Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura Wakeley (717) 291-2616

Investor Contact: Matt Jozwiak (717) 327-2657

Fulton Financial Announces Second Quarter 2021 Results

(July 20, 2021) – Lancaster, PA – Fulton Financial Corporation (NASDAQ:FULT) (“Fulton” or the “Corporation”) reported net income available to common shareholders of $62 million, or $0.38 per diluted share, for the second quarter of 2021.

"In the second quarter, Fulton Financial again achieved solid performance,” said E. Philip Wenger, Chairman and CEO of Fulton Financial Corporation. "Our results reflect stable to improving core business trends, a disciplined operating environment, growth in wealth management revenues and stable asset quality.”

Net Interest Income and Balance Sheet

Net interest income for the second quarter of 2021 was $162 million, $2 million lower than the first quarter of 2021. Net interest margin for the second quarter of 2021 decreased 6 basis points, to 2.73%, from 2.79% in the first quarter of 2021. The decreases in net interest income and net interest margin in comparison to the first quarter of 2021 were primarily due to lower fee income recognized related to the Paycheck Protection Program ("PPP") loans, which were $12 million in the second quarter of 2021 compared to $19 million for the first quarter of 2021, as well as lower yields on loans.

Total average interest-earning assets for the second quarter of 2021 were $24 billion, a decrease of $2 million from the first quarter of 2021, driven by a decline in PPP loans and other interest-earning assets, partially offset by growth in the commercial and residential real estate loan portfolios as well as investment securities. Average Net Loans1, which include loans originated under the PPP, were $18.9 billion, a decrease of $74 million compared to the first quarter of 2021. Average PPP loans were $1.5 billion for the second quarter of 2021 compared to $1.7 billion for the first quarter of 2021. Second quarter loan balances were impacted by the net effect of $639 million of PPP loans forgiven and $60 million of new loans originated under the third phase of the PPP in the second quarter of 2021.

1Loans and lease receivables, (net of unearned income)

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Average loans and yields, by type, for the second quarter of 2021 in comparison to the first quarter of 2021 are summarized in the following table:

	Three months ended
	June 30, 2021				March 31, 2021				Growth
	Balance		Yield (1)		Balance		Yield (1)		$		%
	(dollars in thousands)
Average Net Loans by type:
Real estate - commercial mortgage	$	7,177,622	3.16	%	$	7,128,997	3.15	%	$	48,625	0.7	%
Commercial and industrial(2)	5,445,160		2.58	%	5,722,080		2.57	%	(276,920)		(4.8)	%
Real estate - residential mortgage	3,396,690		3.39	%	3,183,585		3.52	%	213,105		6.7	%
Real estate - home equity	1,139,558		3.71	%	1,175,218		3.75	%	(35,660)		(3.0)	%
Real estate - construction	1,054,469		3.05	%	1,054,718		3.09	%	(249)		(0.0)	%
Consumer	451,486		3.89	%	459,038		4.13	%	(7,552)		(1.6)	%
Equipment lease financing	256,248		3.74	%	266,405		4.11	%	(10,157)		(3.8)	%
Other(3)	(14,677)		N/A		(9,455)		N/A		(5,222)		55.2	%
Total Average Net Loans	$	18,906,556	3.32	%	$	18,980,586	3.53	%	$	(74,030)	(0.4)	%
(1) Presented on a fully-taxable equivalent basis using a 21% Federal tax rate and statutory interest expense disallowances.
(2) Includes average PPP loans of $1.5 billion and $1.7 billion for the three months ended June 30, 2021 and March 31, 2021, respectively.
(3) Consists of overdrafts and net origination fees and costs.

Total average liabilities decreased $98 million, to $23.3 billion, in the second quarter of 2021 compared to the first quarter of 2021 driven by decreases in short-term and long-term borrowings, partially offset by increases in average deposits. Average deposits and interest rates, by type, for the second quarter of 2021 in comparison to the first quarter of 2021 are summarized in the following table:

	Three months ended
	June 30, 2021				March 31, 2021				Growth
	Balance		Rate		Balance		Rate		$		%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	7,203,696	—		$	6,672,832	—		$	530,864	8.0	%
Interest-bearing demand	5,979,855		0.06	%	5,832,174		0.08	%	147,681		2.5	%
Savings	6,280,629		0.09	%	6,137,084		0.10	%	143,545		2.3	%
Total average demand and savings	19,464,180		0.05	%	18,642,090		0.06	%	822,090		4.4	%
Brokered	297,815		0.34	%	324,364		0.49	%	(26,549)		(8.2)	%
Time	2,003,606		1.09	%	2,150,570		1.23	%	(146,964)		(6.8)	%
Total Average Deposits	$	21,765,601	0.15	%	$	21,117,024	0.18	%	$	648,577	3.1	%

Asset Quality

In the second quarter of 2021, a negative provision for credit losses of $4 million was recognized, as compared to a negative provision for credit losses of $6 million recognized in the first quarter of 2021. A $20 million provision for credit losses was recognized in the second quarter of 2020. Consistent with the first quarter of 2021, improved economic forecasts and a decrease in specific allocations within the

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allowance for credit losses for loans evaluated individually reduced the level of the allowance for credit losses determined to be necessary at the end of the second quarter of 2021.

The $20 million provision for credit losses in the second quarter of 2020 reflected expected credit losses based on economic forecasts as of the end of the second quarter of 2020 and the assessment of the estimated impacts of the COVID-19 pandemic at that time.

Non-performing assets were $157 million, or 0.60% of total assets, at June 30, 2021, compared to $156 million, or 0.60% of total assets, and $145 million, or 0.59% of total assets at March 31, 2021 and June 30, 2020, respectively.

Annualized net charge-offs for the quarter ended June 30, 2021 were 0.15% of total average loans, compared to 0.13% and 0.09% for the quarters ended March 31, 2021 and June 30, 2020, respectively.

