FULTON FINANCIAL CORP - FORM 8-K - EX-99.2 - SUPPLEMENTAL FINANCIAL INFORMATION

Attached files

file	filename
8-K - FULTON FINANCIAL CORP--FORM 8-K - FULTON FINANCIAL CORP	d8k.htm
EX-99.1 - EARNINGS RELEASE - FULTON FINANCIAL CORP	dex991.htm

Exhibit 99.2

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)

dollars in thousands


										% Change from
	June 30 2011			June 30 2010			March 31 2011			June 30 2010			March 31 2011
ASSETS
Cash and due from banks	$	284,691		$	268,371		$	265,353			6.1	%		7.3	%
Loans held for sale		47,133			93,504			30,903			(49.6	%)		52.5	%
Other interest-earning assets		124,967			433,687			83,293			(71.2	%)		50.0	%
Investment securities		2,663,044			2,892,890			2,697,434			(7.9	%)		(1.3	%)
Loans, net of unearned income		11,852,491			11,943,384			11,873,208			(0.8	%)		(0.2	%)
Allowance for loan losses		(266,683	)		(272,042	)		(270,272	)		(2.0	%)		(1.3	%)

Net Loans		11,585,808			11,671,342			11,602,936			(0.7	%)		(0.1	%)
Premises and equipment		207,177			205,299			208,370			0.9	%		(0.6	%)
Accrued interest receivable		51,387			54,763			52,878			(6.2	%)		(2.8	%)
Goodwill and intangible assets		545,909			550,302			546,934			(0.8	%)		(0.2	%)
Other assets		457,004			456,719			473,095			0.1	%		(3.4	%)

Total Assets	$	15,967,120		$	16,626,877		$	15,961,196			(4.0	%)		—


LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	12,262,895		$	12,345,472		$	12,408,610			(0.7	%)		(1.2	%)
Short-term borrowings		546,581			458,334			414,398			19.3	%		31.9	%
Federal Home Loan Bank advances and long-term debt		1,025,537			1,365,688			1,035,689			(24.9	%)		(1.0	%)
Other liabilities		178,798			226,172			192,177			(20.9	%)		(7.0	%)

Total Liabilities		14,013,811			14,395,666			14,050,874			(2.7	%)		(0.3	%)
Preferred stock		—			371,009			—			(100.0	%)		—
Common shareholders’ equity		1,953,309			1,860,202			1,910,322			5.0	%		2.3	%

Total Shareholders’ Equity		1,953,309			2,231,211			1,910,322			(12.5	%)		2.3	%

Total Liabilities and Shareholders’ Equity	$	15,967,120		$	16,626,877		$	15,961,196			(4.0	%)		—


LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
Real estate - commercial mortgage	$	4,443,025		$	4,330,630		$	4,392,679			2.6	%		1.1	%
Commercial - industrial, financial and agricultural		3,678,858			3,664,603			3,692,668			0.4	%		(0.4	%)
Real estate - home equity		1,626,545			1,637,171			1,620,340			(0.6	%)		0.4	%
Real estate - residential mortgage		1,023,646			985,345			1,022,251			3.9	%		0.1	%
Real estate - construction		681,588			893,305			747,806			(23.7	%)		(8.9	%)
Consumer		330,965			368,631			337,413			(10.2	%)		(1.9	%)
Leasing and other		67,864			63,699			60,051			6.5	%		13.0	%

Total Loans, net of unearned income	$	11,852,491		$	11,943,384		$	11,873,208			(0.8	%)		(0.2	%)

Deposits, by type:
Noninterest-bearing demand	$	2,445,008		$	2,147,153		$	2,310,290			13.9	%		5.8	%
Interest-bearing demand		2,290,478			2,024,033			2,324,988			13.2	%		(1.5	%)
Savings deposits		3,252,200			3,136,492			3,333,403			3.7	%		(2.4	%)
Time deposits		4,275,209			5,037,794			4,439,929			(15.1	%)		(3.7	%)

Total Deposits	$	12,262,895		$	12,345,472		$	12,408,610			(0.7	%)		(1.2	%)

