EX-99.2

Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

December 2014

Table of Contents


Quarterly Key Statistics			1

Annual Key Statistics			2

Consolidated Balance Sheets			3

Loans and Leases Composition			4

Deposits Composition			5

Consolidated Quarterly Average Balance Sheets			6

Consolidated Quarterly Net Interest Margin—Interest Income / Expense			7

Consolidated Quarterly Net Interest Margin—Yield			8

Selected Quarterly Income Statement Data			9

Quarterly Mortgage Banking Income			10

Quarterly Credit Reserves Analysis			11

Quarterly Net Charge-Off Analysis			12

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)			13

Quarterly Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans			14

Quarterly Common Stock Summary, Capital, and Other Data			15

Consolidated Annual Average Balance Sheets			16

Consolidated Annual Net Interest Margin—Interest Income / Expense			17

Consolidated Annual Net Interest Margin—Yield			18

Selected Annual Income Statement Data			19

Annual Mortgage Banking Income			20

Annual Credit Reserves Analysis			21

Annual Net Charge-Off Analysis			22

Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)			23

Annual Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans			24

Notes:

The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period’s presentation.

Non-Regulatory Capital Ratios

In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including:

•

Tangible common equity to tangible assets,

•

Tier 1 common equity to risk-weighted assets using Basel I and Basel III definitions, and

•

Tangible common equity to risk-weighted assets using Basel I definition.

These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company’s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.

Because there are no standardized definitions for these non-regulatory capital ratios, the Company’s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure. Basel III Tier 1 common capital ratio estimates are based on management’s current interpretation, expectations, and understanding of the final U.S. Basel III rules adopted by the Federal Reserve Board and released on July 2, 2013.

Huntington Bancshares Incorporated

Quarterly Key Statistics⁽¹⁾

(Unaudited)


	2014						2013			Percent Changes vs.
(dollar amounts in thousands, except per share amounts)	Fourth			Third			Fourth			3Q14			4Q13
Net interest income	$	473,252		$	466,335		$	430,649			2	%		10	%
Provision for credit losses		2,494			24,480			24,331			(90	)		(90	)
Noninterest income		233,278			247,349			249,892			(6	)		(7	)
Noninterest expense		483,271			480,318			446,009			1			8

Income before income taxes		220,765			208,886			210,201			6			5
Provision for income taxes		57,151			53,870			52,029			6			10

Net income	$	163,614		$	155,016		$	158,172			6	%		3	%

Dividends on preferred shares		7,963			7,964			7,965			—			—

Net income applicable to common shares	$	155,651		$	147,052		$	150,207			6	%		4	%

Net income per common share—diluted	$	0.19		$	0.18		$	0.18			6	%		6	%
Cash dividends declared per common share		0.06			0.05			0.05			20			20
Book value per common share at end of period		7.32			7.24			6.86			1			7
Tangible book value per common share at end of period		6.62			6.53			6.26			1			6
Average common shares—basic		811,967			816,497			830,590			(1	)		(2	)
Average common shares—diluted		825,338			829,623			842,324			(1	)		(2	)
Return on average assets		1.00	%		0.97	%		1.09	%
Return on average common shareholders’ equity		10.3			9.9			10.5
Return on average tangible common shareholders’ equity⁽²⁾		11.9			11.4			12.1
Net interest margin⁽³⁾		3.18			3.20			3.28
Efficiency ratio⁽⁴⁾		66.2			65.3			63.4
Noninterest Income/Total Revenue		32.7			34.3			36.3
Effective tax rate		25.9			25.8			24.8
Average loans and leases	$	47,091,643		$	46,112,829		$	43,138,336			2			9
Average loans and leases—linked quarter annualized growth rate		8.5	%		9.7	%		10.9	%
Average earning assets	$	60,009,528		$	58,707,474		$	53,011,850			2			13
Average total assets		64,931,767			63,472,782			57,648,191			2			13
Average core deposits⁽⁵⁾		47,637,501			46,118,771			44,747,659			3			6
Average core deposits—linked quarter annualized growth rate		13.2	%		4.5	%		8.9	%
Average shareholders’ equity	$	6,374,331		$	6,292,157		$	6,055,738			1			5
Total assets at end of period		66,298,010			64,330,629			59,467,174			3			11
Total shareholders’ equity at end of period		6,328,170			6,284,210			6,090,153			1			4
Net charge-offs (NCOs)		22,975			30,023			46,447			(24	)		(51	)
NCOs as a % of average loans and leases		0.20	%		0.26	%		0.43	%
Nonaccrual loans and leases (NALs)	$	300,244		$	325,765		$	322,056			(8	)		(7	)
NAL ratio		0.63	%		0.70	%		0.75	%
Nonperforming assets (NPAs)⁽⁶⁾	$	337,723		$	364,475		$	352,160			(7	)		(4	)
NPA ratio⁽⁶⁾		0.71	%		0.78	%		0.82	%		(9	)		(13	)
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period		1.27			1.35			1.50
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period		1.40			1.47			1.65
ACL as a % of NALs		222			211			221
ACL as a % of NPAs		197			188			202
Tier 1 leverage ratio⁽⁷⁾		9.74			9.83			10.67
Tier 1 common risk-based capital ratio⁽⁷⁾		10.23			10.31			10.90
Tier 1 risk-based capital ratio⁽⁷⁾		11.50			11.61			12.28
Total risk-based capital ratio⁽⁷⁾		13.56			13.72			14.57
Tangible common equity / risk-weighted assets ratio⁽⁸⁾		8.17			8.35			8.82

See Notes to the Quarterly Key Statistics.

Huntington Bancshares Incorporated

Annual Key Statistics⁽¹⁾

(Unaudited)


	Year Ended December 31,						Change
(dollar amounts in thousands, except per share amounts)	2014			2013			Amount			Percent
Net interest income	$	1,837,141		$	1,704,608		$	132,533			8	%
Provision for credit losses		80,989			90,045			(9,056	)		(10	)
Noninterest income		979,179			1,012,196			(33,017	)		(3	)
Noninterest expense		1,882,346			1,758,003			124,343			7

Income before income taxes		852,985			868,756			(15,771	)		(2	)
Provision for income taxes		220,593			227,474			(6,881	)		(3	)

Net Income	$	632,392		$	641,282		$	(8,890	)		(1	)%

Dividends on preferred shares		31,854			31,869			(15	)		—

Net income applicable to common shares	$	600,538		$	609,413		$	(8,875	)		(1	)%

Net income per common share—diluted	$	0.72		$	0.72		$	—			—	%
Cash dividends declared per common share		0.21			0.19			0.02			11
Average common shares—basic		819,917			834,205			(14,288	)		(2	)
Average common shares—diluted		833,081			843,974			(10,893	)		(1	)
Return on average assets		1.01	%		1.14	%
Return on average common shareholders’ equity		10.2			11.0
Return on average tangible common shareholders’ equity⁽²⁾		11.8			12.7
Net interest margin⁽³⁾		3.23			3.36
Efficiency ratio⁽⁴⁾		65.1			62.6
Noninterest Income/Total Revenue		34.4			36.9
Effective tax rate		25.9			26.2
Average loans and leases	$	45,424,872		$	41,825,842		$	3,599,030			9	%
Average earning assets		57,705,358			51,598,472			6,106,886			12
Average total assets		62,498,880			56,299,313			6,199,567			11
Average core deposits⁽⁵⁾		46,147,109			43,978,894			2,168,215			5
Average shareholders’ equity		6,269,884			5,914,914			354,970			6
Net charge-offs (NCOs)		124,627			188,666			(64,039	)		(34	)
NCOs as a % of average loans and leases		0.27	%		0.45	%		(0.18	)		(39	)

See Notes to the Annual and Quarterly Key Statistics.

Key Statistics Footnotes

⁽¹⁾	Comparisons for all presented periods are impacted by a number of factors. Refer to Significant Items.

⁽²⁾

Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

⁽³⁾	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

⁽⁴⁾	Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).

⁽⁵⁾	Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit.

⁽⁶⁾	NPAs include other real estate owned.

⁽⁷⁾	December 31, 2014, figures are estimated.