Non-interest Income

Non-interest income in the second quarter of 2021, excluding investment securities gains, was $52 million, a decrease of $10 million, or 16%, from the first quarter of 2021, primarily driven by decreases of $11 million in mortgage banking income and a $1 million decrease in capital markets income. The decrease in mortgage banking income was due to lower mortgage sales and gain-on-sale spreads on loans sold, as well as a $2 million addition to the valuation allowance for mortgage servicing assets. The $1 million decrease in capital markets income was the result of lower commercial loan interest rate swap revenues.

Compared to the second quarter of 2020, non-interest income, excluding investment securities gains, in the second quarter of 2021 decreased $1 million, or 2%, from $53 million, primarily driven by a $7 million decrease in mortgage banking income, resulting from a combination of lower mortgage sales gains and higher rates. During the second quarter of 2020, mortgage banking income was higher as a result of lower mortgage interest rates which drove an increase in activity. The decrease in mortgage banking income was partially offset by a $4 million increase in wealth management income and a $2 million increase in consumer banking income.

Net investment securities gains were $33 million lower compared to the first quarter of 2021. In the first quarter of 2021, Fulton completed a balance sheet restructuring involving gains on sales of Visa, Inc. Class B restricted shares of $34 million, which were offset in non-interest expense by corresponding debt extinguishment costs of $32 million, other securities losses of $0.4 million and a write-off of $1 million recognized in net interest income in connection with the purchase of certain of the Corporation's outstanding senior and subordinated notes and the prepayment of term Federal Home Loan Bank advances.

Non-interest Expense

Non-interest expense was $141 million in the second quarter of 2021, a decrease of $38 million compared to the first quarter of 2021, with the decrease driven by costs recognized during the first quarter of 2021 associated with the aforementioned balance sheet restructuring.

Compared to the second quarter of 2020, non-interest expense decreased $2 million, or 2%, in the second quarter of 2021, due primarily to a decrease in salaries and employee benefits and debt

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extinguishment costs. In the second quarter of 2020 a $3 million prepayment penalty on redemption of FHLB advances was incurred. These decreases were partially offset by increases in multiple other non-interest expense categories.

Income Tax Expense

The effective income tax rate (ETR) was 16% for both the second and first quarters of 2021 as compared to 14% for second quarter of 2020. The increase was a result of higher income before income taxes, while net favorable permanent differences were relatively the same compared to the second quarter of 2020.

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, including future credit losses, 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 relate 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, 2020, Quarterly Report on Form 10-Q for the quarter ended March 31, 2021 and other current and periodic reports, which have been or will be filed with the Securities and Exchange Commission and are or will be available in the Investor Relations section of the

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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.

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FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)
in thousands, except per-share data and percentages
	Three months ended
	Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
	2021		2021		2020		2020		2020
Ending Balances
Investments	$	3,921,658	$	3,612,010	$	3,340,424	$	3,097,721	$	2,974,813
Net Loans	18,586,756		18,990,986		18,900,820		19,028,621		18,704,722
Total assets	26,079,774		25,892,990		25,906,733		25,543,281		24,617,863
Deposits	21,724,312		21,633,838		20,839,207		20,730,051		19,884,208
Shareholders' equity	2,692,958		2,629,655		2,616,828		2,390,261		2,340,501
Average Balances
Investments	$	3,670,333	$	3,448,166	$	3,221,289	$	2,977,672	$	3,096,632
Net Loans	18,906,556		18,980,586		18,994,514		18,880,519		18,331,797
Total assets	26,017,542		26,082,816		25,749,405		25,169,508		24,139,116
Deposits	21,765,601		21,117,024		20,791,522		20,388,447		19,276,658
Shareholders' equity	2,669,413		2,637,098		2,544,866		2,374,091		2,309,133
Income Statement
Net interest income	$	162,399	$	164,448	$	161,591	$	154,116	$	152,754
Provision for credit losses	(3,500)		(5,500)		6,240		7,080		19,570
Non-interest income	51,890		95,397		55,574		63,248		55,922
Non-interest expense	140,831		178,384		154,737		139,147		143,006
Income before taxes	76,958		86,961		56,187		71,137		46,101
Net income available to common shareholders	62,402		70,472		48,690		61,607		39,559
Pre-provision net revenue(1)	75,575		81,795		64,092		80,043		67,125
Per Share
Net income available to common shareholders (basic)	$	0.38	$	0.43	$	0.30	$	0.38	$	0.24
Net income available to common shareholders (diluted)	$	0.38	$	0.43	$	0.30	$	0.38	$	0.24
Cash dividends	$	0.14	$	0.14	$	0.17	$	0.13	$	0.13
Common shareholders' equity	$	15.34	$	14.99	$	14.93	$	14.74	$	14.45
Common shareholders' equity (tangible)(1)	$	12.05	$	11.69	$	11.62	$	11.44	$	11.15
Weighted average shares (basic)	162,785		162,441		162,242		162,061		161,715
Weighted average shares (diluted)	163,858		163,737		163,071		162,579		162,267
(1) Non-GAAP financial measure. Refer to the calculation on the page titled “Reconciliation of Non-GAAP Measures” at the end of this document.

