Huntington Bancshares (HBAN) 10-K 17 Feb 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Jan. 31, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	HUNTINGTON BANCSHARES INC/MD
Entity Central Index Key	49,196
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Amendment Flag	false
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float			$ 8,871,190,906
Entity Common Stock, Shares Outstanding		795,025,143

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks		$ 847,156	$ 1,220,565
Interest-bearing deposits in banks		51,838	64,559
Trading account securities		36,997	42,191
Loans held for sale	[1]	474,621	416,327
Available-for-sale and other securities		8,775,441	9,384,670
Held-to-maturity securities		6,159,590	3,379,905
Loans and leases (includes $34,637 and $50,617 respectively, measured at fair value)
Commercial and industrial loans and leases	[1]	20,559,834	19,033,146
Commercial real estate loans	[1]	5,268,651	5,197,403
Automobile loans	[1]	9,480,678	8,689,902
Home equity loans	[1]	8,470,482	8,490,915
Residential mortgage loans	[1]	5,998,400	5,830,609
Other consumer loans	[1]	563,054	413,751
Loans and leases	[1]	50,341,099	47,655,726
Allowance for loan and lease losses		(597,843)	(605,196)
Net loans and leases		49,743,256	47,050,530
Bank owned life insurance		1,757,668	1,718,436
Premises and equipment		620,540	616,407
Goodwill		676,869	522,541
Other intangible assets		54,978	74,671
Accrued income and other assets		1,845,597	1,807,208
Total assets		71,044,551	66,298,010
Deposits in domestic offices
Demand deposits—noninterest-bearing		16,479,984	15,393,226
Interest-bearing		38,547,587	35,937,873
Deposits in foreign offices		267,408	401,052
Deposits		55,294,979	51,732,151
Short-term borrowings		615,279	2,397,101
Long-term debt		7,067,614	4,335,962
Accrued expenses and other liabilities		1,472,073	1,504,626
Total liabilities		$ 64,449,945	$ 59,969,840
Commitments and contingencies
Shareholders’ equity
Common stock		$ 7,970	$ 8,131
Capital surplus		7,038,502	7,221,745
Less treasury shares, at cost		(17,932)	(13,382)
Accumulated other comprehensive loss		(226,158)	(222,292)
Retained (deficit) earnings		(594,067)	(1,052,324)
Total shareholders’ equity		6,594,606	6,328,170
Total liabilities and shareholders’ equity		$ 71,044,551	$ 66,298,010
Common shares authorized (par value of $0.01) (in shares)		1,500,000,000	1,500,000,000
Common shares issued (in shares)		796,969,694	813,136,321
Common shares outstanding (in shares)		794,928,886	811,454,676
Treasury shares outstanding (in shares)		2,040,808	1,681,645
Preferred shares issued (in shares)		1,967,071	1,967,071
Preferred shares outstanding (in shares)		398,006	398,007
Series A Preferred Stock
Shareholders’ equity
Preferred Stock		$ 362,506	$ 362,507
Total shareholders’ equity		362,506	362,507
Series B Preferred Stock
Shareholders’ equity
Preferred Stock		23,785	23,785
Total shareholders’ equity		$ 23,785	$ 23,785
[1]	Amounts represent loans for which Huntington has elected the fair value option.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Assets
Loans held for sale, fair value	$ 337,577	$ 354,888
Loans and leases, fair value	$ 34,637	$ 50,617
Shareholders’ equity
Preferred stock, authorized shares (in shares)	6,617,808	6,617,808
Common stock, par value (in usd per share)	$ 0.01	$ 0.01
Series A Preferred Stock
Shareholders’ equity
Preferred Stock, par value (in usd per share)	0.01	0.01
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, dividend percentage	8.50%	8.50%
Series B Preferred Stock
Shareholders’ equity
Preferred Stock, par value (in usd per share)	$ 0.01	$ 0.01
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest and fee income:
Loans and leases		$ 1,759,525	$ 1,674,563	$ 1,629,939
Available-for-sale and other securities
Taxable		202,104	171,080	148,557
Tax-exempt		42,014	28,965	12,678
Held-to-maturity securities		86,614	88,724	50,214
Other		24,264	13,130	19,249
Total interest income		2,114,521	1,976,462	1,860,637
Interest expense
Deposits		82,175	86,453	116,241
Short-term borrowings		1,584	2,940	700
Federal Home Loan Bank advances		586	1,011	1,077
Subordinated notes and other long-term debt		79,439	48,917	38,011
Total interest expense		163,784	139,321	156,029
Net interest income		1,950,737	1,837,141	1,704,608
Provision for credit losses		99,954	80,989	90,045
Net interest income after provision for credit losses		1,850,783	1,756,152	1,614,563
Service charges on deposit accounts		280,349	273,741	271,802
Cards and payment processing income		142,715	105,401	92,591
Mortgage banking income		111,853	84,887	126,855
Trust services		105,833	115,972	123,007
Insurance income		65,264	65,473	69,264
Brokerage income		60,205	68,277	69,624
Capital markets fees		53,616	43,731	45,220
Bank owned life insurance income		52,400	57,048	56,419
Gain on sale of loans		33,037	21,091	18,171
Net gains on sales of securities		3,184	17,554	2,220
Impairment losses recognized in earnings on available-for-sale securities	$ 0	(2,440)	0	(1,802)
Other income		132,714	126,004	138,825
Total noninterest income		1,038,730	979,179	1,012,196
Personnel costs		1,122,182	1,048,775	1,001,637
Outside data processing and other services		231,353	212,586	199,547
Equipment		124,957	119,663	106,793
Net occupancy		121,881	128,076	125,344
Marketing		52,213	50,560	51,185
Professional services		50,291	59,555	40,587
Deposit and other insurance expense		44,609	49,044	50,161
Amortization of intangibles		27,867	39,277	41,364
Other expense		200,555	174,810	141,385
Total noninterest expense		1,975,908	1,882,346	1,758,003
Income before income taxes		913,605	852,985	868,756
Provision for income taxes		220,648	220,593	227,474
Net income		692,957	632,392	641,282
Dividends on preferred shares		31,873	31,854	31,869
Net income available to common shareholders	$ 600,538	$ 661,084	$ 600,538	$ 609,413
Average common shares—basic (in shares)	819,917	803,412	819,917	834,205
Average common shares—diluted (in shares)	833,081	817,129	833,081	843,974
Per common share:
Net income - basic (in USD per share)	$ 0.73	$ 0.82	$ 0.73	$ 0.73
Net income - diluted (in USD per share)	0.72	0.81	0.72	0.72
Cash dividends declared, prior period (in USD per share)	$ 0.21	$ 0.25	$ 0.21	$ 0.19
Impairment losses on available-for-sale securities:
Total OTTI losses	$ 0	$ (3,144)		$ (1,870)
Noncredit-related portion of loss recognized in other comprehensive income	0	704		68
Impairment losses recognized in earnings on available-for-sale securities	$ 0	$ (2,440)	$ 0	$ (1,802)

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net income	$ 692,957	$ 632,392	$ 641,282
Unrealized gains on available-for-sale and other securities:
Non-credit-related impairment recoveries (losses) on debt securities not expected to be sold	12,673	8,780	153
Unrealized net gains (losses) on available-for-sale and other securities arising during the period, net of reclassification for net realized gains and losses	(19,757)	45,783	(77,593)
Total unrealized gains (losses) on available-for-sale securities	(7,084)	54,563	(77,440)
Unrealized gains (losses) on cash flow hedging derivatives, net of reclassifications to income	8,285	6,611	(65,928)
Change in accumulated unrealized losses for pension and other post-retirement obligations	(5,067)	(69,457)	80,176
Other comprehensive income (loss), net of tax	(3,866)	(8,283)	(63,192)
Comprehensive income	$ 689,091	$ 624,109	$ 578,090

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive Loss	Retained Earnings (Deficit)	Series A Preferred Stock	Series A Preferred StockRetained Earnings (Deficit)	Series B Preferred Stock	Series B Preferred StockRetained Earnings (Deficit)
Beginning balance (in shares) at Dec. 31, 2012		844,105		(1,292)			363		35
Beginning balance at Dec. 31, 2012	$ 5,778,500	$ 8,441	$ 7,475,149	$ (10,921)	$ (150,817)	$ (1,929,644)	$ 362,507		$ 23,785
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	641,282					641,282
Other comprehensive income (loss)	(63,192)				(63,192)
Purchase of common stock (in shares)		(16,708)
Repurchases of common stock	(124,995)	$ (167)	(124,828)
Cash dividends declared:
Common shares dividend (in USD per share)	(158,194)					(158,194)
Preferred shares dividend (in USD per share)							$ (30,813)	$ (30,813)	$ (1,055)	$ (1,055)
Recognition of the fair value of share-based compensation	37,007		37,007
Other share based compensation activity, (in shares)		4,820
Other share-based compensation activity	11,987	$ 48	12,812			(873)
Other (in shares)				(39)
Other	(374)		(1,625)	$ 1,278		(27)
Ending balance (in share) at Dec. 31, 2013		832,217		(1,331)			363		35
Ending balance at Dec. 31, 2013	6,090,153	$ 8,322	7,398,515	$ (9,643)	(214,009)	(1,479,324)	$ 362,507		$ 23,785
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	632,392					632,392
Other comprehensive income (loss)	(8,283)				(8,283)
Purchase of common stock (in shares)		(35,709)
Repurchases of common stock	(334,429)	$ (357)	(334,072)
Cash dividends declared:
Common shares dividend (in USD per share)	(171,692)					(171,692)
Preferred shares dividend (in USD per share)							$ (30,813)	(30,813)	$ (1,041)	(1,041)
Shares issued pursuant to acquisition (in shares)		8,694
Shares issued pursuant to acquisition	91,664	$ 87	91,577
Shares sold to HIP (in shares)		276
Shares sold to HIP	2,597	$ 3	2,594
Recognition of the fair value of share-based compensation	43,666		43,666
Other share based compensation activity, (in shares)		6,752
Other share-based compensation activity	15,513	$ 68	17,219			(1,774)
Other (in shares)				(351)
Other	(1,557)		2,246	$ (3,739)		(72)
Ending balance (in share) at Dec. 31, 2014		813,136		(1,682)			363		35
Ending balance at Dec. 31, 2014	6,328,170	$ 8,131	7,221,745	$ (13,382)	(222,292)	(1,052,324)	$ 362,507		$ 23,785
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	692,957					692,957
Other comprehensive income (loss)	(3,866)				(3,866)
Purchase of common stock (in shares)		(23,036)
Repurchases of common stock	(251,844)	$ (230)	(251,614)
Cash dividends declared:
Common shares dividend (in USD per share)	(200,197)					(200,197)
Preferred shares dividend (in USD per share)	(30,813)							$ (30,813)	$ (1,059)	$ (1,059)
Conversion of stock (in share)	0		1				$ (1)
Recognition of the fair value of share-based compensation	51,415		51,415
Other share based compensation activity, (in shares)		6,784
Other share-based compensation activity	13,492	$ 68	16,068			(2,644)
Other (in shares)		86		(359)
Other	(3,649)	$ 1	887	$ (4,550)		13
Ending balance (in share) at Dec. 31, 2015		796,970		(2,041)			363		35
Ending balance at Dec. 31, 2015	$ 6,594,606	$ 7,970	$ 7,038,502	$ (17,932)	$ (226,158)	$ (594,067)	$ 362,506		$ 23,785

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash dividends declared:
Common stock, cash dividend per share (in USD per share)	$ 0.25	$ 0.21	$ 0.19
Series A Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	85	85	85
Series B Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	$ 29.84	$ 29.33	$ 33.14

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Operating activities
Net income	$ 692,957	$ 632,392	$ 641,282
Adjustments to reconcile net income to net cash provided by (used for) operating activities:
Impairment of goodwill	0	3,000	0
Provision for credit losses	99,954	80,989	90,045
Depreciation and amortization	341,281	332,832	281,545
Share-based compensation expense	51,415	43,666	37,007
Net gains on sales of securities	(3,184)	(17,554)	(2,220)
Impairment losses recognized in earnings on available-for-sale securities	2,440	0	1,802
Net Change in:
Trading account securities	5,194	(6,618)	55,632
Loans held for sale	53,765	(58,803)	127,368
Accrued income and other assets	(233,624)	(438,366)	10,500
Change in deferred income taxes	68,776	35,174	106,022
Accrued expense and other liabilities	(34,846)	282,074	(335,738)
Other, net	(10,766)	0	0
Net cash provided by (used for) operating activities	1,033,362	888,786	1,013,245
Investing activities
Decrease (increase) in interest-bearing deposits in banks	12,721	(7,516)	146,584
Net cash (paid) received in acquisitions	(457,836)	691,637	0
Proceeds from:
Maturities and calls of available-for-sale securities	1,907,669	1,480,505	1,414,114
Maturities of held-to-maturity securities	594,905	452,785	278,136
Sales of available-for-sale securities	163,224	1,152,907	410,106
Purchases of available-for-sale securities	(4,506,764)	(4,553,857)	(1,416,795)
Purchases of held-to-maturity securities	(379,351)	0	(2,081,373)
Net proceeds from sales of loans	1,304,309	353,811	459,006
Net loan and lease activity, excluding sales	(3,186,775)	(4,232,350)	(3,386,753)
Proceeds from sale of operating lease assets	2,227	17,591	10,227
Purchases of premises and equipment	(93,097)	(58,862)	(102,208)
Proceeds from sales of other real estate	36,038	38,479	40,448
Purchases of loans and leases	(333,726)	(345,039)	(16,170)
Purchases of customer lists	0	(946)	0
Other, net	7,802	6,074	4,345
Net cash provided by (used for) investing activities	(4,928,654)	(5,004,781)	(4,240,333)
Financing activities
Increase (decrease) in deposits	3,644,492	2,923,928	1,258,038
Increase (decrease) in short-term borrowings	(1,818,947)	118,698	854,558
Sale of deposits	(47,521)	0	0
Proceeds from issuance of long-term debt	3,232,227	2,000,000	1,250,000
Maturity/redemption of long-term debt	(1,036,717)	(198,922)	(102,086)
Dividends paid on preferred stock	(31,872)	(31,854)	(31,869)
Dividends paid on common stock	(192,518)	(166,935)	(150,608)
Repurchase of common stock	(251,844)	(334,429)	(124,995)
Proceeds from stock options exercised	19,000	17,710	12,601
Net proceeds from issuance of common stock	0	2,597	0
Other, net	5,583	4,635	(225)
Net cash provided by (used for) financing activities	3,521,883	4,335,428	2,965,414
Increase (decrease) in cash and cash equivalents	(373,409)	219,433	(261,674)
Cash and cash equivalents at beginning of period	1,220,565	1,001,132	1,262,806
Cash and cash equivalents at end of period	847,156	1,220,565	1,001,132
Supplemental disclosures:
Interest paid	150,403	131,488	155,832
Income taxes paid (refunded)	153,590	139,918	109,432
Non-cash activities:
Loans transferred to available-for-sale securities	0	0	600,435
Loans transferred to held-for-sale from portfolio	1,727,440	96,643	53,360
Loans transferred to portfolio from held-for-sale	278,080	45,240	307,303
Transfer of loans to OREO	24,625	39,066	34,372
Transfer of securities to held-to-maturity from available-for-sale	$ 3,000,180	$ 0	$ 292,164

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial, small business, consumer banking services, mortgage banking services, automobile financing, equipment leasing, investment management, trust services, brokerage services, customized insurance programs, and other financial products and services. Huntington’s banking offices are located in Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio and a limited purpose office located in the Cayman Islands. Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances have been eliminated in consolidation. Companies in which Huntington holds more than a 50% voting equity interest, or a controlling financial interest, or are a VIE in which Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE which could potentially be significant to the VIE are consolidated. VIEs are legal entities with insubstantial equity, whose equity investors lack the ability to make decisions about the entity’s activities, or whose equity investors do not have the right to receive the residual returns of the entity if they occur. VIEs in which Huntington does not hold the power to direct the activities of the entity that most significantly impact the entity’s economic performance or does not have an obligation to absorb losses or the right to receive benefits from the VIE which could potentially be significant to the VIE are not consolidated. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by others and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to other’s interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Those investments in nonmarketable securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in Accrued income and other assets and Huntington’s proportional interest in the equity investments’ earnings are included in other noninterest income. Investment interests accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes deferred tax assets, and contingent liabilities, as well as fair value measurements of investment securities, derivatives, goodwill, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statement of cash flows purposes, cash and cash equivalents are defined as the sum of Cash and due from banks, which includes amounts on deposit with the Federal Reserve and Federal funds sold and securities purchased under resale agreements. Certain prior period amounts have been reclassified to conform to the current year’s presentation. Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is continually monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement. Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income, except for gains and losses on trading account securities used to hedge the fair value of MSRs, which are included in mortgage banking income. Debt securities purchased in which Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt and equity securities are classified as available-for-sale and other securities. Unrealized gains or losses on available-for-sale and other securities are reported as a separate component of accumulated OCI in the Consolidated Statements of Changes in Shareholders’ Equity. Credit-related declines in the value of debt securities that are considered other-than-temporary are recorded in noninterest income. Huntington evaluates its investment securities portfolio on a quarterly basis for indicators of OTTI. Huntington assesses whether OTTI has occurred when the fair value of a debt security is less than the amortized cost basis at the balance sheet date. Management reviews the amount of unrealized loss, the length of time the security has been in an unrealized loss position, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. OTTI is considered to have occurred (1) if Huntington intends to sell the security; (2) if it is more likely than not Huntington will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows are not sufficient to recover all contractually required principal and interest payments. For securities that Huntington does not expect to sell, or it is not more likely than not to be required to sell, the OTTI is separated into credit and noncredit components. A discounted cash flow analysis, which includes evaluating the timing of the expected cash flows, is completed for all debt securities subject to credit impairment. The measurement of the credit loss component is equal to the difference between the debt security’s cost basis and the present value of its expected future cash flows discounted at the security’s effective yield. The credit-related OTTI, represented by the expected loss in principal, is recognized in noninterest income. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit-related and, therefore, are recognized in OCI. Huntington believes that it will fully collect the carrying value of securities on which noncredit-related OTTI has been recognized in OCI. Noncredit-related OTTI results from other factors, including increased liquidity spreads and extension of the security. For securities which Huntington does expect to sell, or if it is more likely than not Huntington will be required to sell the security before recovery of its amortized cost basis, all OTTI is recognized in earnings. Presentation of OTTI is made in the Consolidated Statements of Income on a gross basis with a reduction for the amount of OTTI recognized in OCI. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest and dividends on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, are included in interest income. Nonmarketable equity securities include stock acquired for regulatory purposes, such as Federal Home Loan Bank stock and Federal Reserve Bank stock. These securities are accounted for at cost, evaluated for impairment, and included in available-for-sale and other securities. Loans and Leases — Loans and direct financing leases for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Consolidated Balance Sheets as loans and leases. Except for loans for which the fair value option has been elected, loans and leases are carried at the principal amount outstanding, net of unamortized deferred loan origination fees and costs and net of unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income. Interest income is accrued as earned using the interest method based on unpaid principal balances. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at a premium and at a discount to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs on a level-yield basis over the estimated lives of the related loans, which would not include purchased credit impaired loans. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the amortization period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Residual values on leased equipment are evaluated quarterly for impairment. Impairment of the residual values of direct financing leases determined to be other than temporary is recognized by writing the leases down to fair value with a charge to other noninterest expense. Residual value losses arise if the expected fair value at the end of the lease term is less than the residual value recorded at the lease origination, net of estimated amounts reimbursable by the lessee. Future declines in the expected residual value of the leased equipment would result in expected losses of the leased equipment. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale (excluding loans originated or acquired with the intent to sell, which are carried at fair value) are carried at the lower of cost or fair value less cost to sell. The fair value option is generally elected for mortgage loans held for sale to facilitate hedging of the loans. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans. Nonmortgage loans held for sale are measured on an aggregate asset basis. Allowance for Credit Losses — Huntington maintains two reserves, both of which reflect management’s judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change. The appropriateness of the ACL is based on management’s current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. In addition to general economic conditions and the other factors described above, additional factors also considered include: the impact of increasing or decreasing residential real estate values; the diversification of CRE loans; the development of new or expanded Commercial business segments such as healthcare, ABL, leveraged lending, and energy, and the overall condition of the manufacturing industry. Also, the ACL assessment includes the on-going assessment of credit quality metrics, and a comparison of certain ACL benchmarks to current performance. The ALLL consists of two components: (1) the transaction reserve, which includes a loan level allocation, specific reserves related to loans considered to be impaired, and loans involved in troubled debt restructurings, and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics and (2) an estimate of loss based on an impairment review of each impaired C&I and CRE loan where obligor balance is greater than $1.0 million . For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying a PD factor and a LGD factor to each individual loan based on a regularly updated loan grade, using a standardized loan grading system. The PD factor and an LGD factor are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower’s industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data. In the case of more homogeneous portfolios, such as automobile loans, home equity loans, and residential mortgage loans, the determination of the transaction reserve also incorporates PD and LGD factors. The estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used. The credit score provides a basis for understanding the borrower’s past and current payment performance, and this information is used to estimate expected losses over the emergence period. The performance of first-lien loans ahead of our junior-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as required. The general reserve consists of various risk-profile reserve components. The risk-profile component considers items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, management quality, concentrations, portfolio composition, industry comparisons, and internal review functions. The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering a historical utilization of unused commitments. The AULC is recorded in Accrued expenses and other liabilities in the Consolidated Balance Sheets. Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower. All classes within the C&I and CRE portfolios (except for purchased credit-impaired loans) are placed on nonaccrual status at 90 -days past due. First-lien home equity loans are placed on nonaccrual status at 150 -days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120 -days past due or when the related first-lien loan has been identified as nonaccrual. Automobile and other consumer loans are generally charged-off when the loan is 120 -days past due. Residential mortgage loans are placed on nonaccrual status at 150 -days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. We are reimbursed from the government agency for reasonable expenses incurred in servicing loans. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income is reversed with current year accruals charged to interest income, and prior year amounts charged-off as a credit loss. For all classes within all loan portfolios, cash receipts received on NALs are applied against principal until the loan or lease has been collected in full, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Regarding all classes within the C&I and CRE portfolios, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For these loans that have been returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs. C&I and CRE loans are either charged-off or written down to net realizable value at 90 -days past due. Automobile loans and other consumer loans are charged-off at 120 -days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150 -days past due and 120 -days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150 -days past due. Impaired Loans — For all classes within the C&I and CRE portfolios, all loans with an obligor balance of $1.0 million or greater are evaluated on a quarterly basis for impairment. Except for TDRs, consumer loans within any class are generally not individually evaluated on a regular basis for impairment. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Loans acquired with evidence of deterioration in credit quality since origination for which it is probable at acquisition that all contractually required payments will not be collected are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral, less anticipated selling costs, if the loan is collateral dependent. When the present value of expected future cash flows is used, the effective interest rate is the original contractual interest rate of the loan adjusted for any cost, fee, premium, or discount. When the contractual interest rate is variable, the effective interest rate of the loan changes over time. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan’s expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve. When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts received on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full (including already charged-off portion), after which time any additional cash receipts are recognized as interest income. Cash receipts received on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired. Purchased Credit-Impaired Loans — Purchased loans with evidence of deterioration in credit quality since origination for which it is probable at acquisition that we will be unable to collect all contractually required payments are considered to be credit impaired. Purchased credit-impaired loans are initially recorded at fair value, which is estimated by discounting the cash flows expected to be collected at the acquisition date. Because the estimate of expected cash flows reflects an estimate of future credit losses expected to be incurred over the life of the loans, an allowance for credit losses is not recorded at the acquisition date. The excess of cash flows expected at acquisition over the estimated fair value, referred to as the accretable yield, is recognized in interest income over the remaining life of the loan, or pool of loans, on a level-yield basis. The difference between the contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. A subsequent decrease in the estimate of cash flows expected to be received on purchased credit-impaired loans generally results in the recognition of an allowance for credit losses. Subsequent increases in cash flows result in reversal of any nonaccretable difference (or allowance for loan and lease losses to the extent any has been recorded) with a positive impact on interest income subsequently recognized. The measurement of cash flows involves assumptions and judgments for interest rates, prepayments, default rates, loss severity, and collateral values. All of these factors are inherently subjective and significant changes in the cash flow estimates over the life of the loan can result. Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, we consider whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from us or any of our consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to us, and (iii) neither we nor our consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides us with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require us to repurchase the transferred assets at a price so favorable that it is probable that it will require us to repurchase them. If the sale criteria are met, the transferred financial assets are removed from our balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on our balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not we have surrendered control. For other transfers, such as in connection with complex transactions or where we have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. We have historically securitized certain automobile receivables. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold. Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in accrued income and other assets or accrued expenses and other liabilities, respectively) and measured at fair value. On the date a derivative contract is entered into, we designate it as either: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset liability or forecasted transaction (cash flow hedge); or • a trading instrument or a non-qualifying (economic) hedge. Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge, to the extent effective as a hedge, are recorded in accumulated other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Ineffectiveness in the hedging relationship is reflected in current period earnings. Changes in the fair val

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	12 Months Ended
	Dec. 31, 2015
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE ASU 2014-04—Receivables (Topic 310): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The ASU clarifies that an in substance repossession or foreclosure occurs upon either the creditor obtaining legal title to the residential real estate property or the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. The amendments were effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2014. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2014-09—Revenue from Contracts with Customers (Topic 606): The amendments in ASU 2014-09 supersede the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance. The general principle of the amendments require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance sets forth a five step approach to be utilized for revenue recognition. The amendments were originally effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Subsequently, the FASB issued a one-year deferral for implementation, which results in new guidance being effective for annual and interim reporting periods beginning after December 15, 2017. The FASB, however, permitted adoption of the new guidance on the original effective date. Management is currently assessing the impact on Huntington’s Consolidated Financial Statements. ASU 2014-11—Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in the ASU require repurchase-to-maturity transactions to be recorded and accounted for as secured borrowings. Amendments to Topic 860 also require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty (i.e., a repurchase financing), which will result in secured borrowing accounting for the repurchase agreement, as well as additional required disclosures. The accounting amendments and disclosures are effective for interim and annual periods beginning after December 15, 2014. The disclosures for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings are required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2014-12—Compensation—Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. The amendments require that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. Specifically, if the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Management is currently assessing the impact on Huntington’s Consolidated Financial Statements. ASU 2014-14—Receivables—Troubled Debt Restructurings by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. The amendments require a mortgage loan to be derecognized and a separate receivable to be recognized upon foreclosure if the loan has a government guarantee that is non-separable from the loan before foreclosure, the creditor has the ability and intent to convey the real estate property to the guarantor, and any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Additionally, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor upon foreclosure. The amendments were effective for annual periods and interim periods within those annual periods beginning after December 15, 2014. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-02—Consolidation (Topic 810) Amendments to the Consolidation Analysis . The amendment applies to entities in all industries and provides a new scope exception for registered money market funds and similar unregistered money market funds. It also makes targeted amendments to the current consolidation guidance and ends the deferral granted to investment companies from applying the variable interest entity accounting guidance. The amendments are effective for annual periods beginning after December 15, 2015. The amendments are not expected to have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-03—Imputation of Interest (Topic 835): Simplifying the Presentation of Debt Issuance Costs. This ASU was issued to simplify presentation of debt issuance costs. The amendments in this ASU require debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. Subsequently, the FASB issued ASU 2015-15 to amend the SEC paragraph related to debt issuance cost. The amendment applies to debt issuance costs related to a line-of-credit arrangement which may be presented as an asset. The cost related to the line-of credit should be subsequently amortized ratably over the term of the line-of-credit arrangement. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. The amendment is not expected to have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-10—Technical Corrections and Improvements. The technical corrections and improvements included in the ASU are issued in June 2015 with an objective to clarify the Accounting Standards Codification (“Codification”), correct unintended application of guidance, or make minor improvements to the Codification that are minor in nature. One of the corrections is related to disclosure of fair value for non-recurring items. The ASU requires disclosure of fair value for non-recurring items at the relevant measurement date where the fair value is not measured at the end of the reporting period. Also, for nonrecurring measurements estimated at a date during the reporting period other than the end of the reporting period, a reporting entity shall clearly indicate that the fair value information presented is not as of the period’s end as well as the date or period that the measurement was taken. The technical correction is effective upon issuance. The correction in the ASU does not have a significant impact on Huntington’s Consolidated Financial Statements. ASU 2015-16 — Simplifying the Accounting for Measurement-Period Adjustments. The amendments in this Update require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer is required to record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The amendments require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date. The Update is effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. The amendments in this Update should be applied prospectively to adjustments to provisional amounts that occur after the effective date of this Update with earlier application permitted. Management will continue to monitor the applicability of this amendment to Huntington’s Consolidated Financial Statements. ASU 2016-01 — Recognition and Measurement of Financial Assets and Financial Liabilities. The amendments in this Update make targeted improvements to GAAP including, but not limited to, requiring an entity to measure its equity investments (i.e., investment that are not accounted for using equity method of accounting or are consolidated) with changes in the fair value recognized in the income statement, requiring an entity to present separately in OCI the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments (i.e., FVO liability), requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, and eliminating some of the disclosures required by the existing GAAP while requiring entities to present and disclose some additional information. The new guidance is effective for the fiscal period beginning after December 15, 2017, including interim periods within those fiscal years. An entity may, however, choose to adopt the requirement to present separately the credit mark on FVO liability earlier at the beginning of any fiscal year if the financial statements for the fiscal year or interim periods have not been issued. An entity should apply the amendments by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendment is not expected to have a material impact on Huntington's Consolidated Financial Statements.

