EX-99.2

Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

June 2015

Table of Contents


Quarterly Key Statistics			1

Year to Date 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 Capital Under Current Regulatory Standards (Basel III) and Other Capital Data			15

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data			16

Consolidated Year to Date Average Balance Sheets			17

Consolidated Year to Date Net Interest Margin - Interest Income / Expense			18

Consolidated Year to Date Net Interest Margin - Yield			19

Selected Year to Date Income Statement Data			20

Year to Date Mortgage Banking Income			21

Year to Date Credit Reserves Analysis			22

Year to Date Net Charge-Off Analysis			23

Year to Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)			24

Year to Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans			25

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 definitions (through 4Q 2014), and

•

Tangible common equity to risk-weighted assets using Basel I definition (through 4Q 2014) and Basel III definition (beginning 1Q 2015).

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.

Huntington Bancshares Incorporated

Quarterly Key Statistics⁽¹⁾

(Unaudited)


	2015						2014			Percent Changes vs.
(dollar amounts in thousands, except per share amounts)	Second			First			Second			1Q15			2Q14
Net interest income	$	490,686		$	467,685		$	460,048			5	%		7	%
Provision for credit losses		20,419			20,591			29,385			(1	)		(31	)
Noninterest income		281,773			231,623			250,067			22			13
Noninterest expense		491,777			458,857			458,636			7			7

Income before income taxes		260,263			219,860			222,094			18			17
Provision for income taxes		64,057			54,006			57,475			19			11

Net income	$	196,206		$	165,854		$	164,619			18	%		19	%

Dividends on preferred shares		7,968			7,965			7,963			—			—

Net income applicable to common shares	$	188,238		$	157,889		$	156,656			19	%		20	%

Net income per common share - diluted	$	0.23		$	0.19		$	0.19			21	%		21	%
Cash dividends declared per common share		0.06			0.06			0.05			—			20
Book value per common share at end of period		7.61			7.51			7.17			1			6
Tangible book value per common share at end of period		6.71			6.62			6.48			1			4

Average common shares - basic		806,891			809,778			821,546			—			(2	)
Average common shares - diluted		820,238			823,809			834,687			—			(2	)

Return on average assets		1.16	%		1.02	%		1.07	%
Return on average common shareholders’ equity		12.3			10.6			10.8
Return on average tangible common shareholders’ equity⁽²⁾		14.4			12.2			12.4
Net interest margin⁽³⁾		3.20			3.15			3.28
Efficiency ratio⁽⁴⁾		61.7			63.5			62.7
Noninterest Income/Total Revenue		36.1			32.8			34.9
Effective tax rate		24.6			24.6			25.9

Average loans and leases	$	47,899,416		$	47,780,321		$	45,023,793			—			6
Average loans and leases - linked quarter annualized growth rate		1.0	%		5.8	%		14.7	%
Average earning assets	$	62,568,617		$	61,192,878		$	57,076,706			2			10
Average total assets		67,882,962			66,251,089			61,830,210			3			10
Average core deposits⁽⁵⁾		49,191,637			48,777,445			45,611,033			1			8
Average core deposits - linked quarter annualized growth rate		3.4	%		9.6	%		3.7	%
Average shareholders’ equity	$	6,516,762		$	6,416,066		$	6,227,809			2			5

Total assets at end of period		68,845,648			68,002,661			63,797,113			1			8
Total shareholders’ equity at end of period		6,496,258			6,461,954			6,240,791			1			4

Net charge-offs (NCOs)		25,375			24,432			28,643			4			(11	)
NCOs as a % of average loans and leases		0.21	%		0.20	%		0.25	%
Nonaccrual loans and leases (NALs)	$	364,339		$	364,413		$	324,957			—			12
NAL ratio		0.75	%		0.76	%		0.71	%
Nonperforming assets (NPAs)⁽⁶⁾	$	396,011		$	400,804		$	362,092			(1	)		9
NPA ratio⁽⁶⁾		0.81	%		0.84	%		0.79	%		(4	)		3
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period		1.23			1.27			1.38
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period		1.34			1.38			1.50
ACL as a % of NALs		180			181			213
ACL as a % of NPAs		165			165			191
Tier 1 leverage ratio⁽⁷⁾⁽⁹⁾		8.98			9.04			10.01
Common equity tier 1 risk-based capital ratio		9.65			9.51			N.A.
Tier 1 common risk-based capital ratio⁽⁷⁾⁽⁹⁾		N.A.			N.A.			10.26
Tier 1 risk-based capital ratio⁽⁷⁾⁽⁹⁾		10.41			10.22			11.56
Total risk-based capital ratio⁽⁷⁾⁽⁹⁾		12.62			12.48			13.67
Tangible common equity / tangible asset ratio⁽⁸⁾		7.91			7.95			8.38

See Notes to the Quarterly Key Statistics.

Huntington Bancshares Incorporated

Year To Date Key Statistics⁽¹⁾

(Unaudited)


	Six Months Ended June 30,						Change
(dollar amounts in thousands, except per share amounts)	2015			2014			Amount			Percent
Net interest income	$	958,372		$	897,554		$	60,818			7	%
Provision for credit losses		41,010			54,015			(13,005	)		(24	)
Noninterest income		513,396			498,552			14,844			3
Noninterest expense		950,634			918,757			31,877			3

Income before income taxes		480,124			423,334			56,790			13
Provision for income taxes		118,063			109,572			8,491			8

Net Income	$	362,061		$	313,762		$	48,299			15	%

Dividends on preferred shares		15,933			15,927			6			—

Net income applicable to common shares	$	346,128		$	297,835		$	48,293			16	%

Net income per common share - diluted	$	0.42		$	0.36		$	0.06			17	%
Cash dividends declared per common share		0.12			0.10			0.02			20

Average common shares - basic		808,335			825,603			(17,268	)		(2	)
Average common shares - diluted		822,023			838,546			(16,523	)		(2	)

Return on average assets		1.09	%		1.04	%
Return on average common shareholders’ equity		11.5			10.3
Return on average tangible common shareholders’ equity⁽²⁾		13.3			12.4
Net interest margin⁽³⁾		3.17			3.28
Efficiency ratio⁽⁴⁾		62.6			64.5
Noninterest Income/Total Revenue		34.5			35.4
Effective tax rate		24.6			25.9

Average loans and leases	$	47,840,198		$	44,227,995			3,612,203			8
Average earning assets		61,884,548			56,024,814			5,859,734			10
Average total assets		67,071,533			60,767,252			6,304,281			10
Average core deposits⁽⁵⁾		48,985,386			45,403,965			3,581,421			8
Average shareholders’ equity		6,466,692			6,205,474			261,218			4

Net charge-offs (NCOs)		49,807			71,629			(21,822	)		(30	)
NCOs as a % of average loans and leases		0.21	%		0.32	%		(0.12	)		(36	)

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⁾	June 30, 2015, 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.

⁽⁹⁾

On January 1, 2015, we became subject to the Basel III capital requirements and the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. Ratios prior to January 1, 2015 were not retrospectively updated and are presented on a Basel 1 basis.

^(N.A.)

Not applicable. See footnote 9 above.