Short-term borrowings, by type:
Customer repurchase agreements	$	208,948		$	247,775		$	216,705			(15.7	%)		(3.6	%)
Customer short-term promissory notes		171,454			200,992			189,408			(14.7	%)		(9.5	%)
Federal funds purchased		166,179			9,567			8,285			1,637.0	%		1,905.8	%

Total Short-term borrowings	$	546,581		$	458,334		$	414,398			19.3	%		31.9	%

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

dollars in thousands, except per-share data


	Quarter Ended									% Change from						Six Months Ended June 30						% Change
	Jun 30 2011			Jun 30 2010			Mar 31 2011			Jun 30 2010			Mar 31 2011			Six Months Ended June 30
	Jun 30 2011			Jun 30 2010			Mar 31 2011			Jun 30 2010			Mar 31 2011			2011			2010
Interest Income:
Interest income	$	174,935		$	187,680		$	175,694			(6.8	%)		(0.4	%)	$	350,629		$	378,268			(7.3	%)
Interest expense		34,290			48,522			36,131			(29.3	%)		(5.1	%)		70,421			100,601			(30.0	%)

Net Interest Income		140,645			139,158			139,563			1.1	%		0.8	%		280,208			277,667			0.9	%
Provision for credit losses		36,000			40,000			38,000			(10.0	%)		(5.3	%)		74,000			80,000			(7.5	%)

Net Interest Income after Provision		104,645			99,158			101,563			5.5	%		3.0	%		206,208			197,667			4.3	%
Other Income:
Service charges on deposit accounts		14,332			15,482			13,305			(7.4	%)		7.7	%		27,637			29,749			(7.1	%)
Other service charges and fees		12,709			11,469			11,482			10.8	%		10.7	%		24,191			21,634			11.8	%
Investment management and trust services		9,638			8,655			9,204			11.4	%		4.7	%		18,842			16,743			12.5	%
Mortgage banking income		6,049			3,899			5,463			55.1	%		10.7	%		11,512			8,048			43.0	%
Investment securities gains (losses)		(335	)		904			2,285			N/M			N/M			1,950			(1,319	)		N/M
Other		4,979			4,503			4,421			10.6	%		12.6	%		9,400			8,317			13.0	%

Total Other Income		47,372			44,912			46,160			5.5	%		2.6	%		93,532			83,172			12.5	%
Other Expenses:
Salaries and employee benefits		56,070			54,654			54,308			2.6	%		3.2	%		110,378			106,999			3.2	%
Net occupancy expense		10,874			10,519			11,366			3.4	%		(4.3	%)		22,240			22,169			0.3	%
Equipment expense		3,377			2,663			3,132			26.8	%		7.8	%		6,509			5,754			13.1	%
FDIC insurance expense		3,264			5,136			4,754			(36.4	%)		(31.3	%)		8,018			10,090			(20.5	%)
Data processing		3,214			3,311			3,372			(2.9	%)		(4.7	%)		6,586			6,728			(2.1	%)
Professional fees		3,102			3,035			2,849			2.2	%		8.9	%		5,951			5,581			6.6	%
OREO and repossession expense		2,575			1,876			1,970			37.3	%		30.7	%		4,545			4,557			(0.3	%)
Marketing		1,863			2,271			2,836			(18.0	%)		(34.3	%)		4,699			4,101			14.6	%
Intangible amortization		1,172			1,341			1,178			(12.6	%)		(0.5	%)		2,350			2,655			(11.5	%)
Other		16,967			16,299			15,798			4.1	%		7.4	%		32,765			32,493			0.8	%

Total Other Expenses		102,478			101,105			101,563			1.4	%		0.9	%		204,041			201,127			1.4	%

Income Before Income Taxes		49,539			42,965			46,160			15.3	%		7.3	%		95,699			79,712			20.1	%
Income tax expense		13,154			11,283			12,375			16.6	%		6.3	%		25,529			20,550			24.2	%

