816		2,778		2,829		2,666		1.8	%	7.5	%	5,682		5,314		6.9	%
	Small business administration lending income	846		357		1,355		565		1,163		137.0	%	(27.3	)%	1,203		1,591		(24.4	)%
	Other income	1,477		2,238		6,854		1,748		1,577		(34.0	)%	(6.3	)%	3,715		2,827		31.4	%
	Total	5,189		5,411		10,987		5,142		5,406		(4.1	)%	(4.0	)%	10,600		9,732		8.9	%
	Non-Interest Income before Investment Securities Gains	49,090		45,856		55,024		47,377		50,935		7.1	%	(3.6	)%	94,946		96,502		(1.6	)%
	Investment securities gains	4		19		1,932		4,597		1,436		(78.9	)%	(99.7	)%	23		2,542		(99.1	)%
	Total Non-Interest Income	49,094		45,875		56,956		51,974		52,371		7.0	%	(6.3	)%	94,969		99,044		(4.1	)%
Non-Interest Expense:
	Salaries and employee benefits	74,919		75,768		73,504		72,894		74,496		(1.1	)%	0.6	%	150,687		143,732		4.8	%
	Net occupancy expense	12,760		13,632		12,549		12,180		12,316		(6.4	)%	3.6	%	26,392		24,979		5.7	%
	Data processing and software	10,453		10,473		10,401		10,301		9,054		(0.2	)%	15.5	%	20,926		18,033		16.0	%
	Other outside services	7,568		8,124		7,665		6,582		7,708		(6.8	)%	(1.8	)%	15,692		13,254		18.4	%
	Professional fees	2,372		4,816		3,632		3,388		2,931		(50.7	)%	(19.1	)%	7,188		5,668		26.8	%
	Equipment expense	3,434		3,534		3,244		3,298		3,034		(2.8	)%	13.2	%	6,968		6,393		9.0	%
	FDIC insurance expense	2,663		2,953		3,618		3,007		2,366		(9.8	)%	12.6	%	5,616		4,424		26.9	%
	Marketing	2,335		2,250		1,725		2,089		2,234		3.8	%	4.5	%	4,585		4,220		8.6	%
	Amortization of tax credit investments	1,637		1,637		3,376		3,503		3,151		—	%	(48.0	)%	3,274		4,149		(21.1	)%
	Other	15,204		13,474		18,738		14,915		15,405		12.8	%	(1.3	)%	28,678		30,118		(4.8	)%
	Total Non-Interest Expense	133,345		136,661		138,452		132,157		132,695		(2.4	)%	0.5	%	270,006		254,970		5.9	%
	Income Before Income Taxes	38,699		56,562		61,187		61,551		54,539		(31.6	)%	(29.0	)%	95,261		111,716		(14.7	)%
	Income tax expense	3,502		7,082		27,186		12,646		9,072		(50.6	)%	(61.4	)%	10,584		22,869		(53.7	)%
	Net Income	$	35,197	$	49,480	$	34,001	$	48,905	$	45,467	(28.9	)%	(22.6	)%	$	84,677	$	88,847	(4.7	)%
PER SHARE:
	Net income:
	Basic	$	0.20	$	0.28	$	0.19	$	0.28	$	0.26	(28.6	)%	(23.1	)%	$	0.48	$	0.51	(5.9	)%
	Diluted	0.20		0.28		0.19		0.28		0.26		(28.6	)%	(23.1	)%	0.48		0.51		(5.9	)%
	Weighted average shares (basic)	175,764		175,303		175,132		174,991		174,597		0.3	%	0.7	%	175,535		174,399		0.7	%
	Weighted average shares (diluted)	176,844		176,568		176,374		176,216		175,532		0.2	%	0.7	%	176,506		175,579		0.5	%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		June 30, 2018								March 31, 2018								June 30, 2017
		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	$	15,768,377		$	170,006		4.32%		$	15,661,032		$	162,262		4.19%		$	15,127,205		$	152,649		4.05%
	Taxable investment securities	2,262,789			13,885			2.45%		2,198,838			13,193			2.40%		2,090,120			11,473			2.20%
	Tax-exempt investment securities	408,715			3,713			3.63%		412,830			3,753			3.64%		404,680			4,394			4.34%
	Equity securities	—			—			—%		509			5			3.93%		10,759			148			5.52%
	Total Investment Securities	2,671,504			17,598			2.63%		2,612,177			16,951			2.60%		2,505,559			16,015			2.56%
	Loans held for sale	22,237			284			5.11%		20,015			216			4.31%		19,750			201			4.07%
	Other interest-earning assets	316,381			1,243			1.57%		302,783			1,172			1.55%		324,719			802			0.99%
	Total Interest-earning Assets	18,778,499			189,131			4.04%		18,596,007			180,601			3.93%		17,977,233			169,667			3.78%
Noninterest-earning assets:
	Cash and due from banks	100,811								105,733								103,078
	Premises and equipment	232,048								230,247								218,075
	Other assets	1,112,913								1,113,326								1,174,745
	Less: allowance for loan losses	(160,896		)						(169,220		)						(172,156		)
	Total Assets	$	20,063,375							$	19,876,093							$	19,300,975
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,952,115		$	4,959		0.50%		$	3,958,894		$	4,004		0.41%		$	3,690,059		$	2,780		0.30%
	Savings deposits	4,538,083			5,545			0.49%		4,494,445			4,367			0.39%		4,315,495			2,710			0.25%
	Brokered deposits	85,242			396			1.87%		74,026			276			1.51%		—			—			—%
	Time deposits	2,660,410			8,385			1.26%		2,646,779			7,803			1.20%		2,696,033			7,394			1.10%
	Total Interest-bearing Deposits	11,235,850			19,285			0.69%		11,174,144			16,450			0.60%		10,701,587			12,884			0.48%
	Short-term borrowings	1,023,160			3,036			1.18%		896,839			2,041			0.91%		633,102			974			0.61%
	FHLB advances and long-term debt	945,177			7,783			3.30%		987,315			7,878			3.21%		1,070,845			8,460			3.16%
	Total Interest-bearing Liabilities	13,204,187			30,104			0.91%		13,058,298			26,369			0.82%		12,405,534			22,318			0.72%
Noninterest-bearing liabilities:
	Demand deposits	4,281,574								4,246,168								4,387,517
	Other	330,710								347,012								326,735
	Total Liabilities	17,816,471								17,651,478								17,119,786
	Shareholders' equity	2,246,904								2,224,615								2,181,189
	Total Liabilities and Shareholders' Equity	$	20,063,375							$	19,876,093							$	19,300,975
	Net interest income/net interest margin (fully taxable equivalent)				159,027			3.39%					154,232			3.35%					147,349			3.29%
	Tax equivalent adjustment				(2,960		)						(2,914		)						(5,786		)
	Net interest income				$	156,067							$	151,318							$	141,563