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	Three months ended
	Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
	2021		2021		2020		2020		2020
Asset Quality
Net charge-offs (recoveries) to average loans (annualized)	0.15	%	0.13	%	(0.07)	%	(0.05)	%	0.09	%
Non-performing loans to total loans	0.83	%	0.80	%	0.78	%	0.75	%	0.75	%
Non-performing assets to total assets	0.60	%	0.60	%	0.58	%	0.57	%	0.59	%
ACL - loans(2) to total loans	1.37	%	1.40	%	1.47	%	1.40	%	1.37	%
ACL - loans(2) to non-performing loans	166	%	174	%	189	%	188	%	183	%
Asset Quality, excluding PPP(1)(3)
Net charge-offs (recoveries) to adjusted average loans (annualized)	0.16	%	0.14	%	(0.08)	%	(0.06)	%	0.10	%
Non-performing loans to total adjusted loans	0.88	%	0.88	%	0.85	%	0.83	%	0.83	%
ACL - loans(2) to total adjusted loans	1.46	%	1.54	%	1.60	%	1.56	%	1.53	%
Profitability
Return on average assets	1.00	%	1.14	%	0.79	%	0.97	%	0.66	%
Return on average common shareholders' equity	9.38	%	10.84	%	7.61	%	10.32	%	6.89	%
Return on average common shareholders' equity (tangible)(1)	12.93	%	15.00	%	10.32	%	13.50	%	8.99	%
Net interest margin	2.73	%	2.79	%	2.75	%	2.70	%	2.81	%
Efficiency ratio(1)	63.8	%	63.0	%	62.5	%	62.3	%	66.4	%
Capital Ratios
Tangible common equity ratio(1)	7.7	%	7.5	%	7.4	%	7.4	%	7.5	%
Tier 1 leverage ratio(4)	8.4	%	8.3	%	8.2	%	7.4	%	7.6	%
Common equity Tier 1 capital ratio(4)	9.9	%	9.8	%	9.5	%	9.5	%	9.5	%
Tier 1 capital ratio(4)	10.9	%	10.8	%	10.5	%	9.5	%	9.5	%
Total risk-based capital ratio(4)	14.3	%	14.2	%	14.4	%	13.9	%	13.8	%
(1) Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this document.
(2) "ACL - loans" relates to the allowance for credit losses ("ACL") specifically on "Net Loans" and does not include the ACL related to off-balance-sheet ("OBS") credit exposures.
(3) Asset quality information excluding Paycheck Protection Program ("PPP") loans. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this document.
(4) Regulatory capital ratios as of June 30, 2021 are preliminary and prior periods are actual.

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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
		2021		2021		2020		2020		2020		2021		2020
ASSETS
	Cash and due from banks	$	143,002	$	102,570	$	120,462	$	139,304	$	141,702	39.4	%	0.9	%
	Other interest-earning assets	1,823,688		1,625,515		1,819,499		1,489,550		1,007,939		12.2	%	80.9	%
	Loans held for sale	41,924		34,092		83,886		93,621		77,415		23.0	%	(45.8)	%
	Investment securities	3,921,658		3,612,010		3,340,424		3,097,721		2,974,813		8.6	%	31.8	%
	Net Loans	18,586,756		18,990,986		18,900,820		19,028,621		18,704,722		(2.1)	%	(0.6)	%
	Less: ACL - loans(1)	(255,032)		(265,986)		(277,567)		(266,825)		(256,537)		(4.1)	%	(0.6)	%
	Loans, net	18,331,724		18,725,000		18,623,253		18,761,796		18,448,185		(2.1)	%	(0.6)	%
	Net, premises and equipment	228,353		229,035		231,480		236,943		239,596		(0.3)	%	(4.7)	%
	Accrued interest receivable	63,232		65,649		72,942		70,766		73,720		(3.7)	%	(14.2)	%
	Goodwill and intangible assets	536,847		536,544		536,659		534,907		535,039		0.1	%	0.3	%
	Other assets	989,346		962,575		1,078,128		1,118,673		1,119,454		2.8	%	(11.6)	%
	Total Assets	$	26,079,774	$	25,892,990	$	25,906,733	$	25,543,281	$	24,617,863	0.7	%	5.9	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	21,724,312	$	21,633,838	$	20,839,207	$	20,730,051	$	19,884,208	0.4	%	9.3	%
	Short-term borrowings	533,749		520,989		630,066		611,727		572,551		2.4	%	(6.8)	%
	Other liabilities	501,542		482,101		524,369		515,230		525,407		4.0	%	(4.5)	%
	Long-term borrowings	627,213		626,407		1,296,263		1,296,012		1,295,196		0.1	%	(51.6)	%
	Total Liabilities	23,386,816		23,263,335		23,289,905		23,153,020		22,277,362		0.5	%	5.0	%
	Shareholders' equity	2,692,958		2,629,655		2,616,828		2,390,261		2,340,501		2.4	%	15.1	%
	Total Liabilities and Shareholders' Equity	$	26,079,774	$	25,892,990	$	25,906,733	$	25,543,281	$	24,617,863	0.7	%	5.9	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	7,152,932	$	7,142,137	$	7,105,092	$	7,046,330	$	6,934,936	0.2	%	3.1	%
	Commercial and industrial	3,870,462		3,986,858		4,088,561		4,007,278		4,033,439		(2.9)	%	(4.0)	%
	Real estate - residential mortgage	3,555,897		3,254,058		3,141,915		3,061,835		2,862,226		9.3	%	24.2	%
	Real estate - home equity	1,136,128		1,149,958		1,202,913		1,222,709		1,251,455		(1.2)	%	(9.2)	%
	Real estate - construction	1,070,755		1,083,494		1,047,218		1,007,534		972,909		(1.2)	%	10.1	%
	Consumer	448,433		451,857		466,772		469,551		465,610		(0.8)	%	(3.7)	%
	Equipment lease financing	252,158		260,907		279,118		280,286		281,897		(3.4)	%	(10.5)	%
	Other(2)	(14,410)		(26,677)		(12,481)		(27,067)		(34,784)		(46.0)	%	(58.6)	%
	Net Loans before PPP	17,472,355		17,302,592		17,319,108		17,068,456		16,767,688		1.0	%	4.2	%
	PPP	1,114,401		1,688,394		1,581,712		1,960,165		1,937,034		(34.0)	%	(42.5)	%
	Total Net Loans	$	18,586,756	$	18,990,986	$	18,900,820	$	19,028,621	$	18,704,722	(2.1)	%	(0.6)	%
Deposits, by type:
	Noninterest-bearing demand	$	7,442,132	$	7,046,116	$	6,531,002	$	6,378,077	$	6,239,055	5.6	%	19.3	%
	Interest-bearing demand	5,795,404		5,959,909		5,818,564		5,813,935		5,099,405		(2.8)	%	13.6	%
	Savings	6,276,554		6,244,513		5,929,792		5,805,431		5,667,893		0.5	%	10.7	%
	Total demand and savings	19,514,090		19,250,538		18,279,358		17,997,443		17,006,353		1.4	%	14.7	%
	Brokered	277,444		309,873		335,185		317,588		310,689		(10.5)	%	(10.7)	%
	Time	1,932,778		2,073,427		2,224,664		2,415,020		2,567,166		(6.8)	%	(24.7)	%
	Total Deposits	$	21,724,312	$	21,633,838	$	20,839,207	$	20,730,051	$	19,884,208	0.4	%	9.3	%
Short-term borrowings, by type:
	Customer funding	$	533,749	$	520,989	$	630,066	$	611,727	$	572,551	2.4	%	(6.8)	%
	Total Short-term Borrowings	$	533,749	$	520,989	$	630,066	$	611,727	$	572,551	2.4	%	(6.8)	%
(1) "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures.
(2) Consists of overdrafts and net origination fees and costs.