LOANS AND LEASES AND ALLOWANCE

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES	LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES Except for loans which are accounted for at fair value, loans are carried at the principal amount outstanding, net of unamortized premiums and discounts and deferred loan fees and costs, which resulted in a net premium of $262 million and $230 million , at December 31, 2015 and 2014 , respectively. Loan and Lease Portfolio Composition The table below summarizes the Company’s primary portfolios. For ACL purposes, these portfolios are further disaggregated into classes which are also summarized in the table below. Portfolio Class Commercial and industrial Owner occupied Purchased credit-impaired Other commercial and industrial Commercial real estate Retail properties Multi family Office Industrial and warehouse Purchased credit-impaired Other commercial real estate Automobile NA (1) Home equity Secured by first-lien Secured by junior-lien Residential mortgage Residential mortgage Purchased credit-impaired Other consumer Other consumer Purchased credit-impaired (1) Not applicable. The automobile loan portfolio is not further segregated into classes. Direct Financing Leases Huntington’s loan and lease portfolio includes lease financing receivables consisting of direct financing leases on equipment, which are included in C&I loans. Net investments in lease financing receivables by category at December 31, 2015 and 2014 were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Commercial and industrial: Lease payments receivable $ 1,551,885 $ 1,051,744 Estimated residual value of leased assets 711,181 483,407 Gross investment in commercial lease financing receivables 2,263,066 1,535,151 Net deferred origination costs 7,068 2,557 Unearned income (208,669 ) (131,027 ) Total net investment in commercial lease financing receivables $ 2,061,465 $ 1,406,681 The future lease rental payments due from customers on direct financing leases at December 31, 2015 , totaled $1.6 billion and therefore were as follows: $0.5 billion in 2016 , $0.4 billion in 2017 , $0.3 billion in 2018 , $0.2 billion in 2019 , $0.1 billion in 2020 , and $0.1 billion thereafter. Huntington Technology Finance acquisition On March 31, 2015, Huntington completed its acquisition of Macquarie Equipment Finance, which was re-branded Huntington Technology Finance. Lease receivables with a fair value of $839 million , including a lease residual value of approximately $200 million , were acquired by Huntington. These leases were recorded at fair value. The fair values of the leases were estimated using discounted cash flow analyses using interest rates currently being offered for leases with similar terms (Level 3), and reflected an estimate of credit and other risk associated with the leases. Camco Financial acquisition On March 1, 2014, Huntington completed its acquisition of Camco Financial. Loans with a fair value of $559 million were acquired by Huntington. Purchased Credit-Impaired Loans The following table presents a rollforward of the accretable yield by acquisition for the year ended December 31, 2015 and 2014 : (dollar amounts in thousands) 2015 2014 Fidelity Bank Balance at January 1, $ 19,388 $ 27,995 Accretion (11,032 ) (13,485 ) Reclassification from nonaccretable difference 7,856 4,878 Balance at December 31, $ 16,212 $ 19,388 Camco Financial Balance at January 1, $ 824 $ — Impact of acquisition on March 1, 2014 — 143 Accretion (1,380 ) (5,597 ) Reclassification from nonaccretable difference 556 6,278 Balance at December 31, $ — $ 824 The allowance for loan losses recorded on the purchased credit-impaired loan portfolio at December 31, 2015 and 2014 was $3 million and $4 million , respectively. The following table reflects the ending and unpaid balances of all contractually required payments and carrying amounts of the acquired loans by acquisition at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 (dollar amounts in thousands) Ending Unpaid Ending Unpaid Fidelity Bank Commercial and industrial $ 21,017 $ 30,676 $ 22,405 $ 33,622 Commercial real estate 13,758 55,358 36,663 87,250 Residential mortgage 1,454 2,189 1,912 3,096 Other consumer 52 101 51 123 Total $ 36,281 $ 88,324 $ 61,031 $ 124,091 Camco Financial Commercial and industrial $ — $ — $ 823 $ 1,685 Commercial real estate — — 1,708 3,826 Residential mortgage — — — — Other consumer — — — — Total $ — $ — $ 2,531 $ 5,511 Loan Purchases and Sales The following table summarizes significant portfolio loan purchase and sale activity for the years ended December 31, 2015 and 2014 . The table below excludes mortgage loans originated for sale. Commercial and Industrial Commercial Real Estate Automobile (1) Home Equity Residential Mortgage Other Consumer Total (dollar amounts in thousands) Portfolio loans purchased during the: Year ended December 31, 2015 $ 316,252 $ — $ — $ — $ 20,463 $ — $ 336,715 Year ended December 31, 2014 326,557 — — — 18,482 — 345,039 Portfolio loans sold or transferred to loans held for sale during the: Year ended December 31, 2015 380,713 — 764,540 96,786 — — 1,242,039 Year ended December 31, 2014 352,062 8,447 — — — 7,592 368,101 (1) Reflects the transfer of approximately $1.0 billion of automobile loans to loans held-for-sale at March 31, 2015, net of approximately $262 million of automobile loans transferred to loans and leases in the 2015 second quarter. NALs and Past Due Loans The following table presents NALs by loan class for the years ended December 31, 2015 and 2014 : December 31, (dollar amounts in thousands) 2015 2014 Commercial and industrial: Owner occupied $ 35,481 $ 41,285 Other commercial and industrial 139,714 30,689 Total commercial and industrial 175,195 71,974 Commercial real estate: Retail properties 7,217 21,385 Multi family 5,819 9,743 Office 10,495 7,707 Industrial and warehouse 2,202 3,928 Other commercial real estate 3,251 5,760 Total commercial real estate 28,984 48,523 Automobile 6,564 4,623 Home equity: Secured by first-lien 35,389 46,938 Secured by junior-lien 30,889 31,622 Total home equity 66,278 78,560 Residential mortgage 94,560 96,564 Other consumer — — Total nonaccrual loans $ 371,581 $ 300,244 The amount of interest that would have been recorded under the original terms for total NAL loans was $20 million , $21 million , and $23 million for 2015 , 2014 , and 2013 , respectively. The total amount of interest recorded to interest income for these loans was $10 million , $8 million , and $5 million in 2015 , 2014 , and 2013 , respectively. The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class for the years ended December 31, 2015 and 2014 (1): December 31, 2015 Past Due Total Loans 90 or more (dollar amounts in thousands) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial: Owner occupied $ 11,947 $ 3,613 $ 13,793 $ 29,353 $ 3,983,447 $ 4,012,800 $ — Purchased credit-impaired 292 1,436 5,949 7,677 13,340 21,017 5,949 (3) Other commercial and industrial 32,476 8,531 27,236 68,243 16,457,774 16,526,017 2,775 (2) Total commercial and industrial 44,715 13,580 46,978 105,273 20,454,561 20,559,834 8,724 Commercial real estate: Retail properties 1,823 195 3,637 5,655 1,501,054 1,506,709 — Multi family 961 1,137 2,691 4,789 1,073,429 1,078,218 — Office 5,022 256 3,016 8,294 886,331 894,625 — Industrial and warehouse 93 — 373 466 503,701 504,167 — Purchased credit-impaired 102 3,818 9,549 13,469 289 13,758 9,549 (3) Other commercial real estate 1,231 315 2,400 3,946 1,267,228 1,271,174 — Total commercial real estate 9,232 5,721 21,666 36,619 5,232,032 5,268,651 9,549 Automobile 69,553 14,965 7,346 91,864 9,388,814 9,480,678 7,162 Home equity: Secured by first-lien 18,349 7,576 26,304 52,229 5,139,256 5,191,485 4,499 Secured by junior-lien 18,128 9,329 29,996 57,453 3,221,544 3,278,997 4,545 Total home equity 36,477 16,905 56,300 109,682 8,360,800 8,470,482 9,044 Residential mortgage: Residential mortgage 102,670 34,298 119,354 256,322 5,740,624 5,996,946 69,917 (4) Purchased credit-impaired 103 — — 103 1,351 1,454 — Total residential mortgage 102,773 34,298 119,354 256,425 5,741,975 5,998,400 69,917 Other consumer: Other consumer 6,469 1,852 1,395 9,716 553,286 563,002 1,394 Purchased credit-impaired — — — — 52 52 — Total other consumer 6,469 1,852 1,395 9,716 553,338 563,054 1,394 Total loans and leases $ 269,219 $ 87,321 $ 253,039 $ 609,579 $ 49,731,520 $ 50,341,099 $ 105,790 December 31, 2014 Past Due Total Loans 90 or more (dollar amounts in thousands) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial: Owner occupied $ 5,232 $ 2,981 $ 18,222 $ 26,435 $ 4,228,440 $ 4,254,875 $ — Purchased credit-impaired 846 — 4,937 5,783 17,445 23,228 4,937 (3) Other commercial and industrial 15,330 1,536 9,101 25,967 14,729,076 14,755,043 — Total commercial and industrial 21,408 4,517 32,260 58,185 18,974,961 19,033,146 4,937 Commercial real estate: Retail properties 7,866 — 4,021 11,887 1,345,859 1,357,746 — Multi family 1,517 312 3,337 5,166 1,085,250 1,090,416 — Office 464 1,167 4,415 6,046 974,257 980,303 — Industrial and warehouse 688 — 2,649 3,337 510,064 513,401 — Purchased credit-impaired 89 289 18,793 19,171 19,200 38,371 18,793 (3) Other commercial real estate 847 1,281 3,966 6,094 1,211,072 1,217,166 — Total commercial real estate 11,471 3,049 37,181 51,701 5,145,702 5,197,403 18,793 Automobile 56,272 10,427 5,963 72,662 8,617,240 8,689,902 5,703 Home equity Secured by first-lien 15,036 8,085 33,014 56,135 5,072,669 5,128,804 4,471 Secured by junior-lien 22,473 12,297 33,406 68,176 3,293,935 3,362,111 7,688 Total home equity 37,509 20,382 66,420 124,311 8,366,604 8,490,915 12,159 Residential mortgage Residential mortgage 102,702 42,009 139,379 284,090 5,544,607 5,828,697 88,052 (5) Purchased credit-impaired — — — — 1,912 1,912 — Total residential mortgage 102,702 42,009 139,379 284,090 5,546,519 5,830,609 88,052 Other consumer Other consumer 5,491 1,086 837 7,414 406,286 413,700 837 Purchased credit-impaired — — — — 51 51 — Total other consumer 5,491 1,086 837 7,414 406,337 413,751 837 Total loans and leases $ 234,853 $ 81,470 $ 282,040 $ 598,363 $ 47,057,363 $ 47,655,726 $ 130,481 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include Huntington Technology Finance administrative lease delinquencies. (3) Amounts represent accruing purchased impaired loans related to acquisitions. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status. (4) Includes $56 million guaranteed by the U.S. government. (5) Includes $55 million guaranteed by the U.S. government. Allowance for Credit Losses The ACL is increased through a provision for credit losses that is charged to earnings, based on Management’s quarterly evaluation of the factors disclosed in Note 1. Significant Accounting Policies and is reduced by charge-offs, net of recoveries, and the ACL associated with securitized or sold loans. During the 2015 first quarter, we reviewed our existing commercial and consumer credit models and enhanced certain processes and methods of ACL estimation. During this review, we analyzed the loss emergence periods used for consumer receivables collectively evaluated for impairment and, as a result, extended our loss emergence periods for products within these portfolios. As part of these enhancements to our credit reserve process, we also evaluated the methods used to separately estimate economic risks inherent in our portfolios and decided to no longer utilize these separate estimation techniques. Rather, we now incorporate economic risks in our loss estimates elsewhere in our reserve calculation. The enhancements made to our credit reserve processes during the quarter allow for increased segmentation and analysis of the estimated incurred losses within our loan portfolios. The net ACL impact of these enhancements was immaterial. During the 2015 third quarter, we reviewed our existing commercial and consumer credit models and completed a periodic reassessment of certain ACL assumptions. Specifically, we updated our analysis of the loss emergence periods used for commercial receivables collectively evaluated for impairment. Based on our observed portfolio experience, we extended our loss emergence periods for the C&I portfolio and CRE portfolios. We also updated loss factors in our consumer home equity and residential mortgage portfolios based on more recently observed portfolio experience. The net ACL impact of these enhancements was immaterial. The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total Year ended December 31, 2015: ALLL balance, beginning of period $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 Loan charge-offs (79,724 ) (18,076 ) (36,489 ) (36,481 ) (15,696 ) (31,415 ) (217,881 ) Recoveries of loans previously charged-off 51,800 34,619 16,198 16,631 5,570 5,270 130,088 Provision (reduction in allowance) for loan and lease losses 39,675 (19,375 ) 38,621 12,173 5,443 12,142 88,679 Write-downs of loans sold or transferred to loans held for sale — — (2,292 ) (5,065 ) (882 ) — (8,239 ) ALLL balance, end of period $ 298,746 $ 100,007 $ 49,504 $ 83,671 $ 41,646 $ 24,269 $ 597,843 AULC balance, beginning of period $ 48,988 $ 6,041 $ — $ 1,924 $ 8 $ 3,845 $ 60,806 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 6,898 1,521 — 144 10 2,702 11,275 AULC balance, end of period $ 55,886 $ 7,562 $ — $ 2,068 $ 18 $ 6,547 $ 72,081 ACL balance, end of period $ 354,632 $ 107,569 $ 49,504 $ 85,739 $ 41,664 $ 30,816 $ 669,924 Year ended December 31, 2014: ALLL balance, beginning of period $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870 Loan charge-offs (76,654 ) (24,704 ) (31,330 ) (54,473 ) (25,946 ) (33,494 ) (246,601 ) Recoveries of loans previously charged-off 44,531 34,071 13,762 17,526 6,194 5,890 121,974 Provision (reduction in allowance) for loan and lease losses 53,317 (69,085 ) 19,981 22,229 27,386 29,254 83,082 Write-downs of loans sold or transferred to loans held for sale — — — — — (1,129 ) (1,129 ) ALLL balance, end of period $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 AULC balance, beginning of period $ 49,596 $ 9,891 $ — $ 1,763 $ 9 $ 1,640 $ 62,899 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (608 ) (3,850 ) — 161 (1 ) 2,205 (2,093 ) AULC balance, end of period $ 48,988 $ 6,041 $ — $ 1,924 $ 8 $ 3,845 $ 60,806 ACL balance, end of period $ 335,983 $ 108,880 $ 33,466 $ 98,337 $ 47,219 $ 42,117 $ 666,002 (dollar amounts in thousands) Year Ended December 31, 2013: ALLL balance, beginning of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075 Loan charge-offs (45,904 ) (69,512 ) (23,912 ) (98,184 ) (34,236 ) (34,568 ) (306,316 ) Recoveries of loans previously charged-off 29,514 44,658 13,375 15,921 7,074 7,108 117,650 Provision (reduction in allowance) for loan and lease losses 41,140 (97,958 ) 6,611 74,630 5,417 37,957 67,797 Write-downs of loans sold or transferred to loans held for sale — — — — (336 ) — (336 ) ALLL balance, end of period $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870 AULC balance, beginning of period $ 33,868 $ 4,740 $ — $ 1,356 $ 3 $ 684 $ 40,651 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 15,728 5,151 — 407 6 956 22,248 AULC balance, end of period $ 49,596 $ 9,891 $ — $ 1,763 $ 9 $ 1,640 $ 62,899 ACL balance, end of period $ 315,397 $ 172,448 $ 31,053 $ 112,894 $ 39,586 $ 39,391 $ 710,769 Credit Quality Indicators To facilitate the monitoring of credit quality for C&I and CRE loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following categories of credit grades: Pass - Higher quality loans that do not fit any of the other categories described below. OLEM - The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. Substandard - Inadequately protected loans by the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. The categories above, which are derived from standard regulatory rating definitions, are assigned upon initial approval of the loan or lease and subsequently updated as appropriate. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are also considered Classified loans. For all classes within all consumer loan portfolios, each loan is assigned a specific PD factor that is partially based on the borrower’s most recent credit bureau score, which we update quarterly. A credit bureau score is a credit score developed by Fair Isaac Corporation based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following table presents each loan and lease class by credit quality indicator for the years ended December 31, 2015 and 2014 : December 31, 2015 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial and industrial: Owner occupied $ 3,731,113 $ 114,490 $ 165,301 $ 1,896 $ 4,012,800 Purchased credit-impaired 3,051 674 15,661 1,631 21,017 Other commercial and industrial 15,523,625 284,175 714,615 3,602 16,526,017 Total commercial and industrial 19,257,789 399,339 895,577 7,129 20,559,834 Commercial real estate: Retail properties 1,473,014 10,865 22,830 — 1,506,709 Multi family 1,029,138 28,862 19,898 320 1,078,218 Office 822,824 35,350 36,011 440 894,625 Industrial and warehouse 493,402 259 10,450 56 504,167 Purchased credit-impaired 7,194 397 6,167 — 13,758 Other commercial real estate 1,240,482 4,054 25,811 827 1,271,174 Total commercial real estate $ 5,066,054 $ 79,787 $ 121,167 $ 1,643 $ 5,268,651 Credit Risk Profile by FICO Score (1) 750+ 650-749 <650 Other (2) Total Automobile $ 4,680,684 $ 3,454,585 $ 1,086,914 $ 258,495 $ 9,480,678 Home equity: Secured by first-lien 3,369,657 1,441,574 258,328 121,926 5,191,485 Secured by junior-lien 1,841,084 1,024,851 323,998 89,064 3,278,997 Total home equity 5,210,741 2,466,425 582,326 210,990 8,470,482 Residential mortgage: Residential mortgage 3,563,683 1,813,002 567,688 52,573 5,996,946 Purchased credit-impaired 381 777 296 — 1,454 Total residential mortgage 3,564,064 1,813,779 567,984 52,573 5,998,400 Other consumer: Other consumer 233,969 269,694 49,650 9,689 563,002 Purchased credit-impaired — 52 — — 52 Total other consumer $ 233,969 $ 269,746 $ 49,650 $ 9,689 $ 563,054 December 31, 2014 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial and industrial: Owner occupied $ 3,959,046 $ 117,637 $ 175,767 $ 2,425 $ 4,254,875 Purchased credit-impaired 3,915 741 14,901 3,671 23,228 Other commercial and industrial 13,925,334 386,666 440,036 3,007 14,755,043 Total commercial and industrial 17,888,295 505,044 630,704 9,103 19,033,146 Commercial real estate: Retail properties 1,279,064 10,204 67,911 567 1,357,746 Multi family 1,044,521 12,608 32,322 965 1,090,416 Office 902,474 33,107 42,578 2,144 980,303 Industrial and warehouse 487,454 7,877 17,781 289 513,401 Purchased credit-impaired 6,914 803 25,460 5,194 38,371 Other commercial real estate 1,166,293 9,635 40,019 1,219 1,217,166 Total commercial real estate $ 4,886,720 $ 74,234 $ 226,071 $ 10,378 $ 5,197,403 Credit Risk Profile by FICO Score (1) 750+ 650-749 <650 Other (2) Total Automobile $ 4,165,811 $ 3,249,141 $ 1,028,381 $ 246,569 $ 8,689,902 Home equity: Secured by first-lien 3,255,088 1,426,191 283,152 164,373 5,128,804 Secured by junior-lien 1,832,663 1,095,332 348,825 85,291 3,362,111 Total home equity 5,087,751 2,521,523 631,977 249,664 8,490,915 Residential mortgage Residential mortgage 3,285,310 1,785,137 666,562 91,688 5,828,697 Purchased credit-impaired 594 1,135 183 — 1,912 Total residential mortgage 3,285,904 1,786,272 666,745 91,688 5,830,609 Other consumer Other consumer 195,128 187,781 30,582 209 413,700 Purchased credit-impaired — 51 — — 51 Total other consumer $ 195,128 $ 187,832 $ 30,582 $ 209 $ 413,751 (1) Reflects most recent customer credit scores. (2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc. Impaired Loans For all classes within the C&I and CRE portfolios, all loans with an outstanding balance of $1 million or greater are considered for individual evaluation on a quarterly basis for impairment . Generally, consumer loans within any class are not individually evaluated on a regular basis for impairment. However, certain home equity and residential mortgage loans are measured for impairment based on the underlying collateral value. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Loans acquired with evidence of deterioration of credit quality since origination for which it is probable at acquisition that all contractually required payments will not be collected are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance for the years ended December 31, 2015 and 2014 (1): (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total ALL at December 31, 2015: Portion of ALLL balance: Attributable to purchased credit-impaired loans $ 2,602 $ — $ — $ — $ 127 $ — $ 2,729 Attributable to loans individually evaluated for impairment 19,314 8,114 1,779 16,242 16,811 176 62,436 Attributable to loans collectively evaluated for impairment 276,830 91,893 47,725 67,429 24,708 24,093 532,678 Total ALLL balance $ 298,746 $ 100,007 $ 49,504 $ 83,671 $ 41,646 $ 24,269 $ 597,843 Loan and Lease Ending Balances at December 31, 2015: Portion of loan and lease ending balance: Attributable to purchased credit-impaired loans $ 21,017 $ 13,758 $ — $ — $ 1,454 $ 52 $ 36,281 Individually evaluated for impairment 481,033 144,977 31,304 248,839 366,995 4,640 1,277,788 Collectively evaluated for impairment 20,057,784 5,109,916 9,449,374 8,221,643 5,629,951 558,362 49,027,030 Total loans and leases evaluated for impairment $ 20,559,834 $ 5,268,651 $ 9,480,678 $ 8,470,482 $ 5,998,400 $ 563,054 $ 50,341,099 Portion of ending balance of impaired loans: With allowance assigned to the loan and lease balances $ 246,249 $ 90,475 $ 31,304 $ 248,839 $ 368,449 $ 4,640 $ 989,956 With no allowance assigned to the loan and lease balances 255,801 68,260 — — — 52 324,113 Total $ 502,050 $ 158,735 $ 31,304 $ 248,839 $ 368,449 $ 4,692 $ 1,314,069 Average balance of impaired loans $ 382,051 $ 202,192 $ 30,163 $ 292,014 $ 373,573 $ 4,726 $ 1,284,719 ALLL on impaired loans 21,916 8,114 1,779 16,242 16,938 176 65,165 (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total ALLL at December 31, 2014 Portion of ALLL balance: Attributable to purchased credit-impaired loans $ 3,846 $ — $ — $ — $ 8 $ 245 $ 4,099 Attributable to loans individually evaluated for impairment 11,049 18,887 1,531 26,027 16,535 214 74,243 Attributable to loans collectively evaluated for impairment 272,100 83,952 31,935 70,386 30,668 37,813 526,854 Total ALLL balance: $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 Loan and Lease Ending Balances at December 31, 2014 Portion of loan and lease ending balances: Attributable to purchased credit-impaired loans $ 23,228 $ 38,371 $ — $ — $ 1,912 $ 51 $ 63,562 Individually evaluated for impairment 216,993 217,262 30,612 310,446 369,577 4,088 1,148,978 Collectively evaluated for impairment 18,792,925 4,941,770 8,659,290 8,180,469 5,459,120 409,612 46,443,186 Total loans and leases evaluated for impairment $ 19,033,146 $ 5,197,403 $ 8,689,902 $ 8,490,915 $ 5,830,609 $ 413,751 $ 47,655,726 Portion of ending balance: With allowance assigned to the loan and lease balances $ 202,376 $ 144,162 $ 30,612 $ 310,446 $ 371,489 $ 4,139 $ 1,063,224 With no allowance assigned to the loan and lease balances 37,845 111,471 — — — — 149,316 Total $ 240,221 $ 255,633 $ 30,612 $ 310,446 $ 371,489 $ 4,139 $ 1,212,540 Average balance of impaired loans $ 174,316 $ 511,590 $ 34,637 $ 258,881 $ 384,026 $ 2,879 $ 1,366,329 ALLL on impaired loans 14,895 18,887 1,531 26,027 16,543 459 78,342 The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for loans and leases individually evaluated for impairment and purchased credit-impaired loans for the years ended December 31, 2015 and 2014 (1), (2): Year Ended December 31, 2015 December 31, 2015 (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial: Owner occupied $ 57,832 $ 65,812 $ — $ 30,672 $ 520 Purchased credit-impaired — — — — — Other commercial and industrial 197,969 213,739 — 83,717 2,064 Total commercial and industrial 255,801 279,551 $ — 114,389 2,584 Commercial real estate: Retail properties 42,009 54,021 — 48,903 2,031 Multi family — — — — — Office 9,030 12,919 — 7,767 309 Industrial and warehouse 1,720 1,741 — 777 47 Purchased credit-impaired 13,758 55,358 — 28,168 4,707 Other commercial real estate 1,743 1,775 — 2,558 105 Total commercial real estate 68,260 125,814 — 88,173 7,199 Other consumer Other consumer — — — — — Purchased credit-impaired 52 101 — 51 17 Total other consumer $ 52 $ 101 $ — $ 51 $ 17 With an allowance recorded: Commercial and industrial: (3) Owner occupied $ 54,092 $ 62,527 $ 4,171 $ 54,785 $ 1,985 Purchased credit-impaired 21,017 30,676 2,602 21,046 7,190 Other commercial and industrial 171,140 181,000 15,143 191,831 5,935 Total commercial and industrial 246,249 274,203 21,916 267,662 15,110 Commercial real estate: (4) Retail properties 9,096 11,121 1,190 31,636 1,204 Multi family 34,349 37,208 1,593 17,043 740 Office 14,365 17,350 1,177 31,148 1,301 Industrial and warehouse 9,721 10,550 1,540 7,311 301 Purchased credit-impaired — — — — — Other commercial real estate 22,944 28,701 2,614 26,881 1,287 Total commercial real estate 90,475 104,930 8,114 114,019 4,833 Automobile 31,304 31,878 1,779 30,163 2,224 Home equity: Secured by first-lien 52,672 57,224 4,359 108,942 4,186 Secured by junior-lien 196,167 227,733 11,883 183,072 8,906 Total home equity 248,839 284,957 16,242 292,014 13,092 Residential mortgage (6): Residential mortgage 366,995 408,925 16,811 371,756 12,391 Purchased credit-impaired 1,454 2,189 127 1,817 498 Total residential mortgage 368,449 411,114 16,938 373,573 12,889 Other consumer: Other consumer 4,640 4,649 176 4,675 254 Purchased credit-impaired — — — — — Total other consumer $ 4,640 $ 4,649 $ 176 $ 4,675 $ 254 Year Ended December 31, 2014 December 31, 2014 (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial: Owner occupied $ 13,536 $ 13,536 $ — $ 5,740 $ 205 Purchased credit-impaired — — — — — Other commercial and industrial 24,309 26,858 — 7,536 375 Total commercial and industrial 37,845 40,394 — 13,276 580 Commercial real estate: Retail properties 61,915 91,627 — 53,121 2,454 Multi family — — — — — Office 1,130 3,574 — 3,709 311 Industrial and warehouse 3,447 3,506 — 5,012 248 Purchased credit-impaired 38,371 91,075 — 59,424 11,519 Other commercial real estate 6,608 6,815 — 6,598 286 Total commercial real estate 111,471 196,597 — 127,864 14,818 Automobile — — — — — Home equity: Secured by first-lien — — — — — Secured by junior-lien — — — — — Total home equity — — — — — Residential mortgage: Residential mortgage — — — — — Purchased credit-impaired — — — — — Total residential mortgage — — — — — Other consumer: Other consumer — — — — — Purchased credit-impaired — — — — — Total other consumer $ — $ — $ — $ — $ — With an allowance recorded: Commercial and industrial: (3) Owner occupied $ 44,869 $ 53,639 $ 4,220 $ 40,192 $ 1,557 Purchased credit-impaired 23,228 35,307 3,846 32,253 6,973 Other commercial and industrial 134,279 162,908 6,829 88,595 2,686 Total commercial and industrial 202,376 251,854 14,895 161,040 11,216 Commercial real estate: (4) Retail properties 37,081 38,397 3,536 63,393 1,983 Multi family 17,277 23,725 2,339 16,897 659 Office 52,953 56,268 8,399 52,831 2,381 Industrial and warehouse 8,888 10,396 720 9,092 274 Purchased credit-impaired — — — — — Other commercial real estate 27,963 33,472 3,893 241,513 1,831 Total commercial real estate 144,162 162,258 18,887 383,726 7,128 Automobile 30,612 32,483 1,531 34,637 2,637 Home equity: Secured by first-lien 145,566 157,978 8,296 126,602 5,496 Secured by junior-lien 164,880 208,118 17,731 132,279 6,379 Total home equity 310,446 366,096 26,027 258,881 11,875 Residential mortgage: (6) Residential mortgage 369,577 415,280 16,535 381,745 11,594 Purchased credit-impaired 1,912 3,096 8 2,281 574 Total residential mortgage 371,489 418,376 16,543 384,026 12,168 Other consumer: Other consumer 4,088 4,209 214 2,796 202 Purchased credit-impaired 51 123 245 83 15 Total other consumer $ 4,139 $ 4,332 $ 459 $ 2,879 $ 217 (1) These tables do not include loans fully charged-off. (2) All automobile, home equity, residential mortgage, and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR. (3) At December 31, 2015 , $91 million of the $246 million C&I loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014 , $63 million of the $202 million C&I loans with an allowance recorded were considered impaired due to their status as a TDR. (4) At December 31, 2015 , $35 million of the $90 million CRE loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014 , $27 million of the $144 million CRE loans with an allowance recorded were considered impaired due to their status as a TDR. (5) The differences between the ending balance and unpaid principal balance amounts represent partial charge-offs. (6) At December 31, 2015 , $29 million of the $368 million residential mortgage loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2014 , $24 million of the $371 million residential mortgage loans with an allowance recorded were guaranteed by the U.S. government. TDR Loans The amount of interest that would have been recorded under the original terms for total accruing TDR loan

AVAILABLE-FOR-SALE AND OTHER SE

AVAILABLE-FOR-SALE AND OTHER SECURITIES	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
AVAILABLE-FOR-SALE AND OTHER SECURITIES	AVAILABLE-FOR-SALE AND OTHER SECURITIES Contractual maturities of available-for-sale and other securities as of December 31, 2015 and 2014 were: 2015 2014 (dollar amounts in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Under 1 year $ 333,891 $ 332,980 $ 355,486 $ 355,465 After 1 year through 5 years 1,184,454 1,189,455 1,047,492 1,066,041 After 5 years through 10 years 1,648,808 1,645,759 1,517,974 1,527,195 After 10 years 5,259,855 5,263,063 6,090,688 6,086,980 Other securities: Nonmarketable equity securities 332,786 332,786 331,559 331,559 Mutual funds 10,604 10,604 16,151 16,161 Marketable equity securities 525 794 536 1,269 Total available-for-sale and other securities $ 8,770,923 $ 8,775,441 $ 9,359,886 $ 9,384,670 Other securities at December 31, 2015 and 2014 include nonmarketable equity securities of $157 million and $157 million of stock issued by the FHLB of Cincinnati, and $176 million and $175 million of Federal Reserve Bank stock, respectively. Nonmarketable equity securities are recorded at amortized cost. Other securities also include marketable equity securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses recognized in OCI by investment category at December 31, 2015 and 2014 : Unrealized (dollar amounts in thousands) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2015 U.S. Treasury $ 5,457 $ 15 $ — $ 5,472 Federal agencies: Mortgage-backed securities 4,505,318 30,078 (13,708 ) 4,521,688 Other agencies 115,076 888 (51 ) 115,913 Total U.S. Treasury, Federal agency securities 4,625,851 30,981 (13,759 ) 4,643,073 Municipal securities 2,431,943 51,558 (27,105 ) 2,456,396 Asset-backed securities 901,059 535 (40,181 ) 861,413 Corporate debt 464,207 4,824 (2,554 ) 466,477 Other securities 347,863 271 (52 ) 348,082 Total available-for-sale and other securities $ 8,770,923 $ 88,169 $ (83,651 ) $ 8,775,441 Unrealized (dollar amounts in thousands) Amortized Gross Gross Fair Value December 31, 2014 U.S. Treasury $ 5,435 $ 17 $ — $ 5,452 Federal agencies: Mortgage-backed securities 5,273,899 63,906 (15,104 ) 5,322,701 Other agencies 349,715 2,871 (1,043 ) 351,543 Total U.S. Treasury, Federal agency securities 5,629,049 66,794 (16,147 ) 5,679,696 Municipal securities 1,841,311 37,398 (10,140 ) 1,868,569 Private-label CMO 43,730 1,116 (2,920 ) 41,926 Asset-backed securities 1,014,999 2,061 (61,062 ) 955,998 Corporate debt 479,151 9,442 (2,417 ) 486,176 Other securities 351,646 743 (84 ) 352,305 Total available-for-sale and other securities $ 9,359,886 $ 117,554 $ (92,770 ) $ 9,384,670 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2015 and 2014 : Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2015 Federal agencies: Mortgage-backed securities $ 1,658,516 $ (11,341 ) $ 84,147 $ (2,367 ) $ 1,742,663 $ (13,708 ) Other agencies 37,982 (51 ) — — 37,982 (51 ) Total Federal agency securities 1,696,498 (11,392 ) 84,147 (2,367 ) 1,780,645 (13,759 ) Municipal securities 570,916 (15,992 ) 248,204 (11,113 ) 819,120 (27,105 ) Asset-backed securities 552,275 (5,791 ) 207,639 (34,390 ) 759,914 (40,181 ) Corporate debt 167,144 (1,673 ) 21,965 (881 ) 189,109 (2,554 ) Other securities 772 (28 ) 1,476 (24 ) 2,248 (52 ) Total temporarily impaired securities $ 2,987,605 $ (34,876 ) $ 563,431 $ (48,775 ) $ 3,551,036 $ (83,651 ) Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2014 Federal agencies: Mortgage-backed securities $ 501,858 $ (1,909 ) $ 527,280 $ (13,195 ) $ 1,029,138 $ (15,104 ) Other agencies 159,708 (1,020 ) 1,281 (23 ) 160,989 (1,043 ) Total Federal agency securities 661,566 (2,929 ) 528,561 (13,218 ) 1,190,127 (16,147 ) Municipal securities 568,619 (9,127 ) 96,426 (1,013 ) 665,045 (10,140 ) Private-label CMO — — 22,650 (2,920 ) 22,650 (2,920 ) Asset-backed securities 157,613 (641 ) 325,691 (60,421 ) 483,304 (61,062 ) Corporate debt 49,562 (252 ) 88,398 (2,165 ) 137,960 (2,417 ) Other securities — — 1,416 (84 ) 1,416 (84 ) Total temporarily impaired securities $ 1,437,360 $ (12,949 ) $ 1,063,142 $ (79,821 ) $ 2,500,502 $ (92,770 ) At December 31, 2015 , the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, and security repurchase agreements totaled $2.6 billion . There were no securities of a single issuer, which are not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at December 31, 2015 . The following table is a summary of realized securities gains and losses for the years ended December 31, 2015 , 2014 , and 2013 : Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Gross gains on sales of securities $ 6,730 $ 17,729 $ 2,932 Gross (losses) on sales of securities (3,546 ) (175 ) (712 ) Net gain (loss) on sales of securities $ 3,184 $ 17,554 $ 2,220 Security Impairment Huntington evaluates the available-for-sale securities portfolio on a quarterly basis for impairment. We conduct a comprehensive security-level assessment on all available-for-sale securities. Impairment would exist when the present value of the expected cash flows are not sufficient to recover the entire amortized cost basis at the balance sheet date. Under these circumstances, any impairment would be recognized in earnings. The contractual terms and/or cash flows of the investments do not permit the issuer to settle the securities at a price less than the amortized cost. Huntington does not intend to sell, nor does it believe it will be required to sell these securities until the amortized cost is recovered, which may be maturity. The highest risk segment in our investment portfolio is the trust preferred CDO securities which are in the asset-backed securities portfolio. This portfolio is in run off, and we have not purchased these types of securities since 2005. The fair values of the CDO assets have been impacted by various market conditions. The unrealized losses are primarily the result of wider liquidity spreads on asset-backed securities and the longer expected average lives of the trust-preferred CDO securities, due to changes in the expectations of when the underlying securities will be repaid. Collateralized Debt Obligations are backed by a pool of debt securities issued by financial institutions. The collateral generally consists of trust-preferred securities and subordinated debt securities issued by banks, bank holding companies, and insurance companies. Many collateral issuers have the option of deferring interest payments on their debt for up to five years. A full cash flow analysis is used to estimate fair values and assess impairment for each security within this portfolio. A third-party pricing specialist with direct industry experience in pooled-trust-preferred security evaluations is engaged to provide assistance estimating the fair value and expected cash flows on this portfolio. The full cash flow analysis is completed by evaluating the relevant credit and structural aspects of each pooled-trust-preferred security in the portfolio, including collateral performance projections for each piece of collateral in the security and terms of the security’s structure. The credit review includes an analysis of profitability, credit quality, operating efficiency, leverage, and liquidity using available financial and regulatory information for each underlying collateral issuer. The analysis also includes a review of historical industry default data, current / near term operating conditions, and the impact of macroeconomic and regulatory changes. Using the results of our analysis, we estimate appropriate default and recovery probabilities for each piece of collateral then estimate the expected cash flows for each security. The fair value of each security is obtained by discounting the expected cash flows at a market discount rate. The market discount rate is determined by reference to yields observed in the market for similarly rated collateralized debt obligations, specifically high-yield collateralized loan obligations. The relatively high market discount rate is reflective of the uncertainty of the cash flows and illiquid nature of these securities. The large differential between the fair value and amortized cost of some of the securities reflects the high market discount rate and the expectation that the majority of the cash flows will not be received until near the final maturity of the security (the final maturities range from 2032 to 2035). On December 10, 2013, the Federal Reserve, the OCC, the FDIC, the CFTC and the SEC issued final rules to implement the Volcker Rule contained in section 619 of the Dodd-Frank Act, generally to become effective on July 21, 2015. The Volcker Rule prohibits an insured depository institution and its affiliates (referred to as “banking entities”) from: (i) engaging in “proprietary trading” and (ii) investing in or sponsoring certain types of funds (“covered funds”) subject to certain limited exceptions. These prohibitions impact the ability of U.S. banking entities to provide investment management products and services that are competitive with nonbanking firms generally and with non-U.S. banking organizations in overseas markets. The rule also effectively prohibits short-term trading strategies by any U.S. banking entity if those strategies involve instruments other than those specifically permitted for trading. On January 14, 2014, the five federal agencies approved an interim final rule to permit banking entities to retain interests in certain collateralized debt obligations backed primarily by trust preferred securities from the investment prohibitions of section 619 of the Volcker Rule. Under the interim final rule, the agencies permit the retention of an interest in or sponsorship of covered funds by banking entities if certain qualifications are met. In addition, the agencies released a non-exclusive list of issuers that meet the requirements of the interim final rule. At December 31, 2015 , we had investments in eight different pools of trust preferred securities. Seven of our pools are included in the list of non-exclusive issuers. We have analyzed the ICONS pool that was not included on the list and believe that it is more likely than not that we will be able to hold the ICONS security to recovery under the final Volcker Rule regulations. The following table summarizes the relevant characteristics of our CDO securities portfolio, which are included in asset-backed securities, at December 31, 2015 and 2014 . Each security is part of a pool of issuers and supports a more senior tranche of securities except for the MM Comm III securities which are the most senior class. Collateralized Debt Obligation Securities (dollar amounts in thousands) Deal Name Par Value Amortized Cost Fair Value Unrealized Loss (2) Lowest Credit Rating (3) # of Issuers Currently Performing/ Remaining (4) Actual Deferrals and Defaults as a % of Original Collateral Expected Defaults as a % of Remaining Performing Collateral Excess Subordination (5) Alesco II (1) $ 41,646 $ 28,022 $ 25,296 $ (2,727 ) C 30/32 5 % 7 % 4 % ICONS 19,214 19,214 15,567 (3,647 ) BB 19/21 7 14 52 MM Comm III 4,684 4,475 3,682 (793 ) BB 5/8 5 6 36 Pre TSL IX (1) 5,000 3,955 3,009 (946 ) C 27/38 18 10 7 Pre TSL XI (1) 25,000 20,155 15,418 (4,737 ) C 42/55 16 9 10 Pre TSL XIII (1) 27,530 19,735 16,769 (2,966 ) C 47/56 9 10 24 Reg Diversified (1) 25,500 5,435 1,994 (3,441 ) D 23/39 33 7 — Tropic III 31,000 31,000 18,603 (12,397 ) CCC+ 30/40 19 9 40 Total at December 31, 2015 $ 179,574 $ 131,991 $ 100,338 $ (31,654 ) Total at December 31, 2014 $ 193,597 $ 139,194 $ 82,738 $ (56,456 ) (1) Security was determined to have OTTI. As such, the book value is net of recorded credit impairment. (2) The majority of securities have been in a continuous loss position for 12 months or longer. (3) For purposes of comparability, the lowest credit rating expressed is equivalent to Fitch ratings even where the lowest rating is based on another nationally recognized credit rating agency. (4) Includes both banks and/or insurance companies. (5) Excess subordination percentage represents the additional defaults in excess of both current and projected defaults that the CDO can absorb before the bond experiences credit impairment. Excess subordinated percentage is calculated by (a) determining what percentage of defaults a deal can experience before the bond has credit impairment, and (b) subtracting from this default breakage percentage both total current and expected future default percentages. For the periods ended December 31, 2015 , 2014 , and 2013 , the following table summarizes by security type, the total OTTI losses recognized in the Consolidated Statements of Income for securities evaluated for impairment as described above: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Available-for-sale and other securities: Collateralized Debt Obligations $ (2,440 ) $ — $ (1,466 ) Private label CMO — — (336 ) Total debt securities (2,440 ) — (1,802 ) Equity securities — — — Total available-for-sale and other securities $ (2,440 ) $ — $ (1,802 ) The following table rolls forward the OTTI recognized in earnings on debt securities held by Huntington for the years ended December 31, 2015 , and 2014 as follows: Year Ended December 31, (dollar amounts in thousands) 2015 2014 Balance, beginning of year $ 30,869 $ 30,869 Reductions from sales (14,941 ) — Credit losses not previously recognized — — Additional credit losses 2,440 — Balance, end of year $ 18,368 $ 30,869 To reduce asset risk weighting and credit risk in the investment portfolio, the remainder of the private-label CMO portfolio was sold in the 2015 third quarter. Huntington recognized OTTI on this portfolio in prior periods.