Huntington Bancshares Incorporated

Consolidated Balance Sheets


	2015			2014						Percent Changes vs.
(dollar amounts in thousands, except number of shares)	June 30,			December 31,			June 30,			4Q14			2Q14
	(Unaudited)						(Unaudited)
Assets
Cash and due from banks	$	1,379,969		$	1,220,565		$	1,218,453			13	%		13	%
Interest-bearing deposits in banks		71,409			64,559			69,634			11			3
Trading account securities		59,146			42,191			50,541			40			17
Loans held for sale		548,054			416,327			317,862			32			72
Available-for-sale and other securities		10,254,871			9,384,670			8,491,037			9			21
Held-to-maturity securities		3,304,160			3,379,905			3,621,995			(2	)		(9	)
Loans and leases⁽¹⁾		48,752,301			47,655,726			46,079,775			2			6
Allowance for loan and lease losses		(599,542	)		(605,196	)		(635,101	)		(1	)		(6	)

Net loans and leases		48,152,759			47,050,530			45,444,674			2			6

Bank owned life insurance		1,735,627			1,718,436			1,693,991			1			2
Premises and equipment		615,436			616,407			622,289			—			(1	)
Goodwill		678,369			522,541			505,448			30			34
Other intangible assets		62,705			74,671			81,460			(16	)		(23	)
Accrued income and other assets		1,983,143			1,807,208			1,679,729			10			18

Total assets	$	68,845,648		$	66,298,010		$	63,797,113			4	%		8	%

Liabilities and shareholders’ equity
Liabilities
Deposits⁽²⁾	$	53,473,179		$	51,732,151		$	48,748,765			3	%		10	%
Short-term borrowings		1,511,444			2,397,101			3,627,409			(37	)		(58	)
Long-term debt		5,854,584			4,335,962			4,094,352			35			43
Accrued expenses and other liabilities		1,510,183			1,504,626			1,085,796			—			39

Total liabilities		62,349,390			59,969,840			57,556,322			4			8

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		8,050			8,131			8,182			(1	)		(2	)
Capital surplus		7,109,493			7,221,745			7,279,244			(2	)		(2	)
Less treasury shares, at cost		(17,043	)		(13,382	)		(9,071	)		27			88
Accumulated other comprehensive loss		(185,650	)		(222,292	)		(159,727	)		(16	)		16
Retained (deficit) earnings		(804,884	)		(1,052,324	)		(1,264,129	)		(24	)		(36	)

Total shareholders’ equity		6,496,258			6,328,170			6,240,791			3			4

Total liabilities and shareholders’ equity	$	68,845,648		$	66,298,010		$	63,797,113			4	%		8	%

Common shares authorized (par value of $0.01)		1,500,000,000			1,500,000,000			1,500,000,000
Common shares issued		805,035,698			813,136,321			818,248,450
Common shares outstanding		803,065,757			811,454,676			817,002,296
Treasury shares outstanding		1,969,941			1,681,645			1,246,154
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)


	2015								2014
(dollar amounts in millions)	June 30,				March 31,				December 31,				September 30,				June 30,
Ending Balances by Type:
Commercial:⁽¹⁾
Commercial and industrial	$	20,003	41	%	$	20,109	42	%	$	19,033	40	%	$	18,791	40	%	$	18,899	41	%
Commercial real estate:
Construction		1,021	2			910	2			875	2			850	2			757	2
Commercial		4,192	9			4,157	9			4,322	9			4,141	9			4,233	9

Commercial real estate		5,213	11			5,067	11			5,197	11			4,991	11			4,990	11

Total commercial		25,216	52			25,176	53			24,230	51			23,782	51			23,889	52

Consumer:
Automobile		8,549	18			7,803	16			8,690	18			8,322	18			7,686	17
Home equity		8,526	17			8,492	18			8,491	18			8,436	18			8,405	18
Residential mortgage		5,987	12			5,795	12			5,831	12			5,788	12			5,707	12
Other consumer		474	1			430	1			414	1			395	1			393	1

Total consumer		23,536	48			22,520	47			23,426	49			22,941	49			22,191	48

Total loans and leases	$	48,752	100	%	$	47,696	100	%	$	47,656	100	%	$	46,723	100	%	$	46,080	100	%

Ending Balances by Business Segment:
Retail and Business Banking	$	13,673	28	%	$	13,515	28	%	$	13,199	28	%	$	13,136	28	%	$	13,096	29	%
Commercial Banking		12,980	27			13,066	28			12,362	26			11,919	26			11,846	26
AFCRE		15,609	32			14,812	31			15,640	33			15,229	33			14,762	32
RBHPCG		2,968	6			2,896	6			2,963	6			2,938	6			2,883	6
Home Lending		3,405	7			3,336	7			3,391	7			3,372	7			3,366	7
Treasury / Other		117	—			71	—			101	—			129	—			127	—

Total loans and leases	$	48,752	100	%	$	47,696	100	%	$	47,656	100	%	$	46,723	100	%	$	46,080	100	%


	2015								2014
	Second				First				Fourth				Third				Second
Average Balances by Business Segment:
Retail and Business Banking	$	13,646	29	%	$	13,523	28	%	$	13,168	28	%	$	13,100	28	%	$	13,040	29	%
Commercial Banking		12,808	27			12,140	26			12,389	27			11,702	25			11,292	25
AFCRE		15,071	31			15,779	33			15,160	32			14,926	32			14,460	32
RBHPCG		2,930	6			2,890	6			2,949	6			2,901	7			2,879	7
Home Lending		3,339	7			3,360	7			3,327	7			3,377	8			3,289	7
Treasury / Other		105	—			88	—			99	—			107	—			63	—

Total loans and leases	$	47,899	100	%	$	47,780	100	%	$	47,092	100	%	$	46,113	100	%	$	45,023	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.

Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)


	2015								2014
(dollar amounts in millions)	June 30,				March 31,				December 31,				September 30,				June 30,
Ending Balances by Type:

Demand deposits - noninterest-bearing	$	17,011	32	%	$	15,960	30	%	$	15,393	30	%	$	14,754	29	%	$	14,151	29	%
Demand deposits - interest-bearing		6,627	12			6,537	13			6,248	12			6,052	12			5,921	12
Money market deposits		18,580	35			18,933	36			18,986	37			18,174	36			17,563	36
Savings and other domestic deposits		5,240	10			5,288	10			5,048	10			5,038	10			5,036	10
Core certificates of deposit		2,580	5			2,709	5			2,936	5			3,150	6			3,272	7

Total core deposits		50,038	94			49,427	94			48,611	94			47,168	93			45,943	94
Other domestic deposits of $250,000 or more		178	—			189	—			198	—			202	1			241	—
Brokered deposits and negotiable CDs		2,705	5			2,682	5			2,522	5			2,357	5			2,198	5
Deposits in foreign offices		552	1			535	1			401	1			402	1			367	1

Total deposits	$	53,473	100	%	$	52,833	100	%	$	51,732	100	%	$	50,129	100	%	$	48,749	100	%

Total core deposits:
Commercial	$	24,103	48	%	$	23,061	47	%	$	22,725	47	%	$	21,753	46	%	$	20,629	45	%
Consumer		25,935	52			26,366	53			25,886	53			25,415	54			25,314	55

Total core deposits	$	50,038	100	%	$	49,427	100	%	$	48,611	100	%	$	47,168	100	%	$	45,943	100	%

Ending Balances by Business Segment:
Retail and Business Banking	$	29,983	56	%	$	30,150	57	%	$	29,350	57	%	$	29,265	58	%	$	28,836	59	%
Commercial Banking		10,908	20			11,195	21			11,185	21			10,791	22			9,793	20
AFCRE		1,519	3			1,443	3			1,378	3			1,362	3			1,457	3
RBHPCG		7,265	14			6,707	13			6,728	13			5,898	11			6,124	12
Home Lending		340	1			350	—			327	1			269	1			284	1
Treasury / Other⁽¹⁾		3,458	6			2,988	6			2,764	5			2,544	5			2,255	5

Total deposits	$	53,473	100	%	$	52,833	100	%	$	51,732	100	%	$	50,129	100	%	$	48,749	100	%


	2015								2014
	Second				First				Fourth				Third				Second
Average Balances by Business Segment:
Retail and Business Banking	$	30,126	57	%	$	29,727	57	%	$	29,481	58	%	$	28,865	59	%	$	29,108	60	%
Commercial Banking		10,848	20			11,140	21			10,632	21			10,248	21			9,780	20
AFCRE		1,487	3			1,375	3			1,315	3			1,285	2			1,183	3
RBHPCG		6,780	13			6,736	13			6,389	12			5,958	12			5,859	12
Home Lending		388	1			321	1			323	1			294	1			296	1
Treasury / Other⁽¹⁾		3,010	6			2,830	5			2,612	5			2,328	5			2,032	4

Total deposits	$	52,639	100	%	$	52,129	100	%	$	50,752	100	%	$	48,978	100	%	$	48,258	100	%

⁽¹⁾	Comprised primarily of national market deposits.

Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)


	Average Balances
	2015						2014									Percent Changes vs.
(dollar amounts in millions)	Second			First			Fourth			Third			Second			1Q15			2Q14
Assets
Interest-bearing deposits in banks	$	89		$	94		$	85		$	82		$	91			(5	)%		(2	)%
Loans held for sale		1,272			381			374			351			288			234			342
Securities:
Available-for-sale and other securities:
Taxable		7,916			7,664			7,291			6,935			6,662			3			19
Tax-exempt		2,028			1,874			1,684			1,620			1,290			8			57

Total available-for-sale and other securities		9,944			9,538			8,975			8,555			7,952			4			25
Trading account securities		41			53			49			50			45			(23	)		(9	)
Held-to-maturity securities - taxable		3,324			3,347			3,435			3,556			3,677			(1	)		(10	)

Total securities		13,309			12,938			12,459			12,161			11,674			3			14

Loans and leases:⁽¹⁾
Commercial:
Commercial and industrial		19,819			19,116			18,880			18,581			18,262			4			9
Commercial real estate:
Construction		970			887			822			775			702			9			38
Commercial		4,214			4,275			4,262			4,188			4,345			(1	)		(3	)

Commercial real estate		5,184			5,162			5,084			4,963			5,047			—			3

Total commercial		25,003			24,278			23,964			23,544			23,309			3			7

Consumer:
Automobile		8,083			8,783			8,512			8,012			7,349			(8	)		10
Home equity		8,503			8,484			8,452			8,412			8,376			—			2
Residential mortgage		5,859			5,810			5,751			5,747			5,608			1			4
Other consumer		451			425			413			398			382			6			18

Total consumer		22,896			23,502			23,128			22,569			21,715			(3	)		5

Total loans and leases		47,899			47,780			47,092			46,113			45,024			—			6
Allowance for loan and lease losses		(608	)		(612	)		(631	)		(633	)		(642	)		(1	)		(5	)

Net loans and leases		47,291			47,168			46,461			45,480			44,382			—			7

Total earning assets		62,569			61,193			60,010			58,707			57,077			2			10

Cash and due from banks		926			935			929			887			872			(1	)		6
Intangible assets		745			593			602			583			591			26			26
All other assets		4,251			4,142			4,022			3,929			3,932			3			8

Total assets	$	67,883		$	66,251		$	64,932		$	63,473		$	61,830			2	%		10	%

Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	15,893		$	15,253		$	15,179		$	14,090		$	13,466			4	%		18	%
Demand deposits - interest-bearing		6,584			6,173			5,948			5,913			5,945			7			11

Total demand deposits		22,477			21,426			21,127			20,003			19,411			5			16
Money market deposits		18,803			19,368			18,401			17,929			17,680			(3	)		6
Savings and other domestic deposits		5,273			5,169			5,052			5,020			5,086			2			4
Core certificates of deposit		2,639			2,814			3,058			3,167			3,434			(6	)		(23	)

Total core deposits		49,192			48,777			47,638			46,119			45,611			1			8
Other domestic deposits of $250,000 or more		184			195			201			223			262			(6	)		(30	)
Brokered deposits and negotiable CDs		2,701			2,600			2,434			2,262			2,070			4			30
Deposits in foreign offices		562			557			479			374			315			1			78

Total deposits		52,639			52,129			50,752			48,978			48,258			1			9
Short-term borrowings		2,153			1,882			2,683			3,193			2,788			14			(23	)
Long-term debt		5,144			4,374			3,956			3,967			3,523			18			46

Total interest-bearing liabilities		44,043			43,132			42,212			42,048			41,103			2			7

All other liabilities		1,430			1,450			1,167			1,043			1,033			(1	)		38
Shareholders’ equity		6,517			6,416			6,374			6,292			6,228			2			5

Total liabilities and shareholders’ equity	$	67,883		$	66,251		$	64,932		$	63,473		$	61,830			2	%		10	%

⁽¹⁾	Includes nonaccrual loans

Huntington Bancshares Incorporated

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

(Unaudited)


	Interest Income / Expense
	2015				2014
(dollar amounts in thousands)	Second		First		Fourth		Third		Second
Assets
Interest-bearing deposits in banks	$	19	$	41	$	50	$	39	$	8
Loans held for sale		10,546		3,520		3,566		3,487		3,072
Securities:
Available-for-sale and other securities:
Taxable		51,525		47,856		47,531		43,066		42,027
Tax-exempt		15,875		14,288		13,718		12,245		10,161

Total available-for-sale and other securities		67,400		62,144		61,249		55,311		52,188
Trading account securities		104		155		128		107		79
Held-to-maturity securities - taxable		20,741		20,667		21,013		21,777		22,614

Total securities		88,245		82,966		82,390		77,195		74,881

Loans and leases:
Commercial:
Commercial and industrial		180,992		158,917		161,530		163,765		161,173
Commercial real estate:
Construction		8,825		8,462		9,034		8,673		7,599
Commercial		36,329		38,197		37,789		38,542		45,690

Commercial real estate		45,154		46,659		46,823		47,215		53,289

Total commercial		226,146		205,576		208,353		210,980		214,462

Consumer:
Automobile		64,575		70,140		71,449		68,786		63,543
Home equity		84,215		84,382		86,176		86,372		86,099
Residential mortgage		54,496		54,432		55,186		54,352		52,896
Other consumer		9,515		8,599		7,977		7,355		6,998

Total consumer		212,801		217,553		220,788		216,865		209,536

Total loans and leases		438,947		423,129		429,141		427,845		423,998

Total earning assets	$	537,757	$	509,656	$	515,147	$	508,566	$	501,959

Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—	$	—	$	—	$	—	$	—
Demand deposits - interest-bearing		984		693		588		601		571

Total demand deposits		984		693		588		601		571
Money market deposits		10,435		10,226		10,261		10,407		10,548
Savings and other domestic deposits		1,775		1,914		2,091		2,050		2,179
Core certificates of deposit		5,161		5,282		5,764		5,909		6,938

Total core deposits		18,355		18,115		18,704		18,967		20,236
Other domestic deposits of $250,000 or more		204		204		220		246		281
Brokered deposits and negotiable CDs		1,121		1,069		1,128		1,126		1,228
Deposits in foreign offices		185		179		156		121		102

Total deposits		19,865		19,567		20,208		20,460		21,847
Short-term borrowings		731		542		820		878		720
Long-term debt		18,513		14,302		13,345		13,387		12,707