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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
		2021		2021		2020		2020		2020		2021		2020		2021		2020		% Change
Interest Income:
	Interest income	$	176,673	$	184,936	$	183,645	$	179,159	$	180,696	(4.5)	%	(2.2)	%	$	361,609	$	380,074	(4.9)	%
	Interest expense	14,274		20,488		22,054		25,043		27,942		(30.3)	%	(48.9)	%	34,762		66,574		(47.8)	%
	Net Interest Income	162,399		164,448		161,591		154,116		152,754		(1.2)	%	6.3	%	326,847		313,500		4.3	%
	Provision for credit losses	(3,500)		(5,500)		6,240		7,080		19,570		(36.4)	%	(117.9)	%	(9,000)		63,600		(114.2)	%
	Net Interest Income after Provision	165,899		169,948		155,351		147,036		133,184		(2.4)	%	24.6	%	335,847		249,900		34.4	%
Non-Interest Income:
	Commercial banking:
	Merchant and card	6,786		5,768		5,953		6,237		5,326		17.6	%	27.4	%	12,554		10,950		14.6	%
	Cash management	5,341		4,921		4,737		4,742		4,503		8.5	%	18.6	%	10,262		9,245		11.0	%
	Capital markets	1,536		2,800		3,513		4,696		5,004		(45.1)	%	(69.3)	%	4,336		10,079		(57.0)	%
	Other commercial banking	3,466		2,853		2,606		2,636		1,914		21.5	%	81.1	%	6,319		4,892		29.2	%
	Total commercial banking	17,129		16,342		16,809		18,311		16,748		4.8	%	2.3	%	33,471		35,167		(4.8)	%
	Consumer banking:
	Card	5,733		5,878		5,123		5,002		4,966		(2.5)	%	15.4	%	11,611		9,651		20.3	%
	Overdraft	2,750		2,724		3,376		3,015		2,107		1.0	%	30.5	%	5,474		6,165		(11.2)	%
	Other consumer banking	2,377		2,152		2,298		2,406		2,065		10.5	%	15.1	%	4,529		4,561		(0.7)	%
	Total consumer banking	10,860		10,754		10,797		10,423		9,138		1.0	%	18.8	%	21,614		20,377		6.1	%
	Wealth management	17,634		17,347		15,653		14,943		13,407		1.7	%	31.5	%	34,981		28,462		22.9	%
	Mortgage banking	2,838		13,960		9,311		16,801		9,964		(79.7)	%	(71.5)	%	16,798		16,198		3.7	%
	Other	3,393		3,519		3,004		2,769		3,660		(3.6)	%	(7.3)	%	6,912		7,311		(5.5)	%
	Non-interest income before investment securities gains	51,854		61,922		55,574		63,246		52,917		(16.3)	%	(2.0)	%	113,776		107,515		5.8	%
	Investment securities gains, net	36		33,475		—		2		3,005		(99.9)	%	(98.8)	%	33,511		3,051		N/M
	Total Non-Interest Income	51,890		95,397		55,574		63,248		55,922		(45.6)	%	(7.2)	%	147,287		110,566		33.2	%
Non-Interest Expense:
	Salaries and employee benefits	78,367		82,586		83,929		79,227		81,012		(5.1)	%	(3.3)	%	160,953		161,240		(0.2)	%
	Net occupancy	12,494		13,982		13,161		13,221		13,144		(10.6)	%	(4.9)	%	26,476		26,630		(0.6)	%
	Data processing and software	13,932		13,561		11,951		12,285		12,193		2.7	%	14.3	%	27,493		23,838		15.3	%
	Other outside services	8,178		8,490		8,334		7,617		7,600		(3.7)	%	7.6	%	16,668		15,481		7.7	%
	Equipment	3,424		3,428		3,563		3,711		3,193		(0.1)	%	7.2	%	6,852		6,611		3.6	%
	Professional fees	2,651		2,779		2,424		2,879		3,331		(4.6)	%	(20.4)	%	5,430		7,533		(27.9)	%
	FDIC insurance	2,282		2,624		2,346		1,578		2,133		(13.0)	%	7.0	%	4,906		4,941		(0.7)	%
	Amortization of tax credit investments	1,563		1,531		1,532		1,694		1,450		2.1	%	7.8	%	3,094		2,900		6.7	%
	Marketing	1,348		1,002		1,098		1,147		1,303		34.5	%	3.5	%	2,350		2,882		(0.7)	%
	Intangible amortization	178		115		132		132		132		54.8	%	34.8	%	293		264		11.0	%
	Debt extinguishment	412		32,163		—		—		2,878		(98.7)	%	(98.7)	%	32,575		2,878		N/M
	Other	16,002		16,123		26,268		15,654		14,637		(0.8)	%	9.3	%	32,125		30,360		5.8	%
	Total Non-Interest Expense	140,831		178,383		154,738		139,145		143,006		(21.1)	%	(1.5)	%	319,215		285,558		11.8	%
	Income Before Income Taxes	76,958		86,961		56,187		71,139		46,100		(11.5)	%	66.9	%	163,919		74,909		118.8	%
	Income tax expense	11,994		13,898		5,362		9,529		6,542		(13.7)	%	83.3	%	25,892		9,303		N/M
	Net Income	64,964		73,063		50,825		61,610		39,558		(11.1)	%	64.2	%	138,027		65,606		110.4	%
	Preferred stock dividends	(2,562)		(2,591)		(2,135)		—		—		(1.1)	%	N/M		(5,153)		—		N/M
	Net Income Available to Common Shareholders	$	62,402	$	70,472	$	48,690	$	61,610	$	39,558	(11.5)	%	57.7	%	$	132,874	$	65,606	102.5	%
PER SHARE:
	Net income:
	Basic	$	0.38	$	0.43	$	0.30	$	0.38	$	0.24	(11.6)	%	58.3	%	$	0.81	$	0.40	102.5	%
	Diluted	0.38		0.43		0.30		0.38		0.24		(11.6)	%	58.3	%	0.81		0.40		102.5	%
	Cash dividends	0.14		0.14		0.17		0.13		0.13		—	%	7.7	%	0.28		0.26		7.7	%
	Weighted average shares (basic)	162,785		162,441		162,242		162,061		161,715		0.2	%	0.7	%	162,614		162,582		—	%
	Weighted average shares (diluted)	163,858		163,737		163,071		162,579		162,267		0.1	%	1.0	%	163,738		163,326		0.3	%