HELD-TO-MATURITY SECURITIES

HELD-TO-MATURITY SECURITIES	12 Months Ended
	Dec. 31, 2015
Held-to-maturity Securities [Abstract]
HELD-TO-MATURITY SECURITIES	HELD-TO-MATURITY SECURITIES These are debt securities that Huntington has the intent and ability to hold until maturity. The debt securities are carried at amortized cost and adjusted for amortization of premiums and accretion of discounts using the interest method. During 2015 , Huntington transferred $3.0 billion of federal agencies, mortgage-backed securities and other agency securities from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. At the time of the transfer, $6 million of unrealized net gains were recognized in OCI. The amounts in OCI will be recognized in earnings over the remaining life of the securities as an offset to the adjustment of yield in a manner consistent with the amortization of the premium on the same transferred securities, resulting in an immaterial impact on net income. Listed below are the contractual maturities (under 1 year, 1-5 years, 6-10 years, and over 10 years) of held-to-maturity securities at December 31, 2015 and December 31, 2014 : December 31, 2015 December 31, 2014 (dollar amounts in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Federal agencies: mortgage-backed securities: 1 year or less $ — $ — $ — $ — After 1 year through 5 years — — — — After 5 years through 10 years 25,909 25,227 24,901 24,263 After 10 years 5,506,592 5,484,407 3,136,460 3,140,194 Total Federal agencies: mortgage-backed securities 5,532,501 5,509,634 3,161,361 3,164,457 Other agencies: 1 year or less — — — — After 1 year through 5 years — — — — After 5 years through 10 years 283,960 284,907 54,010 54,843 After 10 years 336,092 334,004 156,553 155,821 Total other agencies 620,052 618,911 210,563 210,664 Total U.S. Government backed agencies 6,152,553 6,128,545 3,371,924 3,375,121 Municipal securities: 1 year or less — — — — After 1 year through 5 years — — — — After 5 years through 10 years — — — — After 10 years 7,037 6,913 7,981 7,594 Total municipal securities 7,037 6,913 7,981 7,594 Total held-to-maturity securities $ 6,159,590 $ 6,135,458 $ 3,379,905 $ 3,382,715 The following table provides amortized cost, gross unrealized gains and losses, and fair value by investment category at December 31, 2015 and 2014 : Unrealized (dollar amounts in thousands) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2015 Federal Agencies: Mortgage-backed securities $ 5,532,501 $ 14,637 $ (37,504 ) $ 5,509,634 Other agencies 620,052 1,645 (2,786 ) 618,911 Total U.S. Government backed agencies 6,152,553 16,282 (40,290 ) 6,128,545 Municipal securities 7,037 — (124 ) 6,913 Total held-to-maturity securities $ 6,159,590 $ 16,282 $ (40,414 ) $ 6,135,458 Unrealized (dollar amounts in thousands) Amortized Gross Gross Fair Value December 31, 2014 Federal Agencies: Mortgage-backed securities $ 3,161,361 $ 24,832 $ (21,736 ) $ 3,164,457 Other agencies 210,563 1,251 (1,150 ) 210,664 Total U.S. Government backed agencies 3,371,924 26,083 (22,886 ) 3,375,121 Municipal securities 7,981 — (387 ) 7,594 Total held-to-maturity securities $ 3,379,905 $ 26,083 $ (23,273 ) $ 3,382,715 The following tables provide detail on HTM securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2015 and 2014 : Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 Federal Agencies: Mortgage-backed securities $ 3,692,890 $ (25,418 ) $ 519,872 $ (12,086 ) $ 4,212,762 $ (37,504 ) Other agencies 425,410 (2,689 ) 6,647 (97 ) 432,057 (2,786 ) Total U.S. Government backed securities 4,118,300 (28,107 ) 526,519 (12,183 ) 4,644,819 (40,290 ) Municipal securities — — 6,913 (124 ) 6,913 (124 ) Total temporarily impaired securities $ 4,118,300 $ (28,107 ) $ 533,432 $ (12,307 ) $ 4,651,732 $ (40,414 ) Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2014 Federal Agencies: Mortgage-backed securities $ 707,934 $ (5,550 ) $ 622,026 $ (16,186 ) $ 1,329,960 $ (21,736 ) Other agencies 36,956 (198 ) 71,731 (952 ) 108,687 (1,150 ) Total U.S. Government backed securities 744,890 (5,748 ) 693,757 (17,138 ) 1,438,647 (22,886 ) Municipal securities 7,594 (387 ) — — 7,594 (387 ) Total temporarily impaired securities $ 752,484 $ (6,135 ) $ 693,757 $ (17,138 ) $ 1,446,241 $ (23,273 ) Security Impairment Huntington evaluates the held-to-maturity securities portfolio on a quarterly basis for impairment. Impairment would exist when the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis at the balance sheet date. Under these circumstances, any impairment would be recognized in earnings. As of December 31, 2015 and 2014 , Management evaluated held-to-maturity securities with unrealized losses for impairment and concluded no OTTI is required.

LOAN SALES AND SECURITIZATIONS

LOAN SALES AND SECURITIZATIONS	12 Months Ended
	Dec. 31, 2015
Transfers and Servicing [Abstract]
LOAN SALES AND SECURITIZATIONS	LOAN SALES AND SECURITIZATIONS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Residential mortgage loans sold with servicing retained $ 3,322,723 $ 2,330,060 $ 3,221,239 Pretax gains resulting from above loan sales (1) 83,148 57,590 102,935 (1) Recorded in mortgage banking income. The following tables summarize the changes in MSRs recorded using either the fair value method or the amortization method for the years ended December 31, 2015 and 2014 : Fair Value Method (dollar amounts in thousands) 2015 2014 Fair value, beginning of year $ 22,786 $ 34,236 Change in fair value during the period due to: Time decay (1) (1,295 ) (2,232 ) Payoffs (2) (3,031 ) (5,814 ) Changes in valuation inputs or assumptions (3) (875 ) (3,404 ) Fair value, end of year $ 17,585 $ 22,786 Weighted-average contractual life (years) 4.6 4.6 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled loan principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates and prepayment speeds. Amortization Method (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 132,812 $ 128,064 New servicing assets created 35,407 24,629 Servicing assets acquired — 3,505 Impairment recovery (charge) (2,732 ) (7,330 ) Amortization and other (22,354 ) (16,056 ) Carrying value, end of year $ 143,133 $ 132,812 Fair value, end of year $ 143,435 $ 133,049 Weighted-average contractual life (years) 5.9 5.9 MSRs do not trade in an active, open market with readily observable prices. While sales of MSRs occur, the precise terms and conditions are typically not readily available. Therefore, the fair value of MSRs is estimated using a discounted future cash flow model. The model considers portfolio characteristics, contractually specified servicing fees and assumptions related to prepayments, delinquency rates, late charges, other ancillary revenues, costs to service, and other economic factors. Changes in the assumptions used may have a significant impact on the valuation of MSRs. MSR values are very sensitive to movements in interest rates as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which can be greatly impacted by the level of prepayments. Huntington hedges the value of certain MSRs against changes in value attributable to changes in interest rates using a combination of derivative instruments and trading securities. For MSRs under the fair value method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 14.70 % $ (864 ) $ (1,653 ) 15.60 % $ (1,176 ) $ (2,248 ) Spread over forward interest rate swap rates 539 bps (559 ) (1,083 ) 546 bps (699 ) (1,355 ) For MSRs under the amortization method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 11.10 % $ (5,543 ) $ (10,648 ) 11.40 % $ (5,289 ) $ (10,164 ) Spread over forward interest rate swap rates 875 bps (4,662 ) (9,017 ) 856 bps (4,343 ) (8,403 ) Total servicing, late and other ancillary fees included in mortgage banking income was $47 million , $44 million , and $44 million for the years ended December 31, 2015 , 2014 , and 2013 , respectively. Total amortization and impairment of capitalized servicing assets included in mortgage banking income was $27 million , $24 million , and $29 million for the years ended December 31, 2015 , 2014 , and 2013 , respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $16.2 billion , $15.6 billion , and $15.2 billion at December 31, 2015 , 2014 , and 2013 , respectively. Automobile Loans and Leases The following table summarizes activity relating to automobile loans sold and/or securitized with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 (1) 2013 (1) Automobile loans securitized with servicing retained $ 750,000 — — Pretax gains resulting from above loan sales (2) 5,333 — — (1) Huntington did not sell or securitize any automobile loans in 2014 or 2013. (2) Recorded in gain on sale of loans In the 2015 second quarter, the UPB of automobile loans totaling $750 million were transferred to a trust in a securitization transaction in exchange for $780 million of net proceeds. The securitization and resulting sale of all underlying securities qualified for sale accounting. As a result of this transaction, Huntington recognized a $5 million gain which is reflected in gain on sale of loans on the Consolidated Statements of Income and recorded an $11 million servicing asset which is reflected in accrued income and other assets on the Consolidated Balance Sheets. Huntington has retained servicing responsibilities on sold automobile loans and receives annual servicing fees and other ancillary fees on the outstanding loan balances. Automobile loan servicing rights are accounted for using the amortization method. A servicing asset is established at fair value at the time of the sale. The servicing asset is then amortized against servicing income. Impairment, if any, is recognized when carrying value exceeds the fair value as determined by calculating the present value of expected net future cash flows. The primary risk characteristic for measuring servicing assets is payoff rates of the underlying loan pools. Valuation calculations rely on the predicted payoff assumption and, if actual payoff is quicker than expected, then future value would be impaired. Changes in the carrying value of automobile loan servicing rights for the years ended December 31, 2015 , and 2014 , and the fair value at the end of each period were as follows: (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 6,898 $ 17,672 New servicing assets created 11,180 — Amortization and other (9,307 ) (10,774 ) Carrying value, end of year $ 8,771 $ 6,898 Fair value, end of year $ 9,127 $ 6,948 Weighted-average contractual life (years) 3.2 2.6 A summary of key assumptions and the sensitivity of the automobile loan servicing rights value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 18.36 % $ (500 ) $ (895 ) 14.62 % $ (305 ) $ (496 ) Spread over forward interest rate swap rates 500 bps (10 ) (19 ) 500 bps (2 ) (4 ) Servicing income, net of amortization of capitalized servicing assets was $5 million , $8 million , and $10 million for the years ended December 31, 2015 , 2014 , and 2013 , respectively. The unpaid principal balance of automobile loans serviced for third parties was $0.9 billion , $0.8 billion , and $1.6 billion at December 31, 2015 , 2014 , and 2013 , respectively. Small Business Association (SBA) Portfolio The following table summarizes activity relating to SBA loans sold with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 SBA loans sold with servicing retained $ 232,848 $ 214,760 $ 178,874 Pretax gains resulting from above loan sales (1) 18,626 24,579 19,556 (1) Recorded in gain on sale of loans. Huntington has retained servicing responsibilities on sold SBA loans and receives annual servicing fees on the outstanding loan balances. SBA loan servicing rights are accounted for using the amortization method. A servicing asset is established at fair value at the time of the sale using a discounted future cash flow model. The servicing asset is then amortized against servicing income. Impairment, if any, is recognized when carrying value exceeds the fair value as determined by calculating the present value of expected net future cash flows. The following tables summarize the changes in the carrying value of the servicing asset for the years ended December 31, 2015 , and 2014 : (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 18,536 $ 16,865 New servicing assets created 8,012 7,269 Amortization and other (6,801 ) (5,598 ) Carrying value, end of year $ 19,747 $ 18,536 Fair value, end of year $ 22,649 $ 20,495 Weighted-average contractual life (years) 3.3 3.5 A summary of key assumptions and the sensitivity of the SBA loan servicing rights value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 7.60 % $ (313 ) $ (622 ) 5.60 % $ (211 ) $ (419 ) Discount rate 15.00 (610 ) (1,194 ) 15.00 (563 ) (1,102 ) Servicing income, net of amortization of capitalized servicing assets was $8 million , $7 million , and $6 million for the years ended December 31, 2015 , 2014 , and 2013 , respectively. The unpaid principal balance of SBA loans serviced for third parties was $1.0 billion , $0.9 billion and $0.9 billion at December 31, 2015 , 2014 , and 2013 , respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Business segments are based on segment leadership structure, which reflects how segment performance is monitored and assessed. We have five major business segments: Retail and Business Banking, Commercial Banking, Automobile Finance and Commercial Real Estate (AFCRE), Regional Banking and The Huntington Private Client Group (RBHPCG), and Home Lending. A Treasury / Other function includes, along with technology and operations, other unallocated assets, liabilities, revenue, and expense. All periods presented have been reclassified to conform to the current period classification. During 2014, we realigned our business segments to drive our ongoing growth and leverage the knowledge of our highly experienced team. Amounts relating to the realignment are disclosed in the table below. A rollforward of goodwill by business segment for the years ended December 31, 2015 and 2014 , is presented in the table below: Retail & Business Commercial Home Treasury/ Huntington (dollar amounts in thousands) Banking Banking AFCRE RBHPCG Lending Other Consolidated Balance, January 1, 2014 $ 286,824 $ 22,108 $ — $ 93,012 $ — $ 42,324 $ 444,268 Goodwill acquired during the period 81,273 — — — — — 81,273 Adjustments — 37,486 — (3,000 ) 3,000 (37,486 ) — Impairment — — — — (3,000 ) — (3,000 ) Balance, December 31, 2014 368,097 59,594 — 90,012 — 4,838 522,541 Goodwill acquired during the period — 155,828 — — — — 155,828 Adjustments — — — (1,500 ) — — (1,500 ) Impairment — — — — — — — Balance, December 31, 2015 $ 368,097 $ 215,422 $ — $ 88,512 $ — $ 4,838 $ 676,869 On March 31, 2015, Huntington completed its acquisition of Macquarie Equipment Finance, which was re-branded Huntington Technology Finance. As part of the transaction, Huntington recorded $156 million of goodwill and $8 million of other intangible assets. For additional information on the acquisition, see Note 23 Business Combinations. During 2015, Huntington adjusted the goodwill in the RBHPCG segment related to a sale of HASI and HAA. The amount was adjusted based on relative fair value methodology. In 2014, Huntington completed an acquisition of 24 Bank of America branches in Michigan and recorded $17 million of goodwill. The remaining $64 million of goodwill acquired during 2014 was the result of the Camco Financial acquisition, which was also completed in 2014. Goodwill is not amortized but is evaluated for impairment on an annual basis at October 1 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. As a result of the 2014 first quarter reorganization in our reported business segments, goodwill was reallocated among the business segments. Immediately following the reallocation, impairment of $3 million was recorded in the Home Lending reporting segment. No impairment was recorded in 2015 or 2013 . Also in 2014, we moved our insurance brokerage business from Treasury / Other to Commercial Banking to align with a change in management responsibilities. Amounts relating to the realignment are disclosed in the table above. At December 31, 2015 and 2014 , Huntington’s other intangible assets consisted of the following: (dollar amounts in thousands) Gross Accumulated Net December 31, 2015 Core deposit intangible $ 400,058 $ (384,606 ) $ 15,452 Customer relationship 116,094 (76,656 ) 39,438 Other 25,164 (25,076 ) 88 Total other intangible assets $ 541,316 $ (486,338 ) $ 54,978 December 31, 2014 Core deposit intangible $ 400,058 $ (366,907 ) $ 33,151 Customer relationship 107,920 (66,534 ) 41,386 Other 25,164 (25,030 ) 134 Total other intangible assets $ 533,142 $ (458,471 ) $ 74,671 The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in thousands) Amortization Expense 2016 $ 14,290 2017 12,908 2018 11,135 2019 9,825 2020 3,076

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment were comprised of the following at December 31, 2015 and 2014 : At December 31, (dollar amounts in thousands) 2015 2014 Land and land improvements $ 140,414 $ 137,702 Buildings 366,963 367,225 Leasehold improvements 246,222 235,279 Equipment 647,769 627,307 Total premises and equipment 1,401,368 1,367,513 Less accumulated depreciation and amortization (780,828 ) (751,106 ) Net premises and equipment $ 620,540 $ 616,407 Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2015 , 2014 , and 2013 were: (dollar amounts in thousands) 2015 2014 2013 Total depreciation and amortization of premises and equipment $ 85,805 $ 82,296 $ 78,601 Rental income credited to occupancy expense 12,563 11,556 12,542

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
SHORT-TERM BORROWINGS	SHORT-TERM BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2015 and 2014 : At December 31, (dollar amounts in thousands) 2015 2014 Federal funds purchased and securities sold under agreements to repurchase $ 601,272 $ 1,058,096 Federal Home Loan Bank advances — 1,325,000 Other borrowings 14,007 14,005 Total short-term borrowings $ 615,279 $ 2,397,101 Other borrowings consist of borrowings from the Treasury and other notes payable.

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2015
Debt Instruments [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in thousands) 2015 2014 The Parent Company: Senior Notes: 2.64% Huntington Bancshares Incorporated senior note due 2018 $ 400,544 $ 398,924 Subordinated Notes: Fixed 7.00% subordinated notes due 2020 328,185 330,105 Huntington Capital I Trust Preferred 1.03% junior subordinated debentures due 2027 (1) 111,816 111,816 Sky Financial Capital Trust IV 1.73% junior subordinated debentures due 2036 (3) 74,320 74,320 Sky Financial Capital Trust III 2.01% junior subordinated debentures due 2036 (3) 72,165 72,165 Huntington Capital II Trust Preferred 1.14% junior subordinated debentures due 2028 (2) 54,593 54,593 Camco Statutory Trust I 2.95% due 2037 (4) 4,212 4,181 Total notes issued by the parent 1,045,835 1,046,104 The Bank: Senior Notes: 2.24% Huntington National Bank senior note due 2018 845,016 — 2.10% Huntington National Bank senior note due 2018 750,035 — 1.75% Huntington National Bank senior note due 2018 502,822 — 2.23% Huntington National Bank senior note due 2017 502,549 499,759 2.43% Huntington National Bank senior note due 2020 500,646 — 2.97% Huntington National Bank senior note due 2020 500,489 — 1.43% Huntington National Bank senior note due 2019 500,292 499,760 1.31% Huntington National Bank senior note due 2016 498,925 497,477 1.40% Huntington National Bank senior note due 2016 349,793 349,499 0.74% Huntington National Bank senior note due 2017 (5) 250,000 250,000 5.04% Huntington National Bank medium-term notes due 2018 37,535 38,541 Subordinated Notes: 6.67% subordinated notes due 2018 136,237 140,115 5.59% subordinated notes due 2016 103,357 105,731 5.45% subordinated notes due 2019 83,833 85,783 Total notes issued by the bank 5,561,529 2,466,665 FHLB Advances: 3.46% weighted average rate, varying maturities greater than one year 7,802 758,052 Other: Huntington Technology Finance nonrecourse debt, 4.21% effective interest rate, varying maturities 301,577 — Huntington Technology Finance ABS Trust 2014 1.35% due 2020 123,577 — Huntington Technology Finance ABS Trust 2012 1.79% due 2017 27,153 — Other 141 65,141 Total other 452,448 65,141 Total long-term debt $ 7,067,614 $ 4,335,962 (1) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70% . (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.625% . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40% . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.425% . Amounts above are net of unamortized discounts and adjustments related to hedging with derivative financial instruments. The derivative instruments, principally interest rate swaps, are used to hedge the fair values of certain fixed-rate debt by converting the debt to a variable rate. See Note 18 for more information regarding such financial instruments. In November 2015, the Bank issued $850 million of senior notes at 99.88% of face value. The senior bank note issuances mature on November 6, 2018 and have a fixed coupon rate of 2.20% . The senior notes may be redeemed one month prior to maturity date at 100% of principal plus accrued and unpaid interest. In August 2015, the Bank issued $500 million of senior notes at 99.58% of face value. The senior bank note issuances mature on August 20, 2020 and have a fixed coupon rate of 2.88% . In June 2015, the Bank issued $750 million of senior notes at 99.71% of face value. The senior bank note issuances mature on June 30, 2018 and have a fixed coupon rate of 2.00% . On March 31, 2015, Huntington completed its acquisition of Huntington Technology Finance. As part of the acquisition, Huntington assumed $293 million of non-recourse debt with various financial institutions and maturity dates. The effective interest rate on the non-recourse debt is 3.20% . Huntington also assumed $255 million of debt associated with two securitizations. The securitization debt has various classes and associated maturity dates and has an effective interest rate of 1.70% . In February 2015, the Bank issued $500 million of senior notes at 99.86% of face value. The senior bank note issuances mature on February 26, 2018 and have a fixed coupon rate of 1.70% . Also, in February 2015, the Bank issued $500 million of senior notes at 99.87% of face value. The senior bank note issuances mature on April 1, 2020 and have a fixed coupon rate of 2.40% . Both senior note issuances may be redeemed one month prior to the maturity date at 100% of principal plus accrued and unpaid interest. In April 2014, the Bank issued $500 million of senior notes at 99.842% of face value. The senior note issuances mature on April 24, 2017 and have a fixed coupon rate of 1.375% . In April 2014, the Bank also issued $250 million of senior notes at 100% of face value. The senior bank note issuances mature on April 24, 2017 and have a variable coupon rate equal to the three-month LIBOR plus 0.425% . Both senior note issuances may be redeemed one month prior to their maturity date at 100% of principal plus accrued and unpaid interest. In February 2014, the Bank issued $500.0 million of senior notes at 99.842% of face value. The senior bank note issuances mature on April 1, 2019 and have a fixed coupon rate of 2.20% . The senior note issuance may be redeemed one month prior to the maturity date at 100% of principal plus accrued and unpaid interest. Long-term debt maturities for the next five years and thereafter are as follows: dollar amounts in thousands 2016 2017 2018 2019 2020 Thereafter Total The Parent Company: Senior notes $ — $ — $ 400,000 $ — $ — $ — $ 400,000 Subordinated notes — — — — 300,000 318,049 618,049 The Bank: Senior notes 850,000 750,000 2,135,000 500,000 1,000,000 — 5,235,000 Subordinated notes 103,009 — 125,539 75,716 — — 304,264 FHLB Advances — 100 1,163 348 2,458 3,921 7,990 Other 144,095 96,715 110,116 43,340 51,537 10,595 456,398 Total $ 1,097,104 $ 846,815 $ 2,771,818 $ 619,404 $ 1,353,995 $ 332,565 $ 7,021,701 These maturities are based upon the par values of the long-term debt. The terms of the long-term debt obligations contain various restrictive covenants including limitations on the acquisition of additional debt in excess of specified levels, dividend payments, and the disposition of subsidiaries. As of December 31, 2015 , Huntington was in compliance with all such covenants.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI in the three years ended December 31, 2015 , 2014 , and 2013 , were as follows: 2015 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 19,606 $ (6,933 ) $ 12,673 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (26,021 ) 9,108 (16,913 ) Less: Reclassification adjustment for net losses (gains) included in net income (3,901 ) 1,365 (2,536 ) Net change in unrealized holding gains (losses) on available-for-sale debt securities (10,316 ) 3,540 (6,776 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities (474 ) 166 (308 ) Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period 12,966 (4,538 ) 8,428 Less: Reclassification adjustment for net (gains) losses included in net income (220 ) 77 (143 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 12,746 (4,461 ) 8,285 Net change in pension and other post-retirement obligations (7,795 ) 2,728 (5,067 ) Total other comprehensive income (loss) $ (5,839 ) $ 1,973 $ (3,866 ) 2014 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 13,583 $ (4,803 ) $ 8,780 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period 86,618 (30,914 ) 55,704 Less: Reclassification adjustment for net losses (gains) included in net income (15,559 ) 5,446 (10,113 ) Net change in unrealized holding gains (losses) on available-for-sale debt securities 84,642 (30,271 ) 54,371 Net change in unrealized holding gains (losses) on available-for-sale equity securities 295 (103 ) 192 Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period 14,141 (4,949 ) 9,192 Less: Reclassification adjustment for net (gains) losses included in net income (3,971 ) 1,390 (2,581 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 10,170 (3,559 ) 6,611 Net change in pension and other post-retirement obligations (106,857 ) 37,400 (69,457 ) Total other comprehensive income (loss) $ (11,750 ) $ 3,467 $ (8,283 ) 2013 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 235 $ (82 ) $ 153 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (125,919 ) 44,191 (81,728 ) Less: Reclassification adjustment for net gains (losses) included in net income 6,211 (2,174 ) 4,037 Net change in unrealized holding gains (losses) on available-for-sale debt securities (119,473 ) 41,935 (77,538 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities 151 (53 ) 98 Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period (86,240 ) 30,184 (56,056 ) Less: Reclassification adjustment for net losses (gains) losses included in net income (15,188 ) 5,316 (9,872 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships (101,428 ) 35,500 (65,928 ) Re-measurement obligation 136,452 (47,758 ) 88,694 Defined benefit pension items (13,106 ) 4,588 (8,518 ) Net change in pension and post-retirement obligations 123,346 (43,170 ) 80,176 Total other comprehensive income (loss) $ (97,404 ) $ 34,212 $ (63,192 ) Activity in accumulated OCI for the two years ended December 31, were as follows: (dollar amounts in thousands) Unrealized gains and (losses) on debt securities (1) Unrealized gains and (losses) on equity securities Unrealized gains and (losses) on cash flow hedging derivatives Unrealized gains (losses) for pension and other post- retirement obligations Total December 31, 2013 $ (39,234 ) $ 292 $ (18,844 ) $ (156,223 ) $ (214,009 ) Other comprehensive income before reclassifications 64,484 192 9,192 — 73,868 Amounts reclassified from accumulated OCI to earnings (10,113 ) — (2,581 ) (69,457 ) (82,151 ) Period change 54,371 192 6,611 (69,457 ) (8,283 ) December 31, 2014 15,137 484 (12,233 ) (225,680 ) (222,292 ) Other comprehensive income before reclassifications (4,240 ) (308 ) 8,428 — 3,880 Amounts reclassified from accumulated OCI to earnings (2,536 ) — (143 ) (5,067 ) (7,746 ) Period change (6,776 ) (308 ) 8,285 (5,067 ) (3,866 ) December 31, 2015 $ 8,361 $ 176 $ (3,948 ) $ (230,747 ) $ (226,158 ) (1) Amount at December 31, 2015 includes $9 million of net unrealized gains on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized gains will be recognized in earnings over the remaining life of the security using the effective interest method. The following table presents the reclassification adjustments out of accumulated OCI included in net income and the impacted line items as listed on the Consolidated Statements of Income for the years ended December 31, 2015 and 2014 : Reclassifications out of accumulated OCI Accumulated OCI components Amounts reclassed from accumulated OCI Location of net gain (loss) reclassified from accumulated OCI into earnings (dollar amounts in thousands) 2015 2014 Gains (losses) on debt securities: Amortization of unrealized gains (losses) $ (144 ) $ 597 Interest income—held-to-maturity securities—taxable Realized gain (loss) on sale of securities 6,485 14,962 Noninterest income—net gains (losses) on sale of securities OTTI recorded (2,440 ) — Noninterest income—net gains (losses) on sale of securities Total before tax 3,901 15,559 Tax (expense) benefit (1,365 ) (5,446 ) Net of tax $ 2,536 $ 10,113 Gains (losses) on cash flow hedging relationships: Interest rate contracts $ 210 $ 4,064 Interest and fee income—loans and leases Interest rate contracts 10 (93 ) Noninterest expense—other income Total before tax 220 3,971 Tax (expense) benefit (77 ) (1,390 ) Net of tax $ 143 $ 2,581 Amortization of defined benefit pension and post-retirement items: Actuarial gains (losses) $ 5,827 $ 106,857 Noninterest expense—personnel costs Net periodic benefit costs 1,968 — Noninterest expense—personnel costs Total before tax 7,795 106,857 Tax (expense) benefit (2,728 ) (37,400 ) Net of tax $ 5,067 $ 69,457

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2015
Stockholders' Equity Note [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock issued and outstanding In 2008, Huntington issued 569,000 shares of 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (Series A Preferred Stock) with a liquidation preference of $1,000 per share. Each share of the Series A Preferred Stock is non-voting and may be converted at any time, at the option of the holder, into 83.668 shares of common stock of Huntington, which represents an approximate initial conversion price of $11.95 per share of common stock. Since April 15, 2013, at the option of Huntington, the Series A Preferred Stock is subject to mandatory conversion into Huntington’s common stock at the prevailing conversion rate if the closing price of Huntington’s common stock exceeds 130% of the conversion price for 20 trading days during any 30 consecutive trading-day period. At the option of the holder, one share was converted to common stock during the fourth quarter of 2015. In 2011, Huntington issued $36 million par value Floating Rate Series B Non-Cumulative Perpetual Preferred Stock with a liquidation preference of $1,000 per share (the Series B Preferred Stock) and, in certain cases, an additional amount of cash consideration, in exchange for $36 million of (1) Huntington Capital I Floating Rate Capital Securities, (2) Huntington Capital II Floating Rate Capital Securities, (3) Sky Financial Capital Trust III Floating Rate Capital Securities and (4) Sky Financial Capital Trust IV Floating Rate Capital Securities. As part of the exchange offer, Huntington issued depositary shares. Each depositary share represents a 1/40th ownership interest in a share of the Series B Preferred Stock. Each holder of a depositary share will be entitled, in proportion to the applicable fraction of a share of Series B Preferred Stock and all the related rights and preferences. Huntington will pay dividends on the Series B Preferred Stock at a floating rate equal to three-month LIBOR plus a spread of 2.70% . The preferred stock was recorded at the par amount of $36 million , with the difference between par amount of the shares and their fair value of $24 million recorded as a discount. 2015 Share Repurchase Program On March 11, 2015, Huntington announced that the Federal Reserve did not object to the proposed capital actions included in Huntington’s capital plan submitted to the Federal Reserve in January 2015. These actions included a potential repurchase of up to $366 million of common stock from the second quarter of 2015 through the second quarter of 2016. Purchases of common stock may include open market purchases, privately negotiated transactions, and accelerated repurchase programs. Huntington’s board of directors authorized a share repurchase program consistent with Huntington’s capital plan. This program replaced the previously authorized share repurchase program authorized by Huntington’s board of directors in 2014. During 2015 , Huntington repurchased a total of 23.0 million shares of common stock at a weighted average price of $10.93 . Huntington has the ability to repurchase up to $166 million of additional common stock through the second quarter of 2016 . On January 26, 2016, Huntington announced the signing of a definitive merger agreement under which Ohio-based FirstMerit Corporation, the parent company of FirstMerit Bank, will merge into Huntington in a stock and cash transaction. The transaction is expected to be completed in the 2016 third quarter, subject to the satisfaction of customary closing conditions, including regulatory approvals and the approval of the shareholders of Huntington and FirstMerit Corporation. As a result, Huntington no longer has the intent to repurchase shares under the current authorization. 2014 Share Repurchase Program During 2014 , Huntington repurchased a total of 35.7 million shares of common stock at a weighted average price of $9.37 .

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, distributions from deferred compensation plans, and the conversion of the Company’s convertible preferred stock (See Note 12 ). Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. For diluted earnings per share, net income available to common shares can be affected by the conversion of the Company’s convertible preferred stock. Where the effect of this conversion would be dilutive, net income available to common shareholders is adjusted by the associated preferred dividends and deemed dividend. The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year ended December 31, (dollar amounts in thousands, except per share amounts) 2015 2014 2013 Basic earnings per common share: Net income $ 692,957 $ 632,392 $ 641,282 Preferred stock dividends (31,873 ) (31,854 ) (31,869 ) Net income available to common shareholders $ 661,084 $ 600,538 $ 609,413 Average common shares issued and outstanding 803,412 819,917 834,205 Basic earnings per common share: $ 0.82 $ 0.73 $ 0.73 Diluted earnings per common share Net income available to common shareholders $ 661,084 $ 600,538 $ 609,413 Effect of assumed preferred stock conversion — — — Net income applicable to diluted earnings per share $ 661,084 $ 600,538 $ 609,413 Average common shares issued and outstanding 803,412 819,917 834,205 Dilutive potential common shares: Stock options and restricted stock units and awards 11,633 11,421 8,418 Shares held in deferred compensation plans 1,912 1,420 1,351 Other 172 323 — Dilutive potential common shares: 13,717 13,164 9,769 Total diluted average common shares issued and outstanding 817,129 833,081 843,974 Diluted earnings per common share $ 0.81 $ 0.72 $ 0.72 Approximately 1.6 million , 2.6 million , and 6.6 million options to purchase shares of common stock outstanding at the end of December 31, 2015 , 2014 , and 2013 , respectively, were not included in the computation of diluted earnings per share because the effect would be antidilutive.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION Huntington sponsors nonqualified and incentive share based compensation plans. These plans provide for the granting of stock options and other awards to officers, directors, and other employees. Compensation costs are included in personnel costs on the Consolidated Statements of Income. Stock options are granted at the closing market price on the date of the grant. Options granted typically vest ratably over four years or when other conditions are met. Stock options, which represented a portion of our grant values, have no intrinsic value until the stock price increases. Options granted on or after May 1, 2015 have a contractual term of ten years . All options granted on or before April 30, 2015 have a contractual term of seven years . 2015 Long-Term Incentive Plan In 2015, shareholders approved the Huntington Bancshares Incorporated 2015 Long-Term Incentive Plan (the 2015 Plan). Shares remaining under the 2012 Plan have been incorporated into the 2015 Plan and reduced the full number of shares covered by all awards. Accordingly, the total number of shares authorized for awards under the 2015 Plan is 30 million shares. At December 31, 2015 , 25 million shares from the Plan were available for future grants. Huntington issues shares to fulfill stock option exercises and restricted stock unit and award vesting from available authorized common shares. At December 31, 2015 , Huntington believes there are adequate authorized common shares to satisfy anticipated stock option exercises and restricted stock unit and award vesting in 2016 . Huntington uses the Black-Scholes option pricing model to value options in determining our share-based compensation expense. Forfeitures are estimated at the date of grant based on historical rates, and updated as necessary, and reduce the compensation expense recognized. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the date of grant. The expected dividend yield is based on the dividend rate and stock price at the date of the grant. Expected volatility is based on the estimated volatility of Huntington’s stock over the expected term of the option. The following table presents the weighted average assumptions used in the option-pricing model for options granted in the three years ended December 31, 2015 , 2014 , and 2013 : 2015 2014 2013 Assumptions Risk-free interest rate 2.13 % 1.69 % 0.79 % Expected dividend yield 2.57 2.61 2.83 Expected volatility of Huntington’s common stock 29.0 32.3 35.0 Expected option term (years) 6.5 5.0 5.5 Weighted-average grant date fair value per share $ 2.57 $ 2.13 $ 1.71 The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) 2015 2014 2013 Share-based compensation expense $ 51,415 $ 43,666 $ 37,007 Tax benefit 17,618 14,779 12,472 Huntington’s stock option activity and related information for the year ended December 31, 2015 , was as follows: (amounts in thousands, except years and per share amounts) Options Weighted- Weighted- Aggregate Outstanding at January 1, 2015 19,619 $ 6.99 Granted 1,249 10.89 Assumed — Exercised (4,269 ) 6.01 Forfeited/expired (478 ) 17.31 Outstanding at December 31, 2015 16,121 $ 7.25 3.7 $ 64,180 Expected to vest (1) 3,499 $ 9.02 6.3 $ 7,154 Exercisable at December 31, 2015 12,299 $ 6.69 2.9 $ 56,450 (1) The number of options expected to vest includes an estimate of 323 thousand shares expected to be forfeited. The aggregate intrinsic value represents the amount by which the fair value of underlying stock exceeds the “in-the-money” option exercise price. For the years ended December 31, 2015 , 2014 , and 2013 , cash received for the exercises of stock options was $26 million , $21 million and $14 million , respectively. The tax benefit realized for the tax deductions from option exercises totaled $7 million , $4 million and $2 million in 2015 , 2014 , and 2013 , respectively. The weighted-average grant date fair value of nonvested shares granted for the years ended December 31, 2015 , 2014 , and 2013 were $10.86 , $9.09 , and $7.12 , respectively. The total fair value of awards vested during the years ended December 31, 2015 , 2014 , and 2013 was $30 million , $26 million , and $14 million , respectively. As of December 31, 2015 , the total unrecognized compensation cost related to nonvested awards was $71 million with a weighted-average expense recognition period of 2.4 years . The following table presents additional information regarding options outstanding as of December 31, 2015 : (amounts in thousands, except years and per share amounts) Options Outstanding Exercisable Options Weighted- Range of Exercise Prices Shares Weighted- Average Remaining Contractual Life (Years) Weighted- Average Exercise Price Shares Weighted- Average Exercise Price $0 to $5.63 704 1.2 $ 4.30 704 $ 4.30 $5.64 to $6.02 5,666 2.6 6.02 5,666 6.02 $6.03 to $15.95 9,482 4.6 6.98 5,660 6.98 $15.96 and over 269 0.3 21.07 269 21.07 Total 16,121 3.7 $ 7.25 12,299 $ 6.69 Huntington also grants restricted stock, restricted stock units, performance share awards, and other stock-based awards. Restricted stock units and awards are issued at no cost to the recipient, and can be settled only in shares at the end of the vesting period. Restricted stock awards provide the holder with full voting rights and cash dividends during the vesting period. Restricted stock units do not provide the holder with voting rights or cash dividends during the vesting period, but do accrue a dividend equivalent that is paid upon vesting, and are subject to certain service restrictions. Performance share awards are payable contingent upon Huntington achieving certain predefined performance objectives over the three -year measurement period. The fair value of these awards is the closing market price of Huntington’s common stock on the grant date. The following table summarizes the status of Huntington’s restricted stock units and performance share awards as of December 31, 2015 , and activity for the year ended December 31, 2015 : Restricted Stock Awards Restricted Stock Units Performance Share Awards (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2015 12 $ 9.53 11,904 $ 7.79 2,579 $ 7.76 Granted — — 4,550 10.84 883 10.94 Assumed — — — — — — Vested (3 ) 9.53 (3,785 ) 7.11 (513 ) 6.77 Forfeited (2 ) 9.53 (499 ) 8.53 (56 ) 6.88 Nonvested at December 31, 2015 7 $ 9.53 12,170 $ 9.11 2,893 $ 8.99

