EXHIBIT 99
HUNTINGTON BANCSHARES INCORPORATED
RATIO OF EARNINGS TO FIXED CHARGES
(Amounts in thousands, except for ratios)
THREE MONTHS ENDED SIX MONTHS ENDED
JUNE 30 JUNE 30
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2000 1999 2000 1999
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EXCLUDING INTEREST ON DEPOSITS
Income before taxes....................... $134,560 $155,260 $285,138 $297,242
Fixed charges:
Interest expense................... 94,477 84,184 186,694 164,050
Interest factor of rent expense.... 3,450 1,609 7,055 4,074
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Total fixed charges............. 97,927 85,793 193,749 168,124
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Earnings.................................. $232,487 $241,053 $478,887 $465,366
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Fixed charges............................. $ 97,927 $ 85,793 $193,749 $168,124
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RATIO OF EARNINGS TO FIXED CHARGES 2.37 X 2.81 X 2.47 X 2.77 X
INCLUDING INTEREST ON DEPOSITS
Income before taxes....................... $134,560 $155,260 $285,138 $297,242
Fixed charges:
Interest expense................... 286,690 237,352 561,556 473,523
Interest factor of rent expense.... 3,450 1,609 7,055 4,074
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Total fixed charges............. 290,140 238,961 568,611 477,597
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Earnings.................................. $424,700 $394,221 $853,749 $774,839
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Fixed charges............................. $290,140 $238,961 $568,611 $477,597
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RATIO OF EARNINGS TO FIXED CHARGES 1.46 X 1.65 X 1.50 X 1.62 X