⁽⁸⁾	Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

Huntington Bancshares Incorporated

Consolidated Balance Sheets


	2014						2013			Percent Changes vs.
(dollar amounts in thousands, except number of shares)	December 31,			September 30,			December 31,			3Q14			4Q13
	*(Unaudited)*			(Unaudited)
Assets
Cash and due from banks	$	1,220,565		$	879,862		$	1,001,132			39	%		22	%
Interest-bearing deposits in banks		64,559			72,898			57,043			(11	)		13
Trading account securities		42,191			66,460			35,573			(37	)		19
Loans held for sale		416,327			410,932			326,212			1			28
Available-for-sale and other securities		9,384,670			8,721,804			7,308,753			8			28
Held-to-maturity securities		3,379,905			3,496,493			3,836,667			(3	)		(12	)
Loans and leases⁽¹⁾		47,655,726			46,723,374			43,120,500			2			11
Allowance for loan and lease losses		(605,196	)		(631,036	)		(647,870	)		(4	)		(7	)

Net loans and leases		47,050,530			46,092,338			42,472,630			2			11

Bank owned life insurance		1,718,436			1,703,692			1,647,170			1			4
Premises and equipment		616,407			613,214			634,657			1			(3	)
Goodwill		522,541			522,541			444,268			—			18
Other intangible assets		74,671			85,324			93,193			(12	)		(20	)
Accrued income and other assets		1,807,208			1,665,071			1,609,876			9			12

Total assets	$	66,298,010		$	64,330,629		$	59,467,174			3	%		11	%

Liabilities and shareholders’ equity
Liabilities
Deposits⁽²⁾	$	51,732,151		$	50,129,837		$	47,506,718			3	%		9	%
Short-term borrowings		2,397,101			3,180,938			2,352,143			(25	)		2
Long-term debt		4,335,962			3,574,588			2,458,272			21			76
Accrued expenses and other liabilities		1,504,626			1,161,056			1,059,888			30			42

Total liabilities		59,969,840			58,046,419			53,377,021			3			12

Shareholder’s equity
Preferred stock—authorized 6,617,808 shares- Series A, 8.50% fixed rate, non-cumulative perpetual convertible preferred stock, par value of $0.01, and liquidation value per share of $1,000		362,507			362,507			362,507			—			—
Series B, floating rate, non-voting, non-cumulative perpetual preferred stock, par value of $0.01, and liquidation value per share of $1,000		23,785			23,785			23,785			—			—
Common stock—Par value of $0.01		8,131			8,161			8,322			—			(2	)
Capital surplus		7,221,745			7,243,879			7,398,515			—			(2	)
Less treasury shares, at cost		(13,382	)		(12,938	)		(9,643	)		3			39
Accumulated other comprehensive loss		(222,292	)		(182,016	)		(214,009	)		22			4
Retained (deficit) earnings		(1,052,324	)		(1,159,168	)		(1,479,324	)		(9	)		(29	)

Total shareholders’ equity		6,328,170			6,284,210			6,090,153			1			4

Total liabilities and shareholders’ equity	$	66,298,010		$	64,330,629		$	59,467,174			3	%		11	%

Common shares authorized (par value of $0.01)		1,500,000,000			1,500,000,000			1,500,000,000
Common shares issued		813,136,321			816,091,946			832,217,098
Common shares outstanding		811,454,676			814,453,953			830,963,427
Treasury shares outstanding		1,681,645			1,637,993			1,253,671
Preferred shares issued		1,967,071			1,967,071			1,967,071
Preferred shares outstanding		398,007			398,007			398,007

⁽¹⁾	See page 4 for detail of loans and leases.

⁽²⁾	See page 5 for detail of deposits.

Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)


	2014																2013
(dollar amounts in millions)	December 31,				September 30,				June 30,				March 31,				December 31,
Ending Balances by Type:
Commercial:⁽¹⁾
Commercial and industrial	$	19,033	40	%	$	18,791	40	%	$	18,899	41	%	$	18,046	41	%	$	17,594	41	%
Commercial real estate:
Construction		875	2			850	2			757	2			692	2			557	1
Commercial		4,322	9			4,141	9			4,233	9			4,339	10			4,293	10

Commercial real estate		5,197	11			4,991	11			4,990	11			5,031	12			4,850	11

Total commercial		24,230	51			23,782	51			23,889	52			23,077	53			22,444	52

Consumer:
Automobile		8,690	18			8,322	18			7,686	17			6,999	16			6,639	15
Home equity		8,491	18			8,436	18			8,405	18			8,373	19			8,336	19
Residential mortgage		5,831	12			5,788	12			5,707	12			5,542	12			5,321	12
Other consumer		414	1			395	1			393	1			363	—			380	2

Total consumer		23,426	49			22,941	49			22,191	48			21,277	47			20,676	48

Total loans and leases	$	47,656	100	%	$	46,723	100	%	$	46,080	100	%	$	44,354	100	%	$	43,120	100	%

Ending Balances by Business Segment:⁽²⁾
Retail and Business Banking	$	13,199	28	%	$	13,136	28	%	$	13,096	29	%	$	13,027	29	%	$	12,710	30	%
Commercial Banking		12,362	26			11,919	26			11,846	26			10,962	25			10,735	25
AFCRE		15,640	33			15,229	33			14,762	32			14,125	32			13,568	31
RBHPCG		2,963	6			2,938	6			2,883	6			2,875	7			2,850	7
Home Lending		3,391	7			3,372	7			3,366	7			3,229	7			3,206	7
Treasury / Other		101	—			129	—			127	—			136	—			51	—

Total loans and leases	$	47,656	100	%	$	46,723	100	%	$	46,080	100	%	$	44,354	100	%	$	43,120	100	%


	2014																2013
	Fourth				Third				Second				First				Fourth
Average Balances by Business Segment:⁽²⁾
Retail and Business Banking	$	13,168	28	%	$	13,100	28	%	$	13,040	29	%	$	12,807	29	%	$	12,675	29	%
Commercial Banking		12,389	27			11,702	25			11,292	25			10,861	25			11,122	26
AFCRE		15,160	32			14,926	32			14,460	32			13,679	32			13,216	31
RBHPCG		2,949	6			2,901	7			2,879	7			2,840	7			2,835	7
Home Lending		3,327	7			3,377	8			3,289	7			3,198	7			3,223	7
Treasury / Other		99	—			107	—			63	—			38	—			68	—

Total loans and leases	$	47,092	100	%	$	46,113	100	%	$	45,023	100	%	$	43,423	100	%	$	43,139	100	%

⁽¹⁾	As defined by regulatory guidance, there were no commercial loans outstanding that would be considered a concentration of lending to a particular industry or group of industries.

⁽²⁾	During the first quarter of 2014, we reorganized our business segments.

Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)


	2014																2013
(dollar amounts in millions)	December 31,				September 30,				June 30,				March 31,				December 31,
Ending Balances by Type:
Demand deposits—noninterest-bearing	$	15,393	30	%	$	14,754	29	%	$	14,151	29	%	$	14,314	29	%	$	13,650	29	%
Demand deposits—interest-bearing		6,248	12			6,052	12			5,921	12			5,970	12			5,880	12
Money market deposits		18,986	37			18,174	36			17,563	36			17,693	36			17,213	36
Savings and other domestic deposits		5,048	10			5,038	10			5,036	10			5,115	10			4,871	10
Core certificates of deposit		2,936	5			3,150	6			3,272	7			3,557	7			3,723	8

Total core deposits		48,611	94			47,168	93			45,943	94			46,649	94			45,337	95
Other domestic deposits of $250,000 or more		198	—			202	1			241	—			289	1			274	1
Brokered deposits and negotiable CDs		2,522	5			2,357	5			2,198	5			2,074	4			1,580	3
Deposits in foreign offices		401	1			402	1			367	1			337	1			316	1

Total deposits	$	51,732	100	%	$	50,129	100	%	$	48,749	100	%	$	49,349	100	%	$	47,507	100	%

Total core deposits:
Commercial	$	22,725	47	%	$	21,753	46	%	$	20,629	45	%	$	20,507	44	%	$	19,982	44	%
Consumer		25,886	53			25,415	54			25,314	55			26,142	56			25,355	56

Total core deposits	$	48,611	100	%	$	47,168	100	%	$	45,943	100	%	$	46,649	100	%	$	45,337	100	%

Ending Balances by Business Segment:⁽²⁾
Retail and Business Banking	$	29,350	57	%	$	29,265	58	%	$	28,836	59	%	$	29,370	60	%	$	28,294	60	%
Commercial Banking		11,185	21			10,791	22			9,793	20			10,217	21			10,188	21
AFCRE		1,378	3			1,362	3			1,457	3			1,203	2			1,171	2
RBHPCG		6,728	13			5,898	11			6,124	12			6,267	12			6,094	13
Home Lending		327	1			269	1			284	1			281	1			330	1
Treasury / Other⁽¹⁾		2,764	5			2,544	5			2,255	5			2,011	4			1,430	3

Total deposits	$	51,732	100	%	$	50,129	100	%	$	48,749	100	%	$	49,349	100	%	$	47,507	100	%


	2014																2013
	Fourth				Third				Second				First				Fourth
Average Balances by Business Segment:⁽²⁾
Retail and Business Banking	$	29,481	58	%	$	28,865	59	%	$	29,108	60	%	$	28,633	60	%	$	28,424	61	%
Commercial Banking		10,632	21			10,248	21			9,780	20			10,060	21			9,861	21
AFCRE		1,315	3			1,285	2			1,183	3			1,142	3			1,114	2
RBHPCG		6,389	12			5,958	12			5,859	12			5,906	12			5,937	13
Home Lending		323	1			294	1			296	1			257	1			293	1
Treasury / Other⁽¹⁾		2,612	5			2,328	5			2,032	4			1,591	3			1,145	2

Total deposits	$	50,752	100	%	$	48,978	100	%	$	48,258	100	%	$	47,589	100	%	$	46,774	100	%

⁽¹⁾	Comprised primarily of national market deposits.