	(1) Three months ended June 30, 2018 and March 31, 2018 are presented on a fully taxable-equivalent basis using a 21% Federal tax rate and statutory interest expense disallowances. Prior periods are presented on a fully taxable-equivalent basis using a 35% 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 0.69%, 0.62% and 0.53% for the three months ended June 30, 2018, March 31, 2018 and June 30, 2017, respectively.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Three Months Ended														% Change from
		Jun 30			Mar 31			Dec 31		Sep 30			Jun 30			Mar 31		Jun 30
		2018			2018			2017		2017			2017			2018		2017
Loans, by type:
	Real estate - commercial mortgage	$	6,298,534		$	6,305,821		$	6,232,674	$	6,208,630		$	6,163,844		(0.1	)%	2.2		%
	Commercial - industrial, financial and agricultural	4,335,097			4,288,634			4,263,199		4,257,075			4,221,025			1.1	%	2.7		%
	Real estate - residential mortgage	2,026,161			1,958,505			1,926,067		1,841,559			1,707,929			3.5	%	18.6		%
	Real estate - home equity	1,502,936			1,538,974			1,560,713		1,569,898			1,587,680			(2.3	)%	(5.3		)%
	Real estate - construction	978,327			984,242			1,004,166		943,029			897,321			(0.6	)%	9.0		%
	Consumer	345,572			315,927			312,320		318,546			300,967			9.4	%	14.8		%
	Leasing and other	281,750			268,930			261,046		253,330			248,439			4.8	%	13.4		%
	Total Loans, net of unearned income	$	15,768,377		$	15,661,032		$	15,560,185	$	15,392,067		$	15,127,205		0.7	%	4.2		%
Deposits, by type:
	Noninterest-bearing demand	$	4,281,574		$	4,246,168		$	4,454,456	$	4,494,897		$	4,387,517		0.8	%	(2.4		)%
	Interest-bearing demand	3,952,115			3,958,894			4,037,879		3,943,118			3,690,059			(0.2	)%	7.1		%
	Savings and money market accounts	4,538,083			4,494,445			4,752,337		4,603,155			4,315,495			1.0	%	5.2		%
	Total demand and savings	12,771,772			12,699,507			13,244,672		13,041,170			12,393,071			0.6	%	3.1		%
	Brokered deposits	85,242			74,026			105,135		89,767			—			15.2	%	100.0		%
	Time deposits	2,660,410			2,646,779			2,706,982		2,744,532			2,696,033			0.5	%	(1.3		)%
	Total Deposits	$	15,517,424		$	15,420,312		$	16,056,789	$	15,875,469		$	15,089,104		0.6	%	2.8		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	162,276		$	175,292		$	179,948	$	176,415		$	199,657		(7.4	)%	(18.7		)%
	Customer short-term promissory notes	316,049			308,725			195,951		80,147			77,554			2.4	%	N/M
	Federal funds purchased	398,297			379,822			15,374		90,453			242,375			4.9	%	64.3		%
	Short-term FHLB advances and other borrowings	146,538			33,000			11		55,326			113,516			N/M		29.1		%
	Total Short-term Borrowings	$	1,023,160		$	896,839		$	391,284	$	402,341		$	633,102		14.1	%	61.6		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Six Months Ended June 30
		2018								2017
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	15,715,001		$	332,268		4.26	%	$	14,993,129		$	299,299		4.02	%
	Taxable investment securities	2,230,991			27,078			2.43	%	2,117,733			23,387			2.21	%
	Tax-exempt investment securities	410,761			7,466			3.64	%	404,271			8,777			4.34	%
	Equity securities	253			5			8.30	%	11,247			324			5.81	%
	Total Investment Securities	2,642,005			34,549			2.62	%	2,533,251			32,488			2.57	%
	Loans held for sale	21,132			500			4.73	%	17,814			388			4.36	%
	Other interest-earning assets	309,620			2,415			1.56	%	318,542			1,644			1.03	%
	Total Interest-earning Assets	$	18,687,758		369,732			3.98	%	$	17,862,736		333,819			3.76	%
Noninterest-earning assets:
	Cash and due from banks	103,258								109,766
	Premises and equipment	231,152								217,974
	Other assets	1,113,118								1,162,254
	Less: allowance for loan losses	(165,035		)						(171,151		)
	Total Assets	$	19,970,251							$	19,181,579
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,955,485		$	8,963		0.46	%	$	3,670,603		$	5,019		0.28	%
	Savings deposits	4,516,384			9,912			0.44	%	4,255,190			4,921			0.23	%
	Brokered deposits	79,665			672			1.70	%	—			—			—	%
	Time deposits	2,653,634			16,188			1.23	%	2,717,624			14,745			1.09	%
	Total Interest-bearing Deposits	11,205,168			35,735			0.64	%	10,643,417			24,685			0.47	%
	Short-term borrowings	960,348			5,077			1.06	%	672,580			1,829			0.54	%
	FHLB advances and long-term debt	966,129			15,661			3.25	%	1,030,667			16,712			3.25	%
	Total Interest-bearing Liabilities	13,131,645			56,473			0.87	%	12,346,664			43,226			0.70	%
Noninterest-bearing liabilities:
	Demand deposits	4,263,968								4,344,859
	Other	338,817								329,076
	Total Liabilities	17,734,430								17,020,599
	Shareholders' equity	2,235,821								2,160,980
	Total Liabilities and Shareholders' Equity	$	19,970,251							$	19,181,579
	Net interest income/net interest margin (fully taxable equivalent)				313,259			3.37	%				290,593			3.28	%
	Tax equivalent adjustment				(5,874		)						(11,451		)
	Net interest income				$	307,385							$	279,142
(1) Six months ended June 30, 2018 is presented on a fully taxable-equivalent basis using a 21% Federal tax rate and statutory interest expense disallowances. Prior periods are presented on a fully taxable-equivalent basis using a 35% 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 0.65% and 0.52% for the six months ended June 30, 2018 and 2017, respectively.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Six Months Ended
		June 30
