Exhibit 99 HUNTINGTON BANCSHARES INCORPORATED Ratio of Earnings to Fixed Charges
THREE MONTHS ENDED MARCH 31, ------------------------------------- 2001 2000 --------------- ---------------- 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 --------------- ---------------- Total fixed charges 93,342 95,822 --------------- ---------------- Earnings $ 186,636 $246,400 =============== ================ Fixed charges $ 93,342 $ 95,822 =============== ================ 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 --------------- ---------------- Total fixed charges 278,423 278,471 --------------- ---------------- Earnings $ 371,717 $429,049 =============== ================ Fixed charges $ 278,423 $278,471 =============== ================ RATIO OF EARNINGS TO FIXED CHARGES 1.34 X 1.54 X