⁽²⁾	During the first quarter of 2014, we reorganized our business segments.

Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)


	Average Balances
	2014												2013			Percent Changes vs.
(dollar amounts in millions)	Fourth			Third			Second			First			Fourth			3Q14			4Q13
Assets
Interest-bearing deposits in banks	$	85		$	82		$	91		$	83		$	71			4	%		20	%
Loans held for sale		374			351			288			279			322			7			16
Securities:
Available-for-sale and other securities:
Taxable		7,291			6,935			6,662			6,240			5,818			5			25
Tax-exempt		1,684			1,620			1,290			1,115			548			4			207

Total available-for-sale and other securities		8,975			8,555			7,952			7,355			6,366			5			41
Trading account securities		49			50			45			38			76			(2	)		(36	)
Held-to-maturity securities—taxable		3,435			3,556			3,677			3,783			3,038			(3	)		13

Total securities		12,459			12,161			11,674			11,176			9,480			2			31

Loans and leases:⁽¹⁾
Commercial:
Commercial and industrial		18,880			18,581			18,262			17,631			17,671			2			7
Commercial real estate:
Construction		822			775			702			612			573			6			43
Commercial		4,262			4,188			4,345			4,289			4,331			2			(2	)

Commercial real estate		5,084			4,963			5,047			4,901			4,904			2			4

Total commercial		23,964			23,544			23,309			22,532			22,575			2			6

Consumer:
Automobile		8,512			8,012			7,349			6,786			6,502			6			31
Home equity		8,452			8,412			8,376			8,340			8,346			—			1
Residential mortgage		5,751			5,747			5,608			5,379			5,331			—			8
Other consumer		413			398			382			386			385			4			7

Total consumer		23,128			22,569			21,715			20,891			20,564			2			12

Total loans and leases		47,092			46,113			45,024			43,423			43,139			2			9
Allowance for loan and lease losses		(631	)		(633	)		(642	)		(649	)		(668	)		—			(6	)

Net loans and leases		46,461			45,480			44,382			42,774			42,471			2			9

Total earning assets		60,010			58,707			57,077			54,961			53,012			2			13

Cash and due from banks		929			887			872			904			846			5			10
Intangible assets		602			583			591			535			542			3			11
All other assets		4,022			3,929			3,932			3,941			3,917			2			3

Total assets	$	64,932		$	63,473		$	61,830		$	59,692		$	57,649			2	%		13	%

Liabilities and shareholders’ equity
Deposits:
Demand deposits—noninterest-bearing	$	15,179		$	14,090		$	13,466		$	13,192		$	13,337			8	%		14	%
Demand deposits—interest-bearing		5,948			5,913			5,945			5,775			5,755			1			3

Total demand deposits		21,127			20,003			19,411			18,967			19,092			6			11
Money market deposits		18,401			17,929			17,680			17,648			16,827			3			9
Savings and other domestic deposits		5,052			5,020			5,086			4,967			4,912			1			3
Core certificates of deposit		3,058			3,167			3,434			3,613			3,916			(3	)		(22	)

Total core deposits		47,638			46,119			45,611			45,195			44,747			3			6
Other domestic deposits of $250,000 or more		201			223			262			284			275			(10	)		(27	)
Brokered deposits and negotiable CDs		2,434			2,262			2,070			1,782			1,398			8			74
Deposits in foreign offices		479			374			315			328			354			28			35

Total deposits		50,752			48,978			48,258			47,589			46,774			4			9
Short-term borrowings		2,683			3,193			2,788			2,372			1,471			(16	)		82
Long-term debt		3,956			3,967			3,523			2,513			2,253			—			76

Total interest-bearing liabilities		42,212			42,048			41,103			39,282			37,161			—			14

All other liabilities		1,167			1,043			1,033			1,035			1,095			12			7
Shareholders’ equity		6,374			6,292			6,228			6,183			6,056			1			5

Total liabilities and shareholders’ equity	$	64,932		$	63,473		$	61,830		$	59,692		$	57,649			2	%		13	%

⁽¹⁾	Includes Nonaccrual Loans

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin—Interest Income / Expense (1)

(Unaudited)


	Interest Income / Expense
	2014								2013
(dollar amounts in thousands)	Fourth		Third		Second		First		Fourth
Assets
Interest-bearing deposits in banks	$	50	$	39	$	8	$	6	$	7
Loans held for sale		3,566		3,487		3,072		2,603		3,586
Securities:
Available-for-sale and other securities:
Taxable		47,531		43,066		42,027		38,456		34,554
Tax-exempt		13,718		12,245		10,161		8,438		8,696

Total available-for-sale and other securities		61,249		55,311		52,188		46,894		43,250
Trading account securities		128		107		79		107		79
Held-to-maturity securities—taxable		21,013		21,777		22,614		23,320		18,379

Total securities		82,390		77,195		74,881		70,321		61,708

Loans and leases:
Commercial:
Commercial and industrial		161,530		163,765		161,173		157,016		159,686
Commercial real estate:
Construction		9,034		8,673		7,599		6,108		5,916
Commercial		37,789		38,542		45,690		41,171		43,905

Commercial real estate		46,823		47,215		53,289		47,279		49,821

Total commercial		208,353		210,980		214,462		204,295		209,507

Consumer:
Automobile		71,449		68,786		63,543		59,153		60,080
Home equity		86,176		86,372		86,099		84,634		86,460
Residential mortgage		55,186		54,352		52,896		50,834		50,225
Other consumer		7,977		7,355		6,998		6,494		6,447

Total consumer		220,788		216,865		209,536		201,115		203,212

Total loans and leases		429,141		427,845		423,998		405,410		412,719

Total earning assets	$	515,147	$	508,566	$	501,959	$	478,340	$	478,020

Liabilities
Deposits:
Demand deposits—noninterest-bearing	$	—	$	—	$	—	$	—	$	—
Demand deposits—interest-bearing		588		601		571		512		630

Total demand deposits		588		601		571		512		630
Money market deposits		10,261		10,407		10,548		10,940		11,296
Savings and other domestic deposits		2,091		2,050		2,179		2,459		2,925
Core certificates of deposit		5,764		5,909		6,938		8,387		10,330

Total core deposits		18,704		18,967		20,236		22,298		25,181
Other domestic deposits of $250,000 or more		220		246		281		289		271
Brokered deposits and negotiable CDs		1,128		1,126		1,228		1,246		1,385
Deposits in foreign offices		156		121		102		104		122

Total deposits		20,208		20,460		21,847		23,937		26,959
Short-term borrowings		820		878		720		522		361
Long-term debt		13,345		13,387		12,707		10,490		11,855

Total interest bearing liabilities		34,373		34,725		35,274		34,949		39,175

Net interest income	$	480,774	$	473,841	$	466,685	$	443,391	$	438,845

⁽¹⁾	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 9 for the FTE adjustment.

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin—Yield

(Unaudited)


	Average Rates (2)
	2014												2013
Fully-taxable equivalent basis⁽¹⁾	Fourth			Third			Second			First			Fourth
Assets
Interest-bearing deposits in banks		0.23	%		0.19	%		0.04	%		0.03	%		0.04	%
Loans held for sale		3.82			3.98			4.27			3.74			4.46
Securities:
Available-for-sale and other securities:
Taxable		2.61			2.48			2.52			2.47			2.38
Tax-exempt		3.26			3.02			3.15			3.03			6.34

Total available-for-sale and other securities		2.73			2.59			2.63			2.55			2.72
Trading account securities		1.05			0.85			0.70			1.12			0.42
Held-to-maturity securities—taxable		2.45			2.45			2.46			2.47			2.42

Total securities		2.65			2.54			2.57			2.52			2.60
Loans and leases:⁽²⁾⁽³⁾
Commercial:
Commercial and industrial		3.35			3.45			3.49			3.56			3.54
Commercial real estate:
Construction		4.30			4.38			4.29			3.99			4.04
Commercial		3.47			3.60			4.16			3.84			3.97

Commercial real estate		3.60			3.72			4.17			3.86			3.98

Total commercial		3.40			3.51			3.64			3.63			3.63

Consumer:
Automobile		3.33			3.41			3.47			3.54			3.67
Home equity		4.05			4.07			4.12			4.12			4.11
Residential mortgage		3.84			3.78			3.77			3.78			3.77
Other consumer		7.68			7.31			7.34			6.82			6.64