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
BENEFIT PLANS	Huntington sponsors the Plan, a non-contributory defined benefit pension plan covering substantially all employees hired or rehired prior to January 1, 2010. The Plan, which was modified in 2013 and no longer accrues service benefits to participants, provides benefits based upon length of service and compensation levels. The funding policy of Huntington is to contribute an annual amount that is at least equal to the minimum funding requirements but not more than the amount deductible under the Internal Revenue Code. There were no required minimum contributions during 2015. During the 2013 third quarter, the board of directors approved, and management communicated, a curtailment of the Company’s pension plan effective December 31, 2013. In addition, Huntington has an unfunded defined benefit post-retirement plan that provides certain healthcare and life insurance benefits to retired employees who have attained the age of 55 and have at least 10 years of vesting service under this plan. For any employee retiring on or after January 1, 1993, post-retirement healthcare benefits are based upon the employee’s number of months of service and are limited to the actual cost of coverage. Life insurance benefits are a percentage of the employee’s base salary at the time of retirement, with a maximum of $50,000 of coverage. The employer paid portion of the post-retirement health and life insurance plan was eliminated for employees retiring on and after March 1, 2010. Eligible employees retiring on and after March 1, 2010, who elect retiree medical coverage, will pay the full cost of this coverage. Huntington will not provide any employer paid life insurance to employees retiring on and after March 1, 2010. Eligible employees will be able to convert or port their existing life insurance at their own expense under the same terms that are available to all terminated employees. On January 1, 2015, Huntington terminated the company sponsored retiree health care plan for Medicare eligible retirees and their dependents. Instead, Huntington will partner with a third-party to assist the retirees and their dependents in selecting individual policies from a variety of carriers on a private exchange. This plan amendment resulted in a measurement of the liability at the approval date. The result of the measurement was a $5 million reduction of the liability and increase in accumulated other comprehensive income. It will also result in a reduction of expense over the estimated life of plan participants. The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2015 and 2014 , and the net periodic benefit cost for the years then ended: Pension Post-Retirement 2015 2014 2015 2014 Weighted-average assumptions used to determine benefit obligations Discount rate 4.54 % 4.12 % 3.81 % 3.72 % Rate of compensation increase N/A N/A N/A N/A Weighted-average assumptions used to determine net periodic benefit cost Discount rate (1)(2)(3) 4.12 4.89 3.73 4.11 Expected return on plan assets 7.00 7.25 N/A N/A Rate of compensation increase N/A N/A N/A N/A N/A—Not Applicable (1) The 2014 post-retirement benefit expense was remeasured as of July 31, 2014. The discount rate was 4.27% from January 1, 2014 to July 31, 2014, and was changed to 3.89% for the period from July 31, 2014 to December 31, 2014. (2) The 2015 post-retirement benefit expense was remeasured as of September 30, 2015. The discount rate was 3.72% from January 1, 2015 to September 30, 2015, and was changed to 3.77% for the period from September 30, 2015 to December 31, 2015. The expected long-term rate of return on plan assets is an assumption reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The expected long-term rate of return is established at the beginning of the plan year based upon historical returns and projected returns on the underlying mix of invested assets. The following table reconciles the beginning and ending balances of the benefit obligation of the Plan and the post-retirement benefit plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits Post-Retirement Benefits (dollar amounts in thousands) 2015 2014 2015 2014 Projected benefit obligation at beginning of measurement year $ 799,594 $ 684,999 $ 15,963 $ 25,669 Changes due to: Service cost 1,830 1,740 — — Interest cost 31,937 32,398 506 856 Benefits paid (17,246 ) (16,221 ) (2,211 ) (3,401 ) Settlements (27,976 ) (27,045 ) (6,993 ) — Plan amendments — — — (8,782 ) Plan curtailments — — — — Medicare subsidies — — 117 462 Actuarial assumptions and gains and losses (1) (33,425 ) 123,723 643 1,159 Total changes (44,880 ) 114,595 (7,938 ) (9,706 ) Projected benefit obligation at end of measurement year $ 754,714 $ 799,594 $ 8,025 $ 15,963 (1) The 2014 actuarial assumptions include revised mortality tables. Benefits paid for post-retirement are net of retiree contributions collected by Huntington. The actual contributions received in 2015 and 2014 by Huntington for the retiree medical program were less than $1 million and $3 million , respectively. The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2015 and 2014 measurement dates: Pension Benefits (dollar amounts in thousands) 2015 2014 Fair value of plan assets at beginning of measurement year $ 653,013 $ 649,020 Changes due to: Actual return on plan assets (16,122 ) 44,312 Settlements (25,428 ) (24,098 ) Benefits paid (17,246 ) (16,221 ) Total changes (58,796 ) 3,993 Fair value of plan assets at end of measurement year $ 594,217 $ 653,013 Huntington’s accumulated benefit obligation under the Plan was $755 million and $800 million at December 31, 2015 and 2014 . As of December 31, 2015 , the accumulated benefit obligation exceeded the fair value of Huntington’s plan assets by $160 million and is recorded in accrued expenses and other liabilities. The projected benefit obligation exceeded the fair value of Huntington’s plan assets by $160 million . The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2015 : Pension Benefits Post-Retirement Benefits (dollar amounts in thousands) 2015 2014 2013 2015 2014 2013 Service cost $ 1,830 $ 1,740 $ 25,122 $ — $ — $ — Interest cost 31,937 32,398 30,112 506 856 862 Expected return on plan assets (44,175 ) (45,783 ) (47,716 ) — — — Amortization of prior service cost — — (2,883 ) (1,968 ) (1,609 ) (1,353 ) Amortization of loss 7,934 5,767 23,044 (401 ) (571 ) (600 ) Curtailment — — (34,613 ) — — — Settlements 12,645 11,200 8,116 (3,090 ) — — Benefit costs $ 10,171 $ 5,322 $ 1,182 $ (4,953 ) $ (1,324 ) $ (1,091 ) Included in benefit costs are $4 million , $2 million , and $2 million of plan expenses that were recognized in the three years ended December 31, 2015 , 2014 , and 2013 . It is Huntington’s policy to recognize settlement gains and losses as incurred. Assuming no cash contributions are made to the Plan during 2016, Management expects net periodic pension benefit, excluding any expense of settlements, to approximate $2 million for 2016. The postretirement medical and life subsidy was eliminated for anyone who retires on or after March 1, 2010. As such, there were no incremental net periodic post-retirement benefits costs associated with this plan. The estimated transition obligation, prior service credit, and net actuarial loss for the plans that will be amortized from OCI into net periodic benefit cost over the next fiscal year is zero , $2 million , and a $8 million benefit, respectively. At December 31, 2015 and 2014 , The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of corporate and government fixed income investments, money market funds, and Huntington mutual funds as follows: Fair Value (dollar amounts in thousands) 2015 2014 Cash equivalents: Federated-money market $ 15,590 3 % $ — — % Huntington funds—money market — — 16,136 2 Fixed income: Corporate obligations 205,081 34 218,077 33 U.S. Government Obligations 64,456 11 62,627 10 Mutual funds-fixed income 32,874 6 34,761 5 U.S. Government Agencies 6,979 1 7,445 1 Equities: Mutual funds-equities 136,026 23 147,191 23 Other common stock 120,046 20 118,970 18 Huntington funds — — 37,920 6 Exchange Traded Funds 6,530 1 6,840 1 Limited Partnerships 6,635 1 3,046 1 Fair value of plan assets $ 594,217 100 % $ 653,013 100 % Investments of the Plan are accounted for at cost on the trade date and are reported at fair value. The valuation methodologies used to measure the fair value of pension plan assets vary depending on the type of asset. For an explanation of the fair value hierarchy, refer to Note 1 “Significant Accounting Policies” under the heading “Fair Value Measurements”. At December 31, 2015, equities and money market funds are classified as Level 1; mutual funds-fixed income, corporate obligations, U.S. government obligations, and U.S. government agencies are classified as Level 2; and limited partnerships are classified as Level 3. In general, investments of the Plan are exposed to various risks such as interest rate risk, credit risk, and overall market volatility. Due to the level of risk associated with certain investments, it is reasonably possible changes in the values of investments will occur in the near term and such changes could materially affect the amounts reported in the Plan assets. The investment objective of the Plan is to maximize the return on Plan assets over a long-time period, while meeting the Plan obligations. At December 31, 2015 , Plan assets were invested 3% in cash and cash equivalents, 45% in equity investments, and 52% in bonds, with an average duration of 12.2 years on bond investments. The estimated life of benefit obligations was 11.9 years . Although it may fluctuate with market conditions, Management has targeted a long-term allocation of Plan assets of 20% to 50% in equity investments and 80% to 50% in bond investments. The allocation of Plan assets between equity investments and fixed income investments will change from time to time with the allocation to fixed income investments increasing as the funding level increases. The following table shows the number of shares and dividends received on shares of Huntington stock held by the Plan: December 31, (dollar amounts in thousands, except share amounts) 2015 2014 Dividends received on shares of Huntington stock $ — $ 267 At December 31, 2015, the following table shows when benefit payments were expected to be paid: (dollar amounts in thousands) Pension Benefits Post- Retirement Benefits 2016 $ 51,333 $ 986 2017 50,323 823 2018 48,457 743 2019 47,435 686 2020 46,629 644 2021 through 2025 221,569 2,738 Although not required, a cash contribution can be made to the Plan up to the maximum deductible limit in the plan year. Anticipated contributions for 2016 to the post-retirement benefit plan are zero . The 2016 healthcare cost trend rate is projected to be 7.0% for participants. This rate is assumed to decrease gradually until it reaches 4.5% in the year 2028 and remain at that level thereafter. Huntington updated the immediate healthcare cost trend rate assumption based on current market data and Huntington’s claims experience. This trend rate is expected to decline over time to a trend level consistent with medical inflation and long-term economic assumptions. Huntington also sponsors other nonqualified retirement plans, the most significant being the SERP and the SRIP. The SERP provides certain former officers and directors, and the SRIP provides certain current and former officers and directors of Huntington and its subsidiaries with defined pension benefits in excess of limits imposed by federal tax law. At December 31, 2015 and 2014 , Huntington has an accrued pension liability of $34 million and $35 million , respectively, associated with these plans. Pension expense for the plans was $1 million , $1 million , and $4 million in 2015 , 2014 , and 2013 , respectively. During the 2013 third quarter, the board of directors approved, and management communicated, a curtailment of the Company’s SRIP plan effective December 31, 2013. The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2015 and 2014 , for all of Huntington's defined benefit plans: (dollar amounts in thousands) 2015 2014 Accrued expenses and other liabilities (1) $ 192,734 $ 198,947 (1) A current liability of $2 million is included in the amounts above at December 31, 2015 and 2014; the remaining amount is classified as a noncurrent liability. The following tables present the amounts recognized in OCI as of December 31, 2015 , 2014 , and 2013 , and the changes in accumulated OCI for the years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) 2015 2014 2013 Net actuarial loss $ (243,984 ) $ (240,197 ) $ (166,078 ) Prior service cost 13,237 14,517 9,855 Defined benefit pension plans $ (230,747 ) $ (225,680 ) $ (156,223 ) 2015 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (347,202 ) $ 121,522 $ (225,680 ) Net actuarial (loss) gain: Amounts arising during the year (25,520 ) 8,931 (16,589 ) Amortization included in net periodic benefit costs 19,693 (6,892 ) 12,801 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (1,968 ) 689 (1,279 ) Balance, end of year $ (354,997 ) $ 124,250 $ (230,747 ) 2014 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (240,345 ) $ 84,122 $ (156,223 ) Net actuarial (loss) gain: Amounts arising during the year (133,085 ) 46,580 (86,505 ) Amortization included in net periodic benefit costs 19,056 (6,670 ) 12,386 Prior service cost: Amounts arising during the year 8,781 (3,073 ) 5,708 Amortization included in net periodic benefit costs (1,609 ) 563 (1,046 ) Balance, end of year $ (347,202 ) $ 121,522 $ (225,680 ) 2013 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (363,691 ) $ 127,292 $ (236,399 ) Net actuarial (loss) gain: Amounts arising during the year 118,666 (41,532 ) 77,134 Amortization included in net periodic benefit costs 29,194 (10,218 ) 18,976 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (24,514 ) 8,580 (15,934 ) Balance, end of year $ (240,345 ) $ 84,122 $ (156,223 ) Huntington has a defined contribution plan that is available to eligible employees. Huntington matches participant contributions, up to the first 4% of base pay contributed to the Plan. For 2014 and 2015, a discretionary profit-sharing contribution equal to 1% of eligible participants’ annual base pay was awarded. The following table shows the costs of providing the defined contribution plan: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Defined contribution plan $ 31,896 $ 31,110 $ 18,238 The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in thousands, except share amounts) 2015 2014 Shares in Huntington common stock 13,076,164 12,883,333 Market value of Huntington common stock $ 144,622 $ 135,533 Dividends received on shares of Huntington stock 3,076 2,694

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state, city, and foreign jurisdictions. Federal income tax audits have been completed through 2009. The IRS is currently examining our 2010 and 2011 consolidated federal income tax returns. Various state and other jurisdictions remain open to examination, including Ohio, Kentucky, Indiana, Michigan, Pennsylvania, West Virginia, and Illinois. Huntington accounts for uncertainties in income taxes in accordance with ASC 740, Income Taxes. At December 31, 2015 , Huntington had gross unrecognized tax benefits of $23 million in income tax liability related to uncertain tax positions. Due to the complexities of some of these uncertainties, the ultimate resolution may result in a payment that is materially different from the current estimate of the tax liabilities. Huntington does not anticipate the total amount of gross unrecognized tax benefits to significantly change within the next 12 months. The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in thousands) 2015 2014 Unrecognized tax benefits at beginning of year $ 1,172 $ 704 Gross increases for tax positions taken during current period 23,104 — Gross increases for tax positions taken during prior years — 468 Gross decreases for tax positions taken during prior years (1,172 ) — Unrecognized tax benefits at end of year $ 23,104 $ 1,172 Any interest and penalties on income tax assessments or income tax refunds are recognized in the Consolidated Statements of Income as a component of provision for income taxes. Huntington recognized, $0.1 million of interest benefit, $0.1 million of interest expense, and $0.2 million of interest benefit for the years ended December 31, 2015 , 2014 and 2013 , respectively. Total interest accrued was $0.1 million and $0.2 million at December 31, 2015 and 2014 , respectively. All of the gross unrecognized tax benefits would impact the Company’s effective tax rate if recognized. The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Current tax provision (benefit) Federal $ 146,195 $ 186,436 $ 117,174 State 5,677 (1,017 ) 4,278 Total current tax provision (benefit) 151,872 185,419 121,452 Deferred tax provision (benefit) Federal 66,823 41,167 112,681 State 1,953 (5,993 ) (6,659 ) Total deferred tax provision (benefit) 68,776 35,174 106,022 Provision for income taxes $ 220,648 $ 220,593 $ 227,474 The following is a reconcilement of provision for income taxes: Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Provision for income taxes computed at the statutory rate $ 319,762 $ 298,545 $ 304,065 Increases (decreases): Tax-exempt income (20,839 ) (17,971 ) (34,378 ) Tax-exempt bank owned life insurance income (18,340 ) (19,967 ) (19,747 ) General business credits (47,894 ) (46,047 ) (39,868 ) State deferred tax asset valuation allowance adjustment, net — (7,430 ) (6,020 ) Capital loss (46,288 ) (26,948 ) (961 ) Affordable housing investment amortization, net of tax benefits 31,741 33,752 16,851 State income taxes, net 4,960 2,873 4,472 Other (2,454 ) 3,786 3,060 Provision for income taxes $ 220,648 $ 220,593 $ 227,474 The significant components of deferred tax assets and liabilities at December 31, were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Deferred tax assets: Allowances for credit losses $ 238,415 $ 233,656 Fair value adjustments 121,642 119,512 Net operating and other loss carryforward 61,492 161,548 Accrued expense/prepaid 44,733 48,656 Purchase accounting adjustments 41,917 13,839 Partnership investments 21,614 24,123 Market discount 11,781 12,215 Pension and other employee benefits 2,405 — Tax credit carryforward 1,823 30,825 Other 11,645 9,477 Total deferred tax assets 557,467 653,851 Deferred tax liabilities: Lease financing 261,078 202,298 Loan origination costs 114,488 103,025 Mortgage servicing rights 48,514 47,748 Operating assets 46,685 50,266 Securities adjustments 19,952 27,856 Purchase accounting adjustments 6,944 17,299 Pension and other employee benefits — 9,677 Other 5,463 5,178 Total deferred tax liabilities 503,124 463,347 Net deferred tax asset before valuation allowance 54,343 190,504 Valuation allowance (3,620 ) (73,057 ) Net deferred tax asset $ 50,723 $ 117,447 At December 31, 2015 , Huntington’s net deferred tax asset related to loss and other carryforwards was $63 million . This was comprised of federal net operating loss carryforwards of $3 million , which will begin expiring in 2023 , $45 million of state net operating loss carryforwards, which will begin expiring in 2016 , an alternative minimum tax credit carryforward of $1 million , which may be carried forward indefinitely, a general business credit carryforward of $1 million , which will begin expiring in 2031 , and a capital loss carryforward of $13 million , which expires in 2018 . In prior periods, Huntington established a valuation allowance against deferred tax assets for federal capital loss carryforwards, state deferred tax assets, and state net operating loss carryforwards. The federal valuation allowance was based on the uncertainty of forecasted federal taxable income expected of the required character in order to utilize the capital loss carryforward. The state valuation allowance was based on the uncertainty of forecasted state taxable income expected in applicable jurisdictions in order to utilize the state deferred tax assets and state net operating loss carryforwards. Based on current analysis of both positive and negative evidence and projected forecasted taxable income of the appropriate character and/or within applicable jurisdictions, the Company believes that it is more likely than not the federal capital loss carryforward, and portions of the state deferred tax assets and state net operating loss carryforwards will be realized. As a result of this analysis, there is no federal capital loss carryforward valuation allowance remaining at December 31, 2015 compared to $69 million at December 31, 2014, and the state valuation allowance of $4 million at December 31, 2015 was essentially unchanged compared to $4 million at December 31, 2014. At December 31, 2015 retained earnings included approximately $12 million of base year reserves of acquired thrift institutions, for which no deferred federal income tax liability has been recognized. Under current law, if these bad debt reserves are used for purposes other than to absorb bad debt losses, they will be subject to federal income tax at the current corporate rate. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $4 million at December 31, 2015 .

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Mortgage loans held for sale Huntington has elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale. Mortgage loans held for sale are classified as Level 2 and are estimated using security prices for similar product types. Mortgage loans held for investment Mortgages are loans originated with the intent to sell and are measured at fair value with adjustments recognized through the Consolidated Statements of Income. During the year, certain mortgage loans have been reclassified to mortgage loans held for investment. These loans continue to be measured at fair value. The fair value is determined using fair value of mortgage-backed securities adjusted for loan specific variables. Available-for-sale securities and trading account securities Securities accounted for at fair value include both the available-for-sale and trading portfolios. Huntington uses prices obtained from third-party pricing services and recent trades to determine the fair value of securities. AFS and trading securities are classified as Level 1 using quoted market prices (unadjusted) in active markets for identical securities that Huntington has the ability to access at the measurement date. Less than 1% of the positions in these portfolios are Level 1, and consist of U.S. Treasury securities and money market mutual funds. When quoted market prices are not available, fair values are classified as Level 2 using quoted prices for similar assets in active markets, quoted prices of identical or similar assets in markets that are not active, and inputs that are observable for the asset, either directly or indirectly, for substantially the full term of the financial instrument. 74% of the positions in these portfolios are Level 2, and consist of U.S. Government and agency debt securities, agency mortgage backed securities, asset-backed securities, municipal securities and other securities. For Level 2 securities management uses various methods and techniques to corroborate prices obtained from the pricing service, including references to dealer or other market quotes, and by reviewing valuations of comparable instruments. If relevant market prices are limited or unavailable, valuations may require significant management judgment or estimation to determine fair value, in which case the fair values are classified as Level 3. 26% of our positions are Level 3, and consist of private-label CMO securities, CDO-preferred securities and municipal securities. A significant change in the unobservable inputs for these securities may result in a significant change in the ending fair value measurement of these securities. The municipal securities portion that is classified as Level 3 uses significant estimates to determine the fair value of these securities which results in greater subjectivity. The fair value is determined by utilizing third-party valuation services. The third-party service provider reviews credit worthiness, prevailing market rates, analysis of similar securities, and projected cash flows. The third-party service provider also incorporates industry and general economic conditions into their analysis. Huntington evaluates the analysis provided for reasonableness. The private label CMO and CDO-preferred securities portfolios are classified as Level 3 and as such use significant estimates to determine the fair value of these securities which results in greater subjectivity. The private label CMO securities portfolios are subjected to a monthly review of the projected cash flows, while the cash flows of the CDO-preferred securities portfolio are reviewed quarterly. These reviews are supported with analysis from independent third parties, and are used as a basis for impairment analysis. Private-label CMO securities are collateralized by first-lien residential mortgage loans. The securities valuation methodology incorporates values obtained from a third-party pricing specialist using a discounted cash flow approach and a proprietary pricing model and includes assumptions management believes market participants would use to value the securities under current market conditions. The model uses inputs such as estimated prepayment speeds, losses, recoveries, default rates that are implied by the underlying performance of collateral in the structure or similar structures, house price depreciation / appreciation rates that are based upon macroeconomic forecasts and discount rates that are implied by market prices for similar securities with similar collateral structures. The Private-label CMO securities were sold during the 2015 third quarter. CDO-preferred securities are CDOs backed by a pool of debt securities issued by financial institutions. The collateral generally consists of trust-preferred securities and subordinated debt securities issued by banks, bank holding companies, and insurance companies. A cash flow analysis is used to estimate fair values and assess impairment for each security within this portfolio. We engage a third-party pricing specialist with direct industry experience in CDO-preferred securities valuations to provide assistance in estimating the fair value and expected cash flows for each security in this portfolio. The PD of each issuer and the market discount rate are the most significant inputs in determining fair value. Management evaluates the PD assumptions provided by the third-party pricing specialist by comparing the current PD to the assumptions used the previous quarter, actual defaults and deferrals in the current period, and trend data on certain financial ratios of the issuers. Huntington also evaluates the assumptions related to discount rates. Relying on cash flows is necessary because there was a lack of observable transactions in the market and many of the original sponsors or dealers for these securities are no longer able to provide a fair value. Automobile loans Effective January 1, 2010, Huntington consolidated an automobile loan securitization that previously had been accounted for as an off-balance sheet transaction. As a result, Huntington elected to account for these automobile loan receivables at fair value per guidance supplied in ASC 825. The automobile loan receivables are classified as Level 3. The key assumptions used to determine the fair value of the automobile loan receivables included projections of expected losses and prepayment of the underlying loans in the portfolio and a market assumption of interest rate spreads. Certain interest rates are available from similarly traded securities while other interest rates are developed internally based on similar asset-backed security transactions in the market. During the first quarter of 2014, Huntington canceled the 2009 and 2006 Automobile Trusts. Huntington continues to report the associated automobile loan receivables at fair value due to its 2010 election. MSRs MSRs do not trade in an active market with readily observable prices. Accordingly, the fair value of these assets is classified as Level 3. Huntington determines the fair value of MSRs using an income approach model based upon our month-end interest rate curve and prepayment assumptions. The model utilizes assumptions to estimate future net servicing income cash flows, including estimates of time decay, payoffs, and changes in valuation inputs and assumptions. Servicing brokers and other sources of information (e.g. discussion with other mortgage servicers and industry surveys) are used to obtain information on market practice and assumptions. On at least a quarterly basis, third-party marks are obtained from at least one servicing broker. Huntington reviews the valuation assumptions against this market data for reasonableness and adjusts the assumptions if deemed appropriate. Any recommended change in assumptions and/or inputs are presented for review to the Mortgage Price Risk Subcommittee for final approval. Derivative assets and liabilities Derivatives classified as Level 2 consist of foreign exchange and commodity contracts, which are valued using exchange traded swaps and futures market data. In addition, Level 2 includes interest rate contracts, which are valued using a discounted cash flow method that incorporates current market interest rates. Level 2 also includes exchange traded options and forward commitments to deliver mortgage-backed securities, which are valued using quoted prices. Derivatives classified as Level 3 consist of interest rate lock agreements related to mortgage loan commitments. The determination of fair value includes assumptions related to the likelihood that a commitment will ultimately result in a closed loan, which is a significant unobservable assumption. A significant increase or decrease in the external market price would result in a significantly higher or lower fair value measurement. Short-term borrowings Short-term borrowings classified as Level 2 consist primarily of U.S. treasury bond securities sold under agreement to repurchase. These securities are borrowed from other institutions and must be repaid by purchasing the securities in the open market. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at December 31, 2015 and 2014 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2015 (dollar amounts in thousands) Level 1 Level 2 Level 3 Assets Loans held for sale $ — $ 337,577 $ — $ — $ 337,577 Loans held for investment — 32,889 — — 32,889 Trading account securities: Municipal securities — 4,159 — — 4,159 Other securities 32,475 363 — — 32,838 32,475 4,522 — — 36,997 Available-for-sale and other securities: U.S. Treasury securities 5,472 — — — 5,472 Federal agencies: Mortgage-backed — 4,521,688 — — 4,521,688 Federal agencies: Other agencies — 115,913 — — 115,913 Municipal securities — 360,845 2,095,551 — 2,456,396 Asset-backed securities — 761,076 100,337 — 861,413 Corporate debt — 466,477 — — 466,477 Other securities 11,397 3,899 — — 15,296 16,869 6,229,898 2,195,888 — 8,442,655 Automobile loans — — 1,748 — 1,748 MSRs — — 17,585 — 17,585 Derivative assets — 429,448 6,721 (161,297 ) 274,872 Liabilities Derivative liabilities — 287,994 665 (144,309 ) 144,350 Short-term borrowings — 1,770 — — 1,770 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2014 (dollar amounts in thousands) Level 1 Level 2 Level 3 Assets Loans held for sale $ — $ 354,888 $ — $ — $ 354,888 Loans held for investment — 40,027 — — 40,027 Trading account securities: Federal agencies: Other agencies — 2,857 — — 2,857 Municipal securities — 5,098 — — 5,098 Other securities 33,121 1,115 — — 34,236 33,121 9,070 — — 42,191 Available-for-sale and other securities: U.S. Treasury securities 5,452 — — — 5,452 Federal agencies: Mortgage-backed — 5,322,701 — — 5,322,701 Federal agencies: Other agencies — 351,543 — — 351,543 Municipal securities — 450,976 1,417,593 — 1,868,569 Private-label CMO — 11,462 30,464 — 41,926 Asset-backed securities — 873,260 82,738 — 955,998 Corporate debt — 486,176 — — 486,176 Other securities 17,430 3,316 — — 20,746 22,882 7,499,434 1,530,795 — 9,053,111 Automobile loans — — 10,590 — 10,590 MSRs — — 22,786 — 22,786 Derivative assets — 449,775 4,064 (101,197 ) 352,642 Liabilities Derivative liabilities — 335,524 704 (51,973 ) 284,255 Short-term borrowings — 2,295 — — 2,295 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The tables below present a rollforward of the balance sheet amounts for the years ended December 31, 2015 , 2014 , and 2013 for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Transfers into Level 3 — — — — — — Transfers out of Level 3 (1) — (2,793 ) — — — — Total gains/losses for the period: Included in earnings (5,201 ) 5,489 149 47 (2,400 ) (497 ) Included in OCI — — (3,652 ) 1,832 24,802 — Purchases/originations — — 1,002,153 — — — Sales — — (9,656 ) (30,077 ) — — Repayments — — — — — (8,345 ) Issues — — — — — — Settlements — — (311,036 ) (2,266 ) (4,803 ) — Closing balance $ 17,585 $ 6,056 $ 2,095,551 $ — $ 100,337 $ 1,748 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (5,201 ) $ 5,489 $ — $ — $ (2,440 ) $ (497 ) (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is transferred to loans held for sale, which is classified as Level 2. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Transfers into Level 3 — — — — — — Transfers out of Level 3 — — — — — — Total gains/losses for the period: Included in earnings (11,450 ) 3,047 — 36 226 (918 ) Included in OCI — — 14,776 452 21,839 — Purchases/originations — — 1,038,348 — — — Sales — — — — (22,870 ) — Repayments — — — — — (40,778 ) Issues — — — — — — Settlements — (2,077 ) (290,068 ) (2,164 ) (23,876 ) — Closing balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (11,450 ) $ 3,047 $ 14,776 $ 452 $ 21,137 $ (1,624 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Automobile loans Balance, beginning of year $ 35,202 $ 12,702 $ 61,228 $ 48,775 $ 110,037 $ 142,762 Total gains / losses: Included in earnings (966 ) (5,944 ) 2,129 (180 ) (2,244 ) (358 ) Included in OCI — — 9,075 1,703 35,139 — Other (1) — — 600,435 — — — Sales — — — (10,254 ) (16,711 ) — Repayments — — — — — (90,118 ) Settlements — (4,368 ) (18,330 ) (7,904 ) (18,802 ) — Balance, end of year $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (966 ) $ (5,944 ) $ 9,075 $ 1,703 $ 35,139 $ (358 ) (1) Effective December 31, 2013 approximately $600 million of direct purchase municipal instruments were reclassified from C&I loans to available-for-sale securities. The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2015 , 2014 , and 2013 : Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income $ (5,201 ) $ 5,489 $ — $ — $ — $ — Securities gains (losses) — — 149 — (2,440 ) — Interest and fee income — — — 47 40 (497 ) Noninterest income — — — — — — Total $ (5,201 ) $ 5,489 $ 149 $ 47 $ (2,400 ) $ (497 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income $ (11,450 ) $ 3,047 $ — $ — $ — $ — Securities gains (losses) — — — — 170 — Interest and fee income — — — 36 56 (1,032 ) Noninterest income — — — — — 114 Total $ (11,450 ) $ 3,047 $ — $ 36 $ 226 $ (918 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income (loss) $ (966 ) $ (5,944 ) $ — $ — $ — $ — Securities gains (losses) — — — (336 ) (1,466 ) — Interest and fee income — — 2,129 156 (778 ) (3,569 ) Noninterest income — — — — — 3,211 Total $ (966 ) $ (5,944 ) $ 2,129 $ (180 ) $ (2,244 ) $ (358 ) Assets and liabilities under the fair value option The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: December 31, 2015 December 31, 2014 (dollar amounts in thousands) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 337,577 $ 326,802 $ 10,775 $ 354,888 $ 340,070 $ 14,818 Loans held for investment 32,889 33,637 (748 ) 40,027 40,938 (911 ) Automobile loans 1,748 1,748 — 10,590 10,022 568 The following tables present the net gains (losses) from fair value changes, including net gains (losses) associated with instrument specific credit risk for the years ended December 31, 2015 , 2014 , and 2013 : Net gains (losses) from fair value changes Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Assets Mortgage loans held for sale $ (2,342 ) $ (1,978 ) $ (12,711 ) Automobile loans (568 ) (918 ) (360 ) Gains (losses) included in fair value changes associated with instrument specific credit risk Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Assets Automobile loans $ 199 $ 911 $ 2,207 Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. For the year ended December 31, 2015 , assets measured at fair value on a nonrecurring basis were as follows: Fair Value Measurements Using (dollar amounts in thousands) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total MSRs $ 141,726 $ — $ — $ 141,726 $ (2,732 ) Impaired loans 62,029 — — 62,029 (20,762 ) Other real estate owned 27,342 — — 27,342 (4,005 ) MSRs accounted for under the amortization method are subject to nonrecurring fair value measurement when the fair value is lower than the carrying amount. Periodically, Huntington records nonrecurring adjustments of collateral-dependent loans measured for impairment when establishing the ACL. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. In cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized. Other real estate owned properties are included in accrued income and other assets and valued based on appraisals and third-party price opinions, less estimated selling costs. The appraisals supporting the fair value of the collateral to recognize loan impairment or unrealized loss on other real estate owned properties may not have been obtained as of December 31, 2015 . Significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2015 : Quantitative Information about Level 3 Fair Value Measurements at December 31, 2015 (dollar amounts in thousands) Fair Value Valuation Technique Significant Unobservable Input Range (Weighted Average) MSRs $ 17,585 Discounted cash flow Constant prepayment rate 7.9% - 25.7% (14.7%) Spread over forward interest rate 3.3% - 9.2% (5.4%) Derivative assets 6,721 Consensus Pricing Net market price -3.2% - 20.9% (1.9%) Derivative liabilities 665 Estimated Pull through % 11.9% - 99.8% (76.7%) Municipal securities 2,095,551 Discounted cash flow Discount rate 0.3% - 7.2% (3.1%) Cumulative default 0.1% - 50.0% (2.1%) Loss given default 5.0% - 80.0% (20.5%) Asset-backed securities 100,337 Discounted cash flow Discount rate 4.6% - 10.9% (6.2%) Cumulative prepayment rate 0.0% - 100.% (9.6%) Cumulative default 1.6% - 100% (11.1%) Loss given default 85% - 100% (96.6%) Cure given deferral 0.0% - 75.0% (36.8%) Automobile loans 1,748 Discounted cash flow Constant prepayment rate 154.2 % Discount rate 0.2% - 5.0% (2.3%) Life of pool cumulative losses 2.1 % Impaired loans 62,029 Appraisal value NA NA Other real estate owned 27,342 Appraisal value NA NA The following provides a general description of the impact of a change in an unobservable input on the fair value measurement and the interrelationship between unobservable inputs, where relevant/significant. Interrelationships may also exist between observable and unobservable inputs. Such relationships have not been included in the discussion below. A significant change in the unobservable inputs may result in a significant change in the ending fair value measurement of Level 3 instruments. In general, prepayment rates increase when market interest rates decline and decrease when market interest rates rise and higher prepayment rates generally result in lower fair values for MSR assets, Private-label CMO securities, Asset-backed securities, and Automobile loans. Credit loss estimates, such as probability of default, constant default, cumulative default, loss given default, cure given deferral, and loss severity, are driven by the ability of the borrowers to pay their loans and the value of the underlying collateral and are impacted by changes in macroeconomic conditions, typically increasing when economic conditions worsen and decreasing when conditions improve. An increase in the estimated prepayment rate typically results in a decrease in estimated credit losses and vice versa. Higher credit loss estimates generally result in lower fair values. Credit spreads generally increase when liquidity risks and market volatility increase and decrease when liquidity conditions and market volatility improve. Discount rates and spread over forward interest rate swap rates typically increase when market interest rates increase and/or credit and liquidity risks increase and decrease when market interest rates decline and/or credit and liquidity conditions improve. Higher discount rates and credit spreads generally result in lower fair market values. Net market price and pull through percentages generally increase when market interest rates increase and decline when market interest rates decline. Higher net market price and pull through percentages generally result in higher fair values. Fair values of financial instruments The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments that are carried either at fair value or cost at December 31, 2015 and December 31, 2014 : December 31, 2015 December 31, 2014 Carrying Fair Carrying Fair (dollar amounts in thousands) Amount Value Amount Value Financial Assets: Cash and short-term assets $ 898,994 $ 898,994 $ 1,285,124 $ 1,285,124 Trading account securities 36,997 36,997 42,191 42,191 Loans held for sale 474,621 484,511 416,327 416,327 Available-for-sale and other securities 8,775,441 8,775,441 9,384,670 9,384,670 Held-to-maturity securities 6,159,590 6,135,458 3,379,905 3,382,715 Net loans and direct financing leases 49,743,256 48,024,998 47,050,530 45,110,406 Derivatives 274,872 274,872 352,642 352,642 Financial Liabilities: Deposits 55,294,979 55,299,435 51,732,151 52,454,804 Short-term borrowings 615,279 615,279 2,397,101 2,397,101 Long-term debt 7,067,614 7,043,014 4,335,962 4,286,304 Derivatives 144,350 144,350 284,255 284,255 The following table presents the level in the fair value hierarchy for the estimated fair values of only Huntington’s financial instruments that are not already on the Consolidated Balance Sheets at fair value at December 31, 2015 and December 31, 2014 : Estimated Fair Value Measurements at Reporting Date Using December 31, 2015 (dollar amounts in thousands) Level 1 Level 2 Level 3 Financial Assets Held-to-maturity securities $ — $ 6,135,458 $ — $ 6,135,458 Net loans and direct financing leases — — 48,024,998 48,024,998 Financial Liabilities Deposits — 51,869,105 3,430,330 55,299,435 Short-term borrowings — 1,770 613,509 615,279 Long-term debt — — 7,043,014 7,043,014 Estimated Fair Value Measurements at Reporting Date Using December 31, 2014 (dollar amounts in thousands) Level 1 Level 2 Level 3 Financial Assets Held-to-maturity securities $ — $ 3,382,715 $ — $ 3,382,715 Net loans and direct financing leases — — 45,110,406 45,110,406 Financial Liabilities Deposits — 48,183,798 4,271,006 52,454,804 Short-term borrowings — — 2,397,101 2,397,101 Long-term debt — — 4,286,304 4,286,304 The short-term nature of certain assets and liabilities result in their carrying value approximating fair value. These include trading account securities, customers’ acceptance liabilities, short-term borrowings, bank acceptances outstanding, FHLB advances, and cash and short-term assets, which include cash and due from banks, interest-bearing deposits in banks, and federal funds sold and securities purchased under resale agreements. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses that limit Huntington’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value. Certain assets, the most significant being operating lease assets, bank owned life insurance, and premises and equipment, do not meet the definition of a financial instrument and are excluded from this disclosure. Similarly, mortgage and nonmortgage servicing rights, deposit base, and other customer relationship intangibles are not considered financial instruments and are not included above. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. Many of the assets and liabilities subject to the disclosure requirements are not actively traded, requiring fair values to be estimated by Management. These estimations necessarily involve the use of judgment about a wide variety of factors, including but not limited to, relevancy of market prices of comparable instruments, expected future cash flows, and appropriate discount rates. The following methods and assumptions were used by Huntington to estimate the fair value of the remaining classes of financial instruments: Held-to-maturity securities Fair values are determined by using models that are based on security-specific details, as well as relevant industry and economic factors. The most significant of these inputs are quoted market prices, and interest rate spreads on relevant benchmark securities. Loans and Direct Financing Leases Variable-rate loans that reprice frequently are based on carrying amounts, as adjusted for estimated credit losses. The fair values for other loans and leases are estimated using discounted cash flow analyses and employ interest rates currently being offered for loans and leases with similar terms. The rates take into account the position of the yield curve, as well as an adjustment for prepayment risk, operating costs, and profit. This value is also reduced by an estimate of expected losses and the credit risk associated in the loan and lease portfolio. The valuation of the loan portfolio reflected discounts that Huntington believed are consistent with transactions occurring in the marketplace. Deposits Demand deposits, savings accounts, and money market deposits are, by definition, equal to the amount payable on demand. The fair values of fixed-rate time deposits are estimated by discounting cash flows using interest rates currently being offered on certificates with similar maturities. Debt Long-term debt is based upon quoted market prices, which are inclusive of Huntington’s credit risk. In the absence of quoted market prices, discounted cash flows using market rates for similar debt with the same maturities are used in the determination of fair value.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Consolidated Balance Sheet as either an asset or a liability (in accrued income and other assets or accrued expenses and other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses, less any ineffectiveness, in the income statement within the same period that the hedged item affects earnings. Gains and losses on derivatives that are not designated to an effective hedge relationship under GAAP immediately impact earnings within the period they occur. Derivatives used in Asset and Liability Management Activities Huntington engages in balance sheet hedging activity, principally for asset liability management purposes, to convert fixed rate assets or liabilities into floating rate or vice versa. Balance sheet hedging activity is arranged to receive hedge accounting treatment and is classified as either fair value or cash flow hedges. Fair value hedges are purchased to convert deposits and subordinated and other long-term debt from fixed-rate obligations to floating rate. Cash flow hedges are also used to convert floating rate loans made to customers into fixed rate loans. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2015 , identified by the underlying interest rate-sensitive instruments: (dollar amounts in thousands) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Loans $ — $ 8,223,000 $ 8,223,000 Deposits 69,100 — 69,100 Subordinated notes 475,000 — 475,000 Long-term debt 5,385,000 — 5,385,000 Total notional value at December 31, 2015 $ 5,929,100 $ 8,223,000 $ 14,152,100 The following table presents additional information about the interest rate swaps used in Huntington’s asset and liability management activities at December 31, 2015 : Weighted-Average (dollar amounts in thousands ) Notional Value Average Maturity (years) Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 8,223,000 1.1 $ (3,103 ) 0.83 % 0.43 % Total asset conversion swaps 8,223,000 1.1 (3,103 ) 0.83 0.43 Liability conversion swaps Receive fixed—generic 5,929,100 2.7 68,401 1.55 0.40 Total liability conversion swaps 5,929,100 2.7 68,401 1.55 0.40 Total swap portfolio at December 31, 2015 $ 14,152,100 1.8 $ 65,298 1.13 % 0.42 % These derivative financial instruments were entered into for the purpose of managing the interest rate risk of assets and liabilities. Consequently, net amounts receivable or payable on contracts hedging either interest earning assets or interest bearing liabilities were accrued as an adjustment to either interest income or interest expense. The net amounts resulted in an increase to net interest income of $108 million , $98 million , and $95 million for the years ended December 31, 2015 , 2014 , and 2013 , respectively. In connection with the sale of Huntington’s Class B Visa ® shares, Huntington entered into a swap agreement with the purchaser of the shares. The swap agreement adjusts for dilution in the conversion ratio of Class B shares resulting from the Visa ® litigation. At December 31, 2015 , the fair value of the swap liability of less than $1 million is an estimate of the exposure liability based upon Huntington’s assessment of the potential Visa ® litigation losses. The following table presents the fair values at December 31, 2015 and 2014 of Huntington’s derivatives that are designated and not designated as hedging instruments. Amounts in the table below are presented gross without the impact of any net collateral arrangements: Asset derivatives included in accrued income and other assets: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Interest rate contracts designated as hedging instruments $ 80,513 $ 53,114 Interest rate contracts not designated as hedging instruments 190,846 183,610 Foreign exchange contracts not designated as hedging instruments 37,727 32,798 Commodity contracts not designated as hedging instruments 117,894 180,218 Total contracts $ 426,980 $ 449,740 Liability derivatives included in accrued expenses and other liabilities: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Interest rate contracts designated as hedging instruments $ 15,215 $ 12,648 Interest rate contracts not designated as hedging instruments 121,815 110,627 Foreign exchange contracts not designated as hedging instruments 35,283 29,754 Commodity contracts not designated as hedging instruments 114,887 179,180 Total contracts $ 287,200 $ 332,209 The changes in fair value of the fair value hedges are, to the extent that the hedging relationship is effective, recorded through earnings and offset against changes in the fair value of the hedged item. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Interest rate contracts Change in fair value of interest rate swaps hedging deposits (1) $ (996 ) $ (1,045 ) $ (4,006 ) Change in fair value of hedged deposits (1) 992 1,025 4,003 Change in fair value of interest rate swaps hedging subordinated notes (2) (8,237 ) 476 (44,699 ) Change in fair value of hedged subordinated notes (2) 8,237 (476 ) 44,699 Change in fair value of interest rate swaps hedging long-term debt (2) 3,903 1,990 (5,716 ) Change in fair value of hedged other long-term debt (2) (3,602 ) 828 6,843 (1) Effective portion of the hedging relationship is recognized in Interest expense—deposits in the Consolidated Statements of Income. Any resulting ineffective portion of the hedging relationship is recognized in noninterest income in the Consolidated Statements of Income. (2) Effective portion of the hedging relationship is recognized in Interest expense—subordinated notes and other long-term debt in the Consolidated Statements of Income. Any resulting ineffective portion of the hedging relationship is recognized in noninterest income in the Consolidated Statements of Income. The following table presents the gains and (losses) recognized in OCI and the location in the Consolidated Statements of Income of gains and (losses) reclassified from OCI into earnings for derivatives designated as effective cash flow hedges: Derivatives in cash flow hedging relationships Amount of gain or (loss) recognized in OCI on derivatives (effective portion) Location of gain or (loss) reclassified from accumulated OCI into earnings (effective portion) Amount of (gain) or loss reclassified from accumulated OCI into earnings (effective portion) (pre-tax) (dollar amounts in thousands) 2015 2014 2013 2015 2014 2013 Interest rate contracts Loans $ 8,428 $ 9,192 $ (56,056 ) Interest and fee income—loans and leases $ (210 ) $ (4,064 ) $ (14,979 ) Loans — — — Noninterest income - other income (10 ) 93 (209 ) Total $ 8,428 $ 9,192 $ (56,056 ) $ (220 ) $ (3,971 ) $ (15,188 ) Reclassified gains and losses on swaps related to loans and investment securities and swaps related to subordinated debt are recorded within interest income and interest expense, respectively. During the next twelve months, Huntington expects to reclassify to earnings approximately $3 million after-tax, of unrealized gains on cash flow hedging derivatives currently in OCI. To the extent these derivatives are effective in offsetting the variability of the hedged cash flows, changes in the derivatives’ fair value will not be included in current earnings but are reported as a component of OCI in the Consolidated Statements of Shareholders’ Equity. These changes in fair value will be included in earnings of future periods when earnings are also affected by the changes in the hedged cash flows. To the extent these derivatives are not effective, changes in their fair values are immediately included in noninterest income. The following table presents the gains and (losses) recognized in noninterest income for the ineffective portion of interest rate contracts for derivatives designated as cash flow hedges for the years ending December 31, 2015 , 2014 , and 2013 : December 31, (dollar amounts in thousands) 2015 2014 2013 Derivatives in cash flow hedging relationships Interest rate contracts: Loans $ (763 ) $ 74 $ 878 Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to the hedging of the mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. The interest rate lock commitments are derivative positions offset by forward commitments to sell loans. Huntington uses two types of mortgage-backed securities in its forward commitment to sell loans. The first type of forward commitment is a “To Be Announced” (or TBA), the second is a “Specified Pool” mortgage-backed security. Huntington uses these derivatives to hedge the value of mortgage-backed securities until they are sold. The following table summarizes the derivative assets and liabilities used in mortgage banking activities: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Derivative assets: Interest rate lock agreements $ 6,721 $ 4,064 Forward trades and options 2,468 35 Total derivative assets 9,189 4,099 Derivative liabilities: Interest rate lock agreements (220 ) (259 ) Forward trades and options (1,239 ) (3,760 ) Total derivative liabilities (1,459 ) (4,019 ) Net derivative asset $ 7,730 $ 80 MSR hedging activity Huntington’s MSR economic hedging activity uses securities and derivatives to manage the value of the MSR asset and to mitigate the various types of risk inherent in the MSR asset, including risks related to duration, basis, convexity, volatility, and yield curve. The hedging instruments include forward commitments, interest rate swaps, and options on interest rate swaps. The total notional value of these derivative financial instruments at December 31, 2015 and 2014 , was $0.5 billion and $0.6 billion , respectively. The total notional amount at December 31, 2015 corresponds to trading assets with a fair value of less than $1 million and trading liabilities with a fair value of $1 million . Net trading gains (losses) related to MSR hedging for the years ended December 31, 2015 , 2014 , and 2013 , were $(2) million , $7 million , and $(25) million , respectively. These amounts are included in mortgage banking income in the Consolidated Statements of Income. Derivatives used in trading activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consisted of commodity, interest rate, and foreign exchange contracts. The derivative contracts grant the option holder the right to buy or sell an underlying financial instrument for a predetermined price before the contract expires. Huntington may enter into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in accrued income and other assets or accrued expenses and other liabilities at December 31, 2015 and December 31, 2014 , were $76 million and $74 million , respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $14.6 billion and $14.4 billion at December 31, 2015 and December 31, 2014 , respectively. Huntington’s credit risks from interest rate swaps used for trading purposes were $224 million and $219 million at the same dates, respectively. Risk Participation Agreements Huntington periodically enters into risk participation agreement in order to manage credit risk of its derivative positions. These agreements transfer counterparty credit risk related to interest rate swaps to and from other financial institutions. Huntington can mitigate exposure to certain counterparties or take on exposure to generate additional income. Huntington’s notional exposure for interest rate swaps originated by other financial institutions was $344 million and $457 million at December 31, 2015 and December 31, 2014 , respectively. Huntington will make payments under these agreements if a customer defaults on its obligation to perform under the terms of the underlying interest rate derivative contract. The amount Huntington will have to pay if all counterparties defaulted on their swap contracts is the fair value of these risk participations, which was $6 million and $7 million at December 31, 2015 and December 31, 2014 , respectively. These contracts mature between 2015 and 2043 and are deemed investment grade. Financial assets and liabilities that are offset in the Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 17 . Huntington records these derivatives net of any master netting arrangement in the Consolidated Balance Sheets. Collateral agreements are regularly entered into as part of the underlying derivative agreements with Huntington’s counterparties to mitigate counterparty credit risk. All derivatives are carried on the Consolidated Balance Sheets at fair value. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Cash collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with two primary groups: broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into bilateral collateral and master netting agreements with these counterparties, and routinely exchange cash and high quality securities collateral with these counterparties. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. Huntington generally enters into master netting agreements with customer counterparties, however collateral is generally not exchanged with customer counterparties. At December 31, 2015 and December 31, 2014 , aggregate credit risk associated with these derivatives, net of collateral that has been pledged by the counterparty, was $15 million and $20 million , respectively. The credit risk associated with interest rate swaps is calculated after considering master netting agreements with broker-dealers and banks. At December 31, 2015 , Huntington pledged $110 million of investment securities and cash collateral to counterparties, while other counterparties pledged $107 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2015 and December 31, 2014 : Offsetting of Financial Assets and Derivative Assets Gross amounts not offset in the consolidated balance sheets (dollar amounts in thousands) Gross amounts of recognized assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Financial instruments Cash collateral received Net amount Offsetting of Financial Assets and Derivative Assets December 31, 2015 Derivatives $ 436,169 $ (161,297 ) $ 274,872 $ (39,305 ) $ (3,462 ) $ 232,105 December 31, 2014 Derivatives 480,803 (128,161 ) 352,642 (27,744 ) (1,095 ) 323,803 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts not offset in the consolidated balance sheets (dollar amounts in thousands) Gross amounts of recognized liabilities Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Financial instruments Cash collateral delivered Net amount Offsetting of Financial Liabilities and Derivative Liabilities December 31, 2015 Derivatives $ 288,659 $ (144,309 ) $ 144,350 $ (62,460 ) $ (20 ) $ 81,870 December 31, 2014 Derivatives 363,192 (78,937 ) 284,255 (78,654 ) (111 ) 205,490

