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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2020
huntingtonlogo.jpg
Huntington Bancshares Incorporated
(Exact name of registrant as specified in its charter)
Maryland
1-34073
31-0724920
(State or other jurisdiction of
incorporation or organization)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
Registrant’s address: 41 South High Street, Columbus, Ohio 43287
Registrant’s telephone number, including area code: (614480-2265
Securities registered pursuant to Section 12(b) of the Act
Title of class
Trading
Symbol(s)
Name of exchange on which registered
Common Stock—Par Value $0.01 per Share
HBAN
NASDAQ
Depositary Shares (each representing a 1/40th interest in a share of 5.875% Series C Non-Cumulative, perpetual preferred stock)
HBANN
NASDAQ
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
HBANO
NASDAQ
 
 
 
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 and (2) has been subject to such filing requirements for the past 90 days.     x  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).     x  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
x
 
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    x  No
There were 1,014,218,094 shares of the registrant’s common stock ($0.01 par value) outstanding on March 31, 2020.


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HUNTINGTON BANCSHARES INCORPORATED
INDEX
 
 
 

2 Huntington Bancshares Incorporated

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Glossary of Acronyms and Terms

The following listing provides a comprehensive reference of common acronyms and terms used throughout the document:
 
ACL
  
Allowance for Credit Losses
AFS
  
Available-for-Sale
ALLL
  
Allowance for Loan and Lease Losses
AOCI
 
Accumulated Other Comprehensive Income
ASC
  
Accounting Standards Codification
AULC
  
Allowance for Unfunded Loan Commitments
Basel III
  
Refers to the final rule issued by the FRB and OCC and published in the Federal Register on October 11, 2013
CARES Act
 
Coronavirus Aid, Relief, and Economic Security Act
C&I
  
Commercial and Industrial
CCAR
  
Comprehensive Capital Analysis and Review
CDs
  
Certificates of Deposit
CECL
 
Current Expected Credit Loss
CET1
  
Common Equity Tier 1 on a Basel III basis
CFPB
  
Bureau of Consumer Financial Protection
CMO
  
Collateralized Mortgage Obligations
COVID-19
 
Coronavirus Disease 2019
CRE
  
Commercial Real Estate
EAD
 
Exposure at Default
EVE
  
Economic Value of Equity
FASB
 
Financial Accounting Standards Board
FDIC
  
Federal Deposit Insurance Corporation
FHFA
 
Federal Housing Finance Agency
FHLB
  
Federal Home Loan Bank of Cincinnati
FICO
  
Fair Isaac Corporation
FRB
  
Federal Reserve Bank
FTE
  
Fully-Taxable Equivalent
FTP
  
Funds Transfer Pricing
FVO
 
Fair Value Option
GAAP
  
Generally Accepted Accounting Principles in the United States of America
HTM
  
Held-to-Maturity
IRS
  
Internal Revenue Service
LCR
  
Liquidity Coverage Ratio
LIBOR
  
London Interbank Offered Rate
LIHTC
  
Low Income Housing Tax Credit
MBS
  
Mortgage-Backed Securities
MD&A
  
Management’s Discussion and Analysis of Financial Condition and Results of Operations
MSR
  
