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 -------------------------- -------------------------- 2000 1999 2000 1999 -------- -------- -------- -------- 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 -------- -------- -------- -------- Total fixed charges............. 97,927 85,793 193,749 168,124 -------- -------- -------- -------- Earnings.................................. $232,487 $241,053 $478,887 $465,366 ======== ======== ======== ======== Fixed charges............................. $ 97,927 $ 85,793 $193,749 $168,124 ======== ======== ======== ======== 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 -------- -------- -------- -------- Total fixed charges............. 290,140 238,961 568,611 477,597 -------- -------- -------- -------- Earnings.................................. $424,700 $394,221 $853,749 $774,839 ======== ======== ======== ======== Fixed charges............................. $290,140 $238,961 $568,611 $477,597 ======== ======== ======== ======== RATIO OF EARNINGS TO FIXED CHARGES 1.46 X 1.65 X 1.50 X 1.62 X