Total interest bearing liabilities		39,109		34,411		34,373		34,725		35,274

Net interest income	$	498,648	$	475,245	$	480,774	$	473,841	$	466,685

⁽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⁾
	2015						2014
Fully-taxable equivalent basis⁽¹⁾	Second			First			Fourth			Third			Second
Assets
Interest-bearing deposits in banks		0.08	%		0.18	%		0.23	%		0.19	%		0.04	%
Loans held for sale		3.32			3.69			3.82			3.98			4.27
Securities:
Available-for-sale and other securities:
Taxable		2.60			2.50			2.61			2.48			2.52
Tax-exempt		3.13			3.05			3.26			3.02			3.15

Total available-for-sale and other securities		2.71			2.61			2.73			2.59			2.63
Trading account securities		1.00			1.17			1.05			0.85			0.70
Held-to-maturity securities - taxable		2.50			2.47			2.45			2.45			2.46

Total securities		2.65			2.57			2.65			2.54			2.57
Loans and leases:⁽²⁾⁽³⁾
Commercial:
Commercial and industrial		3.61			3.33			3.35			3.45			3.49
Commercial real estate:
Construction		3.60			3.81			4.30			4.38			4.29
Commercial		3.41			3.57			3.47			3.60			4.16

Commercial real estate		3.45			3.62			3.60			3.72			4.17

Total commercial		3.58			3.39			3.40			3.51			3.64

Consumer:
Automobile		3.20			3.24			3.33			3.41			3.47
Home equity		3.97			4.03			4.05			4.07			4.12
Residential mortgage		3.72			3.75			3.84			3.78			3.77
Other consumer		8.45			8.20			7.68			7.31			7.34

Total consumer		3.73			3.74			3.80			3.82			3.87

Total loans and leases		3.65			3.56			3.60			3.66			3.75

Total earning assets		3.45	%		3.38	%		3.41	%		3.44	%		3.53	%

Liabilities
Deposits:
Demand deposits - noninterest-bearing		—	%		—	%		—	%		—	%		—	%
Demand deposits - interest-bearing		0.06			0.05			0.04			0.04			0.04

Total demand deposits		0.02			0.01			0.01			0.01			0.01
Money market deposits		0.22			0.21			0.22			0.23			0.24
Savings and other domestic deposits		0.14			0.15			0.16			0.16			0.17
Core certificates of deposit		0.78			0.76			0.75			0.74			0.81

Total core deposits		0.22			0.22			0.23			0.23			0.25
Other domestic deposits of $250,000 or more		0.44			0.42			0.43			0.44			0.43
Brokered deposits and negotiable CDs		0.17			0.17			0.18			0.20			0.24
Deposits in foreign offices		0.13			0.13			0.13			0.13			0.13

Total deposits		0.22			0.22			0.23			0.23			0.25
Short-term borrowings		0.14			0.12			0.12			0.11			0.10
Long-term debt		1.44			1.31			1.35			1.35			1.44

Total interest-bearing liabilities		0.36			0.32			0.32			0.33			0.34

Net interest rate spread		3.09			3.06			3.09			3.11			3.19
Impact of noninterest-bearing funds on margin		0.11			0.09			0.09			0.09			0.09

Net interest margin		3.20	%		3.15	%		3.18	%		3.20	%		3.28	%

Commercial Loan Derivative Impact

(Unaudited)


	Average Rates ⁽²⁾
	2015						2014
Fully-taxable equivalent basis⁽¹⁾	Second			First			Fourth			Third			Second
Commercial loans⁽²⁾⁽³⁾		3.38	%		3.18	%		3.20	%		3.30	%		3.42	%
Impact of commercial loan derivatives		0.20			0.21			0.20			0.20			0.22
Total commercial - as reported		3.58	%		3.39	%		3.40	%		3.51	%		3.64	%

Average 30 day LIBOR		0.18	%		0.17	%		0.16	%		0.15	%		0.15	%

⁽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)


	2015				2014
(dollar amounts in thousands, except per share amounts)	Second		First		Fourth			Third		Second
Interest income	$	529,795	$	502,096	$	507,625		$	501,060	$	495,322
Interest expense		39,109		34,411		34,373			34,725		35,274

Net interest income		490,686		467,685		473,252			466,335		460,048
Provision for credit losses		20,419		20,591		2,494			24,480		29,385

Net interest income after provision for credit losses		470,267		447,094		470,758			441,855		430,663

Service charges on deposit accounts		70,118		62,220		67,408			69,118		72,633
Trust services		26,550		29,039		28,781			28,045		29,581
Electronic banking		30,259		27,398		27,993			27,275		26,491
Mortgage banking income		38,518		22,961		14,030			25,051		22,717
Brokerage income		15,184		15,500		16,050			17,155		17,905
Insurance income		17,637		15,895		16,252			16,729		15,996
Bank owned life insurance income		13,215		13,025		14,988			14,888		13,865
Capital markets fees		13,192		13,905		13,791			10,246		10,500
Gain on sale of loans		12,453		4,589		5,408			8,199		3,914
Securities gains (losses)		82		—		(104	)		198		490
Other income		44,565		27,091		28,681			30,445		35,975

Total noninterest income		281,773		231,623		233,278			247,349		250,067

Personnel costs		282,135		264,916		263,289			275,409		260,600
Outside data processing and other services		58,508		50,535		53,685			53,073		54,338
Net occupancy		28,861		31,020		31,565			34,405		28,673
Equipment		31,694		30,249		31,981			30,183		28,749
Professional services		12,593		12,727		15,665			13,763		17,896
Marketing		15,024		12,975		12,466			12,576		14,832
Deposit and other insurance expense		11,787		10,167		13,099			11,628		10,599
Amortization of intangibles		9,960		10,206		10,653			9,813		9,520
Other expense		41,215		36,062		50,868			39,468		33,429

Total noninterest expense		491,777		458,857		483,271			480,318		458,636

Income before income taxes		260,263		219,860		220,765			208,886		222,094
Provision for income taxes		64,057		54,006		57,151			53,870		57,475

Net income	$	196,206	$	165,854	$	163,614		$	155,016	$	164,619

Dividends on preferred shares		7,968		7,965		7,963			7,964		7,963

Net income applicable to common shares	$	188,238	$	157,889	$	155,651		$	147,052	$	156,656

Average common shares - basic		806,891		809,778		811,967			816,497		821,546
Average common shares - diluted		820,238		823,809		825,338			829,623		834,687

Per common share
Net income - basic	$	0.23	$	0.19	$	0.19		$	0.18	$	0.19
Net income - diluted		0.23		0.19		0.19			0.18		0.19
Cash dividends declared		0.06		0.06		0.06			0.05		0.05

Revenue - fully-taxable equivalent (FTE)
Net interest income	$	490,686	$	467,685	$	473,252		$	466,335	$	460,048
FTE adjustment		7,962		7,560		7,522			7,506		6,637

Net interest income⁽²⁾		498,648		475,245		480,774			473,841		466,685
Noninterest income		281,773		231,623		233,278			247,349		250,067

Total revenue⁽²⁾	$	780,421	$	706,868	$	714,052		$	721,190	$	716,752

⁽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)


	2015						2014									Percent Changes vs.
(dollar amounts in thousands, except as noted)	Second			First			Fourth			Third			Second			1Q15			2Q14
Mortgage banking income
Origination and secondary marketing	$	26,350		$	20,032		$	12,940		$	15,546		$	14,289			32	%		84	%
Servicing fees		10,677			10,842			8,004			10,786			10,873			(2	)		(2	)
Amortization of capitalized servicing		(6,965	)		(6,979	)		(6,050	)		(6,119	)		(5,951	)		—			17
Other mortgage banking income		2,467			3,549			2,912			4,075			4,212			(30	)		(41	)

Subtotal		32,529			27,444			17,806			24,288			23,423			19			39
MSR valuation adjustment⁽¹⁾		14,525			(9,164	)		(7,080	)		989			(3,046	)		N.R.			N.R.
Net trading gains (losses) related to MSR hedging		(8,536	)		4,681			3,304			(226	)		2,340			N.R.			N.R.