VIEs

VIEs	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VIEs	VIEs Consolidated VIEs Consolidated VIEs at December 31, 2015 , consisted of certain loan and lease securitization trusts. Huntington has determined the trusts are VIEs. Huntington has concluded that it is the primary beneficiary of these trusts because it has the power to direct the activities of the entity that most significantly affect the entity’s economic performance and it has either the obligation to absorb losses of the entity that could potentially be significant to the VIE or the right to receive benefits from the entity that could potentially be significant to the VIE. During the 2015 first quarter, Huntington acquired two securitization trusts with its acquisition of Huntington Technology Finance. The following tables present the carrying amount and classification of the consolidated trusts’ assets and liabilities that were included in the Consolidated Balance Sheets at December 31, 2015 and 2014 : December 31, 2015 Huntington Technology Other Consolidated Trusts Total (dollar amounts in thousands) Series 2012A Series 2014A Assets: Cash $ 1,377 $ 1,561 $ — $ 2,938 Net loans and leases 32,180 152,331 — 184,511 Accrued income and other assets — — 229 229 Total assets $ 33,557 $ 153,892 $ 229 $ 187,678 Liabilities: Other long-term debt $ 27,153 $ 123,577 $ — $ 150,730 Accrued interest and other liabilities — — 229 229 Total liabilities 27,153 123,577 229 150,959 Equity: Beneficial Interest owned by third party 6,404 30,315 — 36,719 Total liabilities and equity $ 33,557 $ 153,892 $ 229 $ 187,678 December 31, 2014 (dollar amounts in thousands) Other Total Assets: Cash $ — $ — Net loans and leases — — Accrued income and other assets 243 243 Total assets $ 243 $ 243 Liabilities: Other long-term debt $ — $ — Accrued interest and other liabilities 243 243 Total liabilities 243 243 Equity: Beneficial Interest owned by third party — — Total liabilities and equity $ 243 $ 243 The loans and leases were designated to repay the securitized notes. Huntington services the loans and leases and uses the proceeds from principal and interest payments to pay the securitized notes during the amortization period. Huntington has not provided financial or other support that was not previously contractually required. Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest, but is not the primary beneficiary, to the VIE at December 31, 2015 , and 2014 : December 31, 2015 (dollar amounts in thousands) Total Assets Total Liabilities Maximum Exposure to Loss 2015-1 Automobile Trust $ 7,695 $ — $ 7,695 2012-1 Automobile Trust 94 — 94 2012-2 Automobile Trust 771 — 771 Trust Preferred Securities 13,919 317,106 — Low Income Housing Tax Credit Partnerships 425,500 196,001 425,500 Other Investments 68,746 25,762 68,746 Total $ 516,725 $ 538,869 $ 502,806 December 31, 2014 (dollar amounts in thousands) Total Assets Total Liabilities Maximum Exposure to Loss 2012-1 Automobile Trust $ 2,136 $ — $ 2,136 2012-2 Automobile Trust 3,220 — 3,220 2011 Automobile Trust 944 — 944 Tower Hill Securities, Inc. 55,611 65,000 55,611 Trust Preferred Securities 13,919 317,075 — Low Income Housing Tax Credit Partnerships 368,283 154,861 368,283 Other Investments 83,400 20,760 83,400 Total $ 527,513 $ 557,696 $ 513,594 2015-1, 2012-1, 2012-2 , and 2011 AUTOMOBILE TRUST During 2015 second quarter, 2012 first and fourth quarters, and 2011 third quarter, we transferred automobile loans totaling $0.8 billion , $1.3 billion , $1.0 billion , and $1.0 billion , respectively to trusts in separate securitization transactions. The securitizations and the resulting sale of all underlying securities qualified for sale accounting. Huntington has concluded that it is not the primary beneficiary of these trusts because it has neither the obligation to absorb losses of the entities that could potentially be significant to the VIEs nor the right to receive benefits from the entities that could potentially be significant to the VIEs. Huntington is not required and does not currently intend to provide any additional financial support to the trusts. Investors and creditors only have recourse to the assets held by the trusts. The interest Huntington holds in the VIEs relates to servicing rights which are included within accrued income and other assets of Huntington’s Consolidated Balance Sheets. The maximum exposure to loss is equal to the carrying value of the servicing asset. During the 2015 third quarter, Huntington canceled the 2011 Automobile Trust. As a result, any remaining assets at the time of the cancellation were no longer part of the trust. TOWER HILL SECURITIES, INC. In 2010, we transferred approximately $92 million of municipal securities, $86 million in Huntington Preferred Capital, Inc. (Real Estate Investment Trust) Class E Preferred Stock and cash of $6 million to Tower Hill Securities, Inc. in exchange for $184 million of Common and Preferred Stock of Tower Hill Securities, Inc. In 2015, the mandatorily redeemable securities issued by Tower Hill Securities, Inc. were redeemed in full. As of November 16, 2015, Tower Hill Securities, Inc. is a 100% owned consolidated entity. TRUST-PREFERRED SECURITIES Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Consolidated Balance Sheet as subordinated notes. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2015 follows: (dollar amounts in thousands) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 1.03 % (2) $ 111,816 $ 6,186 Huntington Capital II 1.14 (3) 54,593 3,093 Sky Financial Capital Trust III 2.01 (4) 72,165 2,165 Sky Financial Capital Trust IV 1.73 (4) 74,320 2,320 Camco Financial Trust 2.95 (5) 4,212 155 Total $ 317,106 $ 13,919 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70 . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 62.5 . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40 . (5) Variable effective rate (including impact of purchase accounting accretion) at December 31, 2015, based on three month LIBOR + 1.33 . Each issue of the junior subordinated debentures has an interest rate equal to the corresponding trust securities distribution rate. Huntington has the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the trust securities will also be deferred and Huntington’s ability to pay dividends on its common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to trust securities are guaranteed by Huntington to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all indebtedness of the Company to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by Huntington. LOW INCOME HOUSING TAX CREDIT PARTNERSHIPS Huntington makes certain equity investments in various limited partnerships that sponsor affordable housing projects utilizing the Low Income Housing Tax Credit (LIHTC) pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnerships include the identification, development, and operation of multi family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Huntington is a limited partner in each Low Income Housing Tax Credit Partnership. A separate unrelated third-party is the general partner. Each limited partnership is managed by the general partner, who exercises full and exclusive control over the affairs of the limited partnership. The general partner has all the rights, powers and authority granted or permitted to be granted to a general partner of a limited partnership under the Ohio Revised Uniform Limited Partnership Act. Duties entrusted to the general partner of each limited partnership include, but are not limited to: investment in operating companies, company expenditures, investment of excess funds, borrowing funds, employment of agents, disposition of fund property, prepayment and refinancing of liabilities, votes and consents, contract authority, disbursement of funds, accounting methods, tax elections, bank accounts, insurance, litigation, cash reserve, and use of working capital reserve funds. Except for limited rights granted to consent to certain transactions, the limited partner(s) may not participate in the operation, management, or control of the limited partnership’s business, transact any business in the limited partnership’s name or have any power to sign documents for or otherwise bind the limited partnership. In addition, the general partner may only be removed by the limited partner(s) in the event the general partner fails to comply with the terms of the agreement and/or is negligent in performing its duties. Huntington believes the general partner of each limited partnership has the power to direct the activities which most significantly affect the performance of each partnership, therefore, Huntington has determined that it is not the primary beneficiary of any LIHTC partnership. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in accrued income and other assets. Investments that do not meet the requirements of the proportional amortization method are recognized using the equity method. Investment losses related to these investments are included in noninterest income in the Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2015 and 2014. (dollar amounts in thousands) December 31, December 31, Affordable housing tax credit investments $ 674,157 $ 576,381 Less: amortization (248,657 ) (208,098 ) Net affordable housing tax credit investments $ 425,500 $ 368,283 Unfunded commitments $ 196,001 $ 154,861 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2015, 2014, and 2013: Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Tax credits and other tax benefits recognized $ 59,614 $ 51,317 $ 55,819 Proportional amortization method Tax credit amortization expense included in provision for income taxes 42,951 39,021 32,789 Equity method Tax credit investment losses included in noninterest income 355 434 1,176 There were no sales of LIHTC investments in 2015 or 2014 . During the year ended December 31, 2013, Huntington sold LIHTC investments resulting in gains of $9 million . The gains were recorded in noninterest income in the Consolidated Statements of Income. Huntington recognized immaterial impairment losses for the years ended December 31, 2015 , 2014 and 2013 . The impairment losses recognized related to the fair value of the tax credit investments that were less than carrying value. OTHER INVESTMENTS Other investments determined to be VIE’s include investments in New Market Tax Credit Investments, Historic Tax Credit Investments, Small Business Investment Companies, Rural Business Investment Companies, certain equity method investments and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Consolidated Financial Statements. The contract amounts of these financial agreements at December 31, 2015 , and December 31, 2014 were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Contract amount represents credit risk Commitments to extend credit: Commercial $ 11,448,927 $ 11,181,522 Consumer 8,574,093 7,579,632 Commercial real estate 813,271 908,112 Standby letters of credit 511,706 497,457 Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality. These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors. Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements. The interest rate risk arising from these financial instruments is insignificant as a result of their predominantly short-term, variable-rate nature. Standby letters-of-credit are conditional commitments issued to guarantee the performance of a customer to a third-party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. Most of these arrangements mature within two years . The carrying amount of deferred revenue associated with these guarantees was $7 million and $4 million at December 31, 2015 and 2014 , respectively. Through the Company’s credit process, Huntington monitors the credit risks of outstanding standby letters-of-credit. When it is probable that a standby letter-of-credit will be drawn and not repaid in full, losses are recognized in the provision for credit losses. At December 31, 2015 , Huntington had $512 million of standby letters-of-credit outstanding, of which 80% were collateralized. Included in this $512 million total are letters-of-credit issued by the Bank that support securities that were issued by customers and remarketed by The Huntington Investment Company, the Company’s broker-dealer subsidiary. Huntington uses an internal grading system to assess an estimate of loss on its loan and lease portfolio. This same loan grading system is used to monitor credit risk associated with standby letters-of-credit. Under this risk rating system as of December 31, 2015 , approximately $186 million of the standby letters-of-credit were rated strong with sufficient asset quality, liquidity, and good debt capacity and coverage, approximately $326 million were rated average with acceptable asset quality, liquidity, and modest debt capacity; and less than $1 million were rated substandard with negative financial trends, structural weaknesses, operating difficulties, and higher leverage. Commercial letters-of-credit represent short-term, self-liquidating instruments that facilitate customer trade transactions and generally have maturities of no longer than 90 days . The goods or cargo being traded normally secures these instruments. As of December 31, 2015 , Huntington had $56 million of commercial letters-of-credit outstanding. Commitments to sell loans Activity related to our mortgage origination activity supports the hedging of the mortgage pricing commitments to customers and the secondary sale to third parties. At December 31, 2015 and 2014 , Huntington had commitments to sell residential real estate loans of $659 million and $545 million , respectively. These contracts mature in less than one year . Litigation The nature of Huntington’s business ordinarily results in a certain amount of pending as well as threatened claims, litigation, investigations, regulatory and legal and administrative cases, matters and proceedings, all of which are considered incidental to the normal conduct of business. When the Company determines it has meritorious defenses to the claims asserted, it vigorously defends itself. The Company considers settlement of cases when, in management’s judgment, it is in the best interests of both the Company and its shareholders to do so. On at least a quarterly basis, Huntington assesses its liabilities and contingencies in connection with threatened and outstanding legal cases, matters and proceedings, utilizing the latest information available. For cases, matters and proceedings where it is both probable the Company will incur a loss and the amount can be reasonably estimated, Huntington establishes an accrual for the loss. Once established, the accrual is adjusted as appropriate to reflect any relevant developments. For cases, matters or proceedings where a loss is not probable or the amount of the loss cannot be estimated, no accrual is established. In certain cases, matters and proceedings, exposure to loss exists in excess of the accrual to the extent such loss is reasonably possible, but not probable. Management believes an estimate of the aggregate range of reasonably possible losses, in excess of amounts accrued, for current legal proceedings is from $0 to approximately $80 million at December 31, 2015 . For certain other cases, and matters, Management cannot reasonably estimate the possible loss at this time. Any estimate involves significant judgment, given the varying stages of the proceedings (including the fact that many of them are currently in preliminary stages), the existence of multiple defendants in several of the current proceedings whose share of liability has yet to be determined, the numerous unresolved issues in many of the proceedings, and the inherent uncertainty of the various potential outcomes of such proceedings. Accordingly, Management’s estimate will change from time-to-time, and actual losses may be more or less than the current estimate. While the final outcome of legal cases, matters, and proceedings is inherently uncertain, based on information currently available, advice of counsel, and available insurance coverage, Management believes that the amount it has already accrued is adequate and any incremental liability arising from the Company’s legal cases, matters, or proceedings will not have a material negative adverse effect on the Company’s consolidated financial position as a whole. However, in the event of unexpected future developments, it is possible that the ultimate resolution of these cases, matters, and proceedings, if unfavorable, may be material to the Company’s consolidated financial position in a particular period. Cyberco Litigation. The Bank has been named a defendant in two lawsuits, arising from the Bank’s commercial lending, depository, and equipment leasing relationships with Cyberco Holdings, Inc. (Cyberco), based in Grand Rapids, Michigan. In November 2004, the Federal Bureau of Investigation and the Internal Revenue Service raided Cyberco’s facilities and Cyberco’s operations ceased. An equipment leasing fraud was uncovered, whereby Cyberco sought financing from equipment lessors and financial institutions, including the Bank, allegedly to purchase computer equipment from Teleservices Group, Inc. (Teleservices). Cyberco created fraudulent documentation to close the financing transactions when, in fact, no computer equipment was ever purchased or leased from Teleservices, which later proved to be a shell corporation. Cyberco filed a Chapter 7 bankruptcy petition on December 9, 2004, and a state court receiver for Teleservices then filed a Chapter 7 bankruptcy petition for Teleservices on January 21, 2005. In an adversary proceeding commenced against the Bank on December 8, 2006, the Cyberco bankruptcy trustee sought recovery of over $70 million he alleged was transferred to the Bank. The Cyberco bankruptcy trustee also alleged preferential transfers were made to the Bank in the amount of approximately $1 million . The Bank moved to dismiss the complaint and all but the preference claims were dismissed on January 29, 2008. The Bankruptcy Court ordered the case to be tried in July 2012, and entered an order governing all pretrial conduct. The Bank filed a motion for summary judgment on the basis that the Cyberco trustee sought recovery of the same alleged transfers as the Teleservices trustee in a separate case described below. The Bankruptcy Court granted the motion in principal part and the parties stipulated to a full dismissal which was entered on June 19, 2012. The Teleservices bankruptcy trustee filed a separate adversary proceeding against the Bank on January 19, 2007, seeking to avoid and recover alleged transfers that occurred in two ways: (1) checks made payable to the Bank for application to Cyberco’s indebtedness to the Bank, and (2) deposits into Cyberco’s bank accounts with the Bank. A trial was held as to only the Bank’s defenses. Subsequently, the trustee filed a summary judgment motion on the affirmative case, alleging the fraudulent transfers to the Bank totaled approximately $73 million and seeking judgment in that amount (which includes the $1 million alleged to be preferential transfers by the Cyberco bankruptcy trustee). On March 17, 2011, the Bankruptcy Court issued an Opinion determining that the alleged transfers made to the Bank during the period from April 30, 2004 through November 2004 were not received in good faith and that the Bank failed to show a lack of knowledge of the avoidability of the alleged transfers made from September 2003 through November 2004. The trustee then filed an amended motion for summary judgment in the affirmative case and a hearing was held on July 1, 2011. On March 30, 2012, the Bankruptcy Court issued an Opinion on the Teleservices trustee’s motion determining the Bank was the initial transferee of the checks made payable to it and was a subsequent transferee of all deposits into Cyberco’s accounts. The Bankruptcy Court ruled Cyberco’s deposits were themselves transfers to the Bank under the Bankruptcy Code, and the Bank was liable for both the checks and the deposits, totaling approximately $73 million . The Bankruptcy Court delivered its report and recommendation to the District Court for the Western District of Michigan, recommending that the District Court enter a final judgment against the Bank in the principal amount of $72 million , plus interest through July 27, 2012, in the amount of $9 million . The parties filed their respective objections and responses to the Bankruptcy Court’s report and recommendation. The District Court held a hearing in September 2014 and conducted a de novo review of the fact findings and legal conclusions in the Bankruptcy Court’s report and recommendation. On September 28, 2015, the District Court entered a judgment against the Bank in the amount of $72 million plus costs and pre- and post-judgment interest. While Huntington has appealed the decision and plans to continue to aggressively contest the claims of this complex case, Huntington increased its legal reserves by approximately $38 million in the 2015 third quarter to fully accrue for the amount of the judgment. MERSCORP Litigation. The Bank is a defendant in an action filed on January 17, 2012 against MERSCORP, Inc. and numerous other financial institutions that participate in the mortgage electronic registration system (MERS). The putative class action was filed on behalf of all 88 counties in Ohio. The plaintiffs allege that the recording of mortgages and assignments thereof is mandatory under Ohio law and seek a declaratory judgment that the defendants are required to record every mortgage and assignment on real property located in Ohio and pay the attendant statutory recording fees. The complaint also seeks damages, attorney’s fees and costs. Huntington filed a motion to dismiss the complaint, which has been fully briefed, but no ruling has been issued by the Geauga County, Ohio Court of Common Pleas. Similar litigation has been initiated against MERSCORP, Inc. and other financial institutions in other jurisdictions throughout the country, however, the Bank has not been named a defendant in those other cases. Powell v. Huntington National Bank. The Bank is a defendant in a putative class action filed on October 15, 2013. The plaintiffs filed the action in West Virginia state court on behalf of themselves and other West Virginia mortgage loan borrowers who allege they were charged late fees in violation of West Virginia law and the loan documents. Plaintiffs seek statutory civil penalties, compensatory damages and attorney’s fees. The Bank removed the case to federal court, answered the complaint, and, on January 17, 2014, filed a motion for judgment on the pleadings, asserting that West Virginia law is preempted by federal law and therefore does not apply to the Bank. Following further briefing by the parties, the federal district court denied the Bank’s motion for judgment on the pleadings on September 26, 2014. On June 8, 2015, the Fourth Circuit Court of Appeals granted the Bank’s motion for an interlocutory appeal of the district court’s decision. The matter was briefed and oral argument held, but after the oral argument, the Fourth Circuit dismissed the appeal as improvidently granted and remanded the case back to the district court for further proceedings. Commitments Under Operating Lease Obligations At December 31, 2015 , Huntington and its subsidiaries were obligated under noncancelable leases for land, buildings, and equipment. Many of these leases contain renewal options and certain leases provide options to purchase the leased property during or at the expiration of the lease period at specified prices. Some leases contain escalation clauses calling for rentals to be adjusted for increased real estate taxes and other operating expenses or proportionately adjusted for increases in the consumer or other price indices. The future minimum rental payments required under operating leases that have initial or remaining noncancelable lease terms in excess of one year as of December 31, 2015 , were as follows: $53 million in 2016 , $49 million in 2017 , $46 million in 2018 , $42 million in 2019 , $41 million in 2020 , and $191 million thereafter. At December 31, 2015 , total minimum lease payments have not been reduced by minimum sublease rentals of $11 million due in the future under noncancelable subleases. At December 31, 2015 , the future minimum sublease rental payments that Huntington expects to receive were as follows: $4 million in 2016 , $2 million in 2017 , $2 million in 2018 , $1 million in 2019 , $1 million in 2020 , and $1 million thereafter. The rental expense for all operating leases was $58 million , $57 million , and $55 million for 2015 , 2014 , and 2013 , respectively. Huntington had no material obligations under capital leases.

OTHER REGULATORY MATTERS

OTHER REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2015
Banking and Thrift [Abstract]
OTHER REGULATORY MATTERS	OTHER REGULATORY MATTERS Huntington and its bank subsidiary, The Huntington National Bank (the Bank), are subject to various regulatory capital requirements administered banking regulators. These requirements involve qualitative judgments and quantitative measures of assets, liabilities, capital amounts, and certain off-balance sheet items as calculated under regulatory accounting practices. Failure to meet minimum capital requirements can initiate certain actions by regulators that, if undertaken, could have a material adverse effect on Huntington’s and the Bank’s financial statements. Beginning in the 2015 first quarter, we became subject to the Basel III capital requirements including the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. The Basel III capital requirements emphasize CET1 capital, the most loss-absorbing form of capital, and implement strict eligibility criteria for regulatory capital instruments. CET1 capital primarily includes common shareholders’ equity less certain deductions for goodwill and other intangibles net of related taxes, and DTAs that arise from tax loss and credit carryforwards. Tier 1 capital is primarily comprised of CET1 capital, perpetual preferred stock and certain qualifying capital instruments (TRUPS) that are subject to phase-out from tier 1 capital. Tier 2 capital primarily includes qualifying subordinated debt and qualifying ALLL. We are also subject to CCAR and must submit annual capital plans to our banking regulators. We may pay dividends and repurchase stock up to the levels submitted in our capital plan to which the FRB did not object. As of December 31, 2015 , Huntington and the Bank met all capital adequacy requirements and had regulatory capital ratios in excess of the levels established for well-capitalized institutions. The period-end capital amounts and capital ratios of Huntington and the Bank are as follows, including the CET1 ratio on a Basel III basis. The implementation of the Basel III capital requirements is transitional and phases-in from January 1, 2015 through the end of 2018. Amounts presented prior to January 1, 2015 are calculated using the Basel I capital requirements. Well- December 31, capitalized Minimum 2015 2014 Capital Capital Basel III Basel I (dollar amounts in thousands) Ratios Ratios Ratio Amount Ratio Amount Common equity tier 1 risk-based capital Consolidated N.A. 4.50 % 9.79 % $ 5,721,028 N.A. N.A. Bank 6.50 % 4.50 9.46 5,518,748 N.A. N.A. Tier 1 risk-based capital Consolidated 6.00 6.00 10.53 6,154,000 11.50 % $ 6,265,900 Bank 8.00 6.00 9.83 5,735,274 11.28 6,136,190 Total risk-based capital Consolidated 10.00 8.00 12.64 7,386,936 13.56 7,388,336 Bank 10.00 8.00 11.74 6,850,596 12.79 6,956,242 Tier 1 leverage capital Consolidated N.A. 4.00 8.79 6,154,000 9.74 6,265,900 Bank 5.00 4.00 8.21 5,735,274 9.56 6,136,190 Huntington has the ability to provide additional capital to the Bank to maintain the Bank’s risk-based capital ratios at levels at which would be considered well-capitalized. Huntington and its subsidiaries are also subject to various regulatory requirements that impose restrictions on cash, debt, and dividends. The Bank is required to maintain cash reserves based on the level of certain of its deposits. This reserve requirement may be met by holding cash in banking offices or on deposit at the Federal Reserve Bank. During 2015 and 2014 , the average balances of these deposits were $0.5 billion and $0.2 billion , respectively. Under current Federal Reserve regulations, the Bank is limited as to the amount and type of loans it may make to the parent company and nonbank subsidiaries. At December 31, 2015 , the Bank could lend $678 million to a single affiliate, subject to the qualifying collateral requirements defined in the regulations. Dividends from the Bank are one of the major sources of funds for the Company. These funds aid the Company in the payment of dividends to shareholders, expenses, and other obligations. Payment of dividends to the parent company is subject to various legal and regulatory limitations. During 2015 , the Bank paid dividends of $822 million to the holding company. Also, there are statutory and regulatory limitations on the ability of national banks to pay dividends or make other capital distributions. The amount available for dividend payments to the parent company by Huntington National Bank without prior regulatory approval was approximately $179 million at December 31, 2015 .

