Exhibit 99
HUNTINGTON BANCSHARES INCORPORATED
Ratio of Earnings to Fixed Charges
THREE MONTHS ENDED
MARCH 31,
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2001 2000
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EXCLUDING INTEREST ON DEPOSITS
Income before taxes $ 93,294 $150,578
Fixed charges:
Interest expense 89,770 92,217
Interest factor of rent expense 3,572 3,605
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Total fixed charges 93,342 95,822
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Earnings $ 186,636 $246,400
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Fixed charges $ 93,342 $ 95,822
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RATIO OF EARNINGS TO FIXED CHARGES 2.00 X 2.57 X
INCLUDING INTEREST ON DEPOSITS
Income before taxes $ 93,294 $150,578
Fixed charges:
Interest expense 274,851 274,866
Interest factor of rent expense 3,572 3,605
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Total fixed charges 278,423 278,471
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Earnings $ 371,717 $429,049
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Fixed charges $ 278,423 $278,471
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RATIO OF EARNINGS TO FIXED CHARGES 1.34 X 1.54 X