Total mortgage banking income	$	38,518		$	22,961		$	14,030		$	25,051		$	22,717			68	%		70	%

Mortgage originations (in millions)	$	1,454		$	980		$	922		$	997		$	982			48	%		48	%
Capitalized mortgage servicing rights⁽²⁾		163,808			145,909			155,598			161,900			159,860			12			2
Total mortgages serviced for others (in millions)⁽²⁾		15,722			15,569			15,637			15,593			15,560			1			1
MSR % of investor servicing portfolio⁽²⁾		1.04	%		0.94	%		1.00	%		1.04	%		1.03	%		11			1

Net impact of MSR hedging
MSR valuation adjustment⁽¹⁾	$	14,525		$	(9,164	)	$	(7,080	)	$	989		$	(3,046	)		N.R.	%		N.R.	%
Net trading gains (losses) related to MSR hedging		(8,536	)		4,681			3,304			(226	)		2,340			N.R.			N.R.

Net gain (loss) of MSR hedging	$	5,989		$	(4,483	)	$	(3,776	)	$	763		$	(706	)		N.R.	%		N.R.	%

N.R.	- Not relevant.

⁽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)


	2015						2014
(dollar amounts in thousands)	Second			First			Fourth			Third			Second
Allowance for loan and lease losses, beginning of period	$	605,126		$	605,196		$	631,036		$	635,101		$	631,918
Loan and lease losses		(46,970	)		(55,075	)		(56,252	)		(58,511	)		(58,827	)
Recoveries of loans previously charged off		21,595			30,643			33,277			28,488			30,184

Net loan and lease losses		(25,375	)		(24,432	)		(22,975	)		(30,023	)		(28,643	)

Provision for loan and lease losses		19,790			26,655			(2,863	)		25,958			31,826
Allowance of assets sold or transferred to loans held for sale		1			(2,293	)		(2	)		—			—

Allowance for loan and lease losses, end of period	$	599,542		$	605,126		$	605,196		$	631,036		$	635,101

Allowance for unfunded loan commitments and letters of credit, beginning of period	$	54,742		$	60,806		$	55,449		$	56,927		$	59,368
Provision for (reduction in) unfunded loan commitments and letters of credit losses		629			(6,064	)		5,357			(1,478	)		(2,441	)

Allowance for unfunded loan commitments and letters of credit, end of period	$	55,371		$	54,742		$	60,806		$	55,449		$	56,927

Total allowance for credit losses, end of period	$	654,913		$	659,868		$	666,002		$	686,485		$	692,028

Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.23	%		1.27	%		1.27	%		1.35	%		1.38	%
Nonaccrual loans and leases (NALs)		165			166			202			194			195
Nonperforming assets (NPAs)		151			151			179			173			175

Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.34	%		1.38	%		1.40	%		1.47	%		1.50	%
Nonaccrual loans and leases		180			181			222			211			213
Nonperforming assets		165			165			197			188			191

Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)


	2015						2014
(dollar amounts in thousands)	Second			First			Fourth			Third			Second
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	4,411		$	11,403		$	333		$	12,587		$	10,597
Commercial real estate:
Construction		164			(383	)		(1,747	)		2,171			(171	)
Commercial		5,361			(3,629	)		1,565			(8,178	)		(2,020	)

Commercial real estate		5,525			(4,012	)		(182	)		(6,007	)		(2,191	)

Total commercial		9,936			7,391			151			6,580			8,406

Consumer:
Automobile		3,442			4,248			6,024			3,976			2,926
Home equity		4,650			4,625			6,321			6,448			8,491
Residential mortgage		2,142			2,816			3,059			5,428			3,406
Other consumer		5,205			5,352			7,420			7,591			5,414

Total consumer		15,439			17,041			22,824			23,443			20,237

Total net charge-offs	$	25,375		$	24,432		$	22,975		$	30,023		$	28,643

Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial		0.09	%		0.24	%		0.01	%		0.27	%		0.23	%
Commercial real estate:
Construction		0.07			(0.17	)		(0.85	)		1.12			(0.10	)
Commercial		0.51			(0.34	)		0.15			(0.78	)		(0.19	)

Commercial real estate		0.43			(0.31	)		(0.01	)		(0.48	)		(0.17	)

Total commercial		0.16			0.12			—			0.11			0.14

Consumer:
Automobile		0.17			0.19			0.28			0.20			0.16
Home equity		0.22			0.22			0.30			0.31			0.41
Residential mortgage		0.15			0.19			0.21			0.38			0.24
Other consumer		4.61			5.03			7.20			7.61			5.66

Total consumer		0.27			0.29			0.39			0.42			0.37

Net charge-offs as a % of average loans		0.21	%		0.20	%		0.20	%		0.26	%		0.25	%

Huntington Bancshares Incorporated

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

(Unaudited)


	2015						2014
(dollar amounts in thousands)	June 30,			March 31,			December 31,			September 30,			June 30,
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	149,713		$	133,363		$	71,974		$	90,265		$	75,274
Commercial real estate		43,888			49,263			48,523			59,812			65,398
Automobile		4,190			4,448			4,623			4,834			4,384
Residential mortgage		91,198			98,093			96,564			98,139			110,635
Home equity		75,350			79,246			78,560			72,715			69,266

Total nonaccrual loans and leases		364,339			364,413			300,244			325,765			324,957
Other real estate, net:
Residential		25,660			30,544			29,291			30,661			31,761
Commercial		3,572			3,407			5,748			5,609			2,934

Total other real estate, net		29,232			33,951			35,039			36,270			34,695
Other NPAs⁽¹⁾		2,440			2,440			2,440			2,440			2,440

Total nonperforming assets	$	396,011		$	400,804		$	337,723		$	364,475		$	362,092

Nonaccrual loans and leases as a % of total loans and leases		0.75	%		0.76	%		0.63	%		0.70	%		0.71	%
NPA ratio⁽²⁾		0.81			0.84			0.71			0.78			0.79
(NPA+90days)/(Loan+OREO)⁽³⁾		1.03			1.08			0.98			1.08			1.08

	2015						2014
	Second			First			Fourth			Third			Second
Nonperforming assets, beginning of period	$	400,804		$	337,723		$	364,475		$	362,092		$	365,289
New nonperforming assets		125,105			162,862			87,022			102,834			123,601
Returns to accruing status		(46,120	)		(17,968	)		(20,024	)		(24,884	)		(23,000	)
Loan and lease losses		(33,797	)		(41,574	)		(36,108	)		(36,387	)		(54,646	)
Payments		(38,396	)		(30,578	)		(48,645	)		(29,121	)		(41,947	)
Sales		(11,585	)		(9,661	)		(8,997	)		(10,059	)		(7,205	)

Nonperforming assets, end of period	$	396,011		$	400,804		$	337,723		$	364,475		$	362,092

⁽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)


	2015						2014
(dollar amounts in thousands)	June 30,			March 31,			December 31,			September 30,			June, 30
Accruing loans and leases past due 90 days or more:

Commercial and industrial	$	6,621		$	5,935		$	4,937		$	7,458		$	9,977
Commercial real estate		10,920			16,351			18,793			26,285			27,267
Automobile		4,269			4,746			5,703			4,827			2,895

Residential mortgage (excluding loans guaranteed by the U.S. Government)		21,869			21,034			33,040			33,331			29,709
Home equity		11,713			11,132			12,159			14,809			14,912
Other consumer		846			727			837			638			607

