January 19, 2006 - EXHIBIT 12 - S-3ASR: Automatic shelf registration statement of securities of well-known seasoned issuers | Huntington Bancshares Incorporated (HBAN)

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