		2018			2017			% Change
Loans, by type:
	Real estate - commercial mortgage	$	6,302,157		$	6,101,836		3.3	%
	Commercial - industrial, financial and agricultural	4,311,994			4,213,094			2.3	%
	Real estate - residential mortgage	1,992,520			1,672,994			19.1	%
	Real estate - home equity	1,520,855			1,600,394			(5.0	)%
	Real estate - construction	981,269			869,299			12.9	%
	Consumer	330,831			292,704			13.0	%
	Leasing and other	275,375			242,808			13.4	%
	Total Loans, net of unearned income	$	15,715,001		$	14,993,129		4.8	%
Deposits, by type:
	Noninterest-bearing demand	$	4,263,968		$	4,344,859		(1.9	)%
	Interest-bearing demand	3,955,485			3,670,603			7.8	%
	Savings and money market accounts	4,516,384			4,255,190			6.1	%
	Total demand and savings	12,735,837			12,270,652			3.8	%
	Brokered deposits	79,665			—			100.0	%
	Time deposits	2,653,634			2,717,624			(2.4	)%
	Total Deposits	$	15,469,136		$	14,988,276		3.2	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	169,300		$	199,945		(15.3	)%
	Customer short-term promissory notes	312,407			78,348			N/M
	Federal funds purchased	389,111			275,116			41.4	%
	Short-term FHLB advances and other borrowings	89,530			119,171			(24.9	)%
	Total Short-term Borrowings	$	960,348		$	672,580		42.8	%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended															Six Months Ended
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Jun 30			Jun 30
		2018			2018			2017			2017			2017			2018			2017
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	176,019		$	176,084		$	174,749		$	174,998		$	172,647		$	176,084		$	171,325
	Loans charged off:
	Commercial - industrial, financial and agricultural	(38,632		)	(4,005		)	(5,473		)	(2,714		)	(5,353		)	(42,637		)	(10,880		)
	Consumer and home equity	(1,528		)	(1,300		)	(1,071		)	(920		)	(1,022		)	(2,828		)	(2,576		)
	Real estate - construction	(606		)	(158		)	—			(2,744		)	(774		)	(764		)	(1,021		)
	Real estate - residential mortgage	(483		)	(162		)	(152		)	(195		)	(124		)	(645		)	(340		)
	Real estate - commercial mortgage	(366		)	(267		)	(220		)	(483		)	(242		)	(633		)	(1,466		)
	Leasing and other	(545		)	(505		)	(457		)	(739		)	(1,200		)	(1,050		)	(1,839		)
	Total loans charged off	(42,160		)	(6,397		)	(7,373		)	(7,795		)	(8,715		)	(48,557		)	(18,122		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	541			1,075			941			665			1,974			1,616			6,165
	Consumer and home equity	717			385			466			445			685			1,102			1,058
	Real estate - construction	444			306			32			629			373			750			921
	Real estate - residential mortgage	96			107			186			219			151			203			381
	Real estate - commercial mortgage	321			279			178			106			934			600			1,384
	Leasing and other	152			210			175			407			249			362			386
	Recoveries of loans previously charged off	2,271			2,362			1,978			2,471			4,366			4,633			10,295
Net loans recovered charged off		(39,889		)	(4,035		)	(5,395		)	(5,324		)	(4,349		)	(43,924		)	(7,827		)
Provision for credit losses		33,117			3,970			6,730			5,075			6,700			37,087			11,500
Balance at end of period		$	169,247		$	176,019		$	176,084		$	174,749		$	174,998		$	169,247		$	174,998
Net charge-offs to average loans (annualized)		1.01		%	0.10		%	0.14		%	0.14		%	0.11		%	0.56		%	0.10		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	111,116		$	122,966		$	124,749		$	123,345		$	122,600
	Loans 90 days past due and accruing	12,628			11,676			10,010			13,124			13,143
	Total non-performing loans	123,744			134,642			134,759			136,469			135,743
	Other real estate owned	11,181			10,744			9,823			10,542			11,432
	Total non-performing assets	$	134,925		$	145,386		$	144,582		$	147,011		$	147,175
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	44,045		$	54,915		$	54,309		$	54,209		$	51,320
	Real estate - commercial mortgage	39,278			36,183			35,446			34,650			32,576
	Real estate - residential mortgage	18,888			20,169			20,972			21,643			21,846
	Consumer and home equity	12,038			12,272			11,803			12,472			13,156
	Real estate - construction	9,319			10,931			12,197			13,415			16,564
	Leasing	176			172			32			80			281
	Total non-performing loans	$	123,744		$	134,642		$	134,759		$	136,469		$	135,743
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	25,055		$	25,602		$	26,016		$	26,193		$	26,368
	Real-estate - commercial mortgage	16,420			18,181			13,959			14,439			13,772
	Consumer and home equity	16,212			16,091			15,584			14,822			12,064
	Commercial - industrial, financial and agricultural	11,199			11,740			10,820			7,512			8,086
	Real estate - construction	—			—			—			169			1,475
	Total accruing TDRs	$	68,886		$	71,614		$	66,379		$	63,135		$	61,765
	Non-accrual TDRs (1)	24,743			24,897			29,051			28,742			29,373
	Total TDRs	$	93,629		$	96,511		$	95,430		$	91,877		$	91,138
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:		Total Delinquency %
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
		2018		2018		2017		2017		2017
	Real estate - commercial mortgage	0.77	%	0.77	%	0.77	%	0.75	%	0.66	%
	Commercial - industrial, financial and agricultural	1.44	%	1.48	%	1.50	%	1.54	%	1.43	%
	Real estate - construction	1.02	%	1.12	%	1.32	%	1.50	%	1.82	%
	Real estate - residential mortgage	1.90	%	1.91	%	2.04	%	2.25	%	2.08	%
	Consumer, home equity, leasing and other	1.22	%	1.20	%	1.37	%	1.38	%	1.34	%
	Total	1.18	%	1.19	%	1.24	%	1.28	%	1.20	%

