10-Q 1 fult-20220630.htm 10-Q fult-20220630
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D. C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2022, or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from              to              

Commission File No. 001-39680
FULTON FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Pennsylvania23-2195389
(State or other jurisdiction of
incorporation or organization)
 (I.R.S. Employer
Identification No.)
One Penn SquareP. O. Box 4887Lancaster,Pennsylvania 17604
(Address of principal executive offices) (Zip Code)
(717) 291-2411
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $2.50FULTThe Nasdaq Stock Market, LLC
Depositary Shares, Each Representing 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A
FULTPThe Nasdaq Stock Market, LLC
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer", "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer  Accelerated filer 
Non-accelerated filer   Smaller reporting company 
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.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).    Yes      No  

APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:
Common Stock, $2.50 Par Value167,356,767 shares outstanding as of July 29, 2022.
1



FULTON FINANCIAL CORPORATION
FORM 10-Q FOR THE THREE MONTHS ENDED JUNE 30, 2022
INDEX
 
DescriptionPage
Glossary of Terms
PART I. FINANCIAL INFORMATION
(a)
(b)
(c)
(d)
(e)
(f)
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Defaults Upon Senior Securities - (not applicable)
Item 4. Mine Safety Disclosures - (not applicable)
Item 5. Other Information - (none to be reported)

2



FULTON FINANCIAL CORPORATION
GLOSSARY OF DEFINED ACRONYMS AND TERMS
ACLAllowance for credit losses
AFSAvailable for sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income
ARCAuction rate security
ASCAccounting Standards Codification
ASUAccounting Standards Update
BHCABank Holding Company Act of 1956, as amended
bp or bpsBasis point(s)
CARES ActCoronavirus Aid, Relief, and Economic Security Act
Corporation or CompanyFulton Financial Corporation
COVID-19Coronavirus
Directors' PlanAmended and Restated Directors’ Equity Participation Plan
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act
Employee Equity Plan2022 Amended and Restated Equity and Cash Incentive Compensation Plan
ESGEnvironmental, social and governance
ETREffective tax rate
Exchange ActSecurities Exchange Act of 1934
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Fed Funds RateTarget federal funds rate
Federal Reserve BoardBoard of Governors of the Federal Reserve System
FHLBFederal Home Loan Bank
FOMCFederal Open Market Committee
Foreign Currency Nostro AccountsForeign currency with international correspondent banks
FRBFederal Reserve Bank
FTEFully taxable-equivalent
Fulton Bank or the BankFulton Bank, N.A.
GAAPU.S. Generally Accepted Accounting Principles
HTMHeld to maturity
LIBORLondon Interbank Offered Rate
Management DiscussionManagement’s Discussion and Analysis of Financial Condition and Results of Operations
Merger
The acquisition by the Corporation of Prudential, which was completed effective as of July 1, 2022
Merger AgreementAgreement and Plan of Merger, dated as of March 1, 2022, between the Corporation and Prudential
Merger ConsiderationFor each share of Prudential common stock, $3.65 in cash and 0.7974 of a share of the Corporation's common stock
MSRsMortgage servicing rights
Net loansLoans and lease receivables (net of unearned income)
NIMNet interest margin
N/MNot meaningful
OBSOff-balance-sheet
OCIOther comprehensive income
OREOOther real estate owned
3



Pension PlanDefined Benefit Pension Plan
Postretirement PlanPostretirement Benefits Plan
PPPPaycheck Protection Program
PrudentialPrudential Bancorp, Inc.
PSUPerformance-based restricted stock unit
RSURestricted stock unit
SBASmall Business Administration
SECUnited States Securities and Exchange Commission
TCITax credit investment
TDRTroubled debt restructuring
TruPSTrust Preferred Securities
Visa Shares
Visa, Inc. Class B restricted shares
Note: Some numbers contained in the document may not sum due to rounding
4