Net Income		36,385			31,682			33,785			14.8	%		7.7	%		70,170			59,162			18.6	%
Preferred stock dividends and discount accretion		—			(5,066	)		—			(100.0	%)		—			—			(10,131	)		(100.0	%)

Net Income Available to Common Shareholders	$	36,385		$	26,616		$	33,785			36.7	%		7.7	%	$	70,170		$	49,031			43.1	%


PER COMMON SHARE:
Net income:
Basic	$	0.18		$	0.14		$	0.17			28.6	%		5.9	%	$	0.35		$	0.27			29.6	%
Diluted		0.18			0.14			0.17			28.6	%		5.9	%		0.35			0.27			29.6	%

Cash dividends	$	0.05		$	0.03		$	0.04			66.7	%		25.0	%	$	0.09		$	0.06			50.0	%
Shareholders’ equity		9.80			9.37			9.59			4.6	%		2.2	%		9.80			9.37			4.6	%
Shareholders’ equity (tangible)		7.06			6.60			6.84			7.0	%		3.2	%		7.06			6.60			7.0	%

Weighted average shares (basic)		198,772			190,221			198,599			4.5	%		0.1	%		198,686			183,236			8.4	%
Weighted average shares (diluted)		199,527			190,827			199,286			4.6	%		0.1	%		199,407			183,793			8.5	%
Shares outstanding, end of period		199,370			198,463			199,191			0.5	%		0.1	%		199,370			198,463			0.5	%

SELECTED FINANCIAL RATIOS:
Return on average assets		0.91	%		0.77	%		0.85	%								0.88	%		0.72	%
Return on average common shareholders’ equity		7.53	%		6.06	%		7.21	%								7.38	%		5.90	%
Return on average common shareholders’ equity (tangible)		10.71	%		9.10	%		10.36	%								10.54	%		9.11	%
Net interest margin		3.95	%		3.76	%		3.91	%								3.93	%		3.77	%
Efficiency ratio		52.67	%		53.34	%		53.57	%								53.11	%		53.65	%

N/M - Not meaningful

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

dollars in thousands


	Quarter Ended
	June 30, 2011									June 30, 2010									March 31, 2011
	Average Balance			Interest (1)			Yield/ Rate			Average Balance			Interest (1)			Yield/ Rate			Average Balance			Interest (1)			Yield/ Rate
ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,883,019		$	151,974			5.13	%	$	11,959,176		$	159,632			5.35	%	$	11,921,442		$	151,686			5.15	%
Taxable investment securities		2,141,307			20,749			3.88	%		2,386,695			25,146			4.22	%		2,331,323			21,807			3.75	%
Tax-exempt investment securities		343,214			4,840			5.64	%		355,186			5,152			5.80	%		344,457			4,885			5.67	%
Equity securities		128,258			775			2.42	%		140,271			733			2.09	%		132,841			752			2.28	%

Total Investment Securities		2,612,779			26,364			4.04	%		2,882,152			31,031			4.31	%		2,808,621			27,444			3.91	%
Loans held for sale		36,793			492			5.34	%		59,412			667			4.49	%		45,418			500			4.41	%
Other interest-earning assets		163,548			101			0.25	%		366,200			231			0.25	%		66,381			33			0.20	%

Total Interest-earning Assets		14,696,139			178,931			4.88	%		15,266,940			191,561			5.03	%		14,841,862			179,663			4.90	%
Noninterest-earning assets:
Cash and due from banks		278,393									261,576									260,395
Premises and equipment		207,141									203,928									207,389
Other assets		1,098,116									1,102,587									1,102,543
Less: allowance for loan losses		(273,593	)								(275,209	)								(282,017	)

Total Assets	$	16,006,196								$	16,559,822								$	16,130,172


LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	2,352,961		$	1,371			0.23	%	$	2,019,605		$	1,840			0.37	%	$	2,322,098		$	1,436			0.25	%
Savings deposits		3,356,361			3,258			0.39	%		3,090,857			5,388			0.70	%		3,282,790			3,358			0.41	%
Time deposits		4,353,352			17,146			1.58	%		5,120,648			24,591			1.93	%		4,532,528			18,492			1.65	%