Total consumer		3.80			3.82			3.87			3.89			3.93

Total loans and leases		3.60			3.66			3.75			3.75			3.77

Total earning assets		3.41	%		3.44	%		3.53	%		3.53	%		3.58	%

Liabilities
Deposits:
Demand deposits—noninterest-bearing		—	%		—	%		—	%		—	%		—	%
Demand deposits—interest-bearing		0.04			0.04			0.04			0.04			0.04

Total demand deposits		0.01			0.01			0.01			0.01			0.01
Money market deposits		0.22			0.23			0.24			0.25			0.27
Savings and other domestic deposits		0.16			0.16			0.17			0.20			0.24
Core certificates of deposit		0.75			0.74			0.81			0.94			1.05

Total core deposits		0.23			0.23			0.25			0.28			0.32
Other domestic deposits of $250,000 or more		0.43			0.44			0.43			0.41			0.39
Brokered deposits and negotiable CDs		0.18			0.20			0.24			0.28			0.39
Deposits in foreign offices		0.13			0.13			0.13			0.13			0.14

Total deposits		0.23			0.23			0.25			0.28			0.32
Short-term borrowings		0.12			0.11			0.10			0.09			0.10
Long-term debt		1.35			1.35			1.44			1.67			2.11

Total interest-bearing liabilities		0.32			0.33			0.34			0.36			0.42

Net interest rate spread		3.09			3.11			3.19			3.17			3.16
Impact of noninterest-bearing funds on margin		0.09			0.09			0.09			0.10			0.12

Net interest margin		3.18	%		3.20	%		3.28	%		3.27	%		3.28	%


Commercial Loan Derivative Impact
(Unaudited)
	Average Rates (2)
	2014												2013
Fully-taxable equivalent basis⁽¹⁾	Fourth			Third			Second			First			Fourth
Commercial loans⁽²⁾⁽³⁾		3.20	%		3.30	%		3.42	%		3.37	%		3.39	%
Impact of commercial loan derivatives		0.20			0.20			0.22			0.25			0.24

Total commercial—as reported		3.40	%		3.51	%		3.64	%		3.63	%		3.63	%

Average 30 day LIBOR		0.16	%		0.15	%		0.15	%		0.16	%		0.17	%

⁽¹⁾	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 9 for the FTE adjustment.

⁽²⁾	Loan, lease, and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.

⁽³⁾	Includes the impact of nonaccrual loans.

Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data(1)

(Unaudited)


	2014									2013
(dollar amounts in thousands, except per share amounts)	Fourth			Third		Second		First		Fourth
Interest income	$	507,625		$	501,060	$	495,322	$	472,455	$	469,824
Interest expense		34,373			34,725		35,274		34,949		39,175

Net interest income		473,252			466,335		460,048		437,506		430,649
Provision for credit losses		2,494			24,480		29,385		24,630		24,331

Net interest income after provision for credit losses		470,758			441,855		430,663		412,876		406,318

Service charges on deposit accounts		67,408			69,118		72,633		64,582		69,992
Trust services		28,781			28,045		29,581		29,565		30,711
Electronic banking		27,993			27,275		26,491		23,642		24,251
Mortgage banking income		14,030			25,051		22,717		23,089		24,327
Brokerage income		16,050			17,155		17,905		17,167		15,151
Insurance income		16,252			16,729		15,996		16,496		15,556
Bank owned life insurance income		14,988			14,888		13,865		13,307		13,816
Capital markets fees		13,791			10,246		10,500		9,194		12,332
Gain on sale of loans		5,408			8,199		3,914		3,570		7,144
Securities gains (losses)		(104	)		198		490		16,970		1,239
Other income		28,681			30,445		35,975		30,903		35,373

Total noninterest income		233,278			247,349		250,067		248,485		249,892

Personnel costs		263,289			275,409		260,600		249,477		249,554
Outside data processing and other services		53,685			53,073		54,338		51,490		51,071
Net occupancy		31,565			34,405		28,673		33,433		31,983
Equipment		31,981			30,183		28,749		28,750		28,775
Professional services		15,665			13,763		17,896		12,231		11,567
Marketing		12,466			12,576		14,832		10,686		13,704
Deposit and other insurance expense		13,099			11,628		10,599		13,718		10,056
Amortization of intangibles		10,653			9,813		9,520		9,291		10,320
Other expense		50,868			39,468		33,429		51,045		38,979

Total noninterest expense		483,271			480,318		458,636		460,121		446,009

Income before income taxes		220,765			208,886		222,094		201,240		210,201
Provision for income taxes		57,151			53,870		57,475		52,097		52,029

Net income	$	163,614		$	155,016	$	164,619	$	149,143	$	158,172

Dividends on preferred shares		7,963			7,964		7,963		7,964		7,965

Net income applicable to common shares	$	155,651		$	147,052	$	156,656	$	141,179	$	150,207

Average common shares—basic		811,967			816,497		821,546		829,659		830,590
Average common shares—diluted		825,338			829,623		834,687		842,677		842,324
Per common share
Net income—basic	$	0.19		$	0.18	$	0.19	$	0.17	$	0.18
Net income—diluted		0.19			0.18		0.19		0.17		0.18
Cash dividends declared		0.06			0.05		0.05		0.05		0.05
Revenue—fully-taxable equivalent (FTE)
Net interest income	$	473,252		$	466,335	$	460,048	$	437,506	$	430,649
FTE adjustment		7,522			7,506		6,637		5,885		8,196

Net interest income⁽²⁾		480,774			473,841		466,685		443,391		438,845
Noninterest income		233,278			247,349		250,067		248,485		249,892

Total revenue⁽²⁾	$	714,052		$	721,190	$	716,752	$	691,876	$	688,737

⁽¹⁾	Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

⁽²⁾	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

Huntington Bancshares Incorporated

Quarterly Mortgage Banking Income

(Unaudited)


	2014												2013			Percent Changes vs.
(dollar amounts in thousands, except as noted)	Fourth			Third			Second			First			Fourth			3Q14			4Q13
Mortgage banking income
Origination and secondary marketing	$	12,940		$	15,546		$	14,289		$	14,497		$	14,201			(17	)%		(9	)%
Servicing fees		8,004			10,786			10,873			10,939			10,809			(26	)		(26	)
Amortization of capitalized servicing		(6,050	)		(6,119	)		(5,951	)		(5,982	)		(6,062	)		(1	)		—
Other mortgage banking income		2,912			4,075			4,212			3,535			3,397			(29	)		(14	)

Subtotal		17,806			24,288			23,423			22,989			22,345			(27	)		(20	)
MSR valuation adjustment⁽¹⁾		(7,080	)		989			(3,046	)		(1,597	)		3,458			N.R.			N.R.
Net trading gains (losses) related to MSR hedging		3,304			(226	)		2,340			1,697			(1,476	)		N.R.			N.R.

Total mortgage banking income	$	14,030		$	25,051		$	22,717		$	23,089		$	24,327			(44	)%		(42	)%

Mortgage originations (in millions)	$	922		$	997		$	982		$	657		$	841			(8	)%		10	%
Capitalized mortgage servicing rights⁽²⁾		155,598			161,900			159,860			163,279			162,301			(4	)		(4	)
Total mortgages serviced for others (in millions)⁽²⁾		15,637			15,593			15,560			15,614			15,239			—			3
MSR % of investor servicing portfolio⁽²⁾		1.00	%		1.04	%		1.03	%		1.05	%		1.07	%		(4	)		(7	)

Net impact of MSR hedging
MSR valuation adjustment⁽¹⁾	$	(7,080	)	$	989		$	(3,046	)	$	(1,597	)	$	3,458			N.R.			N.R.
Net trading gains (losses) related to MSR hedging		3,304			(226	)		2,340			1,697			(1,476	)		N.R.			N.R.

Net gain (loss) of MSR hedging	$	(3,776	)	$	763		$	(706	)	$	100		$	1,982			N.R.			N.R.

N.R. - Not relevant, as denominator of calculation is a gain/loss in prior period compared with a loss/gain in the current period.

⁽¹⁾	The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

⁽²⁾	At period end.

Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)


	2014												2013
(dollar amounts in thousands)	Fourth			Third			Second			First			Fourth
Allowance for loan and lease losses, beginning of period	$	631,036		$	635,101		$	631,918		$	647,870		$	666,030
Loan and lease losses		(56,252	)		(58,511	)		(58,827	)		(73,011	)		(73,684	)
Recoveries of loans previously charged off		33,277			28,488			30,184			30,025			27,237

Net loan and lease losses		(22,975	)		(30,023	)		(28,643	)		(42,986	)		(46,447	)

Provision for loan and lease losses		(2,863	)		25,958			31,826			28,161			28,289
Allowance of assets sold or transferred to loans held for sale		(2	)		—			—			(1,127	)		(2	)

Allowance for loan and lease losses, end of period	$	605,196		$	631,036		$	635,101		$	631,918		$	647,870

Allowance for unfunded loan commitments and letters of credit, beginning of period	$	55,449		$	56,927		$	59,368		$	62,899		$	66,857
Provision for (reduction in) unfunded loan commitments and letters of credit losses		5,357			(1,478	)		(2,441	)		(3,531	)		(3,958	)

Allowance for unfunded loan commitments and letters of credit, end of period	$	60,806		$	55,449		$	56,927		$	59,368		$	62,899

Total allowance for credit losses, end of period	$	666,002		$	686,485		$	692,028		$	691,286		$	710,769

Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.27	%		1.35	%		1.38	%		1.42	%		1.50	%
Nonaccrual loans and leases (NALs)		202			194			195			193			201
Nonperforming assets (NPAs)		179			173			175			174			184
Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.40	%		1.47	%		1.50	%		1.56	%		1.65	%
Nonaccrual loans and leases		222			211			213			211			221
Nonperforming assets		197			188			191			191			202

Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)


	2014												2013
(dollar amounts in thousands)	Fourth			Third			Second			First			Fourth
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	333		$	12,587		$	10,597		$	8,606		$	9,826
Commercial real estate:
Construction		(1,747	)		2,171			(171	)		918			(88	)
Commercial		1,565			(8,178	)		(2,020	)		(1,905	)		(2,783	)

Commercial real estate		(182	)		(6,007	)		(2,191	)		(987	)		(2,871	)

Total commercial		151			6,580			8,406			7,619			6,955

Consumer:
Automobile		6,024			3,976			2,926			4,642			3,759
Home equity		6,321			6,448			8,491			15,687			20,451
Residential mortgage		3,059			5,428			3,406			7,859			7,605
Other consumer		7,420			7,591			5,414			7,179			7,677

Total consumer		22,824			23,443			20,237			35,367			39,492

Total net charge-offs	$	22,975		$	30,023		$	28,643		$	42,986		$	46,447

Net charge-offs—annualized percentages:
Commercial:
Commercial and industrial		0.01	%		0.27	%		0.23	%		0.20	%		0.22	%
Commercial real estate:
Construction		(0.85	)		1.12			(0.10	)		0.60			(0.06	)
Commercial		0.15			(0.78	)		(0.19	)		(0.18	)		(0.26	)

Commercial real estate		(0.01	)		(0.48	)		(0.17	)		(0.08	)		(0.23	)

Total commercial		—			0.11			0.14			0.14			0.12

Consumer:
Automobile		0.28			0.20			0.16			0.27			0.23
Home equity		0.30			0.31			0.41			0.75			0.98
Residential mortgage		0.21			0.38			0.24			0.58			0.57
Other consumer		7.20			7.61			5.66			7.44			7.98

Total consumer		0.39			0.42			0.37			0.68			0.77

Net charge-offs as a % of average loans		0.20	%		0.26	%		0.25	%		0.40	%		0.43	%

Huntington Bancshares Incorporated

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)


	2014												2013
(dollar amounts in thousands)	December 31,			September 30,			June 30,			March 31,			December 31,
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	71,974		$	90,265		$	75,274		$	57,053		$	56,615
Commercial real estate		48,523			59,812			65,398			71,344			73,417
Automobile		4,623			4,834			4,384			6,218			6,303
Residential mortgage		96,564			98,139			110,635			121,681			119,532
Home equity		78,560			72,715			69,266			70,862			66,189

Total nonaccrual loans and leases		300,244			325,765			324,957			327,158			322,056
Other real estate, net:
Residential		29,291			30,661			31,761			30,581			23,447
Commercial		5,748			5,609			2,934			5,110			4,217

Total other real estate, net		35,039			36,270			34,695			35,691			27,664
Other NPAs ⁽¹⁾		2,440			2,440			2,440			2,440			2,440

Total nonperforming assets	$	337,723		$	364,475		$	362,092		$	365,289		$	352,160

Nonaccrual loans and leases as a % of total loans and leases		0.63	%		0.70	%		0.71	%		0.74	%		0.75	%
NPA ratio⁽²⁾		0.71			0.78			0.79			0.82			0.82
(NPA+90days)/(Loan+OREO)⁽³⁾		0.98			1.08			1.08			1.17			1.20

	2014												2013
	Fourth			Third			Second			First			Fourth
Nonperforming assets, beginning of period	$	364,475		$	362,092		$	365,289		$	352,160		$	374,260
New nonperforming assets		87,022			102,834			123,601			117,804			109,454
Returns to accruing status		(20,024	)		(24,884	)		(23,000	)		(9,333	)		(12,367	)
Loan and lease losses		(36,108	)		(36,387	)		(54,646	)		(47,596	)		(55,750	)
Payments		(48,645	)		(29,121	)		(41,947	)		(39,233	)		(51,323	)
Sales		(8,997	)		(10,059	)		(7,205	)		(8,513	)		(12,114	)

Nonperforming assets, end of period	$	337,723		$	364,475		$	362,092		$	365,289		$	352,160

⁽¹⁾	Other nonperforming assets includes certain impaired investment securities.

⁽²⁾	Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

⁽³⁾	The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate.

Huntington Bancshares Incorporated

Quarterly Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)


	2014												2013
(dollar amounts in thousands)	December 31,			September 30,			June 30,			March 31,			December 31,
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	4,937		$	7,458		$	9,977		$	11,554		$	14,562
Commercial real estate		18,793			26,285			27,267			36,711			39,142
Automobile		5,703			4,827			2,895			4,252			5,055
Residential mortgage (excluding loans guaranteed by the U.S. Government)		33,040			33,331			29,709			29,534			2,469
Home equity		12,159			14,809			14,912			15,494			13,983
Other consumer		837			638			607			867			998

Total, excl. loans guaranteed by the U.S. Government		75,469			87,348			85,367			98,412			76,209
Add: loans guaranteed by U.S. Government		55,012			54,778			51,641			56,484			87,985

Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	130,481		$	142,126		$	137,008		$	154,896		$	164,194

Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.16	%		0.19	%		0.19	%		0.22	%		0.18	%
Guaranteed by U.S. Government, as a percent of total loans and leases		0.12			0.11			0.11			0.13			0.20
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.27			0.30			0.30			0.35			0.38
Accruing troubled debt restructured loans:
Commercial and industrial	$	116,331		$	83,026		$	90,604		$	102,970		$	83,857
Commercial real estate		177,156			186,542			212,736			210,876			204,668
Automobile		26,060			31,480			31,833			27,393			30,781
Home equity		252,084			229,500			221,539			202,044			188,266
Residential mortgage		265,084			271,762			289,239			284,194			305,059
Other consumer		4,018			3,313			3,496			1,727			1,041

Total accruing troubled debt restructured loans	$	840,733		$	805,623		$	849,447		$	829,204		$	813,672

Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	20,580		$	19,110		$	6,677		$	7,197		$	7,291
Commercial real estate		24,964			27,980			24,396			27,972			23,981
Automobile		4,552			4,817			4,287			5,676			6,303
Home equity		27,224			25,149			22,264			20,992			20,715
Residential mortgage		69,305			72,729			81,546			84,441			82,879
Other consumer		70			74			120			120			—

Total nonaccruing troubled debt restructured loans	$	146,695		$	149,859		$	139,290		$	146,398		$	141,169

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Capital, and Other Data

(Unaudited)

Quarterly common stock summary


	2014												2013
(dollar amounts in thousands, except per share amounts)	Fourth			Third			Second			First			Fourth
Common stock price, per share
High⁽¹⁾	$	10.740		$	10.300		$	10.290		$	10.010		$	9.730
Low⁽¹⁾		8.800			9.290			8.890			8.720			8.040
Close		10.520			9.730			9.540			9.970			9.650
Average closing price		9.972			9.790			9.406			9.499			8.982
Dividends, per share
Cash dividends declared per common share	$	0.06		$	0.05		$	0.05		$	0.05		$	0.05
Common shares outstanding
Average—basic		811,967			816,497			821,546			829,659			830,590
Average—diluted		825,338			829,623			834,687			842,677			842,324
Ending		811,455			814,454			817,002			827,772			830,963
Book value per common share	$	7.32		$	7.24		$	7.17		$	6.99		$	6.86
Tangible book value per common share⁽²⁾		6.62			6.53			6.48			6.31			6.26
Common share repurchases
Number of shares repurchased		3,605			5,438			12,095			14,571			—

	2014												2013
(dollar amounts in millions)	December 31,			September 30,			June 30,			March 31,			December 31,
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	6,328		$	6,284		$	6,241		$	6,176		$	6,090
Less: goodwill		(523	)		(523	)		(505	)		(505	)		(444	)
Less: other intangible assets		(75	)		(85	)		(81	)		(91	)		(93	)
Add: related deferred tax liability⁽²⁾		26			30			28			32			33

Total tangible equity		5,757			5,706			5,683			5,612			5,586
Less: preferred equity		(386	)		(386	)		(386	)		(386	)		(386	)

