exv99w2

Exhibit 99.2

FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)
dollars in thousands, except per-share data


	March 31
BALANCE SHEET DATA	2008			2007			% Change


Total assets	$	16,052,867		$	14,670,336			9.4	%
Loans, net of unearned income		11,388,653			10,448,175			9.0	%
Investment securities		3,104,827			2,621,608			18.4	%
Deposits		10,048,928			10,235,580			(1.8	%)
Shareholders’ equity		1,611,720			1,521,931			5.9	%

	Quarter Ended March 31

INCOME SUMMARY		2008			2007		% Change


Interest income	$	229,220		$	230,656			(0.6	%)
Interest expense		(103,321	)		(108,881	)		(5.1	%)

Net interest income		125,899			121,775			3.4	%
Provision for loan losses		(11,220	)		(957	)		1,072.4	%
Investment securities gains		1,246			1,782			(30.1	%)
Other income		36,434			37,283			(2.3	%)
Other expenses		(96,660	)		(100,905	)		(4.2	%)

Income before income taxes		55,699			58,978			(5.6	%)
Income taxes		(14,203	)		(17,850	)		(20.4	%)

Net income	$	41,496		$	41,128			0.9	%


PER-SHARE DATA:

Net income:
Basic	$	0.24		$	0.24			—
Diluted		0.24			0.24			—
Cash dividends		0.1500			0.1475			1.7	%

Shareholders’ equity		9.28			8.79			5.6	%
Shareholders’ equity (tangible)		5.52			4.97			11.1	%

SELECTED FINANCIAL RATIOS:

Return on average assets		1.05	%		1.12	%
Return on average shareholders’ equity		10.53	%		11.06	%
Return on average shareholders’ equity (tangible)		18.45	%		20.34	%
Net interest margin		3.58	%		3.74	%
Efficiency ratio		57.10	%		60.98	%
Non-performing assets to total assets		0.90	%		0.40	%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands


										% Change from
	March 31			March 31			December 31			March 31			December 31
	2008			2007			2007			2007			2007


ASSETS
Cash and due from banks	$	406,601		$	344,969		$	381,283			17.9	%		6.6	%
Loans held for sale		95,144			206,422			103,984			(53.9	%)		(8.5	%)
Other interest-earning assets		13,240			17,677			21,153			(25.1	%)		(37.4	%)
Investment securities		3,104,827			2,621,608			3,153,552			18.4	%		(1.5	%)
Loans, net of unearned		11,388,653			10,448,175			11,204,424			9.0	%		1.6	%
Allowance for loan losses		(115,257	)		(107,899	)		(107,547	)		6.8	%		7.2	%

Net Loans		11,273,396			10,340,276			11,096,877			9.0	%		1.6	%
Premises and equipment		197,424			190,442			193,296			3.7	%		2.1	%
Accrued interest receivable		65,865			67,580			73,435			(2.5	%)		(10.3	%)
Goodwill and intangible assets		653,038			662,085			654,908			(1.4	%)		(0.3	%)
Other assets		243,332			219,277			244,610			11.0	%		(0.5	%)

Total Assets	$	16,052,867		$	14,670,336		$	15,923,098			9.4	%		0.8	%

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	10,048,928		$	10,235,580		$	10,105,445			(1.8	%)		(0.6	%)
Short-term borrowings		2,229,127			1,138,443			2,383,944			95.8	%		(6.5	%)
Federal Home Loan Bank advances and long-term debt		1,890,969			1,576,283			1,642,133			20.0	%		15.2	%
Other liabilities		272,123			198,099			216,656			37.4	%		25.6	%

Total Liabilities		14,441,147			13,148,405			14,348,178			9.8	%		0.6	%
Shareholders’ equity		1,611,720			1,521,931			1,574,920			5.9	%		2.3	%

Total Liabilities and Shareholders’ Equity	$	16,052,867		$	14,670,336		$	15,923,098			9.4	%		0.8	%

LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
Commercial - industrial, financial and agricultural	$	3,493,352		$	3,095,492		$	3,427,085			12.9	%		1.9	%
Real estate - commercial mortgage		3,619,391			3,257,914			3,502,282			11.1	%		3.3	%
Real estate - residential mortgage		882,977			699,528			851,577			26.2	%		3.7	%
Real estate - home equity		1,547,323			1,425,948			1,501,231			8.5	%		3.1	%
Real estate - construction		1,303,232			1,377,791			1,342,923			(5.4	%)		(3.0	%)
Consumer		451,037			514,007			500,708			(12.3	%)		(9.9	%)
Leasing and other		91,341			77,495			78,618			17.9	%		16.2	%

Total Loans, net of unearned income	$	11,388,653		$	10,448,175		$	11,204,424			9.0	%		1.6	%

Deposits, by type:
Noninterest-bearing demand	$	1,737,442		$	1,795,265		$	1,722,211			(3.2	%)		0.9	%
Interest-bearing demand		1,712,601			1,683,652			1,715,315			1.7	%		(0.2	%)
Savings deposits		2,157,749			2,274,727			2,131,374			(5.1	%)		1.2	%
Time deposits		4,441,136			4,481,936			4,536,545			(0.9	%)		(2.1	%)

Total Deposits	$	10,048,928		$	10,235,580		$	10,105,445			(1.8	%)		(0.6	%)

Short-term borrowings, by type:
Customer repurchase agreements	$	223,649		$	278,819		$	228,061			(19.8	%)		(1.9	%)
Short-term promissory notes		496,706			359,365			443,002			38.2	%		12.1	%
Federal funds purchased		1,103,804			442,362			1,057,335			149.5	%		4.4	%
Other		404,968			57,897			655,546			599.5	%		(38.2	%)

Total Short-term borrowings	$	2,229,127		$	1,138,443		$	2,383,944			95.8	%		(6.5	%)

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED INCOME STATEMENTS (UNAUDITED)
dollars in thousands, except per-share data



	Quarter Ended									% Change from
	March 31			March 31			December 31			March 31			December 31
	2008			2007			2007			2007			2007
Interest Income:
Interest Income	$	229,220		$	230,656		$	240,069			(0.6	%)		(4.5	%)
Interest Expense		103,321			108,881			116,418			(5.1	%)		(11.2	%)

Net Interest Income		125,899			121,775			123,651			3.4	%		1.8	%
Provision for Loan Losses		11,220			957			6,800			1,072.4	%		65.0	%

Net Interest Income after Provision		114,679			120,818			116,851			(5.1	%)		(1.9	%)

Other Income:
Investment management and trust services		8,759			9,810			9,291			(10.7	%)		(5.7	%)
Service charges on deposit accounts		13,967			10,627			13,355			31.4	%		4.6	%
Other service charges and fees		8,591			7,375			8,405			16.5	%		2.2	%
Gains on sale of mortgage loans		2,311			5,393			2,181			(57.1	%)		6.0	%
Investment securities gains (losses)		1,246			1,782			(537	)		(30.1	%)		332.0	%
Other		2,806			4,078			2,516			(31.2	%)		11.5	%

Total Other Income		37,680			39,065			35,211			(3.5	%)		7.0	%

Other Expenses:
Salaries and employee benefits		55,195			56,293			53,173			(2.0	%)		3.8	%
Net occupancy expense		10,524			10,196			10,002			3.2	%		5.2	%
Equipment expense		3,448			3,715			3,303			(7.2	%)		4.4	%
Data processing		3,246			3,202			3,205			1.4	%		1.3	%
Advertising		2,905			2,409			3,465			20.6	%		(16.2	%)
Intangible amortization		1,857			1,983			2,158			(6.4	%)		(13.9	%)
Operating risk loss		1,243			5,914			767			(79.0	%)		62.1	%
Other		18,242			17,193			22,374			6.1	%		(18.5	%)

Total Other Expenses		96,660			100,905			98,447			(4.2	%)		(1.8	%)

Income Before Income Taxes		55,699			58,978			53,615			(5.6	%)		3.9	%
Income Taxes		14,203			17,850			15,436			(20.4	%)		(8.0	%)

Net Income	$	41,496		$	41,128		$	38,179			0.9	%		8.7	%


SHARE AND PER-SHARE INFORMATION:
Net income:
Basic	$	0.24		$	0.24		$	0.22			—			9.1	%
Diluted		0.24			0.24			0.22			—			9.1	%