Item 1. Financial Statements
CONSOLIDATED BALANCE SHEETS 
(in thousands, except per-share data)
June 30, 2022December 31,
2021
(unaudited)
ASSETS
Cash and due from banks$158,605 $172,276 
Interest-bearing deposits with other banks291,069 1,466,338 
        Cash and cash equivalents 449,674 1,638,614 
FRB and FHLB stock62,146 57,635 
Federal funds sold30,500  
Loans held for sale17,528 35,768 
Investment securities:
AFS, at estimated fair value2,778,838 3,187,390 
HTM, at amortized cost1,338,963 980,384 
Net loans18,920,950 18,325,350 
Less: ACL - loans(248,564)(249,001)
Loans, net18,672,386 18,076,349 
Net premises and equipment211,639 220,357 
Accrued interest receivable64,457 57,451 
Goodwill and net intangible assets537,700 538,053 
Other assets1,088,855 1,004,397 
Total Assets$25,252,686 $25,796,398 
LIABILITIES
Deposits:
Noninterest-bearing$7,530,777 $7,370,963 
Interest-bearing13,613,089 14,202,536 
Total Deposits21,143,866 21,573,499 
Short-term borrowings:
Federal funds purchased20,000  
Other short-term borrowings436,185 416,764 
Short-term borrowings456,185 416,764 
Accrued interest payable6,010 7,000 
Long-term borrowings557,130 621,345 
Other liabilities618,402 465,110 
Total Liabilities22,781,593 23,083,718 
SHAREHOLDERS' EQUITY
Preferred stock, no par value, 10.0 million shares authorized; Series A, 0.2 million shares authorized and issued as of June 30, 2022 and December 31, 2021, liquidation preference of $1,000 per share
192,878 192,878 
Common stock, $2.50 par value, 600.0 million shares authorized, 224.5 million shares issued as of June 30, 2022 and 223.9 million issued as of December 31, 2021
561,181 559,766 
Additional paid-in capital1,527,756 1,519,873 
Retained earnings1,363,344 1,282,383 
Accumulated other comprehensive (loss) gain(304,210)27,411 
Treasury stock, at cost, 63.4 million shares as of June 30, 2022 and December 31, 2021
(869,856)(869,631)
Total Shareholders' Equity2,471,093 2,712,680 
Total Liabilities and Shareholders' Equity$25,252,686 $25,796,398 
See Notes to Consolidated Financial Statements
 
5



CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
(in thousands, except per-share data)Three months ended June 30Six months ended June 30
 2022202120222021
Interest Income
Loans, including fees$164,171 $155,080 $313,908 $319,065 
Investment securities:24,144 19,819 46,497 39,162 
Loans held for sale260 199 501 671 
Other interest income1,724 1,575 2,394 2,711 
Total Interest Income190,299 176,673 363,300 361,609 
Interest Expense
Deposits5,796 7,982 11,401 17,584 
Short-term borrowings190 137 311 325 
Long-term borrowings5,482 6,155 11,447 16,853 
Total Interest Expense11,468 14,274 23,159 34,762 
Net Interest Income178,831 162,399 340,141 326,847 
Provision for credit losses1,500 (3,500)(5,450)(9,000)
Net Interest Income After Provision for Credit Losses177,331 165,899 345,591 335,847 
Non-Interest Income
Commercial banking20,359 17,129 36,367 33,471 
Consumer banking12,472 10,860 24,146 21,614 
Wealth management18,274 17,634 37,702 34,981 
Mortgage banking3,768 2,838 8,344 16,798 
Other3,510 3,393 7,061 6,912 
Non-Interest Income Before Investment Securities Gains58,383 51,854 113,620 113,776 
Investment securities gains, net8 36 27 33,511 
Total Non-Interest Income58,391 51,890 113,647 147,287 
Non-Interest Expense
Salaries and employee benefits85,404 78,367 169,868 160,953 
Data processing and software14,685 13,932 29,000 27,493 
Net occupancy13,587 12,494 28,109 26,476 
Other outside services8,764 8,178 16,931 16,668 
State taxes3,568 4,384 6,605 8,889 
Equipment 3,422 3,424 6,845 6,852 
FDIC insurance2,961 2,282 6,170 4,906 
Professional fees2,013 2,651 3,805 5,430 
Marketing1,326 1,348 2,646 2,350 
Intangible amortization177 178 353 293 
Debt extinguishment 412  32,575 
Merger-related expenses1,027  1,428  
Other12,796 13,181 23,948 26,330 
Total Non-Interest Expense149,730 140,831 295,708 319,215 
Income Before Income Taxes85,992 76,958 163,530 163,919 
Income taxes16,003 11,994 29,253 25,892 
Net Income69,989 64,964 134,277 138,027 
Preferred stock dividends(2,562)(2,562)(5,124)(5,153)
Net Income Available to Common Shareholders$67,427 $62,402 $129,153 $132,874 
PER SHARE:
Net income available to common shareholders (basic)$0.42 $0.38 $0.80 $0.81 
Net income available to common shareholders (diluted)0.42 0.38 0.80 0.81 
Cash dividends0.15 0.14 0.30 0.28 
See Notes to Consolidated Financial Statements