N/M - Not meaningful

9

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three months ended
		June 30, 2021						March 31, 2021						June 30, 2020
		Average		Interest		Yield/		Average		Interest		Yield/		Average		Interest		Yield/
		Balance		(1)		Rate		Balance		(1)		Rate		Balance		(1)		Rate
ASSETS
Interest-earning assets:
	Net Loans	$	18,906,556	$	156,525	3.32	%	$	18,980,586	$	165,462	3.53	%	$	18,331,797	$	160,613	3.52	%
	Taxable investment securities	2,630,090		13,898		1.93	%	2,438,496		13,691		2.08	%	2,200,870		15,171		2.76	%
	Tax-exempt investment securities	961,141		7,494		3.11	%	911,648		7,156		3.13	%	830,836		6,737		3.23	%
	Total Investment Securities	3,591,231		21,392		2.38	%	3,350,144		20,847		2.49	%	3,031,706		21,908		2.89	%
	Loans held for sale	31,948		199		2.49	%	53,465		471		3.53	%	55,608		509		3.66	%
	Other interest-earning assets	1,752,549		1,575		0.16	%	1,900,199		1,136		0.24	%	815,910		766		0.38	%
	Total Interest-earning Assets	24,282,284		179,691		2.97	%	24,284,394		187,916		3.13	%	22,235,021		183,796		3.32	%
Noninterest-earning assets:
	Cash and due from banks	129,927						120,181						153,728
	Premises and equipment	229,047						230,649						240,417
	Other assets	1,643,410						1,728,473						1,761,038
	Less: ACL - loans(2)	(267,126)						(280,881)						(251,088)
	Total Assets	$	26,017,542					$	26,082,816					$	24,139,116
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	5,979,855	$	932	0.06	%	$	5,832,174	$	1,160	0.08	%	$	5,103,419	$	2,219	0.17	%
	Savings deposits	6,280,629		1,363		0.09	%	6,137,084		1,526		0.10	%	5,446,368		3,331		0.25	%
	Brokered deposits	297,815		253		0.34	%	324,364		395		0.49	%	312,121		422		0.54	%
	Time deposits	2,003,606		5,434		1.09	%	2,150,570		6,521		1.23	%	2,624,962		11,145		1.71	%
	Total Interest-bearing Deposits	14,561,905		7,982		0.22	%	14,444,192		9,602		0.27	%	13,486,870		17,118		0.51	%
	Short-term borrowings	514,025		137		0.11	%	570,775		188		0.13	%	707,771		517		0.29	%
	Long-term borrowings	626,795		6,155		3.93	%	1,271,170		10,698		3.38	%	1,361,421		10,307		3.03	%
	Total Interest-bearing Liabilities	15,702,725		14,274		0.36	%	16,286,137		20,488		0.51	%	15,556,062		27,942		0.72	%
Noninterest-bearing liabilities:
	Demand deposits	7,203,696						6,672,832						5,789,788
	Total Deposits/Cost of Deposits	21,765,601				0.15	%	21,117,024				0.18	%	19,276,658				0.36	%
	Other	441,708						486,749						484,133
	Total Liabilities	23,348,129						23,445,718						21,829,983
	Total Interest-bearing liabilities and non-interest bearing deposits ("Cost of Funds")	22,906,421				0.25	%	22,958,969				0.36	%	21,345,850				0.53	%
	Shareholders' equity	2,669,413						2,637,098						2,309,133
	Total Liabilities and Shareholders' Equity	$	26,017,542					$	26,082,816					$	24,139,116
	Net interest income/net interest margin (fully taxable equivalent)			165,417		2.73	%			167,428		2.79	%			155,854		2.81	%
	Tax equivalent adjustment			(3,018)						(2,979)						(3,100)
	Net interest income			$	162,399					$	164,449					$	152,754
	(1) Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
	(2) "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures.