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															Six Months Ended
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30			Jun 30			Jun 30
		2018			2018			2017			2017			2017			2018			2017
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,245,785		$	2,235,493		$	2,229,857		$	2,225,786		$	2,191,770
Less: Goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,714,229		$	1,703,937		$	1,698,301		$	1,694,230		$	1,660,214
Shares outstanding, end of period (denominator)		175,847			175,404			175,170			175,057			174,740
Shareholders' equity (tangible), per share		$	9.75		$	9.71		$	9.70		$	9.68		$	9.50
Return on average shareholders' equity (tangible)
Net income (numerator)		$	35,197		$	49,480		$	34,001		$	48,905		$	45,467		$	84,677		$	88,847
Average shareholders' equity		$	2,246,904		$	2,224,615		$	2,237,031		$	2,215,389		$	2,181,189		$	2,235,821		$	2,160,980
Less: Average goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Average tangible shareholders' equity (denominator)		$	1,715,348		$	1,693,059		$	1,705,475		$	1,683,833		$	1,649,633		$	1,704,265		$	1,629,424
Return on average shareholders' equity (tangible), annualized		8.23		%	11.85		%	7.91		%	11.52		%	11.06		%	10.02		%	11.00		%
Tangible Common Equity to Tangible Assets (TCE Ratio)
Shareholders' equity		$	2,245,785		$	2,235,493		$	2,229,857		$	2,225,786		$	2,191,770
Less: Intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,714,229		$	1,703,937		$	1,698,301		$	1,694,230		$	1,660,214
Total assets		$	20,172,539		$	19,948,941		$	20,036,905		$	20,062,860		$	19,647,435
Less: Intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Total tangible assets (denominator)		$	19,640,983		$	19,417,385		$	19,505,349		$	19,531,304		$	19,115,879
Tangible Common Equity to Tangible Assets		8.73		%	8.78		%	8.71		%	8.67		%	8.68		%
Efficiency ratio
Non-interest expense		$	133,345		$	136,661		$	138,452		$	132,157		$	132,695		$	270,006		$	254,970
Less: Amortization on tax credit investments		(1,637		)	(1,637		)	(3,376		)	(3,503		)	(3,151		)	(3,274		)	(4,149		)
Non-interest expense (numerator)		$	131,708		$	135,024		$	135,076		$	128,654		$	129,544		$	266,732		$	250,821
Net interest income (fully taxable equivalent)		$	159,027		$	154,232		$	155,253		$	152,721		$	147,349		$	313,259		$	290,593
Plus: Total Non-interest income		49,094			45,875			56,956			51,974			52,371			94,969			99,044
Less: Investment securities gains		(4		)	(19		)	(1,932		)	(4,597		)	(1,436		)	(23		)	(2,542		)
Net interest income (denominator)		$	208,117		$	200,088		$	210,277		$	200,098		$	198,284		$	408,205		$	387,095
Efficiency ratio		63.29		%	67.48		%	64.24		%	64.30		%	65.33		%	65.34		%	64.80		%
Non-performing assets to tangible shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	134,925		$	145,386		$	144,582		$	147,011		$	147,175
Tangible shareholders' equity		$	1,714,229		$	1,703,937		1,698,301			1,694,230			$	1,660,214
Plus: Allowance for credit losses		169,247			176,019			176,084			174,749			174,998
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,883,476		$	1,879,956		$	1,874,385		$	1,868,979		$	1,835,212
Non-performing assets to tangible shareholders' equity and allowance for credit losses		7.16		%	7.73		%	7.71		%	7.87		%	8.02		%

