EXHIBIT 99
HUNTINGTON BANCSHARES INCORPORATED
RATIO OF EARNINGS TO FIXED CHARGES
(Amounts in thousands, except for ratios)
THREE MONTHS ENDED NINE MONTHS ENDED
SEPTEMBER 30 SEPTEMBER 30
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2000 1999 2000 1999
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EXCLUDING INTEREST ON DEPOSITS
Income before taxes........................... $ 67,540 $ 155,820 $ 352,678 $ 453,062
Fixed charges:
Interest expense...................... 97,263 88,354 283,957 252,404
Interest factor of rent expense....... 3,450 3,925 10,604 7,999
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Total fixed charges................ 100,713 92,279 294,561 260,403
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Earnings...................................... $ 168,253 $ 248,099 $ 647,239 $ 713,465
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Fixed charges................................. $ 100,713 $ 92,279 $ 294,561 $ 260,403
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RATIO OF EARNINGS TO FIXED CHARGES 1.67 X 2.69 X 2.20 X 2.74 X
INCLUDING INTEREST ON DEPOSITS
Income before taxes........................... $ 67,540 $ 155,820 $ 352,678 $ 453,062
Fixed charges:
Interest expense...................... 299,922 247,863 861,478 721,386
Interest factor of rent expense....... 3,450 3,925 10,604 7,999
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Total fixed charges................ 303,372 251,788 872,082 729,385
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Earnings...................................... $ 370,912 $ 407,608 $ 1,224,760 $ 1,182,447
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Fixed charges................................. $ 303,372 $ 251,788 $ 872,082 $ 729,385
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RATIO OF EARNINGS TO FIXED CHARGES 1.22 X 1.62 X 1.40 X 1.62 X