10

FULTON FINANCIAL CORPORATION
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL (UNAUDITED):
dollars in thousands
		Three months ended										% Change from
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30		Mar 31		Jun 30
		2021		2021		2020		2020		2020		2021		2020
Loans, by type:
	Real estate - commercial mortgage	$	7,177,622	$	7,128,997	$	7,101,363	$	6,986,528	$	6,875,872	0.7	%	4.4	%
	Commercial and industrial	3,920,771		4,033,367		4,024,879		4,030,750		4,451,228		(2.8)	%	(11.9)	%
	Real estate - residential mortgage	3,396,690		3,183,585		3,087,529		2,975,516		2,769,682		6.7	%	22.6	%
	Real estate - home equity	1,139,558		1,175,218		1,212,113		1,237,602		1,271,190		(3.0)	%	(10.4)	%
	Real estate - construction	1,054,469		1,054,718		1,009,284		981,589		941,079		—	%	12.0	%
	Consumer	451,486		459,038		468,678		464,851		465,728		(1.6)	%	(3.1)	%
	Equipment lease financing	256,248		266,405		279,059		279,217		284,658		(3.8)	%	(10.0)	%
	Other(1)	(14,677)		(9,455)		(18,817)		(28,656)		13,443		55.2	%	N/M
	Net Loans before PPP	17,382,167		17,291,873		17,164,088		16,927,397		17,072,880		0.5	%	1.8	%
	PPP	1,524,389		1,688,713		1,830,426		1,953,122		1,258,917		(9.7)	%	21.1	%
	Total Net Loans	$	18,906,556	$	18,980,586	$	18,994,514	$	18,880,519	$	18,331,797	(0.4)	%	3.1	%
Deposits, by type:
	Noninterest-bearing demand	$	7,203,696	$	6,672,832	$	6,477,228	$	6,270,683	$	5,789,788	8.0	%	24.4	%
	Interest-bearing demand	5,979,855		5,832,174		5,762,150		5,591,548		5,103,419		2.5	%	17.2	%
	Savings	6,280,629		6,137,084		5,905,137		5,716,050		5,446,368		2.3	%	15.3	%
	Total demand and savings	19,464,180		18,642,090		18,144,515		17,578,281		16,339,575		4.4	%	19.1	%
	Brokered	297,815		324,364		340,451		314,721		312,121		(8.2)	%	(4.6)	%
	Time	2,003,606		2,150,570		2,306,556		2,495,445		2,624,962		(6.8)	%	(23.7)	%
	Total Deposits	$	21,765,601	$	21,117,024	$	20,791,522	$	20,388,447	$	19,276,658	3.1	%	12.9	%
Short-term borrowings, by type:
	Customer funding	$	514,025	$	570,775	$	622,623	$	613,127	$	546,716	(9.9)	%	(6.0)	%
	Federal funds purchased	—		—		—		—		74,231		N/M		(100.0)	%
	Short-term FHLB advances and other borrowings	—		—		—		—		86,824		N/M		(100.0)	%
	Total Short-term borrowings	$	514,025	$	570,775	$	622,623	$	613,127	$	707,771	(9.9)	%	(27.4)	%
N/M - Not meaningful
(1) Consists of overdrafts and net origination fees and costs.

11

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Six months ended June 30
		2021						2020
		Average		Interest		Yield/		Average		Interest		Yield/
		Balance		(1)		Rate		Balance		(1)		Rate
ASSETS
Interest-earning assets:
	Net Loans	$	18,943,367	$	321,987	3.42	%	$	17,595,932	$	338,110	3.86	%
	Taxable investment securities	2,534,821		27,588		2.00	%	2,242,663		31,465		2.81	%
	Tax-exempt investment securities	936,531		14,651		3.12	%	775,530		12,698		3.26	%
	Total Investment Securities	3,471,352		42,239		2.43	%	3,018,193		44,163		2.92	%
	Loans held for sale	42,647		671		3.14	%	41,393		829		4.00	%
	Other interest-earning assets	1,825,966		2,711		0.19	%	709,091		3,297		4.31	%
	Total Interest-earning Assets	24,283,332		367,607		3.05	%	21,364,609		386,399		3.63	%
Noninterest-earning assets:
	Cash and due from banks	125,081						145,988
	Premises and equipment	229,843						240,019
	Other assets	1,685,708						1,675,849
	Less: ACL - loans(2)	(273,965)						(230,858)
	Total Assets	$	26,049,999					$	23,195,607
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	5,906,423	$	2,092	0.07	%	$	4,876,662	$	8,020	0.33	%
	Savings deposits	6,209,253		2,890		0.09	%	5,287,015		10,441		0.40	%
	Brokered deposits	311,016		647		0.42	%	293,756		1,495		1.02	%
	Time deposits	2,076,681		11,955		1.16	%	2,693,202		23,602		1.76	%
	Total Interest-bearing Deposits	14,503,373		17,584		0.24	%	13,150,635		43,558		0.67	%
	Short-term borrowings	542,243		325		0.12	%	1,005,409		4,590		0.91	%
	Long-term borrowings	947,203		16,853		3.56	%	1,212,318		18,426		3.04	%
	Total Interest-bearing Liabilities	15,992,819		34,762		0.44	%	15,368,362		66,574		0.87	%
Noninterest-bearing liabilities:
	Demand deposits	6,939,731						5,048,408
	Total Deposits/Cost of Deposits	21,443,104				0.17	%	18,199,043				0.48	%
	Other	464,104						455,763
	Total Liabilities	23,396,654						20,872,533
	Total Interest-bearing liabilities and non-interest bearing deposits ("Cost of Funds")	22,932,550				0.30	%	20,416,770				0.65	%
	Shareholders' equity	2,653,345						2,323,074
	Total Liabilities and Shareholders' Equity	$	26,049,999					$	23,195,607
	Net interest income/net interest margin (fully taxable equivalent)			332,845		2.76	%			319,825		3.01	%
	Tax equivalent adjustment			(5,998)						(6,325)
	Net interest income			$	326,847					$	313,500
	(1) Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
	(2) "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures.