Pre-provision net revenue
Net interest income	$	156,067		$	151,318		$	149,413		$	146,809		$	141,563		$	307,385		$	279,142
Non-interest income	49,094			45,875			56,956			51,974			52,371			94,969			99,044
Less: Investment securities gains	(4		)	(19		)	(1,932		)	(4,597		)	(1,436		)	(23		)	(2,542		)
Total revenue	$	205,157		$	197,174		$	204,437		$	194,186		$	192,498		$	402,331		$	375,644
Non-interest expense	$	133,345		$	136,661		$	138,452		$	132,157		$	132,695		$	270,006		$	254,970
Less: Amortization on tax credit investments	(1,637		)	(1,637		)	(3,376		)	(3,503		)	(3,151		)	(3,274		)	(4,149		)
Total non-interest expense	$	131,708		$	135,024		$	135,076		$	128,654		$	129,544		$	266,732		$	250,821
Pre-provision net revenue	$	73,449		$	62,150		$	69,361		$	65,532		$	62,954		$	135,599		$	124,823
Reconciliation of Net Income; Net Income per share, diluted; and Selected Financial Ratios, adjusted to exclude the Tax Charge recognized in the fourth quarter of 2017 related to the re-measurement of net deferred tax assets:
Net income and Net income per share, diluted
Net income							$	34,001
Plus: Re-measurement of net deferred tax assets							15,634
Net Income, adjusted (numerator)							$	49,635
Weighted average shares (diluted)							176,374
Net income per share, diluted							$	0.28
Return on average assets
Net income							$	34,001
Plus: Re-measurement of net deferred tax assets							15,634
Net Income, adjusted (numerator)							$	49,635
Average assets (denominator)							$	20,072,579
Return on average assets, annualized							0.98		%
Return on average shareholders' equity
Net income							$	34,001
Plus: Re-measurement of net deferred tax assets							15,634
Net Income, adjusted (numerator)							$	49,635
Average shareholders' equity (denominator)							$	2,237,031
Return on average shareholders' equity, annualized							8.80		%
Return on average shareholders' equity (tangible)
Net Income, as reported							$	34,001
Plus: Re-measurement of net deferred tax assets							15,634
Net Income, adjusted (numerator)							$	49,635
Average shareholders' equity							$	2,237,031
Less: Average goodwill and intangible assets							(531,556		)
Average tangible shareholders' equity (denominator)							$	1,705,475
Return on average shareholders' equity (tangible), annualized							11.55		%