Mortgage Servicing Right
NAICS
  
North American Industry Classification System
NALs
  
Nonaccrual Loans
NCO
  
Net Charge-off
NII
  
Noninterest Income
NIM
  
Net Interest Margin
NPAs
  
Nonperforming Assets

2020 1Q Form 10-Q 3


Table of Contents

OCC
  
Office of the Comptroller of the Currency
OCI
  
Other Comprehensive Income (Loss)
OLEM
  
Other Loans Especially Mentioned
OREO
  
Other Real Estate Owned
OTTI
  
Other-Than-Temporary Impairment
PCD
 
Purchased-Credit-Deteriorated
PPP
 
Paycheck Protection Program
PPPLF
 
Paycheck Protection Program Liquidity Facility
RBHPCG
  
Regional Banking and The Huntington Private Client Group
ROC
 
Risk Oversight Committee
SBA
 
Small Business Administration
SEC
  
Securities and Exchange Commission
TDR
  
Troubled Debt Restructuring
U.S. Treasury
  
U.S. Department of the Treasury
UCS
  
Uniform Classification System
VIE
  
Variable Interest Entity
XBRL
  
eXtensible Business Reporting Language





4 Huntington Bancshares Incorporated

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PART I. FINANCIAL INFORMATION
When we refer to “we”, “our”, and “us”, “Huntington”, and “the Company” in this report, we mean Huntington Bancshares Incorporated and our consolidated subsidiaries, unless the context indicates that we refer only to the parent company, Huntington Bancshares Incorporated. When we refer to the “Bank” in this report, we mean our only bank subsidiary, The Huntington National Bank, and its subsidiaries.

2020 1Q Form 10-Q 5


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Item 2: Management’s Discussion and Analysis of Financial Condition and Results of Operations
INTRODUCTION
We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through the Bank, we have over 150 years of servicing the financial needs of our customers. Through our subsidiaries, we provide full-service commercial and consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment financing, investment management, trust services, brokerage services, insurance products and services, and other financial products and services. Our 839 full-service branches and private client group offices are located in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio. Our foreign banking activities, in total or with any individual country, are not significant.
This MD&A provides information we believe necessary for understanding our financial condition, changes in financial condition, results of operations, and cash flows. The MD&A included in our 2019 Form 10-K should be read in conjunction with this MD&A as this discussion provides only material updates to the 2019 Form 10-K. This MD&A should also be read in conjunction with the Unaudited Condensed Consolidated Financial Statements, Notes to Unaudited Condensed Consolidated Financial Statements, and other information contained in this report.
EXECUTIVE OVERVIEW
Summary of 2020 First Quarter Results Compared to 2019 First Quarter
For the quarter, we reported net income of $48 million, or $0.03 per common share, compared with $358 million, or $0.32 per common share, in the year-ago quarter (see Table 1).
Fully-taxable equivalent net interest income was $796 million, down $33 million, or 4%. This reflected a 25 basis point decrease in the FTE net interest margin to 3.14%, partially offset by the benefit from the $2.6 billion, or 3%, increase in average earning assets.
The provision for credit losses increased $374 million year-over-year to $441 million in the 2020 first quarter. Net charge-offs increased $46 million to $117 million. The oil and gas portfolio accounted for approximately 27% of total commercial NCOs, while one large relationship in the coal industry accounted for an additional 45%. Consumer NCOs were down on a year-over-year basis, consistent with our expectations. NCOs represented an annualized 0.62% of average loans and leases in the current quarter, up from 0.38% in the year-ago quarter.
Noninterest income was $361 million, up $42 million, or 13%, from the year ago quarter. Mortgage banking income increased $37 million, or 176%, and capital markets fees increased $11 million, or 50%. Partially offsetting these increases, other noninterest income decreased $8 million, or 21%, while gain on sale of loans and leases decreased $5 million, or 38%.
Noninterest expense was $652 million, relatively flat from the year-ago quarter.
Common Equity Tier 1 risk-based capital ratio was 9.47%, down from 9.84% a year ago. The regulatory Tier 1 risk-based capital ratio was 10.81% compared to 11.25% at March 31, 2019. All capital ratios were impacted by year-over-year balance sheet growth. The capital impact of the repurchase of $504 million of common stock over the last four quarters, including $88 million repurchased during the 2020 first quarter, and cash dividends effectively offset earnings on a year-over-year basis.