Total, excl. loans guaranteed by the U.S. Government		56,238			59,925			75,469			87,348			85,367
Add: loans guaranteed by U.S. Government		50,640			53,010			55,012			54,778			51,641

Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	106,878		$	112,935		$	130,481		$	142,126		$	137,008

Ratios:

Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.12	%		0.13	%		0.16	%		0.19	%		0.19	%

Guaranteed by U.S. Government, as a percent of total loans and leases		0.10			0.11			0.12			0.11			0.11

Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.22			0.24			0.27			0.30			0.30

Accruing troubled debt restructured loans:
Commercial and industrial	$	233,346		$	162,207		$	116,331		$	89,783		$	90,604
Commercial real estate		158,056			161,515			177,156			186,542			212,736
Automobile		24,774			25,876			26,060			31,480			31,833
Home equity		279,864			265,207			252,084			229,500			221,539
Residential mortgage		266,986			268,441			265,084			271,762			289,239
Other consumer		4,722			4,879			4,018			3,313			3,496

Total accruing troubled debt restructured loans	$	967,748		$	888,125		$	840,733		$	812,380		$	849,447

Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	46,303		$	21,246		$	20,580		$	19,110		$	6,677
Commercial real estate		19,490			28,676			24,964			28,618			24,396
Automobile		4,030			4,283			4,552			4,817			4,287
Home equity		26,568			26,379			27,224			25,149			22,264
Residential mortgage		65,415			69,799			69,305			72,729			81,546
Other consumer		160			165			70			74			120

Total nonaccruing troubled debt restructured loans	$	161,966		$	150,548		$	146,695		$	150,497		$	139,290

Huntington Bancshares Incorporated

Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data

(Unaudited)


	2015			2015
(dollar amounts in millions except per share amounts)	June 30,			March 31,
Common equity tier 1 risk-based capital ratio:⁽¹⁾
Total shareholders’ equity	$	6,496		$	6,462
Regulatory capital adjustments:
Shareholders’ preferred equity		(386	)		(386	)
Accumulated other comprehensive income offset		186			161
Goodwill and other intangibles, net of related taxes		(701	)		(700	)
Deferred tax assets that arise from tax loss and credit carryforwards		(15	)		(36	)

Common equity tier 1 capital		5,580			5,501

Additional tier 1 capital
Shareholders’ preferred equity		386			386
Qualifying capital instruments subject to phase-out		76			76
Other		(22	)		(53	)

Tier 1 capital		6,020			5,910

LTD and other tier 2 qualifying instruments		623			648
Qualifying allowance for loan and lease losses		655			660
Other		—			—

Tier 2 capital		1,278			1,308
Total risk-based capital	$	7,298		$	7,218
Risk-weighted assets (RWA)⁽¹⁾		57,850			57,840
Common equity tier 1 risk-based capital ratio⁽¹⁾		9.65	%		9.51	%

Other regulatory capital data:
Tier 1 leverage ratio⁽¹⁾		8.98	%		9.04	%
Tier 1 risk-based capital ratio⁽¹⁾		10.41			10.22
Total risk-based capital ratio⁽¹⁾		12.62			12.48
Tangible common equity / RWA ratio⁽¹⁾		9.32			9.25

⁽¹⁾	June 30, 2015, figures are estimated and are presented on a Basel III basis, including the standardized approach for calculating risk-weighted assets.

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

(Unaudited)

Quarterly common stock summary


	2015						2014
(dollar amounts in thousands, except per share amounts)	Second			First			Fourth			Third			Second
Common stock price, per share
High⁽¹⁾	$	11.720		$	11.300		$	10.740		$	10.300		$	10.290
Low⁽¹⁾		10.670			9.630			8.800			9.290			8.890
Close		11.310			11.050			10.520			9.730			9.540
Average closing price		11.192			10.559			9.972			9.790			9.406

Dividends, per share
Cash dividends declared per common share	$	0.06		$	0.06		$	0.06		$	0.05		$	0.05

Common shares outstanding
Average - basic		806,891			809,778			811,967			816,497			821,546
Average - diluted		820,238			823,809			825,338			829,623			834,687
Ending		803,066			808,528			811,455			814,454			817,002

Book value per common share	$	7.61		$	7.51		$	7.32		$	7.24		$	7.17
Tangible book value per common share⁽²⁾		6.71			6.62			6.62			6.53			6.48

Common share repurchases
Number of shares repurchased		8,834			4,949			3,605			5,438			12,095
Non-regulatory capital
	2015						2014
(dollar amounts in millions)	June 30,			March 31,			December 31,			September 30,			June 30,
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	6,496		$	6,462		$	6,328		$	6,284		$	6,241
Less: goodwill		(678	)		(678	)		(523	)		(523	)		(505	)
Less: other intangible assets		(63	)		(73	)		(75	)		(85	)		(81	)
Add: related deferred tax liability⁽²⁾		22			25			26			30			28

Total tangible equity		5,777			5,736			5,756			5,706			5,683
Less: preferred equity		(386	)		(386	)		(386	)		(386	)		(386	)

Total tangible common equity	$	5,391		$	5,350		$	5,370		$	5,320		$	5,297

Total assets	$	68,846		$	68,003		$	66,298		$	64,331		$	63,797
Less: goodwill		(678	)		(678	)		(523	)		(523	)		(505	)
Less: other intangible assets		(63	)		(73	)		(75	)		(85	)		(81	)
Add: related deferred tax liability⁽²⁾		22			25			26			30			28

Total tangible assets	$	68,127		$	67,277		$	65,726		$	63,753		$	63,239

Tangible equity / tangible asset ratio		8.48	%		8.53	%		8.76	%		8.95	%		8.99	%
Tangible common equity / tangible asset ratio		7.91			7.95			8.17			8.35			8.38

Tier 1 leverage ratio⁽⁴⁾		N.A.			N.A.			9.74			9.83			10.01
Tier 1 risk-based capital ratio⁽⁴⁾		N.A.			N.A.			11.50			11.61			11.56
Total risk-based capital ratio⁽⁴⁾		N.A.			N.A.			13.56			13.72			13.67
Tangible common equity / risk-weighted assets ratio⁽⁴⁾		N.A.			N.A.			9.86			9.99			9.99

Other data:
Number of employees (Average full-time equivalent)		12,274			11,914			11,875			11,946			12,000
Number of domestic full-service branches⁽³⁾		735			733			729			753			730

⁽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⁾	Ratios are calculated on the Basel I basis.

^N.A.