Total Interest-bearing Deposits		10,062,674			21,775			0.87	%		10,231,110			31,819			1.25	%		10,137,416			23,286			0.93	%
Short-term borrowings		455,831			168			0.15	%		512,583			390			0.30	%		622,662			254			0.16	%
Federal Home Loan Bank advances and long-term debt		1,025,637			12,347			4.82	%		1,403,410			16,313			4.66	%		1,061,523			12,591			4.78	%

Total Interest-bearing Liabilities		11,544,142			34,290			1.19	%		12,147,103			48,522			1.60	%		11,821,601			36,131			1.24	%
Noninterest-bearing liabilities:
Demand deposits		2,362,614									2,079,674									2,238,200
Other		162,202									199,778									170,930

Total Liabilities		14,068,958									14,426,555									14,230,731
Shareholders’ equity		1,937,238									2,133,267									1,899,441

Total Liabilities and Shareholders’ Equity	$	16,006,196								$	16,559,822								$	16,130,172

Net interest income/net interest margin (fully taxable equivalent)					144,641			3.95	%					143,039			3.76	%					143,532			3.91	%

Tax equivalent adjustment					(3,996	)								(3,881	)								(3,969	)

Net interest income				$	140,645								$	139,158								$	139,563

(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
	June 30 2011		June 30 2010		March 31 2011		June 30 2010			March 31 2011
Loans, by type:
Real estate - commercial mortgage	$	4,430,046	$	4,319,540	$	4,385,072		2.6	%		1.0	%
Commercial - industrial, financial and agricultural		3,689,877		3,686,442		3,707,081		0.1	%		(0.5	%)
Real estate - home equity		1,623,438		1,638,260		1,628,550		(0.9	%)		(0.3	%)
Real estate - residential mortgage		1,023,471		972,129		1,017,439		5.3	%		0.6	%
Real estate - construction		712,638		909,836		779,556		(21.7	%)		(8.6	%)
Consumer		332,960		362,883		341,247		(8.2	%)		(2.4	%)
Leasing and other		70,589		70,086		62,497		0.7	%		12.9	%


Total Loans, net of unearned income	$	11,883,019	$	11,959,176	$	11,921,442		(0.6	%)		(0.3	%)


Deposits, by type:
Noninterest-bearing demand	$	2,362,614	$	2,079,674	$	2,238,200		13.6	%		5.6	%
Interest-bearing demand		2,352,961		2,019,605		2,322,098		16.5	%		1.3	%
Savings deposits		3,356,361		3,090,857		3,282,790		8.6	%		2.2	%
Time deposits		4,353,352		5,120,648		4,532,528		(15.0	%)		(4.0	%)


Total Deposits	$	12,425,288	$	12,310,784	$	12,375,616		0.9	%		0.4	%


Short-term borrowings, by type:
Customer repurchase agreements	$	217,657	$	263,533	$	212,931		(17.4	%)		2.2	%
Customer short-term promissory notes		171,958		207,100		190,385		(17.0	%)		(9.7	%)
Federal funds purchased		66,216		41,950		219,346		57.8	%		(69.8	%)


Total Short-term borrowings	$	455,831	$	512,583	$	622,662		(11.1	%)		(26.8	%)

FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

dollars in thousands


	Six Months Ended June 30
	2011									2010
	Average Balance			Interest (1)			Yield/Rate			Average Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
Loans, net of unearned income	$	11,902,124		$	303,660			5.14	%	$	11,965,446		$	319,056			5.37	%
Taxable investment securities		2,235,789			42,556			3.81	%		2,524,149			53,295			4.23	%
Tax-exempt investment securities		343,832			9,725			5.66	%		371,488			10,683			5.75	%
Equity securities		130,537			1,527			2.35	%		141,079			1,542			2.19	%

Total Investment Securities		2,710,158			53,808			3.97	%		3,036,716			65,520			4.32	%
Loans held for sale		41,082			992			4.83	%		51,220			1,223			4.77	%
Other interest-earning assets		115,233			134			0.23	%		189,479			256			0.27	%