12

FULTON FINANCIAL CORPORATION
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL (UNAUDITED):
dollars in thousands
		Six months ended June 30
		2021		2020		% Change
Loans, by type:
	Real estate - commercial mortgage	$	7,153,444	$	6,811,318	5.0	%
	Commercial and industrial	3,976,758		4,448,990		(10.6)	%
	Real estate - residential mortgage	3,290,726		2,719,851		21.0	%
	Real estate - home equity	1,157,289		1,285,661		(10.0)	%
	Real estate - construction	1,054,593		935,304		12.8	%
	Consumer	455,241		466,071		(2.3)	%
	Equipment lease financing	261,300		284,612		(8.2)	%
	Other(1)	(12,081)		14,667		N/M
	Net Loans before PPP	17,337,270		16,966,474		2.2	%
	PPP	1,606,097		629,458		N/M
	Total Net Loans	$	18,943,367	$	17,595,932	7.7	%
Deposits, by type:
	Noninterest-bearing demand	$	6,939,731	$	5,048,408	37.5	%
	Interest-bearing demand	5,906,423		4,876,662		21.1	%
	Savings	6,209,253		5,287,015		17.4	%
	Total demand and savings	19,055,407		15,212,085		25.3	%
	Brokered	311,016		293,756		5.9	%
	Time	2,076,681		2,693,202		(22.9)	%
	Total Deposits	$	21,443,104	$	18,199,043	17.8	%
Short-term borrowings, by type:
	Customer funding	542,243		487,478		11.2	%
	Federal funds purchased	—		130,549		N/M
	Short-term FHLB advances and other borrowings	—		387,382		N/M
	Total Short-term Borrowings	$	542,243	$	1,005,409	(46.1)	%
N/M - Not meaningful
(1) Consists of overdrafts and net origination fees and costs.

13

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three months ended
		Jun 30			Mar 31			Dec 31			Sep 30			Jun 30
		2021			2021			2020			2020			2020
Allowance for credit losses related to Net Loans:
Balance at beginning of period		$	265,986		$	277,567		$	266,825		$	256,537		$	238,508
	Loans charged off:
	Commercial and industrial	(954)			(4,319)			(1,567)			(2,969)			(3,480)
	Real estate - commercial mortgage	(6,506)			(1,837)			(300)			(746)			(2,324)
	Consumer and home equity	(1,130)			(847)			(668)			(1,093)			(1,303)
	Real estate - residential mortgage	(496)			(192)			—			(198)			(235)
	Real estate - construction	—			(39)			—			—			(17)
	Equipment lease financing and other	(436)			(968)			(483)			(483)			(688)
	Total loans charged off	(9,522)			(8,202)			(3,018)			(5,489)			(8,047)
Recoveries of loans previously charged off:
	Commercial and industrial	693			769			4,581			2,103			2,978
	Real estate - commercial mortgage	729			174			588			100			95
	Consumer and home equity	634			440			594			491			649
	Real estate - residential mortgage	105			95			199			95			112
	Real estate - construction	254			384			179			4,873			—
	Equipment lease financing and other	153			159			219			185			92
	Recoveries of loans previously charged off	2,568			2,021			6,360			7,847			3,926
Net loans recovered (charged off)		(6,954)			(6,181)			3,342			2,358			(4,121)
Provision for credit losses		(4,000)			(5,400)			7,400			7,930			22,150
Balance at end of period		$	255,032		$	265,986		$	277,567		$	266,825		$	256,537
Net charge-offs (recoveries) to average loans (annualized)		0.15		%	0.13		%	(0.07)		%	(0.05)		%	0.09		%
Allowance credit losses related to OBS Credit Exposures(1)
	Balance at beginning of period	$	14,273		$	14,373		$	15,533		$	16,383		$	18,963
	Provision for credit losses	500			(100)			(1,160)			(850)			(2,580)
	Balance at end of period	$	14,773		$	14,273		$	14,373		$	15,533		$	16,383
NON-PERFORMING ASSETS:
	Non-accrual loans	$	147,864		$	143,889		$	137,198		$	128,321		$	125,037
	Loans 90 days past due and accruing	5,865			8,559			9,929			13,761			14,767
	Total non-performing loans	153,729			152,448			147,127			142,082			139,804
	Other real estate owned	2,779			3,664			4,178			4,565			5,418
	Total non-performing assets	$	156,508		$	156,112		$	151,305		$	146,647		$	145,222
NON-PERFORMING LOANS, BY TYPE:
	Commercial and industrial	$	33,522		$	31,871		$	32,610		$	37,224		$	39,730
	Real estate - commercial mortgage	53,693			54,164			52,647			43,426			42,374
	Real estate - residential mortgage	38,185			36,152			30,793			28,287			22,887
	Consumer and home equity	11,408			13,072			13,090			12,292			11,911
	Real estate - construction	1,016			1,440			1,550			4,051			4,525
	Equipment lease financing and other	15,905			15,749			16,437			16,802			18,377
	Total non-performing loans	$	153,729		$	152,448		$	147,127		$	142,082		$	139,804
(1) The allowance for credit losses related to OBS Credit Exposures is presented in "other liabilities" on the consolidated balance sheets.