PARENT COMPANY FINANCIAL STATEM

PARENT COMPANY FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
PARENT COMPANY FINANCIAL STATEMENTS	PARENT COMPANY FINANCIAL STATEMENTS The parent company financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in thousands) 2015 2014 Assets Cash and cash equivalents $ 917,368 $ 662,768 Due from The Huntington National Bank 406,253 276,851 Due from non-bank subsidiaries 48,151 51,129 Investment in The Huntington National Bank 5,966,783 6,073,408 Investment in non-bank subsidiaries 489,205 509,114 Accrued interest receivable and other assets 192,444 279,366 Total assets $ 8,020,204 $ 7,852,636 Liabilities and shareholders’ equity Long-term borrowings $ 1,045,835 $ 1,046,104 Dividends payable, accrued expenses, and other liabilities 379,763 478,361 Total liabilities 1,425,598 1,524,465 Shareholders’ equity (1) 6,594,606 6,328,170 Total liabilities and shareholders’ equity $ 8,020,204 $ 7,852,635 (1) See Consolidated Statements of Changes in Shareholders’ Equity. Statements of Income Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Income Dividends from The Huntington National Bank $ 822,000 $ 244,000 $ — Non-bank subsidiaries 38,883 27,773 55,473 Interest from The Huntington National Bank 5,954 3,906 6,598 Non-bank subsidiaries 2,317 2,613 3,129 Other 4,529 2,994 2,148 Total income 873,683 281,286 67,348 Expense Personnel costs 4,770 53,359 52,846 Interest on borrowings 17,428 17,031 20,739 Other 92,735 52,662 36,728 Total expense 114,933 123,052 110,313 Income (loss) before income taxes and equity in undistributed net income of subsidiaries 758,750 158,234 (42,965 ) Provision (benefit) for income taxes (109,867 ) (62,897 ) (22,298 ) Income (loss) before equity in undistributed net income of subsidiaries 868,617 221,131 (20,667 ) Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank (160,567 ) 414,049 692,392 Non-bank subsidiaries (15,093 ) (2,788 ) (30,443 ) Net income $ 692,957 $ 632,392 $ 641,282 Other comprehensive income (loss) (1) (3,866 ) (8,283 ) (63,192 ) Comprehensive income $ 689,091 $ 624,109 $ 578,090 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail. Statements of Cash Flows Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Operating activities Net income $ 692,957 $ 632,392 $ 641,282 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries 175,660 (411,261 ) (718,144 ) Depreciation and amortization 609 548 513 Loss on sales of securities available-for-sale 540 — — Other, net (44,197 ) 26,685 15,965 Net cash (used for) provided by operating activities 825,569 248,364 (60,384 ) Investing activities Repayments from subsidiaries 494,905 9,250 285,792 Advances to subsidiaries (612,610 ) (32,350 ) (249,050 ) Proceeds from sale of securities available-for-sale 449 — — Cash paid for acquisitions, net of cash received — (13,452 ) — Proceeds from business divestitures 9,029 — — Net cash (used for) provided by investing activities (108,227 ) (36,552 ) 36,742 Financing activities Proceeds from issuance of long-term borrowings — — 400,000 Payment of borrowings — — (50,000 ) Dividends paid on stock (224,390 ) (198,789 ) (182,476 ) Net proceeds from issuance of common stock — 2,597 — Repurchases of common stock (251,844 ) (334,429 ) (124,995 ) Other, net 13,492 15,512 25,707 Net cash provided by (used for) financing activities (462,742 ) (515,109 ) 68,236 Change in cash and cash equivalents 254,600 (303,297 ) 44,594 Cash and cash equivalents at beginning of year 662,768 966,065 921,471 Cash and cash equivalents at end of year $ 917,368 $ 662,768 $ 966,065 Supplemental disclosure: Interest paid $ 17,384 $ 21,321 $ 20,739

BUSINESS COMBINATIONS

BUSINESS COMBINATIONS	12 Months Ended
	Dec. 31, 2015
Business Combinations [Abstract]
BUSINESS COMBINATIONS	BUSINESS COMBINATIONS MACQUARIE EQUIPMENT FINANCE On March 31, 2015 , Huntington completed its acquisition of Macquarie, subsequently rebranded Huntington Technology Finance, in a cash transaction valued at $458 million . The acquisition gives us the ability to drive added growth to our national equipment finance business as well as additional small business finance capabilities. As a result of the acquisition, Huntington recorded approximately $1.1 billion of assets and assumed $617 million of debt, securitizations, and other liabilities. Assets acquired and liabilities assumed were recorded at fair value in accordance with ASC 805, “Business Combinations”. The fair values for assets were estimated using discounted cash flow analyses using interest rates currently being offered for leases with similar terms (Level 3). This value was reduced by an estimate of probable losses and the credit risk associated with leased assets. The fair values of debt, securitizations, and other liabilities were estimated by discounting cash flows using interest rates currently being offered with similar maturities (Level 3). As part of the acquisition, Huntington recorded $156 million of goodwill, all of which is deductible for tax purposes. Pro forma results have not been disclosed, as those amounts are not significant to the audited consolidated financial statements.

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Our business segments are based on our internally-aligned segment leadership structure, which is how we monitor results and assess performance. We have five major business segments: Retail and Business Banking, Commercial Banking, Automobile Finance and Commercial Real Estate (AFCRE), Regional Banking and The Huntington Private Client Group (RBHPCG), and Home Lending. The Treasury / Other function includes our technology and operations, other unallocated assets, liabilities, revenue, and expense. Business segment results are determined based upon our management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around our organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities Revenue is recorded in the business segment responsible for the related product or service. Fee sharing is recorded to allocate portions of such revenue to other business segments involved in selling to, or providing service to customers. Results of operations for the business segments reflect these fee sharing allocations. The management accounting process that develops the business segment reporting utilizes various estimates and allocation methodologies to measure the performance of the business segments. Expenses are allocated to business segments using a two-phase approach. The first phase consists of measuring and assigning unit costs (activity-based costs) to activities related to product origination and servicing. These activity-based costs are then extended, based on volumes, with the resulting amount allocated to business segments that own the related products. The second phase consists of the allocation of overhead costs to all five business segments from Treasury / Other. We utilize a full-allocation methodology, where all Treasury / Other expenses, except reported Significant Items, and a small amount of other residual unallocated expenses, are allocated to the five business segments. We use an active and centralized Funds Transfer Pricing (FTP) methodology to attribute appropriate income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). Retail and Business Banking - The Retail and Business Banking segment provides a wide array of financial products and services to consumer and small business customers including but not limited to checking accounts, savings accounts, money market accounts, certificates of deposit, consumer loans, and small business loans. Other financial services available to consumer and small business customers include investments, insurance, interest rate risk protection, foreign exchange, and treasury management. Business Banking is defined as serving companies with revenues up to $20 million and consists of approximately 165,000 businesses Commercial Banking - Through a relationship banking model, this segment provides a wide array of products and services to the middle market, large corporate, and government public sector customers located primarily within our geographic footprint. The segment is divided into seven business units: middle market, large corporate, specialty banking, asset finance, capital markets, treasury management, and insurance. Automobile Finance and Commercial Real Estate - : This segment provides lending and other banking products and services to customers outside of our traditional retail and commercial banking segments. Our products and services include providing financing for the purchase of vehicles by customers at franchised automotive dealerships, financing the acquisition of new and used vehicle inventory of franchised automotive dealerships, and financing for land, buildings, and other commercial real estate owned or constructed by real estate developers, automobile dealerships, or other customers with real estate project financing needs. Products and services are delivered through highly specialized relationship-focused bankers and product partners. Regional Banking and The Huntington Private Client Group - Regional Banking and The Huntington Private Client Group is closely aligned with our eleven regional banking markets. The Huntington Private Client Group is organized into units consisting of The Huntington Private Bank, The Huntington Trust, and The Huntington Investment Company. Our private banking, trust, and investment functions focus their efforts in our Midwest footprint and Florida. Huntington sold Huntington Asset Advisors, Huntington Asset Services and Unified Financial Securities in the 2015 fourth quarter. Home Lending - Home Lending originates and services consumer loans and mortgages for customers who are generally located in our primary banking markets. Consumer and mortgage lending products are primarily distributed through the Retail and Business Banking segment, as well as through commissioned loan originators. Home lending earns interest on loans held in the warehouse and portfolio, earns fee income from the origination and servicing of mortgage loans, and recognizes gains or losses from the sale of mortgage loans. Home Lending supports the origination and servicing of mortgage loans across all segments. Listed below is certain financial information reconciled to Huntington’s December 31, 2015 , December 31, 2014 , and December 31, 2013 , reported results by business segment: Income Statements (dollar amounts in thousands) Retail & Business Banking Commercial Banking AFCRE RBHPCG Home Lending Treasury / Other Huntington Consolidated 2015 Net interest income $ 1,030,238 $ 365,181 $ 381,189 $ 115,608 $ 65,884 $ (7,363 ) $ 1,950,737 Provision for credit losses 42,828 49,460 4,931 65 2,670 — 99,954 Noninterest income 440,261 258,191 29,257 153,160 87,021 70,840 1,038,730 Noninterest expense 1,029,727 283,448 152,010 254,380 157,266 99,077 1,975,908 Provision (benefit) for income taxes 139,280 101,662 88,727 5,013 (2,461 ) (111,573 ) 220,648 Net income (loss) $ 258,664 $ 188,802 $ 164,778 $ 9,310 $ (4,570 ) $ 75,973 $ 692,957 2014 Net interest income $ 912,992 $ 306,434 $ 379,363 $ 101,839 $ 58,015 $ 78,498 $ 1,837,141 Provision (Benefit) for credit losses 75,529 31,521 (52,843 ) 4,893 21,889 — 80,989 Noninterest income 409,746 209,238 26,628 173,550 69,899 90,118 979,179 Noninterest expense 982,288 249,300 156,715 236,634 136,374 121,035 1,882,346 Provision (benefit) for income taxes 92,722 82,198 105,742 11,852 (10,622 ) (61,299 ) 220,593 Net income (loss) $ 172,199 $ 152,653 $ 196,377 $ 22,010 $ (19,727 ) $ 108,880 $ 632,392 2013 Net interest income $ 902,526 $ 281,461 $ 366,508 $ 105,862 $ 51,839 $ (3,588 ) $ 1,704,608 Provision (Benefit) for credit losses 137,978 27,464 (82,269 ) (5,376 ) 12,249 (1 ) 90,045 Noninterest income 398,065 200,573 46,819 186,430 106,006 74,303 1,012,196 Noninterest expense 964,193 254,629 156,469 236,895 141,489 4,328 1,758,003 Provision (benefit) for income taxes 69,447 69,979 118,694 21,271 1,437 (53,354 ) 227,474 Net income $ 128,973 $ 129,962 $ 220,433 $ 39,502 $ 2,670 $ 119,742 $ 641,282 Assets at December 31, Deposits at December 31, (dollar amounts in thousands) 2015 2014 2015 2014 Retail & Business Banking $ 15,822,568 $ 15,146,857 $ 30,875,607 $ 29,350,255 Commercial Banking 16,943,458 15,043,477 11,424,778 11,184,566 AFCRE 17,855,600 16,027,910 1,651,702 1,377,921 RBHPCG 3,458,847 3,871,020 7,690,581 6,727,892 Home Lending 3,917,198 3,949,247 361,881 326,841 Treasury / Other 13,046,880 12,259,499 3,290,430 2,764,676 Total $ 71,044,551 $ 66,298,010 $ 55,294,979 $ 51,732,151

QUARTERLY RESULTS OF OPERATIONS

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)	QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) The following is a summary of the quarterly results of operations, for the years ended December 31, 2015 and 2014 : Three months ended December 31, September 30, June 30, March 31, (dollar amounts in thousands, except per share data) 2015 2015 2015 2015 Interest income $ 544,153 $ 538,477 $ 529,795 $ 502,096 Interest expense 47,242 43,022 39,109 34,411 Net interest income 496,911 495,455 490,686 467,685 Provision for credit losses 36,468 22,476 20,419 20,591 Noninterest income 272,215 253,119 281,773 231,623 Noninterest expense 498,766 526,508 491,777 458,857 Income before income taxes 233,892 199,590 260,263 219,860 Provision for income taxes 55,583 47,002 64,057 54,006 Net income 178,309 152,588 196,206 165,854 Dividends on preferred shares 7,972 7,968 7,968 7,965 Net income applicable to common shares $ 170,337 $ 144,620 $ 188,238 $ 157,889 Net income per common share — Basic $ 0.21 $ 0.18 $ 0.23 $ 0.19 Net income per common share — Diluted 0.21 0.18 0.23 0.19 Three months ended December 31, September 30, June 30, March 31, (dollar amounts in thousands, except per share data) 2014 2014 2014 2014 Interest income $ 507,625 $ 501,060 $ 495,322 $ 472,455 Interest expense 34,373 34,725 35,274 34,949 Net interest income 473,252 466,335 460,048 437,506 Provision for credit losses 2,494 24,480 29,385 24,630 Noninterest income 233,278 247,349 250,067 248,485 Noninterest expense 483,271 480,318 458,636 460,121 Income before income taxes 220,765 208,886 222,094 201,240 Provision for income taxes 57,151 53,870 57,475 52,097 Net income 163,614 155,016 164,619 149,143 Dividends on preferred shares 7,963 7,964 7,963 7,964 Net income applicable to common shares $ 155,651 $ 147,052 $ 156,656 $ 141,179 Net income per common share — Basic $ 0.19 $ 0.18 $ 0.19 $ 0.17 Net income per common share — Diluted 0.19 0.18 0.19 0.17

SUBSEQUENT EVENTS (Notes)

SUBSEQUENT EVENTS (Notes)	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS On January 26, 2016, Huntington announced the signing of a definitive merger agreement under which Ohio-based FirstMerit Corporation, the parent company of FirstMerit Bank, will merge into Huntington in a stock and cash transaction valued at approximately $3.4 billion based on the closing stock price on the day preceding the announcement. FirstMerit Corporation is a diversified financial services company headquartered in Akron, Ohio, which reported assets of approximately $25.5 billion based on their December 31, 2015 unaudited balance sheet. Under the terms of the agreement, shareholders of FirstMerit Corporation will receive 1.72 shares of Huntington common stock, and $5.00 in cash, for each share of FirstMerit Corporation common stock. The transaction is expected to be completed in the 2016 third quarter, subject to the satisfaction of customary closing conditions, including regulatory approvals and the approval of the shareholders of Huntington and FirstMerit Corporation.

SIGNIFICANT ACCOUNTING POLICI35

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances have been eliminated in consolidation. Companies in which Huntington holds more than a 50% voting equity interest, or a controlling financial interest, or are a VIE in which Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE which could potentially be significant to the VIE are consolidated. VIEs are legal entities with insubstantial equity, whose equity investors lack the ability to make decisions about the entity’s activities, or whose equity investors do not have the right to receive the residual returns of the entity if they occur. VIEs in which Huntington does not hold the power to direct the activities of the entity that most significantly impact the entity’s economic performance or does not have an obligation to absorb losses or the right to receive benefits from the VIE which could potentially be significant to the VIE are not consolidated. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by others and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to other’s interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Those investments in nonmarketable securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in Accrued income and other assets and Huntington’s proportional interest in the equity investments’ earnings are included in other noninterest income. Investment interests accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes deferred tax assets, and contingent liabilities, as well as fair value measurements of investment securities, derivatives, goodwill, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statement of cash flows purposes, cash and cash equivalents are defined as the sum of Cash and due from banks, which includes amounts on deposit with the Federal Reserve and Federal funds sold and securities purchased under resale agreements. Certain prior period amounts have been reclassified to conform to the current year’s presentation.
Resale and Repurchase Agreements	Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is continually monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement.
Securities	Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income, except for gains and losses on trading account securities used to hedge the fair value of MSRs, which are included in mortgage banking income. Debt securities purchased in which Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt and equity securities are classified as available-for-sale and other securities. Unrealized gains or losses on available-for-sale and other securities are reported as a separate component of accumulated OCI in the Consolidated Statements of Changes in Shareholders’ Equity. Credit-related declines in the value of debt securities that are considered other-than-temporary are recorded in noninterest income. Huntington evaluates its investment securities portfolio on a quarterly basis for indicators of OTTI. Huntington assesses whether OTTI has occurred when the fair value of a debt security is less than the amortized cost basis at the balance sheet date. Management reviews the amount of unrealized loss, the length of time the security has been in an unrealized loss position, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. OTTI is considered to have occurred (1) if Huntington intends to sell the security; (2) if it is more likely than not Huntington will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows are not sufficient to recover all contractually required principal and interest payments. For securities that Huntington does not expect to sell, or it is not more likely than not to be required to sell, the OTTI is separated into credit and noncredit components. A discounted cash flow analysis, which includes evaluating the timing of the expected cash flows, is completed for all debt securities subject to credit impairment. The measurement of the credit loss component is equal to the difference between the debt security’s cost basis and the present value of its expected future cash flows discounted at the security’s effective yield. The credit-related OTTI, represented by the expected loss in principal, is recognized in noninterest income. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit-related and, therefore, are recognized in OCI. Huntington believes that it will fully collect the carrying value of securities on which noncredit-related OTTI has been recognized in OCI. Noncredit-related OTTI results from other factors, including increased liquidity spreads and extension of the security. For securities which Huntington does expect to sell, or if it is more likely than not Huntington will be required to sell the security before recovery of its amortized cost basis, all OTTI is recognized in earnings. Presentation of OTTI is made in the Consolidated Statements of Income on a gross basis with a reduction for the amount of OTTI recognized in OCI. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest and dividends on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, are included in interest income. Nonmarketable equity securities include stock acquired for regulatory purposes, such as Federal Home Loan Bank stock and Federal Reserve Bank stock. These securities are accounted for at cost, evaluated for impairment, and included in available-for-sale and other securities.
Loans and Leases	Loans and Leases — Loans and direct financing leases for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Consolidated Balance Sheets as loans and leases. Except for loans for which the fair value option has been elected, loans and leases are carried at the principal amount outstanding, net of unamortized deferred loan origination fees and costs and net of unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income. Interest income is accrued as earned using the interest method based on unpaid principal balances. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at a premium and at a discount to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs on a level-yield basis over the estimated lives of the related loans, which would not include purchased credit impaired loans. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the amortization period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Residual values on leased equipment are evaluated quarterly for impairment. Impairment of the residual values of direct financing leases determined to be other than temporary is recognized by writing the leases down to fair value with a charge to other noninterest expense. Residual value losses arise if the expected fair value at the end of the lease term is less than the residual value recorded at the lease origination, net of estimated amounts reimbursable by the lessee. Future declines in the expected residual value of the leased equipment would result in expected losses of the leased equipment. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable.
Loans Held for Sale	Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale (excluding loans originated or acquired with the intent to sell, which are carried at fair value) are carried at the lower of cost or fair value less cost to sell. The fair value option is generally elected for mortgage loans held for sale to facilitate hedging of the loans. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans. Nonmortgage loans held for sale are measured on an aggregate asset basis.
Allowance for Credit Losses	Allowance for Credit Losses — Huntington maintains two reserves, both of which reflect management’s judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change. The appropriateness of the ACL is based on management’s current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. In addition to general economic conditions and the other factors described above, additional factors also considered include: the impact of increasing or decreasing residential real estate values; the diversification of CRE loans; the development of new or expanded Commercial business segments such as healthcare, ABL, leveraged lending, and energy, and the overall condition of the manufacturing industry. Also, the ACL assessment includes the on-going assessment of credit quality metrics, and a comparison of certain ACL benchmarks to current performance. The ALLL consists of two components: (1) the transaction reserve, which includes a loan level allocation, specific reserves related to loans considered to be impaired, and loans involved in troubled debt restructurings, and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics and (2) an estimate of loss based on an impairment review of each impaired C&I and CRE loan where obligor balance is greater than $1.0 million . For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying a PD factor and a LGD factor to each individual loan based on a regularly updated loan grade, using a standardized loan grading system. The PD factor and an LGD factor are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower’s industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data. In the case of more homogeneous portfolios, such as automobile loans, home equity loans, and residential mortgage loans, the determination of the transaction reserve also incorporates PD and LGD factors. The estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used. The credit score provides a basis for understanding the borrower’s past and current payment performance, and this information is used to estimate expected losses over the emergence period. The performance of first-lien loans ahead of our junior-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as required. The general reserve consists of various risk-profile reserve components. The risk-profile component considers items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, management quality, concentrations, portfolio composition, industry comparisons, and internal review functions. The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering a historical utilization of unused commitments. The AULC is recorded in Accrued expenses and other liabilities in the Consolidated Balance Sheets.
Nonaccrual and Past Due Loans	Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower. All classes within the C&I and CRE portfolios (except for purchased credit-impaired loans) are placed on nonaccrual status at 90 -days past due. First-lien home equity loans are placed on nonaccrual status at 150 -days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120 -days past due or when the related first-lien loan has been identified as nonaccrual. Automobile and other consumer loans are generally charged-off when the loan is 120 -days past due. Residential mortgage loans are placed on nonaccrual status at 150 -days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. We are reimbursed from the government agency for reasonable expenses incurred in servicing loans. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income is reversed with current year accruals charged to interest income, and prior year amounts charged-off as a credit loss. For all classes within all loan portfolios, cash receipts received on NALs are applied against principal until the loan or lease has been collected in full, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Regarding all classes within the C&I and CRE portfolios, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For these loans that have been returned to accrual status, cash receipts are applied according to the contractual terms of the loan.
Charge-off of Uncollectible Loans	Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs. C&I and CRE loans are either charged-off or written down to net realizable value at 90 -days past due. Automobile loans and other consumer loans are charged-off at 120 -days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150 -days past due and 120 -days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150 -days past due.
Impaired Loans	Impaired Loans — For all classes within the C&I and CRE portfolios, all loans with an obligor balance of $1.0 million or greater are evaluated on a quarterly basis for impairment. Except for TDRs, consumer loans within any class are generally not individually evaluated on a regular basis for impairment. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Loans acquired with evidence of deterioration in credit quality since origination for which it is probable at acquisition that all contractually required payments will not be collected are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral, less anticipated selling costs, if the loan is collateral dependent. When the present value of expected future cash flows is used, the effective interest rate is the original contractual interest rate of the loan adjusted for any cost, fee, premium, or discount. When the contractual interest rate is variable, the effective interest rate of the loan changes over time. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan’s expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve. When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts received on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full (including already charged-off portion), after which time any additional cash receipts are recognized as interest income. Cash receipts received on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired. Purchased Credit-Impaired Loans — Purchased loans with evidence of deterioration in credit quality since origination for which it is probable at acquisition that we will be unable to collect all contractually required payments are considered to be credit impaired. Purchased credit-impaired loans are initially recorded at fair value, which is estimated by discounting the cash flows expected to be collected at the acquisition date. Because the estimate of expected cash flows reflects an estimate of future credit losses expected to be incurred over the life of the loans, an allowance for credit losses is not recorded at the acquisition date. The excess of cash flows expected at acquisition over the estimated fair value, referred to as the accretable yield, is recognized in interest income over the remaining life of the loan, or pool of loans, on a level-yield basis. The difference between the contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. A subsequent decrease in the estimate of cash flows expected to be received on purchased credit-impaired loans generally results in the recognition of an allowance for credit losses. Subsequent increases in cash flows result in reversal of any nonaccretable difference (or allowance for loan and lease losses to the extent any has been recorded) with a positive impact on interest income subsequently recognized. The measurement of cash flows involves assumptions and judgments for interest rates, prepayments, default rates, loss severity, and collateral values. All of these factors are inherently subjective and significant changes in the cash flow estimates over the life of the loan can result.
Transfers of Financial Assets and Securitizations	Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, we consider whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from us or any of our consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to us, and (iii) neither we nor our consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides us with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require us to repurchase the transferred assets at a price so favorable that it is probable that it will require us to repurchase them. If the sale criteria are met, the transferred financial assets are removed from our balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on our balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not we have surrendered control. For other transfers, such as in connection with complex transactions or where we have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. We have historically securitized certain automobile receivables. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold.
Derivative Financial Instruments	Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in accrued income and other assets or accrued expenses and other liabilities, respectively) and measured at fair value. On the date a derivative contract is entered into, we designate it as either: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset liability or forecasted transaction (cash flow hedge); or • a trading instrument or a non-qualifying (economic) hedge. Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge, to the extent effective as a hedge, are recorded in accumulated other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Ineffectiveness in the hedging relationship is reflected in current period earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument and how ineffectiveness will be measured. The methods utilized to assess retrospective hedge effectiveness, as well as the frequency of testing, vary based on the type of item being hedged and the designated hedge period. For specifically designated fair value hedges of certain fixed-rate debt, Huntington utilizes the short-cut method when certain criteria are met. For other fair value hedges of fixed-rate debt, including certificates of deposit, Huntington utilizes the regression method to evaluate hedge effectiveness on a quarterly basis. For fair value hedges of portfolio loans, the regression method is used to evaluate effectiveness on a daily basis. For cash flow hedges, the regression method is applied on a quarterly basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value or cash flows of a hedged item (including firm commitments or forecasted transactions); • the derivative expires or is sold, terminated, or exercised; • it is unlikely that a forecasted transaction will occur; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued because it is determined that the derivative no longer qualifies as an effective fair value or cash flow hedge, the derivative will continue to be carried on the balance sheet at fair value. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the effective portion of the changes in fair value of the hedging derivative will no longer be recorded to other comprehensive income. The balance applicable to the discontinued hedging relationship will be recognized in earnings over the remaining life of the hedged item as an adjustment to yield. If the discontinued hedged item was a forecasted transaction that is not expected to occur, any amounts recorded on the balance sheet related to the hedged item, including any amounts recorded in accumulated other comprehensive income, are immediately reclassified to current period earnings. In the case of either a fair value hedge or a cash flow hedge, if the previously hedged item is sold or extinguished, the basis adjustment to the underlying asset or liability or any remaining unamortized other comprehensive income balance will be reclassified to current period earnings. In all other situations in which hedge accounting is discontinued, the derivative will be carried at fair value on the consolidated balance sheets, with changes in its fair value recognized in current period earnings unless re-designated as a qualifying hedge. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated through careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instrument(s) recognized at fair value executed with the same counterparty under a master netting arrangement.
Repossessed Collateral	Repossessed Collateral — Repossessed collateral, also referred to as other real estate owned (OREO), is comprised principally of commercial and residential real estate properties obtained in partial or total satisfaction of loan obligations, and is carried at fair value. Collateral obtained in satisfaction of a loan is recorded at the estimated fair value less anticipated selling costs based upon the property’s appraised value at the date of foreclosure, with any difference between the fair value of the property and the carrying value of the loan recorded as a charge-off. If the fair value is higher than the carrying amount of the loan the excess is recognized first as a recovery and then as noninterest income. Subsequent declines in value are reported as adjustments to the carrying amount and are recorded in noninterest expense. Gains or losses resulting from the sale of collateral are recognized in noninterest expense at the date of sale.
Collateral	Collateral — We pledge assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on our Consolidated Balance Sheets. We also accept collateral, primarily as part of various transactions including derivative and security resale agreements. Collateral accepted by us, including collateral that we can sell or repledge, is excluded from our Consolidated Balance Sheets. The market value of collateral we have accepted or pledged is regularly monitored and additional collateral is obtained or provided as necessary to ensure appropriate collateral coverage in these transactions.
Premises and Equipment	Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Premises and equipment is evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Mortgage Servicing Rights	Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as separate assets, which are included in Accrued income and other assets in the Consolidated Balance Sheets when purchased, or when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained. For loan sales with servicing retained, a servicing asset is recorded on the day of the sale at fair value for the right to service the loans sold. To determine the fair value of a MSR, Huntington uses an option adjusted spread cash flow analysis incorporating market implied forward interest rates to estimate the future direction of mortgage and market interest rates. The forward rates utilized are derived from the current yield curve for U.S. dollar interest rate swaps and are consistent with pricing of capital markets instruments. The current and projected mortgage interest rate influences the prepayment rate and, therefore, the timing and magnitude of the cash flows associated with the MSR. Servicing revenues on mortgage loans are included in mortgage banking income. At the time of initial capitalization, MSRs may be grouped into servicing classes based on the availability of market inputs used in determining fair value and the method used for managing the risks of the servicing assets. MSR assets are recorded using the fair value method or the amortization method. The election of the fair value or amortization method is made at the time each servicing class is established. All newly created MSRs since 2009 were recorded using the amortization method. Any change in the fair value of MSRs carried under the fair value method, as well as amortization and impairment of MSRs under the amortization method, during the period is recorded in mortgage banking income, which is reflected in the Consolidated Statements of Income. Huntington economically hedges the value of certain MSRs using derivative instruments and trading securities. Changes in fair value of these derivatives and trading securities are reported as a component of mortgage banking income.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of the acquisition over the fair value of net assets acquired is recorded as goodwill. Other intangible assets are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Pension and Other Postretirement Benefits	Pension and Other Postretirement Benefits — We recognize the funded status of the postretirement benefit plans on the Consolidated Balance Sheets. Net postretirement benefit cost charged to current earnings related to these plans is based on various actuarial assumptions regarding expected future experience. Certain employees are participants in various defined contribution and other non-qualified supplemental retirement plans. Our contributions to these plans are charged to current earnings. In addition, we maintain a 401(k) plan covering substantially all employees. Employer contributions to the plan, which are charged to current earnings, are based on employee contributions.
Share-Based Compensation	Share-Based Compensation — We use the fair value based method of accounting for awards of HBAN stock granted to employees under various stock option and restricted share plans. Stock compensation costs are recognized prospectively for all new awards granted under these plans. Compensation expense relating to share options is calculated using a methodology that is based on the underlying assumptions of the Black-Scholes option pricing model and is charged to expense over the requisite service period (e.g. vesting period). Compensation expense relating to restricted stock awards is based upon the fair value of the awards on the date of grant and is charged to earnings over the requisite service period (e.g., vesting period) of the award.
Stock Repurchases	Stock Repurchases — Acquisitions of Huntington stock are recorded at cost. The re-issuance of shares is recorded at weighted-average cost.
Income Taxes	Income Taxes — Income taxes are accounted for under the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future book and tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are determined using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income at the time of enactment of such change in tax rates. Any interest or penalties due for payment of income taxes are included in the provision for income taxes. To the extent that we do not consider it more likely than not that a deferred tax asset will be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed when determining how much of a valuation allowance is recognized on a quarterly basis. In determining the requirements for a valuation allowance, sources of possible taxable income are evaluated including future reversals of existing taxable temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in appropriate carryback years, and tax-planning strategies. Huntington applies a more likely than not recognition threshold for all tax uncertainties.
Bank Owned Life Insurance	Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank.
Fair Value Measurements	Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
Segment Results	Segment Results — Accounting policies for the business segments are the same as those used in the preparation of the Consolidated Financial Statements with respect to activities specifically attributable to each business segment. However, the preparation of business segment results requires management to establish methodologies to allocate funding costs and benefits, expenses, and other financial elements to each business segment.
Accounting Standards Update	ASU 2014-04—Receivables (Topic 310): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The ASU clarifies that an in substance repossession or foreclosure occurs upon either the creditor obtaining legal title to the residential real estate property or the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. The amendments were effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2014. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2014-09—Revenue from Contracts with Customers (Topic 606): The amendments in ASU 2014-09 supersede the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance. The general principle of the amendments require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance sets forth a five step approach to be utilized for revenue recognition. The amendments were originally effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Subsequently, the FASB issued a one-year deferral for implementation, which results in new guidance being effective for annual and interim reporting periods beginning after December 15, 2017. The FASB, however, permitted adoption of the new guidance on the original effective date. Management is currently assessing the impact on Huntington’s Consolidated Financial Statements. ASU 2014-11—Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in the ASU require repurchase-to-maturity transactions to be recorded and accounted for as secured borrowings. Amendments to Topic 860 also require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty (i.e., a repurchase financing), which will result in secured borrowing accounting for the repurchase agreement, as well as additional required disclosures. The accounting amendments and disclosures are effective for interim and annual periods beginning after December 15, 2014. The disclosures for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings are required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2014-12—Compensation—Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. The amendments require that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. Specifically, if the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Management is currently assessing the impact on Huntington’s Consolidated Financial Statements. ASU 2014-14—Receivables—Troubled Debt Restructurings by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. The amendments require a mortgage loan to be derecognized and a separate receivable to be recognized upon foreclosure if the loan has a government guarantee that is non-separable from the loan before foreclosure, the creditor has the ability and intent to convey the real estate property to the guarantor, and any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Additionally, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor upon foreclosure. The amendments were effective for annual periods and interim periods within those annual periods beginning after December 15, 2014. The amendments did not have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-02—Consolidation (Topic 810) Amendments to the Consolidation Analysis . The amendment applies to entities in all industries and provides a new scope exception for registered money market funds and similar unregistered money market funds. It also makes targeted amendments to the current consolidation guidance and ends the deferral granted to investment companies from applying the variable interest entity accounting guidance. The amendments are effective for annual periods beginning after December 15, 2015. The amendments are not expected to have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-03—Imputation of Interest (Topic 835): Simplifying the Presentation of Debt Issuance Costs. This ASU was issued to simplify presentation of debt issuance costs. The amendments in this ASU require debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. Subsequently, the FASB issued ASU 2015-15 to amend the SEC paragraph related to debt issuance cost. The amendment applies to debt issuance costs related to a line-of-credit arrangement which may be presented as an asset. The cost related to the line-of credit should be subsequently amortized ratably over the term of the line-of-credit arrangement. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. The amendment is not expected to have a material impact on Huntington’s Consolidated Financial Statements. ASU 2015-10—Technical Corrections and Improvements. The technical corrections and improvements included in the ASU are issued in June 2015 with an objective to clarify the Accounting Standards Codification (“Codification”), correct unintended application of guidance, or make minor improvements to the Codification that are minor in nature. One of the corrections is related to disclosure of fair value for non-recurring items. The ASU requires disclosure of fair value for non-recurring items at the relevant measurement date where the fair value is not measured at the end of the reporting period. Also, for nonrecurring measurements estimated at a date during the reporting period other than the end of the reporting period, a reporting entity shall clearly indicate that the fair value information presented is not as of the period’s end as well as the date or period that the measurement was taken. The technical correction is effective upon issuance. The correction in the ASU does not have a significant impact on Huntington’s Consolidated Financial Statements. ASU 2015-16 — Simplifying the Accounting for Measurement-Period Adjustments. The amendments in this Update require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer is required to record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The amendments require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date. The Update is effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. The amendments in this Update should be applied prospectively to adjustments to provisional amounts that occur after the effective date of this Update with earlier application permitted. Management will continue to monitor the applicability of this amendment to Huntington’s Consolidated Financial Statements. ASU 2016-01 — Recognition and Measurement of Financial Assets and Financial Liabilities. The amendments in this Update make targeted improvements to GAAP including, but not limited to, requiring an entity to measure its equity investments (i.e., investment that are not accounted for using equity method of accounting or are consolidated) with changes in the fair value recognized in the income statement, requiring an entity to present separately in OCI the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments (i.e., FVO liability), requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, and eliminating some of the disclosures required by the existing GAAP while requiring entities to present and disclose some additional information. The new guidance is effective for the fiscal period beginning after December 15, 2017, including interim periods within those fiscal years. An entity may, however, choose to adopt the requirement to present separately the credit mark on FVO liability earlier at the beginning of any fiscal year if the financial statements for the fiscal year or interim periods have not been issued. An entity should apply the amendments by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendment is not expected to have a material impact on Huntington's Consolidated Financial Statements.
Consolidated VIEs	Consolidated VIEs Consolidated VIEs at December 31, 2015 , consisted of certain loan and lease securitization trusts. Huntington has determined the trusts are VIEs. Huntington has concluded that it is the primary beneficiary of these trusts because it has the power to direct the activities of the entity that most significantly affect the entity’s economic performance and it has either the obligation to absorb losses of the entity that could potentially be significant to the VIE or the right to receive benefits from the entity that could potentially be significant to the VIE.
Commitments and Contingencies	Through the Company’s credit process, Huntington monitors the credit risks of outstanding standby letters-of-credit. When it is probable that a standby letter-of-credit will be drawn and not repaid in full, losses are recognized in the provision for credit losses.

