Exhibit 12
Huntington Bancshares Incorporated
Ratio of Earnings to Fixed Charges
September 30, 2005
                                                         
    Nine Months Ended September 30,   Twelve Months Ended December 31,
(in thousands of dollars)   2005   2004   2004   2003   2002   2001   2000
 
Earnings:
                                                        
 
Income before taxes
   $ 413,762     $ 424,326     $ 552,666     $ 523,987     $ 522,705     $ 95,477     $ 448,454  
 
Add: Fixed charges, excluding interest on deposits
     175,693       140,373       191,648       179,903       169,788       299,872       398,214  
 
Earnings available for fixed charges, excluding interest on deposits
     589,455       564,699       744,314       703,890       692,493       395,349       846,668  
Add: Interest on deposits
     313,103       183,810       257,099       288,271       385,733       654,056       782,076  
 
Earnings available for fixed charges, including interest on deposits
   $ 902,558     $ 748,509     $ 1,001,413     $ 992,161     $ 1,078,226     $ 1,049,405     $ 1,628,744  
 
 
                                                        
Fixed Charges:
                                                        
Interest expense, excluding interest on deposits
   $ 167,451     $ 131,984     $ 178,842     $ 168,499     $ 157,888     $ 285,445     $ 383,997  
Interest factor in net rental expense
     8,242       8,389       12,806       11,404       11,900       14,427       14,217  
 
Total fixed charges, excluding interest on deposits
     175,693       140,373       191,648       179,903       169,788       299,872       398,214  
Add: Interest on deposits
     313,103       183,810       257,099       288,271       385,733       654,056       782,076  
 
Total fixed charges, including interest on deposits
   $ 488,796     $ 324,183     $ 448,747     $ 468,174     $ 555,521     $ 953,928     $ 1,180,290  
 
 
                                                        
Ratio of Earnings to Fixed Charges
                                                        
Excluding interest on deposits
     3.36 x       4.02 x       3.88 x       3.91 x       4.08 x       1.32 x       2.13 x  
Including interest on deposits
     1.85 x       2.31 x       2.23 x       2.12 x       1.94 x       1.10 x       1.38 x