Total tangible common equity	$	5,371		$	5,320		$	5,297		$	5,226		$	5,200

Total assets	$	66,298		$	64,331		$	63,797		$	61,146		$	59,467
Less: goodwill		(523	)		(523	)		(505	)		(505	)		(444	)
Less: other intangible assets		(75	)		(85	)		(81	)		(91	)		(93	)
Add: related deferred tax liability⁽²⁾		26			30			28			32			33

Total tangible assets	$	65,727		$	63,753		$	63,239		$	60,582		$	58,963

Tangible equity / tangible asset ratio		8.76	%		8.95	%		8.99	%		9.26	%		9.47	%
Tangible common equity / tangible asset ratio		8.17			8.35			8.38			8.63			8.82
Tier 1 common risk-based capital ratio:⁽⁴⁾
Tier 1 capital	$	6,266		$	6,180		$	6,132		$	6,107		$	6,100
Shareholders’ preferred equity		(386	)		(386	)		(386	)		(386	)		(386	)
Trust preferred securities		(304	)		(304	)		(304	)		(304	)		(299	)

Tier 1 common	$	5,576		$	5,490		$	5,442		$	5,417		$	5,415

Total risk-weighted assets⁽⁴⁾	$	54,479		$	53,239		$	53,035		$	51,120		$	49,690
Tier 1 common risk-based capital ratio⁽⁴⁾		10.23	%		10.31	%		10.26	%		10.60	%		10.90	%
Other capital data:
Tier 1 leverage ratio⁽⁴⁾		9.74			9.83			10.01			10.32			10.67
Tier 1 risk-based capital ratio⁽⁴⁾		11.50			11.61			11.56			11.95			12.28
Total risk-based capital ratio⁽⁴⁾		13.56			13.72			13.67			14.13			14.57
Tangible common equity / risk-weighted assets ratio⁽⁴⁾		9.86			9.99			9.99			10.22			10.46
Other data:
Number of employees (Average full-time equivalent)		11,875			11,946			12,000			11,848			11,765
Number of domestic full-service branches⁽³⁾		729			753			730			727			711

⁽¹⁾	High and low stock prices are intra-day quotes obtained from NASDAQ.

⁽²⁾	Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

⁽³⁾	Includes Regional Banking and The Huntington Private Client Group offices.

⁽⁴⁾	December 31, 2014, figures are estimated and are presented on a basel 1 basis.

Huntington Bancshares Incorporated

Consolidated Annual Average Balance Sheets

(Unaudited)


	Annual Average Balances
				Change from 2013									Change from 2012
(dollar amounts in millions)	2014			Amount			%			2013			Amount			%			2012
Assets
Interest-bearing deposits in banks	$	85		$	15			21	%	$	70		$	(25	)		(26	)%	$	95
Loans held for sale		323			(198	)		(38	)		521			(566	)		(52	)		1,087
Securities:
Available-for-sale and other securities:
Taxable		6,785			402			6			6,383			(1,515	)		(19	)		7,898
Tax-exempt		1,429			866			154			563			136			32			427

Total available-for-sale and other securities		8,214			1,268			18			6,946			(1,379	)		(17	)		8,325
Trading account securities		46			(34	)		(43	)		80			13			19			67
Held-to-maturity securities—taxable		3,612			1,457			68			2,155			1,230			133			925

Total securities		11,872			2,691			29			9,181			(136	)		(1	)		9,317

Loans and leases:⁽¹⁾
Commercial:
Commercial and industrial		18,342			1,168			7			17,174			1,230			8			15,944
Commercial real estate:
Construction		728			148			26			580			(2	)		—			582
Commercial		4,271			(178	)		(4	)		4,449			(749	)		(14	)		5,198

Commercial real estate		4,999			(30	)		(1	)		5,029			(751	)		(13	)		5,780

Total commercial		23,341			1,138			5			22,203			479			2			21,724

Consumer:
Automobile		7,670			1,991			35			5,679			1,153			25			4,526
Home equity		8,395			85			1			8,310			(5	)		—			8,315
Residential mortgage		5,623			425			8			5,198			8			—			5,190
Other consumer		396			(40	)		(9	)		436			(19	)		(4	)		455

Total consumer		22,084			2,461			13			19,623			1,137			6			18,486

Total loans and leases		45,425			3,599			9			41,826			1,616			4			40,210
Allowance for loan and lease losses		(638	)		87			(12	)		(725	)		151			(17	)		(876	)

Net loans and leases		44,787			3,686			9			41,101			1,767			4			39,334

Total earning assets		57,705			6,107			12			51,598			889			2			50,709

Cash and due from banks		898			(10	)		(1	)		908			(182	)		(17	)		1,090
Intangible assets		578			21			4			557			(43	)		(7	)		600
All other assets		3,956			(5	)		—			3,961			(190	)		(5	)		4,151

Total assets	$	62,499		$	6,200			11	%	$	56,299		$	625			1	%	$	55,674

Liabilities and shareholders’ equity
Deposits:
Demand deposits—noninterest-bearing	$	13,988		$	1,117			9	%	$	12,871		$	671			6	%	$	12,200
Demand deposits—interest-bearing		5,896			41			1			5,855			44			1			5,811

Total demand deposits		19,884			1,158			6			18,726			715			4			18,011
Money market deposits		17,917			2,242			14			15,675			1,774			13			13,901
Savings and other domestic deposits		5,031			2			—			5,029			96			2			4,933
Core certificates of deposit		3,315			(1,234	)		(27	)		4,549			(1,672	)		(27	)		6,221

Total core deposits		46,147			2,168			5			43,979			913			2			43,066
Other domestic deposits of $250,000 or more		242			(64	)		(21	)		306			(20	)		(6	)		326
Brokered deposits and negotiable CDs		2,139			533			33			1,606			16			1			1,590
Deposits in foreign offices		375			29			8			346			(26	)		(7	)		372

Total deposits		48,903			2,666			6			46,237			883			2			45,354
Short-term borrowings		2,761			1,358			97			1,403			(194	)		(12	)		1,597
Long-term debt		3,495			1,825			109			1,670			(317	)		(16	)		1,987

Total interest-bearing liabilities		41,171			4,732			13			36,439			(299	)		(1	)		36,738

All other liabilities		1,070			(4	)		—			1,074			9			1			1,065
Shareholders’ equity		6,270			355			6			5,915			244			4			5,671

Total liabilities and shareholders’ equity	$	62,499		$	6,200			11	%	$	56,299		$	625			1	%	$	55,674

⁽¹⁾	Includes nonaccrual loans.

Huntington Bancshares Incorporated

Consolidated Annual Net Interest Margin—Interest Income / Expense (1)

(Unaudited)


	Interest Income / Expense
(dollar amounts in thousands)	2014		2013		2012
Assets
Interest-bearing deposits in banks	$	103	$	102	$	202
Loans held for sale		12,728		18,905		36,960
Securities:
Available-for-sale and other securities:
Taxable		171,080		148,557		184,340
Tax-exempt		44,562		25,663		17,659

Total available-for-sale and other securities		215,642		174,220		201,999
Trading account securities		421		355		853
Held-to-maturity securities—taxable		88,724		50,214		24,088

Total securities		304,787		224,789		226,940
Loans and leases:
Commercial:
Commercial and industrial		643,484		643,731		639,267
Commercial real estate:
Construction		31,414		23,440		22,886
Commercial		163,192		182,622		208,552

Commercial real estate		194,606		206,062		231,438

Total commercial		838,090		849,793		870,705

Consumer:
Automobile		262,931		221,469		214,053
Home equity		343,281		345,379		355,869
Residential mortgage		213,268		199,601		212,661
Other consumer		28,824		27,939		33,279

Total consumer		848,304		794,388		815,862

Total loans and leases		1,686,394		1,644,181		1,686,567

Total earning assets	$	2,004,012	$	1,887,977	$	1,950,669

Liabilities
Deposits:
Demand deposits—noninterest-bearing	$	—	$	—	$	—
Demand deposits—interest-bearing		2,272		2,525		3,579

Total demand deposits		2,272		2,525		3,579
Money market deposits		42,156		38,830		40,164
Savings and other domestic deposits		8,779		13,292		18,928
Core certificates of deposit		26,998		50,544		84,983

Total core deposits		80,205		105,191		147,654
Other domestic deposits of $250,000 or more		1,036		1,442		2,140
Brokered deposits and negotiable CDs		4,728		9,100		11,694
Deposits in foreign offices		483		508		679

Total deposits		86,452		116,241		162,167
Short-term borrowings		2,940		1,475		2,391
Long-term debt		49,929		38,313		55,181

Total interest-bearing liabilities		139,321		156,029		219,739

Net interest income	$	1,864,691	$	1,731,948	$	1,730,930

⁽¹⁾	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 19 for the FTE adjustment.