LOANS AND LEASES AND ALLOWANC36

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Schedule of financing receivable portfolio segments	The table below summarizes the Company’s primary portfolios. For ACL purposes, these portfolios are further disaggregated into classes which are also summarized in the table below. Portfolio Class Commercial and industrial Owner occupied Purchased credit-impaired Other commercial and industrial Commercial real estate Retail properties Multi family Office Industrial and warehouse Purchased credit-impaired Other commercial real estate Automobile NA (1) Home equity Secured by first-lien Secured by junior-lien Residential mortgage Residential mortgage Purchased credit-impaired Other consumer Other consumer Purchased credit-impaired (1) Not applicable. The automobile loan portfolio is not further segregated into classes.
Lease financing receivables	Net investments in lease financing receivables by category at December 31, 2015 and 2014 were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Commercial and industrial: Lease payments receivable $ 1,551,885 $ 1,051,744 Estimated residual value of leased assets 711,181 483,407 Gross investment in commercial lease financing receivables 2,263,066 1,535,151 Net deferred origination costs 7,068 2,557 Unearned income (208,669 ) (131,027 ) Total net investment in commercial lease financing receivables $ 2,061,465 $ 1,406,681
Loans acquired with deteriorated credit quality	The following table presents a rollforward of the accretable yield by acquisition for the year ended December 31, 2015 and 2014 : (dollar amounts in thousands) 2015 2014 Fidelity Bank Balance at January 1, $ 19,388 $ 27,995 Accretion (11,032 ) (13,485 ) Reclassification from nonaccretable difference 7,856 4,878 Balance at December 31, $ 16,212 $ 19,388 Camco Financial Balance at January 1, $ 824 $ — Impact of acquisition on March 1, 2014 — 143 Accretion (1,380 ) (5,597 ) Reclassification from nonaccretable difference 556 6,278 Balance at December 31, $ — $ 824 The following table reflects the ending and unpaid balances of all contractually required payments and carrying amounts of the acquired loans by acquisition at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 (dollar amounts in thousands) Ending Unpaid Ending Unpaid Fidelity Bank Commercial and industrial $ 21,017 $ 30,676 $ 22,405 $ 33,622 Commercial real estate 13,758 55,358 36,663 87,250 Residential mortgage 1,454 2,189 1,912 3,096 Other consumer 52 101 51 123 Total $ 36,281 $ 88,324 $ 61,031 $ 124,091 Camco Financial Commercial and industrial $ — $ — $ 823 $ 1,685 Commercial real estate — — 1,708 3,826 Residential mortgage — — — — Other consumer — — — — Total $ — $ — $ 2,531 $ 5,511
Loan Purchases and Sales	The following table summarizes significant portfolio loan purchase and sale activity for the years ended December 31, 2015 and 2014 . The table below excludes mortgage loans originated for sale. Commercial and Industrial Commercial Real Estate Automobile (1) Home Equity Residential Mortgage Other Consumer Total (dollar amounts in thousands) Portfolio loans purchased during the: Year ended December 31, 2015 $ 316,252 $ — $ — $ — $ 20,463 $ — $ 336,715 Year ended December 31, 2014 326,557 — — — 18,482 — 345,039 Portfolio loans sold or transferred to loans held for sale during the: Year ended December 31, 2015 380,713 — 764,540 96,786 — — 1,242,039 Year ended December 31, 2014 352,062 8,447 — — — 7,592 368,101 (1) Reflects the transfer of approximately $1.0 billion of automobile loans to loans held-for-sale at March 31, 2015, net of approximately $262 million of automobile loans transferred to loans and leases in the 2015 second quarter.
Nonaccrual loans by loan class	The following table presents NALs by loan class for the years ended December 31, 2015 and 2014 : December 31, (dollar amounts in thousands) 2015 2014 Commercial and industrial: Owner occupied $ 35,481 $ 41,285 Other commercial and industrial 139,714 30,689 Total commercial and industrial 175,195 71,974 Commercial real estate: Retail properties 7,217 21,385 Multi family 5,819 9,743 Office 10,495 7,707 Industrial and warehouse 2,202 3,928 Other commercial real estate 3,251 5,760 Total commercial real estate 28,984 48,523 Automobile 6,564 4,623 Home equity: Secured by first-lien 35,389 46,938 Secured by junior-lien 30,889 31,622 Total home equity 66,278 78,560 Residential mortgage 94,560 96,564 Other consumer — — Total nonaccrual loans $ 371,581 $ 300,244
Aging analysis of loans and leases	The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class for the years ended December 31, 2015 and 2014 (1): December 31, 2015 Past Due Total Loans 90 or more (dollar amounts in thousands) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial: Owner occupied $ 11,947 $ 3,613 $ 13,793 $ 29,353 $ 3,983,447 $ 4,012,800 $ — Purchased credit-impaired 292 1,436 5,949 7,677 13,340 21,017 5,949 (3) Other commercial and industrial 32,476 8,531 27,236 68,243 16,457,774 16,526,017 2,775 (2) Total commercial and industrial 44,715 13,580 46,978 105,273 20,454,561 20,559,834 8,724 Commercial real estate: Retail properties 1,823 195 3,637 5,655 1,501,054 1,506,709 — Multi family 961 1,137 2,691 4,789 1,073,429 1,078,218 — Office 5,022 256 3,016 8,294 886,331 894,625 — Industrial and warehouse 93 — 373 466 503,701 504,167 — Purchased credit-impaired 102 3,818 9,549 13,469 289 13,758 9,549 (3) Other commercial real estate 1,231 315 2,400 3,946 1,267,228 1,271,174 — Total commercial real estate 9,232 5,721 21,666 36,619 5,232,032 5,268,651 9,549 Automobile 69,553 14,965 7,346 91,864 9,388,814 9,480,678 7,162 Home equity: Secured by first-lien 18,349 7,576 26,304 52,229 5,139,256 5,191,485 4,499 Secured by junior-lien 18,128 9,329 29,996 57,453 3,221,544 3,278,997 4,545 Total home equity 36,477 16,905 56,300 109,682 8,360,800 8,470,482 9,044 Residential mortgage: Residential mortgage 102,670 34,298 119,354 256,322 5,740,624 5,996,946 69,917 (4) Purchased credit-impaired 103 — — 103 1,351 1,454 — Total residential mortgage 102,773 34,298 119,354 256,425 5,741,975 5,998,400 69,917 Other consumer: Other consumer 6,469 1,852 1,395 9,716 553,286 563,002 1,394 Purchased credit-impaired — — — — 52 52 — Total other consumer 6,469 1,852 1,395 9,716 553,338 563,054 1,394 Total loans and leases $ 269,219 $ 87,321 $ 253,039 $ 609,579 $ 49,731,520 $ 50,341,099 $ 105,790 December 31, 2014 Past Due Total Loans 90 or more (dollar amounts in thousands) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial: Owner occupied $ 5,232 $ 2,981 $ 18,222 $ 26,435 $ 4,228,440 $ 4,254,875 $ — Purchased credit-impaired 846 — 4,937 5,783 17,445 23,228 4,937 (3) Other commercial and industrial 15,330 1,536 9,101 25,967 14,729,076 14,755,043 — Total commercial and industrial 21,408 4,517 32,260 58,185 18,974,961 19,033,146 4,937 Commercial real estate: Retail properties 7,866 — 4,021 11,887 1,345,859 1,357,746 — Multi family 1,517 312 3,337 5,166 1,085,250 1,090,416 — Office 464 1,167 4,415 6,046 974,257 980,303 — Industrial and warehouse 688 — 2,649 3,337 510,064 513,401 — Purchased credit-impaired 89 289 18,793 19,171 19,200 38,371 18,793 (3) Other commercial real estate 847 1,281 3,966 6,094 1,211,072 1,217,166 — Total commercial real estate 11,471 3,049 37,181 51,701 5,145,702 5,197,403 18,793 Automobile 56,272 10,427 5,963 72,662 8,617,240 8,689,902 5,703 Home equity Secured by first-lien 15,036 8,085 33,014 56,135 5,072,669 5,128,804 4,471 Secured by junior-lien 22,473 12,297 33,406 68,176 3,293,935 3,362,111 7,688 Total home equity 37,509 20,382 66,420 124,311 8,366,604 8,490,915 12,159 Residential mortgage Residential mortgage 102,702 42,009 139,379 284,090 5,544,607 5,828,697 88,052 (5) Purchased credit-impaired — — — — 1,912 1,912 — Total residential mortgage 102,702 42,009 139,379 284,090 5,546,519 5,830,609 88,052 Other consumer Other consumer 5,491 1,086 837 7,414 406,286 413,700 837 Purchased credit-impaired — — — — 51 51 — Total other consumer 5,491 1,086 837 7,414 406,337 413,751 837 Total loans and leases $ 234,853 $ 81,470 $ 282,040 $ 598,363 $ 47,057,363 $ 47,655,726 $ 130,481 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include Huntington Technology Finance administrative lease delinquencies. (3) Amounts represent accruing purchased impaired loans related to acquisitions. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status. (4) Includes $56 million guaranteed by the U.S. government. (5) Includes $55 million guaranteed by the U.S. government.
ALLL and AULC activity by portfolio segment	The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total Year ended December 31, 2015: ALLL balance, beginning of period $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 Loan charge-offs (79,724 ) (18,076 ) (36,489 ) (36,481 ) (15,696 ) (31,415 ) (217,881 ) Recoveries of loans previously charged-off 51,800 34,619 16,198 16,631 5,570 5,270 130,088 Provision (reduction in allowance) for loan and lease losses 39,675 (19,375 ) 38,621 12,173 5,443 12,142 88,679 Write-downs of loans sold or transferred to loans held for sale — — (2,292 ) (5,065 ) (882 ) — (8,239 ) ALLL balance, end of period $ 298,746 $ 100,007 $ 49,504 $ 83,671 $ 41,646 $ 24,269 $ 597,843 AULC balance, beginning of period $ 48,988 $ 6,041 $ — $ 1,924 $ 8 $ 3,845 $ 60,806 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 6,898 1,521 — 144 10 2,702 11,275 AULC balance, end of period $ 55,886 $ 7,562 $ — $ 2,068 $ 18 $ 6,547 $ 72,081 ACL balance, end of period $ 354,632 $ 107,569 $ 49,504 $ 85,739 $ 41,664 $ 30,816 $ 669,924 Year ended December 31, 2014: ALLL balance, beginning of period $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870 Loan charge-offs (76,654 ) (24,704 ) (31,330 ) (54,473 ) (25,946 ) (33,494 ) (246,601 ) Recoveries of loans previously charged-off 44,531 34,071 13,762 17,526 6,194 5,890 121,974 Provision (reduction in allowance) for loan and lease losses 53,317 (69,085 ) 19,981 22,229 27,386 29,254 83,082 Write-downs of loans sold or transferred to loans held for sale — — — — — (1,129 ) (1,129 ) ALLL balance, end of period $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 AULC balance, beginning of period $ 49,596 $ 9,891 $ — $ 1,763 $ 9 $ 1,640 $ 62,899 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (608 ) (3,850 ) — 161 (1 ) 2,205 (2,093 ) AULC balance, end of period $ 48,988 $ 6,041 $ — $ 1,924 $ 8 $ 3,845 $ 60,806 ACL balance, end of period $ 335,983 $ 108,880 $ 33,466 $ 98,337 $ 47,219 $ 42,117 $ 666,002 (dollar amounts in thousands) Year Ended December 31, 2013: ALLL balance, beginning of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075 Loan charge-offs (45,904 ) (69,512 ) (23,912 ) (98,184 ) (34,236 ) (34,568 ) (306,316 ) Recoveries of loans previously charged-off 29,514 44,658 13,375 15,921 7,074 7,108 117,650 Provision (reduction in allowance) for loan and lease losses 41,140 (97,958 ) 6,611 74,630 5,417 37,957 67,797 Write-downs of loans sold or transferred to loans held for sale — — — — (336 ) — (336 ) ALLL balance, end of period $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870 AULC balance, beginning of period $ 33,868 $ 4,740 $ — $ 1,356 $ 3 $ 684 $ 40,651 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 15,728 5,151 — 407 6 956 22,248 AULC balance, end of period $ 49,596 $ 9,891 $ — $ 1,763 $ 9 $ 1,640 $ 62,899 ACL balance, end of period $ 315,397 $ 172,448 $ 31,053 $ 112,894 $ 39,586 $ 39,391 $ 710,769
Loan and lease balances by credit quality indicator	The following table presents each loan and lease class by credit quality indicator for the years ended December 31, 2015 and 2014 : December 31, 2015 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial and industrial: Owner occupied $ 3,731,113 $ 114,490 $ 165,301 $ 1,896 $ 4,012,800 Purchased credit-impaired 3,051 674 15,661 1,631 21,017 Other commercial and industrial 15,523,625 284,175 714,615 3,602 16,526,017 Total commercial and industrial 19,257,789 399,339 895,577 7,129 20,559,834 Commercial real estate: Retail properties 1,473,014 10,865 22,830 — 1,506,709 Multi family 1,029,138 28,862 19,898 320 1,078,218 Office 822,824 35,350 36,011 440 894,625 Industrial and warehouse 493,402 259 10,450 56 504,167 Purchased credit-impaired 7,194 397 6,167 — 13,758 Other commercial real estate 1,240,482 4,054 25,811 827 1,271,174 Total commercial real estate $ 5,066,054 $ 79,787 $ 121,167 $ 1,643 $ 5,268,651 Credit Risk Profile by FICO Score (1) 750+ 650-749 <650 Other (2) Total Automobile $ 4,680,684 $ 3,454,585 $ 1,086,914 $ 258,495 $ 9,480,678 Home equity: Secured by first-lien 3,369,657 1,441,574 258,328 121,926 5,191,485 Secured by junior-lien 1,841,084 1,024,851 323,998 89,064 3,278,997 Total home equity 5,210,741 2,466,425 582,326 210,990 8,470,482 Residential mortgage: Residential mortgage 3,563,683 1,813,002 567,688 52,573 5,996,946 Purchased credit-impaired 381 777 296 — 1,454 Total residential mortgage 3,564,064 1,813,779 567,984 52,573 5,998,400 Other consumer: Other consumer 233,969 269,694 49,650 9,689 563,002 Purchased credit-impaired — 52 — — 52 Total other consumer $ 233,969 $ 269,746 $ 49,650 $ 9,689 $ 563,054 December 31, 2014 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial and industrial: Owner occupied $ 3,959,046 $ 117,637 $ 175,767 $ 2,425 $ 4,254,875 Purchased credit-impaired 3,915 741 14,901 3,671 23,228 Other commercial and industrial 13,925,334 386,666 440,036 3,007 14,755,043 Total commercial and industrial 17,888,295 505,044 630,704 9,103 19,033,146 Commercial real estate: Retail properties 1,279,064 10,204 67,911 567 1,357,746 Multi family 1,044,521 12,608 32,322 965 1,090,416 Office 902,474 33,107 42,578 2,144 980,303 Industrial and warehouse 487,454 7,877 17,781 289 513,401 Purchased credit-impaired 6,914 803 25,460 5,194 38,371 Other commercial real estate 1,166,293 9,635 40,019 1,219 1,217,166 Total commercial real estate $ 4,886,720 $ 74,234 $ 226,071 $ 10,378 $ 5,197,403 Credit Risk Profile by FICO Score (1) 750+ 650-749 <650 Other (2) Total Automobile $ 4,165,811 $ 3,249,141 $ 1,028,381 $ 246,569 $ 8,689,902 Home equity: Secured by first-lien 3,255,088 1,426,191 283,152 164,373 5,128,804 Secured by junior-lien 1,832,663 1,095,332 348,825 85,291 3,362,111 Total home equity 5,087,751 2,521,523 631,977 249,664 8,490,915 Residential mortgage Residential mortgage 3,285,310 1,785,137 666,562 91,688 5,828,697 Purchased credit-impaired 594 1,135 183 — 1,912 Total residential mortgage 3,285,904 1,786,272 666,745 91,688 5,830,609 Other consumer Other consumer 195,128 187,781 30,582 209 413,700 Purchased credit-impaired — 51 — — 51 Total other consumer $ 195,128 $ 187,832 $ 30,582 $ 209 $ 413,751 (1) Reflects most recent customer credit scores. (2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
Summarized data for impaired loans and the related ALLL by portfolio segment	The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance for the years ended December 31, 2015 and 2014 (1): (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total ALL at December 31, 2015: Portion of ALLL balance: Attributable to purchased credit-impaired loans $ 2,602 $ — $ — $ — $ 127 $ — $ 2,729 Attributable to loans individually evaluated for impairment 19,314 8,114 1,779 16,242 16,811 176 62,436 Attributable to loans collectively evaluated for impairment 276,830 91,893 47,725 67,429 24,708 24,093 532,678 Total ALLL balance $ 298,746 $ 100,007 $ 49,504 $ 83,671 $ 41,646 $ 24,269 $ 597,843 Loan and Lease Ending Balances at December 31, 2015: Portion of loan and lease ending balance: Attributable to purchased credit-impaired loans $ 21,017 $ 13,758 $ — $ — $ 1,454 $ 52 $ 36,281 Individually evaluated for impairment 481,033 144,977 31,304 248,839 366,995 4,640 1,277,788 Collectively evaluated for impairment 20,057,784 5,109,916 9,449,374 8,221,643 5,629,951 558,362 49,027,030 Total loans and leases evaluated for impairment $ 20,559,834 $ 5,268,651 $ 9,480,678 $ 8,470,482 $ 5,998,400 $ 563,054 $ 50,341,099 Portion of ending balance of impaired loans: With allowance assigned to the loan and lease balances $ 246,249 $ 90,475 $ 31,304 $ 248,839 $ 368,449 $ 4,640 $ 989,956 With no allowance assigned to the loan and lease balances 255,801 68,260 — — — 52 324,113 Total $ 502,050 $ 158,735 $ 31,304 $ 248,839 $ 368,449 $ 4,692 $ 1,314,069 Average balance of impaired loans $ 382,051 $ 202,192 $ 30,163 $ 292,014 $ 373,573 $ 4,726 $ 1,284,719 ALLL on impaired loans 21,916 8,114 1,779 16,242 16,938 176 65,165 (dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total ALLL at December 31, 2014 Portion of ALLL balance: Attributable to purchased credit-impaired loans $ 3,846 $ — $ — $ — $ 8 $ 245 $ 4,099 Attributable to loans individually evaluated for impairment 11,049 18,887 1,531 26,027 16,535 214 74,243 Attributable to loans collectively evaluated for impairment 272,100 83,952 31,935 70,386 30,668 37,813 526,854 Total ALLL balance: $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196 Loan and Lease Ending Balances at December 31, 2014 Portion of loan and lease ending balances: Attributable to purchased credit-impaired loans $ 23,228 $ 38,371 $ — $ — $ 1,912 $ 51 $ 63,562 Individually evaluated for impairment 216,993 217,262 30,612 310,446 369,577 4,088 1,148,978 Collectively evaluated for impairment 18,792,925 4,941,770 8,659,290 8,180,469 5,459,120 409,612 46,443,186 Total loans and leases evaluated for impairment $ 19,033,146 $ 5,197,403 $ 8,689,902 $ 8,490,915 $ 5,830,609 $ 413,751 $ 47,655,726 Portion of ending balance: With allowance assigned to the loan and lease balances $ 202,376 $ 144,162 $ 30,612 $ 310,446 $ 371,489 $ 4,139 $ 1,063,224 With no allowance assigned to the loan and lease balances 37,845 111,471 — — — — 149,316 Total $ 240,221 $ 255,633 $ 30,612 $ 310,446 $ 371,489 $ 4,139 $ 1,212,540 Average balance of impaired loans $ 174,316 $ 511,590 $ 34,637 $ 258,881 $ 384,026 $ 2,879 $ 1,366,329 ALLL on impaired loans 14,895 18,887 1,531 26,027 16,543 459 78,342
Detailed impaired loan information by class	The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for loans and leases individually evaluated for impairment and purchased credit-impaired loans for the years ended December 31, 2015 and 2014 (1), (2): Year Ended December 31, 2015 December 31, 2015 (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial: Owner occupied $ 57,832 $ 65,812 $ — $ 30,672 $ 520 Purchased credit-impaired — — — — — Other commercial and industrial 197,969 213,739 — 83,717 2,064 Total commercial and industrial 255,801 279,551 $ — 114,389 2,584 Commercial real estate: Retail properties 42,009 54,021 — 48,903 2,031 Multi family — — — — — Office 9,030 12,919 — 7,767 309 Industrial and warehouse 1,720 1,741 — 777 47 Purchased credit-impaired 13,758 55,358 — 28,168 4,707 Other commercial real estate 1,743 1,775 — 2,558 105 Total commercial real estate 68,260 125,814 — 88,173 7,199 Other consumer Other consumer — — — — — Purchased credit-impaired 52 101 — 51 17 Total other consumer $ 52 $ 101 $ — $ 51 $ 17 With an allowance recorded: Commercial and industrial: (3) Owner occupied $ 54,092 $ 62,527 $ 4,171 $ 54,785 $ 1,985 Purchased credit-impaired 21,017 30,676 2,602 21,046 7,190 Other commercial and industrial 171,140 181,000 15,143 191,831 5,935 Total commercial and industrial 246,249 274,203 21,916 267,662 15,110 Commercial real estate: (4) Retail properties 9,096 11,121 1,190 31,636 1,204 Multi family 34,349 37,208 1,593 17,043 740 Office 14,365 17,350 1,177 31,148 1,301 Industrial and warehouse 9,721 10,550 1,540 7,311 301 Purchased credit-impaired — — — — — Other commercial real estate 22,944 28,701 2,614 26,881 1,287 Total commercial real estate 90,475 104,930 8,114 114,019 4,833 Automobile 31,304 31,878 1,779 30,163 2,224 Home equity: Secured by first-lien 52,672 57,224 4,359 108,942 4,186 Secured by junior-lien 196,167 227,733 11,883 183,072 8,906 Total home equity 248,839 284,957 16,242 292,014 13,092 Residential mortgage (6): Residential mortgage 366,995 408,925 16,811 371,756 12,391 Purchased credit-impaired 1,454 2,189 127 1,817 498 Total residential mortgage 368,449 411,114 16,938 373,573 12,889 Other consumer: Other consumer 4,640 4,649 176 4,675 254 Purchased credit-impaired — — — — — Total other consumer $ 4,640 $ 4,649 $ 176 $ 4,675 $ 254 Year Ended December 31, 2014 December 31, 2014 (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial: Owner occupied $ 13,536 $ 13,536 $ — $ 5,740 $ 205 Purchased credit-impaired — — — — — Other commercial and industrial 24,309 26,858 — 7,536 375 Total commercial and industrial 37,845 40,394 — 13,276 580 Commercial real estate: Retail properties 61,915 91,627 — 53,121 2,454 Multi family — — — — — Office 1,130 3,574 — 3,709 311 Industrial and warehouse 3,447 3,506 — 5,012 248 Purchased credit-impaired 38,371 91,075 — 59,424 11,519 Other commercial real estate 6,608 6,815 — 6,598 286 Total commercial real estate 111,471 196,597 — 127,864 14,818 Automobile — — — — — Home equity: Secured by first-lien — — — — — Secured by junior-lien — — — — — Total home equity — — — — — Residential mortgage: Residential mortgage — — — — — Purchased credit-impaired — — — — — Total residential mortgage — — — — — Other consumer: Other consumer — — — — — Purchased credit-impaired — — — — — Total other consumer $ — $ — $ — $ — $ — With an allowance recorded: Commercial and industrial: (3) Owner occupied $ 44,869 $ 53,639 $ 4,220 $ 40,192 $ 1,557 Purchased credit-impaired 23,228 35,307 3,846 32,253 6,973 Other commercial and industrial 134,279 162,908 6,829 88,595 2,686 Total commercial and industrial 202,376 251,854 14,895 161,040 11,216 Commercial real estate: (4) Retail properties 37,081 38,397 3,536 63,393 1,983 Multi family 17,277 23,725 2,339 16,897 659 Office 52,953 56,268 8,399 52,831 2,381 Industrial and warehouse 8,888 10,396 720 9,092 274 Purchased credit-impaired — — — — — Other commercial real estate 27,963 33,472 3,893 241,513 1,831 Total commercial real estate 144,162 162,258 18,887 383,726 7,128 Automobile 30,612 32,483 1,531 34,637 2,637 Home equity: Secured by first-lien 145,566 157,978 8,296 126,602 5,496 Secured by junior-lien 164,880 208,118 17,731 132,279 6,379 Total home equity 310,446 366,096 26,027 258,881 11,875 Residential mortgage: (6) Residential mortgage 369,577 415,280 16,535 381,745 11,594 Purchased credit-impaired 1,912 3,096 8 2,281 574 Total residential mortgage 371,489 418,376 16,543 384,026 12,168 Other consumer: Other consumer 4,088 4,209 214 2,796 202 Purchased credit-impaired 51 123 245 83 15 Total other consumer $ 4,139 $ 4,332 $ 459 $ 2,879 $ 217 (1) These tables do not include loans fully charged-off. (2) All automobile, home equity, residential mortgage, and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR. (3) At December 31, 2015 , $91 million of the $246 million C&I loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014 , $63 million of the $202 million C&I loans with an allowance recorded were considered impaired due to their status as a TDR. (4) At December 31, 2015 , $35 million of the $90 million CRE loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014 , $27 million of the $144 million CRE loans with an allowance recorded were considered impaired due to their status as a TDR. (5) The differences between the ending balance and unpaid principal balance amounts represent partial charge-offs. (6) At December 31, 2015 , $29 million of the $368 million residential mortgage loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2014 , $24 million of the $371 million residential mortgage loans with an allowance recorded were guaranteed by the U.S. government.
Detailed troubled debt restructuring information by class	The following table presents by class and by the reason for the modification the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2015 and 2014 : New Troubled Debt Restructurings During The Year Ended (1) December 31, 2015 December 31, 2014 (dollar amounts in thousands) Number of Contracts Post-modification Outstanding Ending Balance Financial effects of modification(2) Number of Contracts Post-modification Outstanding Balance Financial effects of modification (2) C&I—Owner occupied: (3) Interest rate reduction 4 $ 372 $ (3 ) 19 $ 2,484 $ 20 Amortization or maturity date change 222 103,686 (2,089 ) 97 32,145 336 Other 4 661 (22 ) 7 2,051 (36 ) Total C&I—Owner occupied 230 104,719 (2,114 ) 123 36,680 320 C&I—Other commercial and industrial: (3) Interest rate reduction 9 7,871 (1,039 ) 25 50,534 (1,982 ) Amortization or maturity date change 543 420,670 (3,764 ) 285 149,339 (2,407 ) Other 12 29,181 (427 ) 21 7,613 (7 ) Total C&I—Other commercial and industrial 564 457,722 (5,230 ) 331 207,486 (4,396 ) CRE—Retail properties: (3) Interest rate reduction 2 1,803 (11 ) 5 11,381 420 Amortization or maturity date change 23 16,377 (1,658 ) 24 27,415 (267 ) Other — — — 9 13,765 (35 ) Total CRE—Retail properties 25 18,180 (1,669 ) 38 52,561 118 CRE—Multi family: (3) Interest rate reduction 1 90 — 20 3,484 (75 ) Amortization or maturity date change 50 35,369 (1,843 ) 40 9,791 197 Other 8 216 (6 ) 8 5,016 57 Total CRE—Multi family 59 35,675 (1,849 ) 68 18,291 179 CRE—Office: (3) Interest rate reduction 1 356 7 2 120 (1 ) Amortization or maturity date change 30 73,148 902 22 18,157 (424 ) Other 1 30 (2 ) 5 35,476 (3,153 ) Total CRE—Office 32 73,534 907 29 53,753 (3,578 ) CRE—Industrial and warehouse: (3) Interest rate reduction — — — 2 4,046 — Amortization or maturity date change 13 6,383 1,279 17 9,187 164 Other — — — 1 977 — Total CRE—Industrial and Warehouse 13 6,383 1,279 20 14,210 164 CRE—Other commercial real estate: (3) Interest rate reduction — — — 8 5,224 146 Amortization or maturity date change 27 9,961 71 55 76,353 (2,789 ) Other 2 234 (22 ) 4 1,809 (127 ) Total CRE—Other commercial real estate 29 10,195 49 67 83,386 (2,770 ) Automobile: (3) Interest rate reduction 41 121 5 92 758 15 Amortization or maturity date change 1,591 12,268 533 1,880 12,120 151 Chapter 7 bankruptcy 926 7,390 423 625 4,938 66 Other — — — — — — Total Automobile 2,558 19,779 961 2,597 17,816 232 Residential mortgage: (3) Interest rate reduction 15 1,565 (61 ) 27 3,692 19 Amortization or maturity date change 518 57,859 (455 ) 333 44,027 552 Chapter 7 bankruptcy 139 14,183 (164 ) 182 18,635 715 Other 11 1,266 — 5 526 5 Total Residential mortgage 683 74,873 (680 ) 547 66,880 1,291 First-lien home equity: (3) Interest rate reduction 37 3,665 112 193 15,172 764 Amortization or maturity date change 204 19,005 (953 ) 289 23,272 (1,051 ) Chapter 7 bankruptcy 117 7,350 428 105 7,296 727 Other — — — — — — Total First-lien home equity 358 30,020 (413 ) 587 45,740 440 Junior-lien home equity: (3) Interest rate reduction 18 734 49 187 6,960 296 Amortization or maturity date change 1,387 60,018 (9,686 ) 1,467 58,129 (6,955 ) Chapter 7 bankruptcy 213 2,505 3,843 201 3,014 3,141 Other — — — — — — Total Junior-lien home equity 1,618 63,257 (5,794 ) 1,855 68,103 (3,518 ) Other consumer: (3) Interest rate reduction 1 96 3 7 123 3 Amortization or maturity date change 10 198 8 48 1,803 12 Chapter 7 bankruptcy 11 69 9 25 483 (50 ) Other — — — — — — Total Other consumer 22 363 20 80 2,409 (35 ) Total new troubled debt restructurings 6,191 $ 894,700 $ (14,533 ) 6,342 $ 667,315 $ (11,553 ) (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Amounts represent the financial impact via provision (recovery) for loan and lease losses as a result of the modification. (3) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant. Any loan within any portfolio or class is considered as payment redefaulted at 90 -days past due. The following table presents TDRs that have redefaulted within one year of modification during the years ended December 31, 2015 and 2014 : Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification During The Year Ended December 31, 2015 (1) December 31, 2014 (1) (dollar amounts in thousands) Number of Contracts Ending Balance Number of Contracts Ending Balance C&I—Owner occupied: Interest rate reduction 1 $ 110 — $ — Amortization or maturity date change 7 1,440 6 946 Other — — 1 230 Total C&I—Owner occupied 8 1,550 7 1,176 C&I—Other commercial and industrial: Interest rate reduction 1 27 1 30 Amortization or maturity date change 29 3,566 14 1,555 Other — — 3 37 Total C&I—Other commercial and industrial 30 3,593 18 1,622 CRE—Retail Properties: Interest rate reduction 1 47 — — Amortization or maturity date change 3 8,020 1 483 Other — — — — Total CRE—Retail properties 4 8,067 1 483 CRE—Multi family: Interest rate reduction — — — — Amortization or maturity date change 10 1,354 4 2,827 Other 1 140 1 176 Total CRE—Multi family 11 1,494 5 3,003 CRE—Office: Interest rate reduction — — — — Amortization or maturity date change 3 2,984 3 1,738 Other — — — — Total CRE—Office 3 2,984 3 1,738 CRE—Industrial and Warehouse: Interest rate reduction — — 1 1,339 Amortization or maturity date change 2 822 1 756 Other — — — — Total CRE—Industrial and Warehouse 2 822 2 2,095 CRE—Other commercial real estate: Interest rate reduction — — 1 169 Amortization or maturity date change 1 93 2 758 Other — — — — Total CRE—Other commercial real estate 1 93 3 927 Automobile: Interest rate reduction 1 4 — — Amortization or maturity date change 41 423 40 328 Chapter 7 bankruptcy 21 172 53 374 Other — — — — Total Automobile 63 599 93 702 Residential mortgage: Interest rate reduction 3 239 11 1,516 Amortization or maturity date change 73 6,776 82 8,974 Chapter 7 bankruptcy 8 843 37 3,187 Other — — — — Total Residential mortgage 84 7,858 130 13,677 First-lien home equity: Interest rate reduction 4 387 5 335 Amortization or maturity date change 4 258 16 2,109 Chapter 7 bankruptcy 28 2,283 16 1,005 Other — — — — Total First-lien home equity 36 2,928 37 3,449 Junior-lien home equity: Interest rate reduction 3 411 1 11 Amortization or maturity date change 41 1,644 31 1,841 Chapter 7 bankruptcy 18 401 39 620 Other — — — — Total Junior-lien home equity 62 2,456 71 2,472 Other consumer: Interest rate reduction — — — — Amortization or maturity date change — — — — Chapter 7 bankruptcy — — — — Other — — — — Total Other consumer — — — — Total troubled debt restructurings with subsequent redefault 304 $ 32,444 370 $ 31,344 (1) Subsequent redefault is defined as a payment redefault within 12 months of the restructuring date. Payment redefault is defined as 90 -days past due for any loan in any portfolio or class. Any loan in any portfolio may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.