Huntington Bancshares Incorporated

Consolidated Year to Date Average Balance Sheets

(Unaudited)


	YTD Average Balances
	Six Months Ended June 30,						Change
(dollar amounts in millions)	2015			2014			Amount			Percent
Assets
Interest-bearing deposits in banks	$	91		$	87		$	4			5	%
Loans held for sale		829			283			546			193
Securities:
Available-for-sale and other securities:
Taxable		7,791			6,452			1,339			21
Tax-exempt		1,952			1,203			749			62

Total available-for-sale and other securities		9,743			7,655			2,088			27
Trading account securities		47			42			5			12
Held-to-maturity securities - taxable		3,335			3,730			(395	)		(11	)

Total securities		13,125			11,427			1,698			15

Loans and leases:⁽¹⁾
Commercial:
Commercial and industrial		19,469			17,948			1,521			8
Commercial real estate:
Construction		929			657			272			41
Commercial		4,244			4,317			(73	)		(2	)

Commercial real estate		5,173			4,974			199			4

Total commercial		24,642			22,922			1,720			8

Consumer:
Automobile		8,431			7,069			1,362			19
Home equity		8,494			8,358			136			2
Residential mortgage		5,835			5,494			341			6
Other consumer		438			385			53			14

Total consumer		23,198			21,306			1,892			9

Total loans and leases		47,840			44,228			3,612			8
Allowance for loan and lease losses		(610	)		(645	)		35			(5	)

Net loans and leases		47,230			43,583			3,647			8

Total earning assets		61,885			56,025			5,860			10

Cash and due from banks		930			887			43			5
Intangible assets		670			563			107			19
All other assets		4,197			3,937			260			7

Total assets	$	67,072		$	60,767		$	6,305			10	%

Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	15,575		$	13,330		$	2,245			17	%
Demand deposits - interest-bearing		6,380			5,860			520			9

Total demand deposits		21,955			19,190			2,765			14
Money market deposits		19,084			17,664			1,420			8
Savings and other domestic deposits		5,220			5,027			193			4
Core certificates of deposit		2,726			3,523			(797	)		(23	)

Total core deposits		48,985			45,404			3,581			8
Other domestic deposits of $250,000 or more		190			273			(83	)		(30	)
Brokered deposits and negotiable CDs		2,651			1,927			724			38
Deposits in foreign offices		559			322			237			74

Total deposits		52,385			47,926			4,459			9
Short-term borrowings		2,018			2,581			(563	)		(22	)
Long-term debt		4,761			3,021			1,740			58

Total interest-bearing liabilities		43,589			40,198			3,391			8

All other liabilities		1,441			1,034			407			39
Shareholders’ equity		6,467			6,205			262			4

Total liabilities and shareholders’ equity	$	67,072		$	60,767		$	6,305			10	%

⁽¹⁾	Includes nonaccrual loans.

Huntington Bancshares Incorporated

Consolidated Year to Date Net Interest Margin - Interest Income / Expense⁽¹⁾

(Unaudited)


	YTD Interest Income / Expense
	Six Months Ended June 30,
(dollar amounts in thousands)	2015		2014
Assets
Interest-bearing deposits in banks	$	60	$	14
Loans held for sale		14,066		5,675
Securities:
Available-for-sale and other securities:
Taxable		99,381		80,483
Tax-exempt		30,163		18,599

Total available-for-sale and other securities		129,544		99,082
Trading account securities		259		186
Held-to-maturity securities - taxable		41,408		45,934

Total securities		171,211		145,202
Loans and leases:
Commercial:
Commercial and industrial		339,909		318,189
Commercial real estate:
Construction		17,287		13,707
Commercial		74,526		86,861

Commercial real estate		91,813		100,568

Total commercial		431,722		418,757

Consumer:
Automobile		134,715		122,696
Home equity		168,597		170,733
Residential mortgage		108,928		103,730
Other consumer		18,114		13,492

Total consumer		430,354		410,651

Total loans and leases		862,076		829,408

Total earning assets	$	1,047,413	$	980,299

Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—	$	—
Demand deposits - interest-bearing		1,677		1,083

Total demand deposits		1,677		1,083
Money market deposits		20,661		21,488
Savings and other domestic deposits		3,690		4,638
Core certificates of deposit		10,443		15,325

Total core deposits		36,471		42,534
Other domestic deposits of $250,000 or more		407		570
Brokered deposits and negotiable CDs		2,190		2,474
Deposits in foreign offices		364		206

Total deposits		39,432		45,784
Short-term borrowings		1,273		1,242
Long-term debt		32,815		23,197

Total interest-bearing liabilities		73,520		70,223

Net interest income	$	973,893	$	910,076

⁽¹⁾	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 20 for the FTE adjustment.

Huntington Bancshares Incorporated

Consolidated Year to Date Net Interest Margin - Yield

(Unaudited)


	YTD Average Rates⁽²⁾
	Six Months Ended June 30,
Fully-taxable equivalent basis⁽¹⁾	2015			2014
Assets
Interest-bearing deposits in banks		0.13	%		0.03	%
Loans held for sale		3.39			4.01
Securities:
Available-for-sale and other securities:
Taxable		2.55			2.49
Tax-exempt		3.09			3.09

Total available-for-sale and other securities		2.66			2.59
Trading account securities		1.10			0.89
Held-to-maturity securities - taxable		2.48			2.46

Total securities		2.61			2.54

Loans and leases:⁽³⁾
Commercial:
Commercial and industrial		3.47			3.53
Commercial real estate:
Construction		3.70			4.15
Commercial		3.49			4.00

Commercial real estate		3.53			4.02

Total commercial		3.48			3.63

Consumer:
Automobile		3.22			3.50
Home equity		4.00			4.12
Residential mortgage		3.73			3.78
Other consumer		8.33			7.08

Total consumer		3.73			3.88

Total loans and leases		3.61			3.75

Total earning assets		3.41	%		3.53	%

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

Demand deposits - interest-bearing		0.05			0.04
Total demand deposit		0.02			0.01
Money market deposits		0.22			0.25
Savings and other domestic deposits		0.14			0.19
Core certificates of deposit		0.77			0.88

Total core deposits		0.22			0.27
Other domestic deposits of $250,000 or more		0.43			0.42
Brokered deposits and negotiable CDs		0.17			0.26
Deposits in foreign offices		0.13			0.13

Total deposits		0.22			0.27
Short-term borrowings		0.13			0.10
Long-term debt		1.38			1.54

Total interest bearing liabilities		0.34			0.35

Net interest rate spread		3.07			3.18
Impact of noninterest-bearing funds on margin		0.10			0.10

Net interest margin		3.17	%		3.28	%

Commercial Loan Derivative Impact

(Unaudited)


	YTD Average Rates
	Six Months Ended June 30,
Fully-taxable equivalent basis⁽¹⁾	2015			2014
Commercial loans⁽²⁾⁽³⁾		3.27	%		3.42	%
Impact of commercial loan derivatives		0.21			0.21

Total commercial - as reported		3.48	%		3.63	%

Average 30 day LIBOR		0.18	%		0.15	%

⁽¹⁾	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 20 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 Year to Date Income Statement Data⁽¹⁾

(Unaudited)


	Six Months Ended June 30,				Change
(dollar amounts in thousands, except per share amounts)	2015		2014		Amount			Percent
Interest income	$	1,031,891	$	967,777	$	64,114			7	%
Interest expense		73,520		70,223		3,297			5

Net interest income		958,371		897,554		60,817			7
Provision for credit losses		41,010		54,015		(13,005	)		(24	)

Net interest income after provision for credit losses		917,361		843,539		73,822			9

Service charges on deposit accounts		132,338		137,215		(4,877	)		(4	)
Trust services		55,589		59,146		(3,557	)		(6	)
Electronic banking		57,657		50,133		7,524			15
Mortgage banking income		61,479		45,807		15,672			34
Brokerage income		30,684		35,072		(4,388	)		(13	)
Insurance income		33,532		32,492		1,040			3
Bank owned life insurance income		26,240		27,172		(932	)		(3	)
Capital markets fees		27,097		19,694		7,403			38
Gain on sale of loans		17,042		7,484		9,558			128
Securities gains (losses)		82		17,460		(17,378	)		(100	)
Other income		71,656		66,877		4,779			7

Total noninterest income		513,396		498,552		14,844			3

Personnel costs		547,051		510,077		36,974			7
Outside data processing and other services		109,043		105,828		3,215			3
Net occupancy		59,881		62,106		(2,225	)		(4	)
Equipment		61,943		57,499		4,444			8
Professional services		25,320		30,127		(4,807	)		(16	)
Marketing		27,999		25,518		2,481			10
Deposit and other insurance expense		21,954		24,317		(2,363	)		(10	)
Amortization of intangibles		20,166		18,811		1,355			7
Other expense		77,277		84,474		(7,197	)		(9	)