Huntington Bancshares Incorporated

Consolidated Annual Net Interest Margin—Yield

(Unaudited)


	Annual Average Rates (2)
Fully-taxable equivalent basis⁽¹⁾	2014			2013			2012
Assets
Interest-bearing deposits in banks		0.12	%		0.15	%		0.21	%
Loans held for sale		3.94			3.63			3.40
Securities:
Available-for-sale and other securities:
Taxable		2.52			2.33			2.33
Tax-exempt		3.12			4.56			4.14

Total available-for-sale and other securities		2.63			2.51			2.43
Trading account securities		0.92			0.44			1.27
Held-to-maturity securities—taxable		2.46			2.33			2.60

Total securities		2.57			2.45			2.44

Loans and leases:⁽³⁾
Commercial:
Commercial and industrial		3.51			3.75			4.01
Commercial real estate:
Construction		4.31			4.04			3.93
Commercial		3.82			4.11			4.01

Commercial real estate		3.89			4.10			4.00

Total commercial		3.59			3.83			4.01

Consumer:
Automobile		3.43			3.90			4.73
Home equity		4.09			4.16			4.28
Residential mortgage		3.79			3.84			4.10
Other consumer		7.30			6.41			7.31

Total consumer		3.84			4.05			4.41

Total loans and leases		3.71			3.93			4.19

Total earning assets		3.47	%		3.66	%		3.85	%

Liabilities
Deposits:
Demand deposits—noninterest-bearing		—	%		—	%		—	%
Demand deposits—interest-bearing		0.04			0.04			0.06

Total demand deposit		0.01			0.01			0.02
Money market deposits		0.24			0.25			0.29
Savings and other domestic deposits		0.17			0.26			0.38
Core certificates of deposit		0.81			1.11			1.37

Total core deposits		0.25			0.34			0.48
Other domestic deposits of $250,000 or more		0.43			0.47			0.66
Brokered deposits and negotiable CDs		0.22			0.57			0.74
Deposits in foreign offices		0.13			0.15			0.18

Total deposits		0.25			0.35			0.49
Short-term borrowings		0.11			0.11			0.15
Long-term debt		1.43			2.29			2.78

Total interest bearing liabilities		0.34			0.43			0.60

Net interest rate spread		3.13			3.23			3.25
Impact of noninterest-bearing funds on margin		0.10			0.13			0.16

Net interest margin		3.23	%		3.36	%		3.41	%

Commercial Loan Derivative Impact

(Unaudited)


	Annual Average Rates
Fully-taxable equivalent basis⁽¹⁾	2014			2013			2012
Commercial loans⁽²⁾⁽³⁾		3.37	%		3.55	%		3.67	%
Impact of commercial loan derivatives		0.22			0.28			0.34

Total commercial—as reported		3.59	%		3.83	%		4.01	%

Average 30 day LIBOR		0.15	%		0.19	%		0.24	%

⁽¹⁾	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 19 for the FTE adjustment.

⁽²⁾	Loan and lease and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.

⁽³⁾	Includes the impact of nonacrrual loans.

Huntington Bancshares Incorporated

Selected Annual Income Statement Data⁽¹⁾

(Unaudited)


	Year Ended December 31,
			Change from 2013								Change from 2012
(dollar amounts in thousands, except per share amounts)	2014		Amount			%			2013		Amount			%			2012
Interest income	$	1,976,462	$	115,825			6	%	$	1,860,637	$	(69,626	)		(4	)%	$	1,930,263
Interest expense		139,321		(16,708	)		(11	)		156,029		(63,710	)		(29	)		219,739

Net interest income		1,837,141		132,533			8			1,704,608		(5,916	)		—			1,710,524
Provision for credit losses		80,989		(9,056	)		(10	)		90,045		(57,343	)		(39	)		147,388

Net interest income after provision for credit losses		1,756,152		141,589			9			1,614,563		51,427			3			1,563,136

Service charges on deposit accounts		273,741		1,939			1			271,802		9,623			4			262,179
Trust services		115,972		(7,035	)		(6	)		123,007		1,110			1			121,897
Electronic banking		105,401		12,810			14			92,591		10,301			13			82,290
Mortgage banking income		84,887		(41,968	)		(33	)		126,855		(64,237	)		(34	)		191,092
Brokerage income		68,277		(1,347	)		(2	)		69,624		(3,060	)		(4	)		72,684
Insurance income		65,473		(3,791	)		(5	)		69,264		(2,055	)		(3	)		71,319
Bank owned life insurance income		57,048		629			1			56,419		377			1			56,042
Capital markets fees		43,731		(1,489	)		(3	)		45,220		(2,126	)		(4	)		47,346
Gain on sale of loans		21,091		2,920			16			18,171		(40,011	)		(69	)		58,182
Securities gains (losses)		17,554		17,136			4,100			418		(4,351	)		(91	)		4,769
Other income		126,004		(12,821	)		(9	)		138,825		304			—			138,521

Total noninterest income		979,179		(33,017	)		(3	)		1,012,196		(94,125	)		(9	)		1,106,321

Personnel costs		1,048,775		47,138			5			1,001,637		13,444			1			988,193
Outside data processing and other services		212,586		13,039			7			199,547		9,292			5			190,255
Net occupancy		128,076		2,732			2			125,344		14,184			13			111,160
Equipment		119,663		12,870			12			106,793		3,846			4			102,947
Professional services		59,555		18,968			47			40,587		(25,171	)		(38	)		65,758
Marketing		50,560		(625	)		(1	)		51,185		(13,078	)		(20	)		64,263
Deposit and other insurance expense		49,044		(1,117	)		(2	)		50,161		(18,169	)		(27	)		68,330
Amortization of intangibles		39,277		(2,087	)		(5	)		41,364		(5,185	)		(11	)		46,549
Gain on early extinguishment of debt		—		—			—			—		798			(100	)		(798	)
Other expense		174,810		33,425			24			141,385		(57,834	)		(29	)		199,219

Total noninterest expense		1,882,346		124,343			7			1,758,003		(77,873	)		(4	)		1,835,876

Income before income taxes		852,985		(15,771	)		(2	)		868,756		35,175			4			833,581
Provision for income taxes		220,593		(6,881	)		(3	)		227,474		25,183			12			202,291

Net income	$	632,392	$	(8,890	)		(1	)%	$	641,282	$	9,992			2	%	$	631,290

Dividends on preferred shares		31,854		(15	)		—			31,869		(120	)		—			31,989

Net income applicable to common shares	$	600,538	$	(8,875	)		(1	)%	$	609,413	$	10,112			2	%	$	599,301

Average common shares—basic		819,917		(14,288	)		(2	)		834,205		(23,757	)		(3	)%		857,962
Average common shares—diluted		833,081		(10,893	)		(1	)		843,974		(19,428	)		(2	)		863,402
Per common share
Net income—basic	$	0.73	$	—			—	%	$	0.73	$	0.03			4	%	$	0.70
Net income—diluted		0.72		—			—			0.72		0.03			4			0.69
Cash dividends declared		0.21		0.02			11			0.19		0.03			19			0.16
Revenue—fully taxable equivalent (FTE)
Net interest income	$	1,837,141	$	132,533			8	%	$	1,704,608	$	(5,916	)		—	%	$	1,710,524
FTE adjustment⁽²⁾		27,550		210			1			27,340		6,934			34			20,406

Net interest income		1,864,691		132,743			8			1,731,948		1,018			—			1,730,930
Noninterest income		979,179		(33,017	)		(3	)		1,012,196		(94,125	)		(9	)		1,106,321

Total revenue	$	2,843,870	$	99,726			4	%	$	2,744,144	$	(93,107	)		(3	)%	$	2,837,251

⁽¹⁾	Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

⁽²⁾	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

Huntington Bancshares Incorporated

Annual Mortgage Banking Income

(Unaudited)


	Year Ended December 31,
(dollar amounts in thousands, except as noted)	2014			2013			2012			2011			2010
Mortgage banking income
Origination and secondary marketing	$	57,272		$	85,016		$	146,845		$	68,217		$	117,440
Servicing fees		40,602			43,816			46,177			49,096			48,123
Amortization of capitalized servicing		(24,102	)		(28,746	)		(35,908	)		(37,369	)		(47,165	)
Other mortgage banking income		14,734			16,206			19,607			15,506			16,629

Subtotal		88,506			116,292			176,721			95,450			135,027
MSR valuation adjustment⁽¹⁾		(10,734	)		35,556			(16,902	)		(53,897	)		(12,721	)
Net trading gains (losses) related to MSR hedging		7,115			(24,993	)		31,273			41,855			53,476

Total mortgage banking income	$	84,887		$	126,855		$	191,092		$	83,408		$	175,782

Mortgage originations (in millions)	$	3,558		$	4,418		$	4,833		$	3,921		$	5,476
Capitalized mortgage servicing rights⁽²⁾		155,598			162,301			120,747			137,435			196,194
Total mortgages serviced for others (in millions)⁽²⁾		15,637			15,239			15,623			15,886			15,933
MSR % of investor servicing portfolio		1.00	%		1.07	%		0.77	%		0.87	%		1.23	%

Net impact of MSR hedging
MSR valuation adjustment⁽¹⁾	$	(10,734	)	$	35,556		$	(16,902	)	$	(53,897	)	$	(12,721	)
Net trading gains (losses) related to MSR hedging		7,115			(24,993	)		31,273			41,855			53,476
Net interest income related to MSR hedging		—			—			(26	)		166			972

Net gain (loss) on MSR hedging	$	(3,619	)	$	10,563		$	14,345		$	(11,876	)	$	41,727

⁽¹⁾	The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

⁽²⁾	At period end.