14

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
		Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
		2021		2021		2020		2020		2020
Common shareholders' equity (tangible), per share
Shareholders' equity		$	2,692,958	$	2,629,655	$	2,616,828	$	2,390,261	$	2,340,501
Less: Preferred stock		(192,878)		(192,878)		(192,878)		—		—
Less: Goodwill and intangible assets		(536,847)		(536,544)		(536,659)		(534,907)		(535,039)
Tangible common shareholders' equity (numerator)		$	1,963,233	$	1,900,233	$	1,887,291	$	1,855,354	$	1,805,462
Shares outstanding, end of period (denominator)		162,988		162,518		162,350		162,134		161,958
Common shareholders' equity (tangible), per share		$	12.05	$	11.69	$	11.62	$	11.44	$	11.15
Return on average common shareholders' equity (tangible)
Net income available to common shareholders		$	62,402	$	70,472	$	48,690	$	61,610	$	39,558
Plus: Intangible amortization, net of tax		140		90		104		103		104
(Numerator)		$	62,542	$	70,562	$	48,794	$	61,713	$	39,662
Average shareholders' equity		$	2,669,413	$	2,637,098	$	2,544,866	$	2,374,091	$	2,309,133
Less: Average preferred stock		(192,878)		(192,878)		(127,639)		—		—
Less: Average goodwill and intangible assets		(536,470)		(536,601)		(535,474)		(534,971)		(535,103)
Average tangible common shareholders' equity (denominator)		$	1,940,065	$	1,907,619	$	1,881,753	$	1,839,120	$	1,774,030
Return on average common shareholders' equity (tangible), annualized		12.93%		15.00%		10.32%		13.50%		8.99%
Tangible common equity to tangible assets (TCE Ratio)
Shareholders' equity		$	2,692,958	$	2,629,655	$	2,616,828	$	2,390,261	$	2,340,501
Less: Preferred stock		(192,878)		(192,878)		(192,878)		—		—
Less: Goodwill and intangible assets		(536,847)		(536,544)		(536,659)		(534,907)		(535,039)
Tangible common shareholders' equity (numerator)		$	1,963,233	$	1,900,233	$	1,887,291	$	1,855,354	$	1,805,462
Total assets		$	26,079,774	$	25,892,990	$	25,906,733	$	25,543,281	$	24,617,863
Less: Goodwill and intangible assets		(536,847)		(536,544)		(536,659)		(534,907)		(535,039)
Total tangible assets (denominator)		$	25,542,927	$	25,356,446	$	25,370,074	$	25,008,374	$	24,082,824
Tangible common equity to tangible assets		7.69%		7.49%		7.44%		7.42%		7.50%
Efficiency ratio
Non-interest expense		$	140,831	$	178,383	$	154,738	$	139,145	$	143,006
Less: Amortization of tax credit investments		(1,563)		(1,531)		(1,532)		(1,694)		(1,450)
Less: Intangible amortization		(178)		(115)		(132)		(132)		(132)
Less: 2020 cost savings initiatives		—		—		(15,400)		(800)		—
Less: Debt extinguishment costs		(412)		(32,163)		—		—		(2,878)
Non-interest expense (numerator)		$	138,678	$	144,574	$	137,674	$	136,519	$	138,546
Net interest income (fully taxable equivalent)		$	165,417	$	167,428	$	164,578	$	157,106	$	155,854
Plus: Total Non-interest income		51,890		95,397		55,574		63,248		55,922
Less: Investment securities gains, net		(36)		(33,475)		—		(2)		(3,005)
Total revenue (denominator)		$	217,271	$	229,350	$	220,152	$	220,352	$	208,771
Efficiency ratio		63.8%		63.0%		62.5%		62.0%		66.4%

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	Three months ended
	Jun 30		Mar 31		Dec 31		Sep 30		Jun 30
	2021		2021		2020		2020		2020
Asset Quality, excluding PPP
Net loans recovered (charged-off) (numerator)	$	(6,954)	$	(6,181)	$	3,342	$	2,358	$	(4,121)
Average Net Loans	$	18,906,556	$	18,980,586	$	18,994,514	$	18,880,519	$	18,331,797
Less: Average PPP loans	(1,524,389)		(1,688,713)		(1,830,426)		(1,953,122)		(1,258,917)
Total adjusted average loans (denominator)	$	17,382,167	$	17,291,873	$	17,164,088	$	16,927,397	$	17,072,880
Net charge-offs (recoveries) to adjusted average loans (annualized)	0.16%		0.14%		(0.08)%		(0.06)%		0.10%
Non-performing loans (numerator)	$	153,729	$	152,448	$	147,127	$	142,082	$	139,804
Net Loans	$	18,586,756	$	18,990,986	$	18,900,820	$	19,028,621	$	18,704,722
Less: PPP loans	(1,114,401)		(1,688,394)		(1,581,712)		(1,960,165)		(1,937,034)
Total adjusted loans (denominator)	$	17,472,355	$	17,302,592	$	17,319,108	$	17,068,456	$	16,767,688
Non-performing loans to total adjusted loans	0.88%		0.88%		0.85%		0.83%		0.83%
ACL - loans (numerator)	$	255,032	$	265,986	$	277,567	$	266,825	$	256,537
Net Loans	$	18,586,756	$	18,990,986	$	18,900,820	$	19,028,621	$	18,704,722
Less: PPP loans	(1,114,401)		(1,688,394)		(1,581,712)		(1,960,165)		(1,937,034)
Total adjusted loans (denominator)	$	17,472,355	$	17,302,592	$	17,319,108	$	17,068,456	$	16,767,688
ACL - loans to total adjusted loans	1.46%		1.54%		1.60%		1.56%		1.53%
Pre-provision net revenue
Net interest income	$	162,399	$	164,448	$	161,591	$	154,116	$	152,754
Non-interest income	51,890		95,397		55,574		63,248		55,922
Less: Investment securities gains, net	(36)		(33,475)		—		(2)		(3,005)
Total revenue	$	214,253	$	226,370	$	217,165	$	217,362	$	205,671
Non-interest expense	$	140,831	$	178,383	$	154,738	$	139,145	$	143,006
Less: Debt extinguishment	(412)		(32,163)		—		—		(2,878)
Less: Amortization on tax credit investments	(1,563)		(1,531)		(1,532)		(1,694)		(1,450)
Less: Intangible amortization	(178)		(115)		(132)		(132)		(132)
Total non-interest expense	$	138,678	$	144,574	$	153,074	$	137,319	$	138,546
Pre-provision net revenue	$	75,575	$	81,796	$	64,091	$	80,043	$	67,125
Note: numbers may not sum due to rounding.

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