6 Huntington Bancshares Incorporated

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Business Overview
General
Our general business objectives are:
Consistent organic revenue and balance sheet growth.
Invest in our businesses, particularly technology and risk management.
Deliver positive operating leverage.
Maintain aggregate moderate-to-low risk appetite.
Disciplined capital management.
COVID-19
The COVID-19 pandemic has caused significant, unprecedented disruption around the world that has affected daily living and negatively impacted the global economy. The pandemic has resulted in temporary closures of many businesses and the institution of social distancing and shelter in place requirements in many states and communities, which has increased unemployment levels and caused extreme volatility in the financial markets. While COVID-19 has negatively impacted the economy, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) provides for financial stimulus and government lending programs at unprecedented levels. The benefits of these programs, as well as any potential additional stimulus, to effectively support businesses and consumers within the economy are uncertain.
Huntington was able to react quickly to these changes because of the commitment and flexibility of its workforce coupled with a well-prepared business continuity plan. To ensure the safety of our branch colleagues, while still meeting the needs of our customers, we have moved to use of branches with drive-thru only with in-person meetings by appointment. For other colleagues, we have implemented a work-from-home approach with increased communication to keep them informed, engaged and connected. Additional benefits, such as emergency paid time off and other programs for those whose families have been directly impacted by the virus, have been added.
For our customers, we have established a variety of relief programs which include loan payment deferrals, fee waivers and the suspension of foreclosure and repossessions. In addition to these measures, we are working with our customers to originate business loans made available through the Small Business Administration Paycheck Protection Program, a lending program established as part of the relief to American consumers and businesses in the CARES Act. As of April 16, 2020, we have processed approximately 26,000 applications totaling over $6.1 billion.
CARES Act
The CARES Act was passed by Congress and signed into law on March 27, 2020.  The CARES Act includes an allocation of $349 billion for loans to be issued by financial institutions through the Small Business Administration (“SBA”).  This program is known as the Paycheck Protection Program (“PPP”).  PPP loans are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP.  These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part.  Payments are deferred for the first six months of the loan. The loans are 100% guaranteed by the SBA.  The SBA pays the originating bank a processing fee ranging from 1% to 5%, based on the size of the loan.  The Paycheck Protection Program and Health Care Enhancement Act (“PPP / HCEA Act”) was passed by Congress on April 23, 2020 and signed into law on April 24, 2020.  The PPP / HCEA Act authorizes additional funding under the CARES Act of $310 billion for PPP loans to be issued by financial institutions through the SBA.  In addition, the FRB has implemented a liquidity facility available to financial institutions participating in the PPP (“PPPLF”).  In conjunction with the PPP, the PPPLF will allow the Federal Reserve Banks to lend to member banks on a non-recourse basis with PPP loans as collateral.
Additionally, the CARES Act provides for relief on existing and new SBA loans through Small Business Debt Relief. As part of the SBA Small Business Debt Relief, the SBA will automatically pay principal, interest and fees of certain SBA loans for a period of six months for both existing loans and new loans issued prior to September 27, 2020. At March 31, 2020, approximately 12,000 Huntington customers are eligible for this relief. The CARES Act also provides for Mortgage Payment Relief and a foreclosure moratorium.

2020 1Q Form 10-Q 7


Table of Contents

Federal Reserve Bank Actions
The FRB has taken a range of actions to support the flow of credit to households and businesses. For example, on March 15, 2020, the FRB reduced the target range for the federal funds rate to 0 to 0.25% and announced that it would increase its holdings of U.S. Treasury securities and agency mortgage-backed securities and begin purchasing agency commercial mortgage-backed securities. The FRB has also encouraged depository institutions to borrow from the discount window and has lowered the primary credit rate for such borrowing by 150 basis points while extending the term of such loans up to 90 days. Reserve requirements have been reduced to zero as of March 26, 2020.
The FRB has established, or has taken steps to establish, a range of facilities and programs to support the U.S. economy and U.S. marketplace participants in response to economic disruptions associated with COVID-19, including among others, main street lending facilities to purchase loan participations, under specified conditions, from banks lending to small and medium U.S. businesses.  We may participate in some or all of them, including as a lender, agent, or intermediary on behalf of clients or customers or in an advisory capacity.
Economy
As we entered 2020, the underlying economic fundamentals in our footprint were relatively healthy. The COVID-19 pandemic has altered those fundamentals for the foreseeable future and we believe the economy will be challenged for some time.
DISCUSSION OF RESULTS OF OPERATIONS
This section provides a review of financial performance from a consolidated perspective. Key Unaudited Condensed Consolidated Balance Sheet and Unaudited Condensed Statement of Income trends are discussed. All earnings per share data are reported on a diluted basis. For additional insight on financial performance, please read this section in conjunction with the “Business Segment Discussion”.