Huntington Bancshares Incorporated

Annual Credit Reserves Analysis

(Unaudited)


	Year Ended December 31,
(dollar amounts in thousands)	2014			2013			2012			2011			2010
Allowance for loan and lease losses, beginning of period	$	647,870		$	769,075		$	964,828		$	1,249,008		$	1,482,479
Loan and lease losses		(246,601	)		(306,316	)		(455,200	)		(557,753	)		(1,003,907	)
Recoveries of loans previously charged off		121,974			117,650			112,738			120,664			129,433

Net loan and lease losses		(124,627	)		(188,666	)		(342,462	)		(437,089	)		(874,474	)

Provision for loan and lease losses		83,082			67,797			155,193			167,730			641,299
Allowance of assets sold or transferred to loans held for sale		(1,129	)		(336	)		(8,484	)		(14,821	)		(296	)

Allowance for loan and lease losses, end of period	$	605,196		$	647,870		$	769,075		$	964,828		$	1,249,008

Allowance for unfunded loan commitments and letters of credit, beginning of period	$	62,899		$	40,651		$	48,456		$	42,127		$	48,879
Provision for (reduction in) unfunded loan commitments and letters of credit losses		(2,093	)		22,248			(7,805	)		6,329			(6,752	)

Allowance for unfunded loan commitments and letters of credit, end of period	$	60,806		$	62,899		$	40,651		$	48,456		$	42,127

Total allowance for credit losses	$	666,002		$	710,769		$	809,726		$	1,013,284		$	1,291,135

Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.27	%		1.50	%		1.89	%		2.48	%		3.28	%
Nonaccrual loans and leases (NALs)		202			201			189			178			161
Nonperforming assets (NPAs)		179			184			173			163			148
Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.40	%		1.65	%		1.99	%		2.60	%		3.39	%
Nonaccrual loans and leases (NALs)		222			221			199			187			166
Nonperforming assets (NPAs)		197			202			182			172			153

Huntington Bancshares Incorporated

Annual Net Charge-Off Analysis

(Unaudited)


	Year Ended December 31,
(dollar amounts in thousands)	2014			2013			2012			2011			2010
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	32,123		$	16,390		$	64,248		$	89,699		$	254,932
Commercial real estate:
Construction		1,171			6,358			8,041			31,524			109,008
Commercial		(10,538	)		18,496			70,388			116,577			166,554

Commercial real estate		(9,367	)		24,854			78,429			148,101			275,562

Total commercial		22,756			41,244			142,677			237,800			530,494

Consumer:
Automobile		17,568			10,537			9,442			15,067			26,572
Home equity		36,947			82,263			116,379			101,797			139,373
Residential mortgage		19,752			27,162			47,923			56,681			152,895
Other consumer		27,604			27,460			26,041			25,744			25,140

Total consumer		101,871			147,422			199,785			199,289			343,980

Total net charge-offs	$	124,627		$	188,666		$	342,462		$	437,089		$	874,474

Net charge-offs—annualized percentages:
Commercial:
Commercial and industrial		0.18	%		0.10	%		0.40	%		0.66	%		2.05	%
Commercial real estate:
Construction		0.16			1.10			1.38			5.33			9.95
Commercial		(0.25	)		0.42			1.35			2.08			2.72

Commercial real estate		(0.19	)		0.49			1.36			2.39			3.81

Total commercial		0.10			0.19			0.66			1.20			2.70

Consumer:
Automobile		0.23			0.19			0.21			0.26			0.54
Home equity		0.44			0.99			1.40			1.28			1.84
Residential mortgage		0.35			0.52			0.92			1.20			3.42
Other consumer		6.99			6.30			5.72			4.85			3.80

Total consumer		0.46			0.75			1.08			1.05			1.95

Net charge-offs as a % of average loans		0.27	%		0.45	%		0.85	%		1.12	%		2.35	%

Huntington Bancshares Incorporated

Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)


	December 31,
(dollar amounts in thousands)	2014			2013			2012			2011			2010
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	71,974		$	56,615		$	90,705		$	201,846		$	346,720
Commercial real estate		48,523			73,417			127,128			229,889			363,692
Automobile		4,623			6,303			7,823			—			—
Residential mortgage		96,564			119,532			122,452			68,658			45,010
Home equity		78,560			66,189			59,525			40,687			22,526

Total nonaccrual loans and leases		300,244			322,056			407,633			541,080			777,948
Other real estate, net:
Residential		29,291			23,447			21,378			20,330			31,649
Commercial		5,748			4,217			6,719			18,094			35,155

Total other real estate, net		35,039			27,664			28,097			38,424			66,804
Other NPAs ⁽¹⁾		2,440			2,440			10,045			10,772			—

Total nonperforming assets	$	337,723		$	352,160		$	445,775		$	590,276		$	844,752

Nonaccrual loans and leases as a % of total loans and leases		0.63	%		0.75	%		1.00	%		1.39	%		2.04	%
NPA ratio ⁽²⁾		0.71			0.82			1.09			1.51			2.21

	December 31,
(dollar amounts in thousands)	2014			2013			2012			2011			2010
Nonperforming assets, beginning of period	$	352,160		$	445,775		$	590,276		$	844,752		$	2,058,091
New nonperforming assets		431,261			466,122			741,724			745,063			925,699
Franklin impact, net		—			—			—			(9,477	)		(329,023	)
Returns to accruing status		(77,241	)		(82,112	)		(140,714	)		(195,786	)		(370,798	)
Loan and lease losses		(174,737	)		(213,138	)		(310,979	)		(362,784	)		(635,606	)
Payments		(158,946	)		(230,726	)		(302,614	)		(328,294	)		(650,429	)
Sales		(34,774	)		(33,761	)		(131,918	)		(103,198	)		(153,182	)

Nonperforming assets, end of period	$	337,723		$	352,160		$	445,775		$	590,276		$	844,752

⁽¹⁾	Other nonperforming assets represent an investment security backed by a municipal bond.

⁽²⁾	Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

Huntington Bancshares Incorporated

Annual Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)


	December 31,
(dollar amounts in thousands)	2014			2013			2012			2011			2010
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	4,937		$	14,562		$	26,648		$	—		$	—
Commercial real estate		18,793			39,142			56,660			—			—
Automobile		5,703			5,055			4,418			6,265			7,721
Residential mortgage (excluding loans guaranteed by the U.S. Government)		33,040			2,469			2,718			45,198			53,983
Home equity		12,159			13,983			18,200			20,198			23,497
Other consumer		837			998			1,672			1,988			2,456

Total, excl. loans guaranteed by the U.S. Government		75,469			76,209			110,316			73,649			87,657
Add: loans guaranteed by U.S. Government		55,012			87,985			90,816			96,703			98,288

Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	130,481		$	164,194		$	201,132		$	170,352		$	185,945

Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.16	%		0.18	%		0.27	%		0.19	%		0.23	%
Guaranteed by U.S. Government, as a percent of total loans and leases		0.12			0.20			0.22			0.25			0.26
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.27			0.38			0.49			0.44			0.49
Accruing troubled debt restructured loans:
Commercial and industrial	$	116,331		$	83,857		$	76,586		$	54,007		$	70,136
Commercial real estate		177,156			204,668			208,901			249,968			152,496
Automobile		26,060			30,781			35,784			36,573			29,764
Home equity		252,084			188,266			110,581			52,224			37,257
Residential mortgage		265,084			305,059			290,011			309,678			328,411
Other consumer		4,018			1,041			2,544			6,108			9,565

Total accruing troubled debt restructured loans	$	840,733		$	813,672		$	724,407		$	708,558		$	627,629

Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	20,580		$	7,291		$	19,268		$	48,553		$	15,275
Commercial real estate		24,964			23,981			32,548			21,968			18,187
Automobile		4,552			6,303			7,823			—			—
Home equity		27,224			20,715			6,951			369			—
Residential mortgage		69,305			82,879			84,515			26,089			5,789
Other consumer		70			—			113			113			—

Total nonaccruing troubled debt restructured loans	$	146,695		$	141,169		$	151,218		$	97,092		$	39,251