EX-99.3

2018 SECOND QUARTER RESULTS NASDAQ: FULT D A T A A S O F J U N E 3 0 , 2 0 1 8 U N L E S S O T H E R W I S E N O T E D

FORWARD-LOOKING STATEMENTS This presentation 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," “projects,” the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation’s business or financial results. Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward- looking statements related to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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, 2017 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2018, 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

SECOND QUARTER RESULTS Net income per diluted share: $0.20 in 2Q18, 28.6% decrease from 1Q18 and 23.1% decrease from 2Q17. Pre-Provision Net Revenue(1): $73.4 million, 18.2% increase from 1Q18 and 16.7% increase from 2Q17 Linked Quarter Loan and Core Deposit Growth: 0.7% increase in average loans, while average demand and savings deposits increased 0.6% Net Interest Income & Margin: Net interest income increased 3.1%, reflecting the impact of a 4 basis point increase in net interest margin and balance sheet growth Non-Interest Income(2) & Non-Interest Expense: 7.1% increase in non-interest income and 2.4% decrease in non- interest expense Asset Quality: $29.1 million increase in provision for credit losses, driven by a $36.8 million addition to provision for credit losses related to one commercial relationship. Year-over-Year Loan and Core Deposit Growth: 4.2% increase in average loans and 3.1% increase in average demand and savings deposits Net Interest Income & Margin: 10.2% increase in net interest income, reflecting the impact of a 10 basis point increase in net interest margin and balance sheet growth Non-Interest Income(2) & Non-Interest Expense: 3.6% decrease in non-interest income and 0.5% increase in non- interest expense Asset Quality: $26.4 million increase in provision for credit losses, for reasons noted above (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reason for using the measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. (2) Excludinginvestment securities gains. 3

Change from 2Q18 1Q18 2Q17 INCOME STATEMENT SUMMARY (dollars in thousands, except per-share data) Net Interest Income 156,067 $ 4,749 $ 1 4,504 Provision for Credit Losses 3 3,117
N e t In c2om9e,o1f 4$375.2 mil lio n , 2 8 .9 % d e2cr6ea,s4e f1ro7m 1Q18 and 22.6% Non-Interest Income 4 9,090 de c r e as e 3 fr,o2m 32Q417. ( 1,845) Securities Gains 4 (15) ( 1,432) Non-Interest Expense 133,345
N e t I n te( r3es,t 3Inc1om6e) 650 Income before Income Taxes 3 8,699 (17,863) (15,840)  From 1Q18: Increase of 3.1%, driven by loan and deposit growth and the Income Taxes 3,502 ( 3,580) ( 5,570) impact of a 4 basis point increase in NIM Net Income $ 35,197 $ (14,283) $ (10,270)  From 2Q17: Increase of 10.2%, driven by loan growth and the impact of a ten basis point increase in NIM Net income per share (diluted) $ 0.20 $ ( 0.08) $ ( 0.06)
Provision for Credit Losses (1) ROA 0.70%  2Q 18 (in0clu.d3ed1 a% $36).8 m il li on p ro v is io( n0 fo.r2 cr4ed%it lo)sses related to one commercial relationship and a $3.7 million negative provision for credit ROE (2) 6.28% lo s se s( , m2a.in7ly4 d%ue t)o pay o f fs o f c e rt ai( n2 lo.a0ns8 th%at h)ad allowance for credit loss allocations in prior periods and improving overall credit (3) metrics ROE (tangible) 8.23% ( 3.62%) ( 2.83%) Efficiency ratio (3) 63.3% N on - In t e(re4st. I2nc%om)e (2.0%)  From 1Q18: 7.1% increase driven by commercial loan interest rate swap fees ($1.1 million), mortgage banking revenues ($1.0 million), seasonal increases in merchant fees ($0.8 million) and gains on sales of Small Business Administration (SBA) loans ($0.8 million).  From 2Q17: 3.6% decrease driven by decreases in commercial loan swap fee income ($1.4 million), overdraft fees ($0.5 million) and mortgage banking income ($1.0 million) largely due to reversal of MSR valuation allowance in 2Q17.
Non-Interest Expenses  From 1Q18: 2.4% decrease driven by decreases in professional fees, occupancy costs and salaries and benefits expense.  From 2Q17: Relatively flat with the most notable increase in data processing and software, offset by a decrease in professional fees.
Income Taxes 9.0% effective tax rate (ETR) in 2Q18 vs. 12.5% in 1Q18 and 16.6% in 2Q17. (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets, annualized. (2) ROE is return on average shareholders’ equity determined by dividing net income for the period indicated by average shareholders’ equity, annualized. (3) 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. 4

NET INTEREST INCOME AND MARGIN Net Interest Income & Net Interest Margin Average Interest-Earning Assets & Yields ($ IN MILLIONS) ($ IN BILLIONS) $20.0 6.00% 3.93% 4.04% $15.0 3.78% 3.80% 3.83% 4.00% $15.8 $15.6 $15.7 $10.0 $15.1 $15.4 2.00% $5.0 ~ $730 million $2.8 $3.1 $3.2 $2.9 $3.0 $- 0.00% 2Q17 3Q17 4Q17 1Q18 ~2 $Q6108 million Securities & Other Loans Earni ng Asset Yield (FT E) Average Liabilities & Rates ($ IN BILLIONS) $20.0 0.91% 1.00% $1.9 $1.4 $1.4 $1.7 $2.0 0.80% $15.0 0.82% 0.77% 0.78% 0.72% 0.60% $10.0 0.40% $15.9 $16.1 $5.0 $15.4 $15.5 $15.1 0.20% 5 $- 0.00% 2Q17 3Q17 4Q17 1Q18 2Q18 Deposits Borrow ings Cost of Intere st-bearing Liabilities