Cash dividends	$	0.1500		$	0.1475		$	0.1500			1.7	%		—
Shareholders’ equity		9.28			8.79			9.08			5.6	%		2.2	%
Shareholders’ equity (tangible)		5.52			4.97			5.30			11.1	%		4.2	%

Weighted average shares (basic)		173,624			173,273			173,416			0.2	%		0.1	%
Weighted average shares (diluted)		174,209			174,878			174,155			(0.4	%)		—
Shares outstanding, end of period		173,722			173,083			173,503			0.4	%		0.1	%

SELECTED FINANCIAL RATIOS:
Return on average assets		1.05	%		1.12	%		0.97	%
Return on average shareholders’ equity		10.53	%		11.06	%		9.72	%
Return on average shareholders’ equity (tangible)		18.45	%		20.34	%		17.44	%
Net interest margin		3.58	%		3.74	%		3.56	%
Efficiency ratio		57.10	%		60.98	%		59.09	%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands


	Quarter Ended
	March 31, 2008									March 31, 2007									December 31, 2007
	Balance			Interest (1)			Yield/Rate			Balance			Interest (1)			Yield/Rate			Balance			Interest (1)			Yield/Rate

ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,295,531		$	192,422			6.85	%	$	10,414,698		$	196,558			7.65	%	$	11,082,957		$	204,281			7.32	%
Taxable investment securities		2,407,189			29,561			4.91	%		2,190,230			24,619			4.50	%		2,348,449			28,420			4.84	%
Tax-exempt investment securities		515,856			6,761			5.24	%		492,709			6,228			5.06	%		494,790			6,462			5.22	%
Equity securities		213,004			2,380			4.48	%		178,488			2,129			4.79	%		201,554			2,445			4.84	%

Total Investment Securities		3,136,049			38,702			4.94	%		2,861,427			32,976			4.61	%		3,044,793			37,327			4.90	%
Loans held for sale		98,676			1,577			6.39	%		207,856			3,684			7.09	%		101,788			1,730			6.79	%
Other interest-earning assets		26,784			218			3.25	%		48,328			596			4.97	%		24,136			291			4.78	%

Total Interest-earning Assets		14,557,040			232,919			6.43	%		13,532,309			233,814			6.99	%		14,253,674			243,629			6.80	%
Noninterest-earning assets:
Cash and due from banks		310,719									315,969									323,490
Premises and equipment		196,037									192,002									191,502
Other assets		927,260									899,843									907,267
Less: allowance for loan losses		(109,914	)								(107,683	)								(110,922	)

Total Assets	$	15,881,142								$	14,832,440								$	15,565,011



LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	1,685,620		$	4,405			1.05	%	$	1,657,714		$	6,904			1.69	%	$	1,721,831		$	6,598			1.52	%
Savings deposits		2,137,704			9,163			1.72	%		2,295,822			13,811			2.44	%		2,179,753			12,046			2.19	%
Time deposits		4,520,004			49,918			4.44	%		4,457,363			50,493			4.59	%		4,603,944			54,341			4.68	%

Total Interest-bearing Deposits		8,343,328			63,486			3.06	%		8,410,899			71,208			3.43	%		8,505,528			72,985			3.40	%
Short-term borrowings		2,347,463			18,828			3.19	%		1,552,495			19,054			4.93	%		2,020,751			22,249			4.33	%
Federal Home Loan Bank advances and long-term debt		1,798,508			21,007			4.69	%		1,450,016			18,619			5.14	%		1,624,613			21,184			5.19	%

Total Interest-bearing Liabilities		12,489,299			103,321			3.32	%		11,413,410			108,881			3.85	%		12,150,892			116,418			3.80	%
Noninterest-bearing liabilities:
Demand deposits		1,616,283									1,721,135									1,675,528
Other		190,496									189,297									180,907

Total Liabilities		14,296,078									13,323,842									14,007,327
Shareholders’ equity		1,585,064									1,508,598									1,557,684

Total Liabilities and Shareholders’ Equity	$	15,881,142								$	14,832,440								$	15,565,011

Net interest income/net interest margin (fully taxable equivalent)					129,598			3.58	%					124,933			3.74	%					127,211			3.56	%


Tax equivalent adjustment					(3,699	)								(3,158	)								(3,560	)

Net interest income				$	125,899								$	121,775								$	123,651

(1)

Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.

AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:


	Quarter Ended						% Change from
	March 31		March 31		December 31		March 31			December 31
	2008		2007		2007		2007			2007

Loans, by type:
Commercial - industrial, financial and agricultural	$	3,472,443	$	3,031,242	$	3,364,211		14.6	%		3.2	%
Real estate - commercial mortgage		3,547,507		3,239,179		3,438,386		9.5	%		3.2	%
Real estate - residential mortgage		861,054		701,918		831,825		22.7	%		3.5	%
Real estate - home equity		1,526,475		1,441,741		1,486,367		5.9	%		2.7	%
Real estate - construction		1,328,718		1,396,527		1,377,391		(4.9	%)		(3.5	%)
Consumer		473,245		516,335		499,253		(8.3	%)		(5.2	%)
Leasing and other		86,089		87,756		85,524		(1.9	%)		0.7	%


Total Loans, net of unearned income	$	11,295,531	$	10,414,698	$	11,082,957		8.5	%		1.9	%

Deposits, by type:
Noninterest-bearing demand	$	1,616,283	$	1,721,135	$	1,675,528		(6.1	%)		(3.5	%)
Interest-bearing demand		1,685,620		1,657,714		1,721,831		1.7	%		(2.1	%)
Savings deposits		2,137,704		2,295,822		2,179,753		(6.9	%)		(1.9	%)
Time deposits		4,520,004		4,457,363		4,603,944		1.4	%		(1.8	%)


Total Deposits	$	9,959,611	$	10,132,034	$	10,181,056		(1.7	%)		(2.2	%)

Short-term borrowings, by type:
Customer repurchase agreements	$	226,921	$	256,658	$	237,346		(11.6	%)		(4.4	%)
Short-term promissory notes		471,470		315,515		478,018		49.4	%		(1.4	%)
Federal funds purchased		1,184,370		915,241		975,732		29.4	%		21.4	%
Other		464,702		65,081		329,655		614.0	%		41.0	%


Total Short-term borrowings	$	2,347,463	$	1,552,495	$	2,020,751		51.2	%		16.2	%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands


	Quarter Ended
	March 31			March 31			December 31
	2008			2007			2007
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period	$	112,209		$	106,884		$	109,435
Loans charged off		(5,626	)		(1,360	)		(5,068	)
Recoveries of loans previously charged off		1,266			1,418			1,042

Net loans (charged off) recovered		(4,360	)		58			(4,026	)
Provision for loan losses		11,220			957			6,800

Balance at end of period	$	119,069		$	107,899		$	112,209


Net charge-offs (recoveries) to average loans (annualized)		0.15	%		—			0.15	%


COMPONENTS OF ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses	$	115,257		$	107,899		$	107,547
Reserve for unfunded lending commitments (1)		3,812			—			4,662

Allowance for credit losses	$	119,069		$	107,899		$	112,209


(1) Reserve for unfunded commitments transferred to other liabilities as of December 31, 2007. Prior periods were not reclassified.

NON-PERFORMING ASSETS:
Non-accrual loans	$	97,212		$	37,914		$	76,150
Accruing loans 90+ days overdue		29,733			13,467			29,782
Other real estate owned		18,333			6,576			14,934

Total non-performing assets	$	145,278		$	57,957		$	120,866


ASSET QUALITY RATIOS:
Non-accrual loans to total loans		0.85	%		0.36	%		0.68	%
Non-performing assets to total loans and OREO		1.27	%		0.55	%		1.08	%
Non-performing assets to total assets		0.90	%		0.40	%		0.76	%
Allowance for credit losses to loans outstanding		1.05	%		1.03	%		1.00	%
Allowance for loan losses to loans outstanding		1.01	%		1.03	%		0.96	%
Allowance for credit losses to non-performing loans		94	%		210	%		106	%