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Fulton Financial's CEO Discusses Q4 2011 Results - Earnings Call Transcript

Although the pace of the decline continues to slow, we're also pleased with the meaningful decrease in our overall delinquency. Core factors that largely accounted for earnings decrease through the quarter or an increase in operating expenses, the October 1st implementation of new debit interchange restrictions, compression of our net interest margin and our decision to keep newly originated 10- and 15-year residential mortgages in our portfolio. As a result of this mortgage decision and as to be expected, our sale gains were lower for the quarter.

Read the rest of this transcript for free on seekingalpha.com

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