ASSET QUALITY ($ IN MILLIONS) Provision for Credit Losses Non-Performing Loans (NPLs) & NPLs to Loans $160.0 2.00% $40.0 $135.7 $136.5 $134.8 $134.6 $33.1 $123.7 $120.0 1.50% $30.0 $20.0 $80.0 1.00% 0.88% 0.88% 0.85% 0.86% $40.0 0.78% 0.50% $10.0 $6.7 $6.7 $5.1 $4.0 $- $0.0 0.00% 2Q17 3Q17 4Q17 1Q18 2Q18(1) 2Q17 3Q17 4Q17 1Q18 2Q18 NPL NPLs/Loans Net Charge-offs (NCOs) and NCOs to Average Loans Allowance for Credit Losses (Allowance) to NPLs & Loans 150.0% 137% 3.00% $60.0 1.25% 129% 128% 131% 131% 1.01% 1.05% 125.0% $39.9 0.85% 100.0% 2.00% $40.0 0.65% 75.0% 0.45% 0.14% $20.0 0.14% 50.0% 1.00% 0.11% 0.10% 0.25% 1.14% 1.13% 1.12% 1.12% 1.07% 0.05% 25.0% $4.3 $5.3 $5.4 $4.0 $- -0.15% 0.0% 0.00% 2Q17 3Q17 4Q17 1Q18 2Q18(2) 2Q17 3Q17 4Q17 1Q18 2Q18 NCOs NCOs/Average Loans (annualized) Allowance/NPLs Allowance/Loans (1) Includes a $36.8 million provision for credit loss related to one commercial relationship recorded in 2Q18. (2) Includes a $33.9 million charge-off related to one commercial relationship incurred in 2Q18. 6

NON-INTEREST INCOME ($ IN MILLIONS) Non-Interest Income, Excluding Securities Gains Mortgage Banking Income & Spreads $7.0 4.00% $6.1 $6.0 3.50% $5.2 $4.8 3.00% $5.0 $4.4 $4.2 2.50% $4.0 2.00% $3.0 1.50% $2.0 1.62% 1.44% 1.36% 1.30% 1.00% 1.11% $1.0 0.50% $60.0 $- 0.00% 2Q17(2) ~ $373Q01 7 4Q17 1Q18 2Q18 million Gains on Sales Servicing Income Spread on Sales (1) $50.0 ~ $610 million $40.0 Other Non-Interest Income $30.0 $55.0 $50.9 $50.6 $49.1 $50.0 $47.4 $44.8 $43.9 $41.7 $45.9 $42.6 $40.0 $20.0 $30.0 $10.0 $20.0 $10.0 (1) Represents Gains on Sales divided by total new commitments to originate residential mortgage loans for customers. (2) $- Servicing income includes $1.3 million mortgage servicing rights recovery in 2Q17. $- 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 Invt Mgmt & Trust Srvs Deposit Srv Chgs Oth Srv Chgs Other 7

NON-INTEREST EXPENSES ($ IN MILLIONS) Non-Interest Expense & Efficiency Ratio (1) Salaries and Employee Benefits & Staffing $80.0 $75.8 3,700 $74.5 $72.9 $73.5 $74.9 $160.0 80.0% $70.0 3,600 $60.0 3,580 3,550 3,500 $140.0 70.0% $50.0 3,400 $40.0 67.5% 65.3% ~ $730 3,300 $120.0 64.2% 63.3% 60.0% $30.0 64.3% million 3,200 $20.0 3,100 $100.0 50.0% $10.0 ~ $610 $138.5 $136.7 million $- 3,000 $132.7 $132.2 $133.3 2Q17 3Q17 4Q17 1Q18 2Q18 $80.0 40.0% Total Salarie s Employee BeOneftiths er Non-InAtverarge Fsullt-t imEex Eqpuievalne nst Eemsployees $60.0 30.0% $40.0 20.0% $70.0 $65.0 $60.9 $60.0 $58.2 $59.3 $58.4 $20.0 10.0% $50.0 $- 0.0% $40.0 2Q17 3Q17 4Q17 1Q18 2Q18 $30.0 $20.0 $10.0 (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. 2Q17 3Q17 4Q17 1Q18 2Q18 Occp & Equip Data Processing & Software Outside Srvs Other 8

PROFITABILITY & CAPITAL ROA(1) ROE and ROE (tangible)(2) 1.20% 0.98% 1.01% 1.00% 0.94% 11.52% 11.85% 12.00% 11.06% 0.80% 0.67% 0.70% 0.60% 8.76% 9.02% 8.36% 7.91% 8.23% 0.40% 8.00% 6.03% 6.28% 0.20% 0.00% 4.00% 2Q17 3Q17 4Q17(3) 1Q18 2Q18 Tangible Common Equity Ratio(2) 0.00% Net Income Per Diluted Share 2Q17 3Q17 4Q17(3) 1Q18 2Q18 12.0% $0.30 ROE ROE (ta$n0g.i2bl8e ) $0.28 $0.26 8.7% 8.7% 8.7% 8.8% 8.7% $0.25 $0.20 8.0% $0.19 $0.20 $0.15 4.0% $0.10 $0.05 0.0% $- 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17(3) 1Q18 2Q18 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets, annualized. (2) 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. (3) 4Q17 reflects the impact of the $15.6 million charge to income taxes related to the re-measurement of net deferred tax assets. 9