Total Interest-earning Assets		14,768,597			358,594			4.89	%		15,242,861			386,055			5.10	%
Noninterest-earning assets:
Cash and due from banks		269,444									262,357
Premises and equipment		207,263									203,757
Other assets		1,100,319									1,094,653
Less: allowance for loan losses		(277,782	)								(274,322	)

Total Assets	$	16,067,841								$	16,529,306


LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	2,337,615		$	2,807			0.24	%	$	2,000,734		$	3,680			0.37	%
Savings deposits		3,319,778			6,616			0.40	%		2,969,814			10,589			0.72	%
Time deposits		4,442,446			35,638			1.62	%		5,161,583			51,288			2.00	%

Total Interest-bearing Deposits		10,099,839			45,061			0.90	%		10,132,131			65,557			1.30	%
Short-term borrowings		538,786			422			0.16	%		691,289			939			0.27	%
Federal Home Loan Bank advances and long-term debt		1,043,481			24,938			4.80	%		1,443,600			34,105			4.75	%

Total Interest-bearing Liabilities		11,682,106			70,421			1.21	%		12,267,020			100,601			1.65	%
Noninterest-bearing liabilities:
Demand deposits		2,300,750									2,026,705
Other		166,541									190,207

Total Liabilities		14,149,397									14,483,932
Shareholders’ equity		1,918,444									2,045,374

Total Liabilities and Shareholders’ Equity	$	16,067,841								$	16,529,306

Net interest income/net interest margin (fully taxable equivalent)					288,173			3.93	%					285,454			3.77	%

Tax equivalent adjustment					(7,965	)								(7,787	)

Net interest income				$	280,208								$	277,667

(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:


	Six Months Ended June 30
	2011		2010		% Change
Loans, by type:
Real estate - commercial mortgage	$	4,407,683	$	4,312,942		2.2	%
Commercial - industrial, financial and agricultural		3,698,430		3,686,425		0.3	%
Real estate - home equity		1,625,980		1,639,579		(0.8	%)
Real estate - residential mortgage		1,020,471		956,478		6.7	%
Real estate - construction		745,912		935,861		(20.3	%)
Consumer		337,080		362,549		(7.0	%)
Leasing and other		66,568		71,612		(7.0	%)


Total Loans, net of unearned income	$	11,902,124	$	11,965,446		(0.5	%)


Deposits, by type:
Noninterest-bearing demand	$	2,300,750	$	2,026,705		13.5	%
Interest-bearing demand		2,337,615		2,000,734		16.8	%
Savings deposits		3,319,778		2,969,814		11.8	%
Time deposits		4,442,446		5,161,583		(13.9	%)


Total Deposits	$	12,400,589	$	12,158,836		2.0	%


Short-term borrowings, by type:
Customer repurchase agreements	$	215,307	$	256,298		(16.0	%)
Customer short-term promissory notes		181,121		215,224		(15.8	%)
Federal funds purchased		142,358		219,767		(35.2	%)


Total Short-term borrowings	$	538,786	$	691,289		(22.1	%)

FULTON FINANCIAL CORPORATION

ASSET QUALITY INFORMATION (UNAUDITED)

dollars in thousands


	Quarter Ended									Six Months Ended
	June 30			June 30			Mar 31			June 30
	2011			2010			2011			2011			2010
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period	$	271,156		$	269,254		$	275,498		$	275,498		$	257,553
Loans charged off:
Commercial - industrial, financial and agricultural		(15,406	)		(13,390	)		(13,336	)		(28,742	)		(16,371	)
Real estate - residential mortgage		(7,707	)		(1,880	)		(4,996	)		(12,703	)		(3,271	)
Real estate - construction		(7,468	)		(9,299	)		(13,894	)		(21,362	)		(29,852	)
Real estate - commercial mortgage		(7,074	)		(3,915	)		(10,047	)		(17,121	)		(6,259	)
Consumer and home equity		(2,331	)		(2,438	)		(2,759	)		(5,090	)		(4,516	)
Leasing and other		(689	)		(610	)		(497	)		(1,186	)		(1,255	)