6



CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
(in thousands)
 Three months ended June 30Six months ended June 30
 2022202120222021
 
Net Income$69,989 $64,964 $134,277 $138,027 
Other Comprehensive (Loss)/Income, net of tax:
Unrealized gains (losses) on AFS investment securities
Unrealized (loss)/gain on securities(88,352)19,298 (242,211)(20,701)
Reclassification adjustment for securities gains included in net income6 (28)21 349 
Amortization of net unrealized losses on AFS securities transferred to HTM(48,113)(270)(47,677)1,517 
         Net unrealized gains (losses) on AFS investment securities(136,459)19,000 (289,867)(18,835)
Unrealized (losses) gains on interest rate swaps used in cash flow hedges
         Net unrealized holding (losses) gains arising during the period(8,586)2,752 (39,962)1,158 
Reclassification adjustment for net (losses) gains realized in net income(335)(678)(1,842)(791)
 Net unrealized (losses) gains on interest rate swaps used in cash flow hedges(8,921)2,074 (41,804)367 
Defined benefit pension plan and postretirement benefits
Amortization of net unrecognized pension and postretirement items25 289 50 578 
Other Comprehensive (Loss)/Income(145,355)21,363 (331,621)(17,890)
Total Comprehensive (Loss) Income$(75,366)$86,327 $(197,344)$120,137 
See Notes to Consolidated Financial Statements

7



CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY (UNAUDITED)
(in thousands, except per-share data)
 Preferred StockCommon StockAdditionalRetained
Earnings
Accumulated Other Comprehensive
Income (Loss)
Treasury
Stock
Total
 SharesAmountSharesAmountPaid-in
Capital
Three months ended June 30, 2022
Balance at March 31, 2022200 $192,878 160,669 $560,045 $1,524,110 $1,320,076 $(158,855)$(868,719)$2,569,535 
Net income69,989 69,989 
Other comprehensive loss(145,355)(145,355)
Common stock issued388 1,136 (94)(1,137)(95)
Stock-based compensation awards3,740 3,740 
Preferred stock dividend(2,562)(2,562)
Common stock cash dividends - $0.15 per share
(24,159)(24,159)
Balance at June 30, 2022200 $192,878 161,057 $561,181 $1,527,756 $1,363,344 $(304,210)$(869,856)$2,471,093 
Three months ended June 30, 2021
Balance at March 31, 2021200 $192,878 162,517 $558,116 $1,511,101 $1,168,491 $25,838 $(826,769)$2,629,655 
Net income64,964 64,964 
Other comprehensive income21,363 21,363 
Common stock issued471 1,369 446 (1,568)247 
Stock-based compensation awards2,098 2,098 
Preferred stock dividend(2,562)(2,562)
Common stock cash dividends - $0.14 per share
(22,807)(22,807)
Balance at June 30, 2021200 $192,878 162,988 $559,485 $1,513,645 $1,208,086 $47,201 $(828,337)$2,692,958 
Six months ended June 30, 2022
Balance at December 31, 2021200 $192,878 160,490 $559,766 $1,519,873 $1,282,383 $27,411 $(869,631)$2,712,680 
Net income134,277 134,277 
Other comprehensive loss(331,621)(331,621)
Common stock issued567 1,415 1,508 (225)2,698 
Stock-based compensation awards6,375 6,375 
Preferred stock dividend(5,124)(5,124)
Common stock cash dividends - $0.30 per share
(48,192)(48,192)
Balance at June 30, 2022200 $192,878 161,057 $561,181 $1,527,756 $1,363,344 $(304,210)$(869,856)$2,471,093 
Six months ended June 30, 2021
Balance at December 31, 2020200 $192,878 162,350 $557,917 $1,508,117 $1,120,781 $65,091 $(827,956)$2,616,828 
Net income138,027 138,027 
Other comprehensive loss(17,890)(17,890)
Common stock issued638 1,568 1,528 (381)2,715 
Stock-based compensation awards4,000 4,000 
Preferred stock dividend(5,153)(5,153)
Common stock cash dividends - $0.28 per share
(45,569)(45,569)
Balance at June 30, 2021200 $192,878 162,988 $