2018 OUTLOOK Changes from the outlook as of the end of the first quarter of 2018 have been underlined. • Loans & Deposits: Average annual loan and core deposit growth rates in the low to mid single- digits • Asset Quality: Provision will reflect impacts of changes in asset quality measures, risk rating migration, and the results of our allowance allocation methodology, as well as loan growth • Non-Interest Income(1): Flat to low single-digit growth • Non-Interest Expense: Including amortization of tax free investments, low single-digit growth rate • Capital: Focus on utilizing capital to support loan growth and provide appropriate returns to shareholders • Net Interest Margin: For the full year 2018, the outlook for NIM is an increase of 7 to 12 basis points over 2017, including the impact of tax reform on tax equivalent net interest income • Effective Tax Rate: Anticipated to range between 11% to 14% depending on level of tax credits realized (1) Excluding securities gains and the litigation settlement of $5.1 million recognized in the fourth quarter of 2017 10

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. Three Months Ended Jun 30 Sep 30 Dec 31 Mar 31 Jun 30 2017 2017 2017 2018 2018 Efficiency ratio Non-interest expense $ 1 32,695 $ 1 32,157 $ 1 38,452 $ 1 36,661 $ 1 33,345 Less: Amortization of tax credit investments (3,151) (3,503) (3,376) (1,637) (1,637) Non-interest expense (numerator) $ 1 29,544 $ 1 28,654 $ 1 35,076 $ 1 35,024 $ 1 31,708 Net interest income (fully taxable-equivalent) $ 1 47,349 $ 1 52,721 $ 1 55,253 $ 1 54,232 $ 1 59,027 Plus: Total Non-interest income 52,371 51,974 56,956 45,875 49,094 Less: Investment securities gains (1,436) (4,597) (1,932) (19) (4) Net interest income (denominator) $ 1 98,284 $ 2 00,098 $ 2 10,277 $ 2 00,088 $ 2 08,117 Efficiency ratio 65.3% 64.3% 64.2% 67.5% 63.3% Three Months Ended Jun 30 Sep 30 Dec 31 Mar 31 Jun 30 2017 2017 2017 2018 2018 Return on Average Shareholders' Equity (ROE) (Tangible) Net income (numerator) $ 45,467 $ 48,905 $ 34,001 $ 49,480 $ 35,197 Average shareholders' equity $ 2,181,189 $ 2,215,389 $ 2,237,031 $ 2,224,615 $ 2,246,904 Less: Average goodwill and intangible assets (531,556) (531,556) (531,556) (531,556) (531,556) Average tangible shareholders' equity (denominator) $ 1,649,633 $ 1,683,833 $ 1,705,475 $ 1,693,059 $ 1,715,348 Return on average shareholders' equity (tangible), annualized 11.06% 11.52% 7.91% 11.85% 8.23% 11

NON-GAAP RECONCILIATION (CONTINUED) Jun 30 Sep 30 Dec 31 Mar 31 Jun 30 2017 2017 2017 2018 2018 Tangible Common Equity to Tangible Assets (TCE Ratio) (dollars in thousands) Shareholders' equity $ 2,191,770 $ 2,225,786 $ 2 ,229,857 $ 2,235,493 $ 2,245,785 Less: Intangible assets (531,556) ( 531,556) (531,556) ( 531,556) ( 531,556) Tangible shareholders' equity (numerator) $ 1,660,214 $ 1,694,230 $ 1 ,698,301 $ 1,703,937 $ 1,714,229 Total assets $ 1 9,647,435 $ 20,062,860 $ 20,036,905 $ 19,948,941 $ 20,172,539 Less: Intangible assets (531,556) ( 531,556) (531,556) ( 531,556) ( 531,556) Total tangible assets (denominator) $ 1 9,115,879 $ 19,531,304 $ 19,505,349 $ 19,417,385 $ 19,640,983 Tangible Common Equity to Tangible Assets 8.7% 8.7% 8.7% 8.8% 8.7% Three Months Ended Jun 30 SEP 30 Dec 31 Mar 31 Jun 30 2017 2017 2017 2018 2018 Pre-Provision Net Revenue (in thousands) Net interest income $ 1 41,563 $ 146,809 $ 149,413 $ 151,318 $ 156,067 Non-interest income 52,371 5 1,974 56,956 4 5,875 4 9,094 Less: Investment securities gains (1,436) (4,597) ( 1,932) (19) ( 4) Total Revenue $ 1 92,498 $ 194,186 $ 204,437 $ 197,174 $ 205,157 Non-interest expense $ 1 32,695 $ 132,157 $ 138,452 $ 136,661 $ 133,345 Less: Amortization of tax credit investments (3,151) (3,503) ( 3,376) (1,637) (1,637) Total Non-interest expense $ 1 29,544 $ 128,654 $ 135,076 $ 135,024 $ 131,708 Pre-Provision Net Revenue $ 62,954 $ 65,532 $ 6 9,361 $ 62,150 $ 73,449 12

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