Total loans charged off		(40,675	)		(31,532	)		(45,529	)		(86,204	)		(61,524	)
Recoveries of loans charged off:
Commercial - industrial, financial and agricultural		1,003			1,157			391			1,394			1,593
Real estate - residential mortgage		190			3			44			234			4
Real estate - construction		79			581			563			642			896
Real estate - commercial mortgage		191			157			1,535			1,726			285
Consumer and home equity		435			488			310			745			1,040
Leasing and other		254			269			344			598			530

Recoveries of loans previously charged off		2,152			2,655			3,187			5,339			4,348

Net loans charged off		(38,523	)		(28,877	)		(42,342	)		(80,865	)		(57,176	)
Provision for credit losses		36,000			40,000			38,000			74,000			80,000

Balance at end of period	$	268,633		$	280,377		$	271,156		$	268,633		$	280,377

Net charge-offs to average loans (annualized)		1.30	%		0.97	%		1.42	%		1.36	%		0.96	%


NON-PERFORMING ASSETS:
Non-accrual loans	$	274,973		$	263,227		$	280,270
Loans 90 days past due and accruing		35,869			53,707			37,768

Total non-performing loans		310,842			316,934			318,038
Other real estate owned		37,493			25,681			37,044

Total non-performing assets	$	348,335		$	342,615		$	355,082


NON-PERFORMING LOANS, BY TYPE:
Real estate - commercial mortgage	$	102,724		$	101,378		$	97,305
Commercial - industrial, financial and agricultural		94,855			77,587			86,050
Real estate - construction		58,381			79,122			72,880
Real estate - residential mortgage		43,200			45,639			49,998
Real estate - home equity		9,440			11,090			9,314
Consumer		2,090			2,025			2,258
Leasing		152			93			233

Total non-performing loans	$	310,842		$	316,934		$	318,038

DELINQUENCY RATES, BY TYPE:


	June 30, 2011									June 30, 2010									March 31, 2011
	31-89 Days			³90 Days (1)			Total			31-89 Days			³90 Days (1)			Total			31-89 Days			³90 Days (1)			Total
Real estate - commercial mortgage		0.57	%		2.32	%		2.89	%		0.81	%		2.34	%		3.15	%		0.66	%		2.21	%		2.87	%
Commercial - industrial, financial and agricultural		0.54	%		2.58	%		3.12	%		0.46	%		2.12	%		2.58	%		0.50	%		2.33	%		2.83	%
Real estate - construction		0.62	%		8.56	%		9.18	%		1.07	%		8.86	%		9.93	%		0.56	%		9.75	%		10.31	%
Real estate - residential mortgage		3.37	%		4.22	%		7.59	%		3.65	%		4.63	%		8.28	%		3.47	%		4.89	%		8.36	%
Real estate - home equity		0.74	%		0.58	%		1.32	%		0.83	%		0.68	%		1.51	%		0.74	%		0.57	%		1.31	%
Consumer, leasing and other		1.22	%		0.56	%		1.78	%		1.37	%		0.49	%		1.86	%		1.26	%		0.64	%		1.90	%

Total		0.85	%		2.63	%		3.48	%		0.98	%		2.65	%		3.63	%		0.88	%		2.67	%		3.55	%

(1)	Includes non-accrual loans

ASSET QUALITY RATIOS:


	June 30 2011			June 30 2010			Mar 31 2011
Non-accrual loans to total loans		2.32	%		2.20	%		2.36	%
Non-performing assets to total loans and OREO		2.93	%		2.86	%		2.98	%
Non-performing assets to total assets		2.18	%		2.06	%		2.22	%
Allowance for credit losses to loans outstanding		2.27	%		2.35	%		2.28	%
Allowance for credit losses to non-performing loans		86.42	%		88.47	%		85.26	%
Non-performing assets to tangible common shareholders’ equity and allowance for credit losses		20.78	%		21.54	%		21.72	%

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