8 Huntington Bancshares Incorporated

Table of Contents


Table 1 - Selected Quarterly Income Statement Data
 
Three Months Ended
 
March 31,
 
December 31,
 
September 30,
 
June 30,
 
March 31,
(amounts in millions, except per share data)
2020
 
2019
 
2019
 
2019
 
2019
Interest income
$
975

 
$
1,011

 
$
1,052

 
$
1,068

 
$
1,070

Interest expense
185

 
231

 
253

 
256

 
248

Net interest income
790

 
780

 
799

 
812

 
822

Provision for credit losses
441

 
79

 
82

 
59

 
67

Net interest income after provision for credit losses
349

 
701

 
717

 
753

 
755

Service charges on deposit accounts
87

 
95

 
98

 
92

 
87

Card and payment processing income
58

 
64

 
64

 
63

 
56

Trust and investment management services
47

 
47

 
44

 
43

 
44

Mortgage banking income
58

 
58

 
54

 
34

 
21

Capital markets fees
33

 
31

 
36

 
34

 
22

Insurance income
23

 
24

 
20

 
23

 
21

Bank owned life insurance income
16

 
17

 
18

 
15

 
16

Gain on sale of loans and leases
8

 
16

 
13

 
13

 
13

Net (losses) gains on sales of securities

 
(22
)
 

 
(2
)
 

Other noninterest income
31

 
42

 
42

 
59

 
39

Total noninterest income
361

 
372

 
389

 
374

 
319

Personnel costs
395

 
426

 
406

 
428

 
394

Outside data processing and other services
85

 
89

 
87

 
89

 
81

Equipment
41

 
42

 
41

 
40

 
40

Net occupancy
40

 
41

 
38

 
38

 
42

Professional services
11

 
14

 
16

 
12

 
12

Amortization of intangibles
11

 
12

 
12

 
12

 
13

Marketing
9

 
9

 
10

 
11

 
7

Deposit and other insurance expense
9

 
10

 
8

 
8

 
8

Other noninterest expense
51

 
58

 
49

 
62

 
56

Total noninterest expense
652

 
701

 
667

 
700

 
653

Income before income taxes
58

 
372

 
439

 
427

 
421

Provision for income taxes
10

 
55

 
67

 
63

 
63

Net income
48

 
317

 
372

 
364

 
358

Dividends on preferred shares
18

 
19

 
18

 
18

 
19

Net income applicable to common shares
$
30

 
$
298

 
$
354

 
$
346

 
$
339

 
 
 
 
 
 
 
 
 
 
Average common shares—basic
1,018

 
1,029

 
1,035

 
1,045

 
1,047

Average common shares—diluted
1,035

 
1,047

 
1,051

 
1,060

 
1,066

Net income per common share—basic
$
0.03

 
$
0.29

 
$
0.34

 
$
0.33

 
$
0.32

Net income per common share—diluted
0.03

 
0.28

 
0.34

 
0.33

 
0.32

Return on average total assets
0.17
%
 
1.15
%
 
1.37
%
 
1.36
%
 
1.35
%
Return on average common shareholders’ equity
1.1

 
11.1

 
13.4

 
13.5

 
13.8

Return on average tangible common shareholders’ equity (1)
1.8

 
14.3

 
17.3

 
17.7

 
18.3

Net interest margin (2)
3.14

 
3.12

 
3.20

 
3.31

 
3.39

Efficiency ratio (3)
55.4

 
58.4

 
54.7

 
57.6

 
55.8

Effective tax rate
17.0

 
14.8

 
15.4

 
14.6

 
15.0

Revenue—FTE
 
 
 
 
 
 
 
 
 
Net interest income
$
790

 
$
780

 
$
799

 
$
812

 
$
822

FTE adjustment
6

 
6

 
6

 
7

 
7

Net interest income (2)
796

 
786

 
805

 
819

 
829

Noninterest income
361

 
372

 
389

 
374

 
319

Total revenue (2)
$
1,157

 
$
1,158

 
$
1,194

 
$
1,193

 
$
1,148

(1)
Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 21% tax rate.
(2)
On an FTE basis assuming a 21% tax rate.
(3)
Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains.

