Exhibit 99. HUNTINGTON BANCSHARES INCORPORATED RATIO OF EARNINGS TO FIXED CHARGES
THREE MONTHS ENDED NINE MONTHS ENDED SEPTEMBER 30 SEPTEMBER 30 ------------------ -------------------- 1999 1998 1999 1998 -------- -------- ---------- ---------- EXCLUDING INTEREST ON DEPOSITS Income before taxes ......................... $155,820 $130,119 $ 453,062 $ 397,575 Fixed charges: Interest expense ..................... 88,354 75,885 252,404 242,951 Interest factor of rent expense ...... 3,925 2,801 7,999 7,447 -------- -------- ---------- ---------- Total fixed charges ............... 92,279 78,686 260,403 250,398 -------- -------- ---------- ---------- Earnings .................................... $248,099 $208,805 $ 713,465 $ 647,973 ======== ======== ========== ========== Fixed charges ............................... $ 92,279 $ 78,686 $ 260,403 $ 250,398 ======== ======== ========== ========== RATIO OF EARNINGS TO FIXED CHARGES 2.69 X 2.65 X 2.74 X 2.59 X INCLUDING INTEREST ON DEPOSITS Income before taxes.......................... $155,820 $130,119 $ 453,062 $ 397,575 Fixed charges: Interest expense...................... 247,863 253,706 721,386 745,177 Interest factor of rent expense....... 3,925 2,801 7,999 7,447 -------- -------- ---------- ---------- Total fixed charges................ 251,788 256,507 729,385 752,624 -------- -------- ---------- ---------- Earnings..................................... $407,608 $386,626 $1,182,447 $1,150,199 ======== ======== ========== ========== Fixed charges................................ $251,788 $256,507 $ 729,385 $ 752,624 ======== ======== ========== ========== RATIO OF EARNINGS TO FIXED CHARGES 1.62 X 1.51 X 1.62 X 1.53 X