Total noninterest expense		950,634		918,757		31,877			3

Income before income taxes		480,123		423,334		56,789			13
Provision for income taxes		118,063		109,572		8,491			8

Net income	$	362,060	$	313,762	$	48,298			15	%

Dividends on preferred shares		15,933		15,927		6			—

Net income applicable to common shares	$	346,127	$	297,835	$	48,292			16	%

Average common shares - basic		808,335		825,603		(17,268	)		(2	)%
Average common shares - diluted		822,023		838,546		(16,523	)		(2	)

Per common share
Net income - basic	$	0.43	$	0.36	$	0.07			19
Net income - diluted		0.42		0.36		0.06			17
Cash dividends declared		0.12		0.10		0.02			20

Revenue - fully taxable equivalent (FTE)
Net interest income	$	958,371	$	897,554	$	60,817			7
FTE adjustment⁽²⁾		15,522		12,522		3,000			24

Net interest income		973,893		910,076		63,817			7
Noninterest income		513,396		498,552		14,844			3

Total revenue	$	1,487,289	$	1,408,628	$	78,661			6	%

⁽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

Year to Date Mortgage Banking Income

(Unaudited)


	Six Months Ended June 30,						Change
(dollar amounts in thousands, except as noted)	2015			2014			Amount			Percent
Mortgage banking income

Origination and secondary marketing	$	46,382		$	28,786		$	17,596			61	%
Servicing fees		21,519			21,812			(293	)		(1	)
Amortization of capitalized servicing		(13,944	)		(11,933	)		(2,011	)		17
Other mortgage banking income		6,016			7,747			(1,731	)		(22	)

Subtotal		59,973			46,412			13,561			29
MSR valuation adjustment⁽¹⁾		5,361			(4,643	)		N.R.			N.R.
Net trading gains (losses) related to MSR hedging		(3,855	)		4,037			N.R.			N.R.

Total mortgage banking income	$	61,479		$	45,806		$	15,673			34	%

Mortgage originations (in millions)	$	2,434		$	1,639		$	795			49	%
Capitalized mortgage servicing rights⁽²⁾		163,808			159,860			3,948			2
Total mortgages serviced for others (in millions)⁽²⁾		15,722			15,560			162			1
MSR % of investor servicing portfolio		1.04	%		1.03	%		0.01	%		1

Net impact of MSR hedging

MSR valuation adjustment⁽¹⁾	$	5,361		$	(4,643	)		N.R.			N.R.
Net trading gains (losses) related to MSR hedging		(3,855	)		4,037			N.R.			N.R.

Net gain (loss) on MSR hedging	$	1,506		$	(606	)		N.R.			N.R.

N.R.	- Not relevant.

⁽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

Year to Date Credit Reserves Analysis

(Unaudited)


	Six Months Ended June 30,
(dollar amounts in thousands)	2015			2014
Allowance for loan and lease losses, beginning of period	$	605,196		$	647,870
Loan and lease losses		(102,045	)		(131,838	)
Recoveries of loans previously charged off		52,238			60,209

Net loan and lease losses		(49,807	)		(71,629	)

Provision for loan and lease losses		46,445			59,987
Allowance of assets sold or transferred to loans held for sale		(2,292	)		(1,127	)

Allowance for loan and lease losses, end of period	$	599,542		$	635,101

Allowance for unfunded loan commitments and letters of credit, beginning of period	$	60,806		$	62,899
Provision for (reduction in) unfunded loan commitments and letters of credit losses		(5,435	)		(5,972	)

Allowance for unfunded loan commitments and letters of credit, end of period	$	55,371		$	56,927

Total allowance for credit losses	$	654,913		$	692,028

Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.23	%		1.38	%
Nonaccrual loans and leases (NALs)		165			195
Nonperforming assets (NPAs)		151			175

Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.34	%		1.50	%
Nonaccrual loans and leases (NALs)		180			213
Nonperforming assets (NPAs)		165			191

Huntington Bancshares Incorporated

Year to Date Net Charge-Off Analysis

(Unaudited)


	Six Months Ended June 30,
(dollar amounts in thousands)	2015			2014
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	15,814		$	19,203
Commercial real estate:
Construction		(219	)		747
Commercial		1,732			(3,925	)

Commercial real estate		1,513			(3,178	)

Total commercial		17,327			16,025

Consumer:
Automobile		7,690			7,568
Home equity		9,275			24,178
Residential mortgage		4,958			11,265
Other consumer		10,557			12,593

Total consumer		32,480			55,604

Total net charge-offs	$	49,807		$	71,629

Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial		0.16	%		0.21	%
Commercial real estate:
Construction		(0.05	)		0.23
Commercial		0.08			(0.18	)

Commercial real estate		0.06			(0.13	)

Total commercial		0.14			0.14

Consumer:
Automobile		0.18			0.21
Home equity		0.22			0.58
Residential mortgage		0.17			0.41
Other consumer		4.81			6.55

Total consumer		0.28			0.52

Net charge-offs as a % of average loans		0.21	%		0.32	%

Huntington Bancshares Incorporated

Year to Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)


	June 30,
(dollar amounts in thousands)	2015			2014
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	149,713		$	75,274
Commercial real estate		43,888			65,398
Automobile		4,190			4,384
Residential mortgage		91,198			110,635
Home equity		75,350			69,266

Total nonaccrual loans and leases		364,339			324,957

Other real estate, net:
Residential		25,660			31,761
Commercial		3,572			2,934

Total other real estate, net		29,232			34,695
Other NPAs⁽¹⁾		2,440			2,440

Total nonperforming assets	$	396,011		$	362,092

Nonaccrual loans and leases as a % of total loans and leases		0.75	%		0.71	%

NPA ratio⁽²⁾		0.81			0.79

	Six Months Ended June 30,
(dollar amounts in thousands)	2015			2014
Nonperforming assets, beginning of period	$	337,723		$	352,160
New nonperforming assets		287,967			241,405
Returns to accruing status		(64,088	)		(32,333	)
Loan and lease losses		(75,371	)		(102,242	)
Payments		(68,974	)		(81,180	)
Sales		(21,246	)		(15,718	)

Nonperforming assets, end of period	$	396,011		$	362,092

⁽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

Year to Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)


	June 30,
(dollar amounts in thousands)	2015			2014
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	6,621		$	9,977
Commercial real estate		10,920			27,267
Automobile		4,269			2,895
Residential mortgage (excluding loans guaranteed by the U.S. Government)		21,869			29,709
Home equity		11,713			14,912
Other consumer		846			607

Total, excl. loans guaranteed by the U.S. Government		56,238			85,367
Add: loans guaranteed by U.S. Government		50,640			51,641

Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	106,878		$	137,008

Ratios:

Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.12	%		0.19	%

Guaranteed by U.S. Government, as a percent of total loans and leases		0.10			0.11

Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.22			0.30

Accruing troubled debt restructured loans:
Commercial and industrial	$	233,346		$	90,604
Commercial real estate		158,056			212,736
Automobile		24,774			31,833
Home equity		279,864			221,539
Residential mortgage		266,986			289,239
Other consumer		4,722			3,496

Total accruing troubled debt restructured loans	$	967,748		$	849,447

Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	46,303		$	6,677
Commercial real estate		19,490			24,396
Automobile		4,030			4,287
Home equity		26,568			22,264
Residential mortgage		65,415			81,546
Other consumer		160			120

Total nonaccruing troubled debt restructured loans	$	161,966		$	139,290