2020 1Q Form 10-Q 9


Table of Contents

Net Interest Income / Average Balance Sheet
The following tables detail the change in our average balance sheet and the net interest margin:
Table 2 - Consolidated Average Balance Sheet and Net Interest Margin Analysis
 
Average Balances
 
 
 
 
 
Three Months Ended
 
Change
 
March 31,
 
December 31,
 
September 30,
 
June 30,
 
March 31,
 
1Q20 vs. 1Q19
(dollar amounts in millions)
2020
 
2019
 
2019
 
2019
 
2019
 
Amount
 
Percent
Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest-bearing deposits in Federal Reserve Bank
$
680

 
$
672

 
$
514

 
$
518

 
$
501

 
$
179

 
36
 %
Interest-bearing deposits in banks
150

 
176

 
149

 
135

 
109

 
41

 
38

Securities:
 
 
 
 
 
 
 
 
 
 
 
 


Trading account securities
95

 
109

 
137

 
161

 
138

 
(43
)
 
(31
)
Available-for-sale securities:
 
 
 
 
 
 
 
 
 
 
 
 


Taxable
11,671

 
11,221

 
11,096

 
10,501

 
10,752

 
919

 
9

Tax-exempt
2,753

 
2,791

 
2,820

 
2,970

 
3,048

 
(295
)
 
(10
)
Total available-for-sale securities
14,424

 
14,012

 
13,916

 
13,471

 
13,800

 
624

 
5

Held-to-maturity securities—taxable
9,428

 
8,592

 
8,566

 
8,771

 
8,653

 
775

 
9

Other securities
445

 
448

 
437

 
466

 
536

 
(91
)
 
(17
)
Total securities
24,392

 
23,161

 
23,056

 
22,869

 
23,127

 
1,265

 
5

Loans held for sale
865

 
950

 
877

 
734

 
700

 
165

 
24

Loans and leases: (3)
 
 
 
 
 
 
 
 
 
 
 
 


Commercial:
 
 
 
 
 
 
 
 
 
 
 
 


Commercial and industrial
30,849

 
30,373

 
30,632

 
30,644

 
30,546

 
303

 
1

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 


Construction
1,165

 
1,181

 
1,165

 
1,168

 
1,174

 
(9
)
 
(1
)
Commercial
5,566

 
5,625

 
5,762

 
5,732

 
5,686

 
(120
)
 
(2
)
Commercial real estate
6,731

 
6,806

 
6,927

 
6,900

 
6,860

 
(129
)
 
(2
)
Total commercial
37,580

 
37,179

 
37,559

 
37,544

 
37,406

 
174

 

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 


Automobile
12,924

 
12,607

 
12,181

 
12,219

 
12,361

 
563

 
5

Home equity
9,026

 
9,192

 
9,353

 
9,482

 
9,641

 
(615
)
 
(6
)
Residential mortgage
11,391

 
11,330

 
11,214

 
11,010

 
10,787

 
604

 
6

RV and marine
3,590

 
3,564

 
3,528

 
3,413

 
3,296

 
294

 
9

Other consumer
1,185

 
1,231

 
1,261

 
1,264

 
1,284

 
(99
)
 
(8
)
Total consumer
38,116

 
37,924

 
37,537

 
37,388

 
37,369

 
747

 
2

Total loans and leases
75,696

 
75,103

 
75,096

 
74,932

 
74,775

 
921

 
1

Allowance for loan and lease losses
(1,239
)
 
(787
)
 
(799
)
 
(778
)
 
(780
)
 
(459
)
 
(59
)