AVAILABLE-FOR-SALE AND OTHER 37

AVAILABLE-FOR-SALE AND OTHER SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Contractual maturities of investment securities	Contractual maturities of available-for-sale and other securities as of December 31, 2015 and 2014 were: 2015 2014 (dollar amounts in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Under 1 year $ 333,891 $ 332,980 $ 355,486 $ 355,465 After 1 year through 5 years 1,184,454 1,189,455 1,047,492 1,066,041 After 5 years through 10 years 1,648,808 1,645,759 1,517,974 1,527,195 After 10 years 5,259,855 5,263,063 6,090,688 6,086,980 Other securities: Nonmarketable equity securities 332,786 332,786 331,559 331,559 Mutual funds 10,604 10,604 16,151 16,161 Marketable equity securities 525 794 536 1,269 Total available-for-sale and other securities $ 8,770,923 $ 8,775,441 $ 9,359,886 $ 9,384,670
Amortized cost, fair value, and gross unrealized gain and losses recognized in accumulated other comprehensive income	The following tables provide amortized cost, fair value, and gross unrealized gains and losses recognized in OCI by investment category at December 31, 2015 and 2014 : Unrealized (dollar amounts in thousands) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2015 U.S. Treasury $ 5,457 $ 15 $ — $ 5,472 Federal agencies: Mortgage-backed securities 4,505,318 30,078 (13,708 ) 4,521,688 Other agencies 115,076 888 (51 ) 115,913 Total U.S. Treasury, Federal agency securities 4,625,851 30,981 (13,759 ) 4,643,073 Municipal securities 2,431,943 51,558 (27,105 ) 2,456,396 Asset-backed securities 901,059 535 (40,181 ) 861,413 Corporate debt 464,207 4,824 (2,554 ) 466,477 Other securities 347,863 271 (52 ) 348,082 Total available-for-sale and other securities $ 8,770,923 $ 88,169 $ (83,651 ) $ 8,775,441 Unrealized (dollar amounts in thousands) Amortized Gross Gross Fair Value December 31, 2014 U.S. Treasury $ 5,435 $ 17 $ — $ 5,452 Federal agencies: Mortgage-backed securities 5,273,899 63,906 (15,104 ) 5,322,701 Other agencies 349,715 2,871 (1,043 ) 351,543 Total U.S. Treasury, Federal agency securities 5,629,049 66,794 (16,147 ) 5,679,696 Municipal securities 1,841,311 37,398 (10,140 ) 1,868,569 Private-label CMO 43,730 1,116 (2,920 ) 41,926 Asset-backed securities 1,014,999 2,061 (61,062 ) 955,998 Corporate debt 479,151 9,442 (2,417 ) 486,176 Other securities 351,646 743 (84 ) 352,305 Total available-for-sale and other securities $ 9,359,886 $ 117,554 $ (92,770 ) $ 9,384,670
Available for sale securities in an unrealized loss position	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2015 and 2014 : Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2015 Federal agencies: Mortgage-backed securities $ 1,658,516 $ (11,341 ) $ 84,147 $ (2,367 ) $ 1,742,663 $ (13,708 ) Other agencies 37,982 (51 ) — — 37,982 (51 ) Total Federal agency securities 1,696,498 (11,392 ) 84,147 (2,367 ) 1,780,645 (13,759 ) Municipal securities 570,916 (15,992 ) 248,204 (11,113 ) 819,120 (27,105 ) Asset-backed securities 552,275 (5,791 ) 207,639 (34,390 ) 759,914 (40,181 ) Corporate debt 167,144 (1,673 ) 21,965 (881 ) 189,109 (2,554 ) Other securities 772 (28 ) 1,476 (24 ) 2,248 (52 ) Total temporarily impaired securities $ 2,987,605 $ (34,876 ) $ 563,431 $ (48,775 ) $ 3,551,036 $ (83,651 ) Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2014 Federal agencies: Mortgage-backed securities $ 501,858 $ (1,909 ) $ 527,280 $ (13,195 ) $ 1,029,138 $ (15,104 ) Other agencies 159,708 (1,020 ) 1,281 (23 ) 160,989 (1,043 ) Total Federal agency securities 661,566 (2,929 ) 528,561 (13,218 ) 1,190,127 (16,147 ) Municipal securities 568,619 (9,127 ) 96,426 (1,013 ) 665,045 (10,140 ) Private-label CMO — — 22,650 (2,920 ) 22,650 (2,920 ) Asset-backed securities 157,613 (641 ) 325,691 (60,421 ) 483,304 (61,062 ) Corporate debt 49,562 (252 ) 88,398 (2,165 ) 137,960 (2,417 ) Other securities — — 1,416 (84 ) 1,416 (84 ) Total temporarily impaired securities $ 1,437,360 $ (12,949 ) $ 1,063,142 $ (79,821 ) $ 2,500,502 $ (92,770 )
Realized securities gains and losses	The following table is a summary of realized securities gains and losses for the years ended December 31, 2015 , 2014 , and 2013 : Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Gross gains on sales of securities $ 6,730 $ 17,729 $ 2,932 Gross (losses) on sales of securities (3,546 ) (175 ) (712 ) Net gain (loss) on sales of securities $ 3,184 $ 17,554 $ 2,220
Credit ratings on selected investment securities	The following table summarizes the relevant characteristics of our CDO securities portfolio, which are included in asset-backed securities, at December 31, 2015 and 2014 . Each security is part of a pool of issuers and supports a more senior tranche of securities except for the MM Comm III securities which are the most senior class. Collateralized Debt Obligation Securities (dollar amounts in thousands) Deal Name Par Value Amortized Cost Fair Value Unrealized Loss (2) Lowest Credit Rating (3) # of Issuers Currently Performing/ Remaining (4) Actual Deferrals and Defaults as a % of Original Collateral Expected Defaults as a % of Remaining Performing Collateral Excess Subordination (5) Alesco II (1) $ 41,646 $ 28,022 $ 25,296 $ (2,727 ) C 30/32 5 % 7 % 4 % ICONS 19,214 19,214 15,567 (3,647 ) BB 19/21 7 14 52 MM Comm III 4,684 4,475 3,682 (793 ) BB 5/8 5 6 36 Pre TSL IX (1) 5,000 3,955 3,009 (946 ) C 27/38 18 10 7 Pre TSL XI (1) 25,000 20,155 15,418 (4,737 ) C 42/55 16 9 10 Pre TSL XIII (1) 27,530 19,735 16,769 (2,966 ) C 47/56 9 10 24 Reg Diversified (1) 25,500 5,435 1,994 (3,441 ) D 23/39 33 7 — Tropic III 31,000 31,000 18,603 (12,397 ) CCC+ 30/40 19 9 40 Total at December 31, 2015 $ 179,574 $ 131,991 $ 100,338 $ (31,654 ) Total at December 31, 2014 $ 193,597 $ 139,194 $ 82,738 $ (56,456 ) (1) Security was determined to have OTTI. As such, the book value is net of recorded credit impairment. (2) The majority of securities have been in a continuous loss position for 12 months or longer. (3) For purposes of comparability, the lowest credit rating expressed is equivalent to Fitch ratings even where the lowest rating is based on another nationally recognized credit rating agency. (4) Includes both banks and/or insurance companies. (5) Excess subordination percentage represents the additional defaults in excess of both current and projected defaults that the CDO can absorb before the bond experiences credit impairment. Excess subordinated percentage is calculated by (a) determining what percentage of defaults a deal can experience before the bond has credit impairment, and (b) subtracting from this default breakage percentage both total current and expected future default percentages.
OTTI recognized in earnings	For the periods ended December 31, 2015 , 2014 , and 2013 , the following table summarizes by security type, the total OTTI losses recognized in the Consolidated Statements of Income for securities evaluated for impairment as described above: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Available-for-sale and other securities: Collateralized Debt Obligations $ (2,440 ) $ — $ (1,466 ) Private label CMO — — (336 ) Total debt securities (2,440 ) — (1,802 ) Equity securities — — — Total available-for-sale and other securities $ (2,440 ) $ — $ (1,802 ) The following table rolls forward the OTTI recognized in earnings on debt securities held by Huntington for the years ended December 31, 2015 , and 2014 as follows: Year Ended December 31, (dollar amounts in thousands) 2015 2014 Balance, beginning of year $ 30,869 $ 30,869 Reductions from sales (14,941 ) — Credit losses not previously recognized — — Additional credit losses 2,440 — Balance, end of year $ 18,368 $ 30,869

HELD-TO-MATURITY SECURITIES (Ta

HELD-TO-MATURITY SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Held-to-maturity Securities [Abstract]
Contractual maturities of held-to-maturity securities	Listed below are the contractual maturities (under 1 year, 1-5 years, 6-10 years, and over 10 years) of held-to-maturity securities at December 31, 2015 and December 31, 2014 : December 31, 2015 December 31, 2014 (dollar amounts in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Federal agencies: mortgage-backed securities: 1 year or less $ — $ — $ — $ — After 1 year through 5 years — — — — After 5 years through 10 years 25,909 25,227 24,901 24,263 After 10 years 5,506,592 5,484,407 3,136,460 3,140,194 Total Federal agencies: mortgage-backed securities 5,532,501 5,509,634 3,161,361 3,164,457 Other agencies: 1 year or less — — — — After 1 year through 5 years — — — — After 5 years through 10 years 283,960 284,907 54,010 54,843 After 10 years 336,092 334,004 156,553 155,821 Total other agencies 620,052 618,911 210,563 210,664 Total U.S. Government backed agencies 6,152,553 6,128,545 3,371,924 3,375,121 Municipal securities: 1 year or less — — — — After 1 year through 5 years — — — — After 5 years through 10 years — — — — After 10 years 7,037 6,913 7,981 7,594 Total municipal securities 7,037 6,913 7,981 7,594 Total held-to-maturity securities $ 6,159,590 $ 6,135,458 $ 3,379,905 $ 3,382,715
Amortized cost, gross unrealized gains and losses, and fair value by investment category	The following table provides amortized cost, gross unrealized gains and losses, and fair value by investment category at December 31, 2015 and 2014 : Unrealized (dollar amounts in thousands) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2015 Federal Agencies: Mortgage-backed securities $ 5,532,501 $ 14,637 $ (37,504 ) $ 5,509,634 Other agencies 620,052 1,645 (2,786 ) 618,911 Total U.S. Government backed agencies 6,152,553 16,282 (40,290 ) 6,128,545 Municipal securities 7,037 — (124 ) 6,913 Total held-to-maturity securities $ 6,159,590 $ 16,282 $ (40,414 ) $ 6,135,458 Unrealized (dollar amounts in thousands) Amortized Gross Gross Fair Value December 31, 2014 Federal Agencies: Mortgage-backed securities $ 3,161,361 $ 24,832 $ (21,736 ) $ 3,164,457 Other agencies 210,563 1,251 (1,150 ) 210,664 Total U.S. Government backed agencies 3,371,924 26,083 (22,886 ) 3,375,121 Municipal securities 7,981 — (387 ) 7,594 Total held-to-maturity securities $ 3,379,905 $ 26,083 $ (23,273 ) $ 3,382,715
Investment securities in an unrealized loss position	The following tables provide detail on HTM securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2015 and 2014 : Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 Federal Agencies: Mortgage-backed securities $ 3,692,890 $ (25,418 ) $ 519,872 $ (12,086 ) $ 4,212,762 $ (37,504 ) Other agencies 425,410 (2,689 ) 6,647 (97 ) 432,057 (2,786 ) Total U.S. Government backed securities 4,118,300 (28,107 ) 526,519 (12,183 ) 4,644,819 (40,290 ) Municipal securities — — 6,913 (124 ) 6,913 (124 ) Total temporarily impaired securities $ 4,118,300 $ (28,107 ) $ 533,432 $ (12,307 ) $ 4,651,732 $ (40,414 ) Less than 12 Months Over 12 Months Total (dollar amounts in thousands ) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2014 Federal Agencies: Mortgage-backed securities $ 707,934 $ (5,550 ) $ 622,026 $ (16,186 ) $ 1,329,960 $ (21,736 ) Other agencies 36,956 (198 ) 71,731 (952 ) 108,687 (1,150 ) Total U.S. Government backed securities 744,890 (5,748 ) 693,757 (17,138 ) 1,438,647 (22,886 ) Municipal securities 7,594 (387 ) — — 7,594 (387 ) Total temporarily impaired securities $ 752,484 $ (6,135 ) $ 693,757 $ (17,138 ) $ 1,446,241 $ (23,273 )

LOAN SALES AND SECURITIZATIONS

LOAN SALES AND SECURITIZATIONS (Tables)	12 Months Ended
	Dec. 31, 2015
Transfers and Servicing [Abstract]
Schedule of activity relating to loans securitized sold with servicing rights	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Residential mortgage loans sold with servicing retained $ 3,322,723 $ 2,330,060 $ 3,221,239 Pretax gains resulting from above loan sales (1) 83,148 57,590 102,935 (1) Recorded in mortgage banking income. The following table summarizes activity relating to automobile loans sold and/or securitized with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 (1) 2013 (1) Automobile loans securitized with servicing retained $ 750,000 — — Pretax gains resulting from above loan sales (2) 5,333 — — (1) Huntington did not sell or securitize any automobile loans in 2014 or 2013. (2) Recorded in gain on sale of loans The following table summarizes activity relating to SBA loans sold with servicing retained for the years ended December 31, 2015 , 2014 , and 2013 : Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 SBA loans sold with servicing retained $ 232,848 $ 214,760 $ 178,874 Pretax gains resulting from above loan sales (1) 18,626 24,579 19,556 (1) Recorded in gain on sale of loans.
Servicing asset at fair value	The following tables summarize the changes in MSRs recorded using either the fair value method or the amortization method for the years ended December 31, 2015 and 2014 : Fair Value Method (dollar amounts in thousands) 2015 2014 Fair value, beginning of year $ 22,786 $ 34,236 Change in fair value during the period due to: Time decay (1) (1,295 ) (2,232 ) Payoffs (2) (3,031 ) (5,814 ) Changes in valuation inputs or assumptions (3) (875 ) (3,404 ) Fair value, end of year $ 17,585 $ 22,786 Weighted-average contractual life (years) 4.6 4.6 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled loan principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates and prepayment speeds.
Servicing asset at amortized cost	Changes in the carrying value of automobile loan servicing rights for the years ended December 31, 2015 , and 2014 , and the fair value at the end of each period were as follows: (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 6,898 $ 17,672 New servicing assets created 11,180 — Amortization and other (9,307 ) (10,774 ) Carrying value, end of year $ 8,771 $ 6,898 Fair value, end of year $ 9,127 $ 6,948 Weighted-average contractual life (years) 3.2 2.6 Amortization Method (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 132,812 $ 128,064 New servicing assets created 35,407 24,629 Servicing assets acquired — 3,505 Impairment recovery (charge) (2,732 ) (7,330 ) Amortization and other (22,354 ) (16,056 ) Carrying value, end of year $ 143,133 $ 132,812 Fair value, end of year $ 143,435 $ 133,049 Weighted-average contractual life (years) 5.9 5.9 The following tables summarize the changes in the carrying value of the servicing asset for the years ended December 31, 2015 , and 2014 : (dollar amounts in thousands) 2015 2014 Carrying value, beginning of year $ 18,536 $ 16,865 New servicing assets created 8,012 7,269 Amortization and other (6,801 ) (5,598 ) Carrying value, end of year $ 19,747 $ 18,536 Fair value, end of year $ 22,649 $ 20,495 Weighted-average contractual life (years) 3.3 3.5
Summary of key assumptions and the sensitivity analysis of servicing rights	For MSRs under the fair value method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 14.70 % $ (864 ) $ (1,653 ) 15.60 % $ (1,176 ) $ (2,248 ) Spread over forward interest rate swap rates 539 bps (559 ) (1,083 ) 546 bps (699 ) (1,355 ) For MSRs under the amortization method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 11.10 % $ (5,543 ) $ (10,648 ) 11.40 % $ (5,289 ) $ (10,164 ) Spread over forward interest rate swap rates 875 bps (4,662 ) (9,017 ) 856 bps (4,343 ) (8,403 ) A summary of key assumptions and the sensitivity of the SBA loan servicing rights value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 7.60 % $ (313 ) $ (622 ) 5.60 % $ (211 ) $ (419 ) Discount rate 15.00 (610 ) (1,194 ) 15.00 (563 ) (1,102 ) A summary of key assumptions and the sensitivity of the automobile loan servicing rights value to changes in these assumptions at December 31, 2015 , and 2014 follows: December 31, 2015 December 31, 2014 Decline in fair value due to Decline in fair value due to (dollar amounts in thousands) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 18.36 % $ (500 ) $ (895 ) 14.62 % $ (305 ) $ (496 ) Spread over forward interest rate swap rates 500 bps (10 ) (19 ) 500 bps (2 ) (4 )

GOODWILL AND OTHER INTANGIBLE40

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill by business segment	A rollforward of goodwill by business segment for the years ended December 31, 2015 and 2014 , is presented in the table below: Retail & Business Commercial Home Treasury/ Huntington (dollar amounts in thousands) Banking Banking AFCRE RBHPCG Lending Other Consolidated Balance, January 1, 2014 $ 286,824 $ 22,108 $ — $ 93,012 $ — $ 42,324 $ 444,268 Goodwill acquired during the period 81,273 — — — — — 81,273 Adjustments — 37,486 — (3,000 ) 3,000 (37,486 ) — Impairment — — — — (3,000 ) — (3,000 ) Balance, December 31, 2014 368,097 59,594 — 90,012 — 4,838 522,541 Goodwill acquired during the period — 155,828 — — — — 155,828 Adjustments — — — (1,500 ) — — (1,500 ) Impairment — — — — — — — Balance, December 31, 2015 $ 368,097 $ 215,422 $ — $ 88,512 $ — $ 4,838 $ 676,869
Summary of other intangible assets	At December 31, 2015 and 2014 , Huntington’s other intangible assets consisted of the following: (dollar amounts in thousands) Gross Accumulated Net December 31, 2015 Core deposit intangible $ 400,058 $ (384,606 ) $ 15,452 Customer relationship 116,094 (76,656 ) 39,438 Other 25,164 (25,076 ) 88 Total other intangible assets $ 541,316 $ (486,338 ) $ 54,978 December 31, 2014 Core deposit intangible $ 400,058 $ (366,907 ) $ 33,151 Customer relationship 107,920 (66,534 ) 41,386 Other 25,164 (25,030 ) 134 Total other intangible assets $ 533,142 $ (458,471 ) $ 74,671
Estimated amortization expense of other intangible assets	The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in thousands) Amortization Expense 2016 $ 14,290 2017 12,908 2018 11,135 2019 9,825 2020 3,076

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Schedule of property, plant and equipment	Premises and equipment were comprised of the following at December 31, 2015 and 2014 : At December 31, (dollar amounts in thousands) 2015 2014 Land and land improvements $ 140,414 $ 137,702 Buildings 366,963 367,225 Leasehold improvements 246,222 235,279 Equipment 647,769 627,307 Total premises and equipment 1,401,368 1,367,513 Less accumulated depreciation and amortization (780,828 ) (751,106 ) Net premises and equipment $ 620,540 $ 616,407
Depreciation and amortization charged to expense and rental income credited to net occupancy expense	Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2015 , 2014 , and 2013 were: (dollar amounts in thousands) 2015 2014 2013 Total depreciation and amortization of premises and equipment $ 85,805 $ 82,296 $ 78,601 Rental income credited to occupancy expense 12,563 11,556 12,542

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2015 and 2014 : At December 31, (dollar amounts in thousands) 2015 2014 Federal funds purchased and securities sold under agreements to repurchase $ 601,272 $ 1,058,096 Federal Home Loan Bank advances — 1,325,000 Other borrowings 14,007 14,005 Total short-term borrowings $ 615,279 $ 2,397,101

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Instruments [Abstract]
Schedule of Long-Term Debt	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in thousands) 2015 2014 The Parent Company: Senior Notes: 2.64% Huntington Bancshares Incorporated senior note due 2018 $ 400,544 $ 398,924 Subordinated Notes: Fixed 7.00% subordinated notes due 2020 328,185 330,105 Huntington Capital I Trust Preferred 1.03% junior subordinated debentures due 2027 (1) 111,816 111,816 Sky Financial Capital Trust IV 1.73% junior subordinated debentures due 2036 (3) 74,320 74,320 Sky Financial Capital Trust III 2.01% junior subordinated debentures due 2036 (3) 72,165 72,165 Huntington Capital II Trust Preferred 1.14% junior subordinated debentures due 2028 (2) 54,593 54,593 Camco Statutory Trust I 2.95% due 2037 (4) 4,212 4,181 Total notes issued by the parent 1,045,835 1,046,104 The Bank: Senior Notes: 2.24% Huntington National Bank senior note due 2018 845,016 — 2.10% Huntington National Bank senior note due 2018 750,035 — 1.75% Huntington National Bank senior note due 2018 502,822 — 2.23% Huntington National Bank senior note due 2017 502,549 499,759 2.43% Huntington National Bank senior note due 2020 500,646 — 2.97% Huntington National Bank senior note due 2020 500,489 — 1.43% Huntington National Bank senior note due 2019 500,292 499,760 1.31% Huntington National Bank senior note due 2016 498,925 497,477 1.40% Huntington National Bank senior note due 2016 349,793 349,499 0.74% Huntington National Bank senior note due 2017 (5) 250,000 250,000 5.04% Huntington National Bank medium-term notes due 2018 37,535 38,541 Subordinated Notes: 6.67% subordinated notes due 2018 136,237 140,115 5.59% subordinated notes due 2016 103,357 105,731 5.45% subordinated notes due 2019 83,833 85,783 Total notes issued by the bank 5,561,529 2,466,665 FHLB Advances: 3.46% weighted average rate, varying maturities greater than one year 7,802 758,052 Other: Huntington Technology Finance nonrecourse debt, 4.21% effective interest rate, varying maturities 301,577 — Huntington Technology Finance ABS Trust 2014 1.35% due 2020 123,577 — Huntington Technology Finance ABS Trust 2012 1.79% due 2017 27,153 — Other 141 65,141 Total other 452,448 65,141 Total long-term debt $ 7,067,614 $ 4,335,962 (1) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70% . (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.625% . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40% . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.425% . The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2015 follows: (dollar amounts in thousands) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 1.03 % (2) $ 111,816 $ 6,186 Huntington Capital II 1.14 (3) 54,593 3,093 Sky Financial Capital Trust III 2.01 (4) 72,165 2,165 Sky Financial Capital Trust IV 1.73 (4) 74,320 2,320 Camco Financial Trust 2.95 (5) 4,212 155 Total $ 317,106 $ 13,919 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70 . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 62.5 . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40 . (5) Variable effective rate (including impact of purchase accounting accretion) at December 31, 2015, based on three month LIBOR + 1.33 .
Schedule of Maturities of Long-term Debt	Long-term debt maturities for the next five years and thereafter are as follows: dollar amounts in thousands 2016 2017 2018 2019 2020 Thereafter Total The Parent Company: Senior notes $ — $ — $ 400,000 $ — $ — $ — $ 400,000 Subordinated notes — — — — 300,000 318,049 618,049 The Bank: Senior notes 850,000 750,000 2,135,000 500,000 1,000,000 — 5,235,000 Subordinated notes 103,009 — 125,539 75,716 — — 304,264 FHLB Advances — 100 1,163 348 2,458 3,921 7,990 Other 144,095 96,715 110,116 43,340 51,537 10,595 456,398 Total $ 1,097,104 $ 846,815 $ 2,771,818 $ 619,404 $ 1,353,995 $ 332,565 $ 7,021,701

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI in the three years ended December 31, 2015 , 2014 , and 2013 , were as follows: 2015 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 19,606 $ (6,933 ) $ 12,673 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (26,021 ) 9,108 (16,913 ) Less: Reclassification adjustment for net losses (gains) included in net income (3,901 ) 1,365 (2,536 ) Net change in unrealized holding gains (losses) on available-for-sale debt securities (10,316 ) 3,540 (6,776 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities (474 ) 166 (308 ) Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period 12,966 (4,538 ) 8,428 Less: Reclassification adjustment for net (gains) losses included in net income (220 ) 77 (143 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 12,746 (4,461 ) 8,285 Net change in pension and other post-retirement obligations (7,795 ) 2,728 (5,067 ) Total other comprehensive income (loss) $ (5,839 ) $ 1,973 $ (3,866 ) 2014 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 13,583 $ (4,803 ) $ 8,780 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period 86,618 (30,914 ) 55,704 Less: Reclassification adjustment for net losses (gains) included in net income (15,559 ) 5,446 (10,113 ) Net change in unrealized holding gains (losses) on available-for-sale debt securities 84,642 (30,271 ) 54,371 Net change in unrealized holding gains (losses) on available-for-sale equity securities 295 (103 ) 192 Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period 14,141 (4,949 ) 9,192 Less: Reclassification adjustment for net (gains) losses included in net income (3,971 ) 1,390 (2,581 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 10,170 (3,559 ) 6,611 Net change in pension and other post-retirement obligations (106,857 ) 37,400 (69,457 ) Total other comprehensive income (loss) $ (11,750 ) $ 3,467 $ (8,283 ) 2013 Tax (expense) (dollar amounts in thousands) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 235 $ (82 ) $ 153 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (125,919 ) 44,191 (81,728 ) Less: Reclassification adjustment for net gains (losses) included in net income 6,211 (2,174 ) 4,037 Net change in unrealized holding gains (losses) on available-for-sale debt securities (119,473 ) 41,935 (77,538 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities 151 (53 ) 98 Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period (86,240 ) 30,184 (56,056 ) Less: Reclassification adjustment for net losses (gains) losses included in net income (15,188 ) 5,316 (9,872 ) Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships (101,428 ) 35,500 (65,928 ) Re-measurement obligation 136,452 (47,758 ) 88,694 Defined benefit pension items (13,106 ) 4,588 (8,518 ) Net change in pension and post-retirement obligations 123,346 (43,170 ) 80,176 Total other comprehensive income (loss) $ (97,404 ) $ 34,212 $ (63,192 )
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the two years ended December 31, were as follows: (dollar amounts in thousands) Unrealized gains and (losses) on debt securities (1) Unrealized gains and (losses) on equity securities Unrealized gains and (losses) on cash flow hedging derivatives Unrealized gains (losses) for pension and other post- retirement obligations Total December 31, 2013 $ (39,234 ) $ 292 $ (18,844 ) $ (156,223 ) $ (214,009 ) Other comprehensive income before reclassifications 64,484 192 9,192 — 73,868 Amounts reclassified from accumulated OCI to earnings (10,113 ) — (2,581 ) (69,457 ) (82,151 ) Period change 54,371 192 6,611 (69,457 ) (8,283 ) December 31, 2014 15,137 484 (12,233 ) (225,680 ) (222,292 ) Other comprehensive income before reclassifications (4,240 ) (308 ) 8,428 — 3,880 Amounts reclassified from accumulated OCI to earnings (2,536 ) — (143 ) (5,067 ) (7,746 ) Period change (6,776 ) (308 ) 8,285 (5,067 ) (3,866 ) December 31, 2015 $ 8,361 $ 176 $ (3,948 ) $ (230,747 ) $ (226,158 ) (1) Amount at December 31, 2015 includes $9 million of net unrealized gains on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized gains will be recognized in earnings over the remaining life of the security using the effective interest method.
Reclassification Out Of Accumulated OCI	The following table presents the reclassification adjustments out of accumulated OCI included in net income and the impacted line items as listed on the Consolidated Statements of Income for the years ended December 31, 2015 and 2014 : Reclassifications out of accumulated OCI Accumulated OCI components Amounts reclassed from accumulated OCI Location of net gain (loss) reclassified from accumulated OCI into earnings (dollar amounts in thousands) 2015 2014 Gains (losses) on debt securities: Amortization of unrealized gains (losses) $ (144 ) $ 597 Interest income—held-to-maturity securities—taxable Realized gain (loss) on sale of securities 6,485 14,962 Noninterest income—net gains (losses) on sale of securities OTTI recorded (2,440 ) — Noninterest income—net gains (losses) on sale of securities Total before tax 3,901 15,559 Tax (expense) benefit (1,365 ) (5,446 ) Net of tax $ 2,536 $ 10,113 Gains (losses) on cash flow hedging relationships: Interest rate contracts $ 210 $ 4,064 Interest and fee income—loans and leases Interest rate contracts 10 (93 ) Noninterest expense—other income Total before tax 220 3,971 Tax (expense) benefit (77 ) (1,390 ) Net of tax $ 143 $ 2,581 Amortization of defined benefit pension and post-retirement items: Actuarial gains (losses) $ 5,827 $ 106,857 Noninterest expense—personnel costs Net periodic benefit costs 1,968 — Noninterest expense—personnel costs Total before tax 7,795 106,857 Tax (expense) benefit (2,728 ) (37,400 ) Net of tax $ 5,067 $ 69,457

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year ended December 31, (dollar amounts in thousands, except per share amounts) 2015 2014 2013 Basic earnings per common share: Net income $ 692,957 $ 632,392 $ 641,282 Preferred stock dividends (31,873 ) (31,854 ) (31,869 ) Net income available to common shareholders $ 661,084 $ 600,538 $ 609,413 Average common shares issued and outstanding 803,412 819,917 834,205 Basic earnings per common share: $ 0.82 $ 0.73 $ 0.73 Diluted earnings per common share Net income available to common shareholders $ 661,084 $ 600,538 $ 609,413 Effect of assumed preferred stock conversion — — — Net income applicable to diluted earnings per share $ 661,084 $ 600,538 $ 609,413 Average common shares issued and outstanding 803,412 819,917 834,205 Dilutive potential common shares: Stock options and restricted stock units and awards 11,633 11,421 8,418 Shares held in deferred compensation plans 1,912 1,420 1,351 Other 172 323 — Dilutive potential common shares: 13,717 13,164 9,769 Total diluted average common shares issued and outstanding 817,129 833,081 843,974 Diluted earnings per common share $ 0.81 $ 0.72 $ 0.72

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Weighted average assumptions used in the option pricing model	The following table presents the weighted average assumptions used in the option-pricing model for options granted in the three years ended December 31, 2015 , 2014 , and 2013 : 2015 2014 2013 Assumptions Risk-free interest rate 2.13 % 1.69 % 0.79 % Expected dividend yield 2.57 2.61 2.83 Expected volatility of Huntington’s common stock 29.0 32.3 35.0 Expected option term (years) 6.5 5.0 5.5 Weighted-average grant date fair value per share $ 2.57 $ 2.13 $ 1.71
Share based compensation expense and related tax benefit	The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) 2015 2014 2013 Share-based compensation expense $ 51,415 $ 43,666 $ 37,007 Tax benefit 17,618 14,779 12,472
Stock option activity and related information	Huntington’s stock option activity and related information for the year ended December 31, 2015 , was as follows: (amounts in thousands, except years and per share amounts) Options Weighted- Weighted- Aggregate Outstanding at January 1, 2015 19,619 $ 6.99 Granted 1,249 10.89 Assumed — Exercised (4,269 ) 6.01 Forfeited/expired (478 ) 17.31 Outstanding at December 31, 2015 16,121 $ 7.25 3.7 $ 64,180 Expected to vest (1) 3,499 $ 9.02 6.3 $ 7,154 Exercisable at December 31, 2015 12,299 $ 6.69 2.9 $ 56,450 (1) The number of options expected to vest includes an estimate of 323 thousand shares expected to be forfeited.
Summary of options by exercise price range	The following table presents additional information regarding options outstanding as of December 31, 2015 : (amounts in thousands, except years and per share amounts) Options Outstanding Exercisable Options Weighted- Range of Exercise Prices Shares Weighted- Average Remaining Contractual Life (Years) Weighted- Average Exercise Price Shares Weighted- Average Exercise Price $0 to $5.63 704 1.2 $ 4.30 704 $ 4.30 $5.64 to $6.02 5,666 2.6 6.02 5,666 6.02 $6.03 to $15.95 9,482 4.6 6.98 5,660 6.98 $15.96 and over 269 0.3 21.07 269 21.07 Total 16,121 3.7 $ 7.25 12,299 $ 6.69
Schedule of restricted stock, restricted stock units, and performance shares	The following table summarizes the status of Huntington’s restricted stock units and performance share awards as of December 31, 2015 , and activity for the year ended December 31, 2015 : Restricted Stock Awards Restricted Stock Units Performance Share Awards (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2015 12 $ 9.53 11,904 $ 7.79 2,579 $ 7.76 Granted — — 4,550 10.84 883 10.94 Assumed — — — — — — Vested (3 ) 9.53 (3,785 ) 7.11 (513 ) 6.77 Forfeited (2 ) 9.53 (499 ) 8.53 (56 ) 6.88 Nonvested at December 31, 2015 7 $ 9.53 12,170 $ 9.11 2,893 $ 8.99

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Schedule of weighted-average assumptions used	The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2015 and 2014 , and the net periodic benefit cost for the years then ended: Pension Post-Retirement 2015 2014 2015 2014 Weighted-average assumptions used to determine benefit obligations Discount rate 4.54 % 4.12 % 3.81 % 3.72 % Rate of compensation increase N/A N/A N/A N/A Weighted-average assumptions used to determine net periodic benefit cost Discount rate (1)(2)(3) 4.12 4.89 3.73 4.11 Expected return on plan assets 7.00 7.25 N/A N/A Rate of compensation increase N/A N/A N/A N/A N/A—Not Applicable (1) The 2014 post-retirement benefit expense was remeasured as of July 31, 2014. The discount rate was 4.27% from January 1, 2014 to July 31, 2014, and was changed to 3.89% for the period from July 31, 2014 to December 31, 2014. (2) The 2015 post-retirement benefit expense was remeasured as of September 30, 2015. The discount rate was 3.72% from January 1, 2015 to September 30, 2015, and was changed to 3.77% for the period from September 30, 2015 to December 31, 2015.
Schedule of changes in projected benefit obligation	The following table reconciles the beginning and ending balances of the benefit obligation of the Plan and the post-retirement benefit plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits Post-Retirement Benefits (dollar amounts in thousands) 2015 2014 2015 2014 Projected benefit obligation at beginning of measurement year $ 799,594 $ 684,999 $ 15,963 $ 25,669 Changes due to: Service cost 1,830 1,740 — — Interest cost 31,937 32,398 506 856 Benefits paid (17,246 ) (16,221 ) (2,211 ) (3,401 ) Settlements (27,976 ) (27,045 ) (6,993 ) — Plan amendments — — — (8,782 ) Plan curtailments — — — — Medicare subsidies — — 117 462 Actuarial assumptions and gains and losses (1) (33,425 ) 123,723 643 1,159 Total changes (44,880 ) 114,595 (7,938 ) (9,706 ) Projected benefit obligation at end of measurement year $ 754,714 $ 799,594 $ 8,025 $ 15,963 (1) The 2014 actuarial assumptions include revised mortality tables.
Schedule of changes in fair value of plan assets	The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2015 and 2014 measurement dates: Pension Benefits (dollar amounts in thousands) 2015 2014 Fair value of plan assets at beginning of measurement year $ 653,013 $ 649,020 Changes due to: Actual return on plan assets (16,122 ) 44,312 Settlements (25,428 ) (24,098 ) Benefits paid (17,246 ) (16,221 ) Total changes (58,796 ) 3,993 Fair value of plan assets at end of measurement year $ 594,217 $ 653,013
Schedule of net periodic benefit costs	The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2015 : Pension Benefits Post-Retirement Benefits (dollar amounts in thousands) 2015 2014 2013 2015 2014 2013 Service cost $ 1,830 $ 1,740 $ 25,122 $ — $ — $ — Interest cost 31,937 32,398 30,112 506 856 862 Expected return on plan assets (44,175 ) (45,783 ) (47,716 ) — — — Amortization of prior service cost — — (2,883 ) (1,968 ) (1,609 ) (1,353 ) Amortization of loss 7,934 5,767 23,044 (401 ) (571 ) (600 ) Curtailment — — (34,613 ) — — — Settlements 12,645 11,200 8,116 (3,090 ) — — Benefit costs $ 10,171 $ 5,322 $ 1,182 $ (4,953 ) $ (1,324 ) $ (1,091 )
Schedule of allocation of plan assets	At December 31, 2015 and 2014 , The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of corporate and government fixed income investments, money market funds, and Huntington mutual funds as follows: Fair Value (dollar amounts in thousands) 2015 2014 Cash equivalents: Federated-money market $ 15,590 3 % $ — — % Huntington funds—money market — — 16,136 2 Fixed income: Corporate obligations 205,081 34 218,077 33 U.S. Government Obligations 64,456 11 62,627 10 Mutual funds-fixed income 32,874 6 34,761 5 U.S. Government Agencies 6,979 1 7,445 1 Equities: Mutual funds-equities 136,026 23 147,191 23 Other common stock 120,046 20 118,970 18 Huntington funds — — 37,920 6 Exchange Traded Funds 6,530 1 6,840 1 Limited Partnerships 6,635 1 3,046 1 Fair value of plan assets $ 594,217 100 % $ 653,013 100 %
Schedule of Huntington stock statistics for benefit plans	The following table shows the number of shares and dividends received on shares of Huntington stock held by the Plan: December 31, (dollar amounts in thousands, except share amounts) 2015 2014 Dividends received on shares of Huntington stock $ — $ 267
Schedule of expected benefit payments	At December 31, 2015, the following table shows when benefit payments were expected to be paid: (dollar amounts in thousands) Pension Benefits Post- Retirement Benefits 2016 $ 51,333 $ 986 2017 50,323 823 2018 48,457 743 2019 47,435 686 2020 46,629 644 2021 through 2025 221,569 2,738
Schedule of amounts recognized in balance sheet	The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2015 and 2014 , for all of Huntington's defined benefit plans: (dollar amounts in thousands) 2015 2014 Accrued expenses and other liabilities (1) $ 192,734 $ 198,947 (1) A current liability of $2 million is included in the amounts above at December 31, 2015 and 2014; the remaining amount is classified as a noncurrent liability.
Schedule of amounts recognized in OCI	The following tables present the amounts recognized in OCI as of December 31, 2015 , 2014 , and 2013 , and the changes in accumulated OCI for the years ended December 31, 2015 , 2014 , and 2013 : (dollar amounts in thousands) 2015 2014 2013 Net actuarial loss $ (243,984 ) $ (240,197 ) $ (166,078 ) Prior service cost 13,237 14,517 9,855 Defined benefit pension plans $ (230,747 ) $ (225,680 ) $ (156,223 ) 2015 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (347,202 ) $ 121,522 $ (225,680 ) Net actuarial (loss) gain: Amounts arising during the year (25,520 ) 8,931 (16,589 ) Amortization included in net periodic benefit costs 19,693 (6,892 ) 12,801 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (1,968 ) 689 (1,279 ) Balance, end of year $ (354,997 ) $ 124,250 $ (230,747 ) 2014 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (240,345 ) $ 84,122 $ (156,223 ) Net actuarial (loss) gain: Amounts arising during the year (133,085 ) 46,580 (86,505 ) Amortization included in net periodic benefit costs 19,056 (6,670 ) 12,386 Prior service cost: Amounts arising during the year 8,781 (3,073 ) 5,708 Amortization included in net periodic benefit costs (1,609 ) 563 (1,046 ) Balance, end of year $ (347,202 ) $ 121,522 $ (225,680 ) 2013 (dollar amounts in thousands) Pretax Benefit After-tax Balance, beginning of year $ (363,691 ) $ 127,292 $ (236,399 ) Net actuarial (loss) gain: Amounts arising during the year 118,666 (41,532 ) 77,134 Amortization included in net periodic benefit costs 29,194 (10,218 ) 18,976 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (24,514 ) 8,580 (15,934 ) Balance, end of year $ (240,345 ) $ 84,122 $ (156,223 )
Defined contribution plan disclosures	The following table shows the costs of providing the defined contribution plan: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Defined contribution plan $ 31,896 $ 31,110 $ 18,238
Schedule of Huntington stock statistics for defined contribution plan	The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in thousands, except share amounts) 2015 2014 Shares in Huntington common stock 13,076,164 12,883,333 Market value of Huntington common stock $ 144,622 $ 135,533 Dividends received on shares of Huntington stock 3,076 2,694

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Reconciliation of gross unrecognized tax benefits	The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in thousands) 2015 2014 Unrecognized tax benefits at beginning of year $ 1,172 $ 704 Gross increases for tax positions taken during current period 23,104 — Gross increases for tax positions taken during prior years — 468 Gross decreases for tax positions taken during prior years (1,172 ) — Unrecognized tax benefits at end of year $ 23,104 $ 1,172
Summary of provision (benefit) for income taxes	The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Current tax provision (benefit) Federal $ 146,195 $ 186,436 $ 117,174 State 5,677 (1,017 ) 4,278 Total current tax provision (benefit) 151,872 185,419 121,452 Deferred tax provision (benefit) Federal 66,823 41,167 112,681 State 1,953 (5,993 ) (6,659 ) Total deferred tax provision (benefit) 68,776 35,174 106,022 Provision for income taxes $ 220,648 $ 220,593 $ 227,474
Reconcilement of provision (benefit) for income taxes	The following is a reconcilement of provision for income taxes: Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Provision for income taxes computed at the statutory rate $ 319,762 $ 298,545 $ 304,065 Increases (decreases): Tax-exempt income (20,839 ) (17,971 ) (34,378 ) Tax-exempt bank owned life insurance income (18,340 ) (19,967 ) (19,747 ) General business credits (47,894 ) (46,047 ) (39,868 ) State deferred tax asset valuation allowance adjustment, net — (7,430 ) (6,020 ) Capital loss (46,288 ) (26,948 ) (961 ) Affordable housing investment amortization, net of tax benefits 31,741 33,752 16,851 State income taxes, net 4,960 2,873 4,472 Other (2,454 ) 3,786 3,060 Provision for income taxes $ 220,648 $ 220,593 $ 227,474
Significant components of deferred tax assets and liabilities	The significant components of deferred tax assets and liabilities at December 31, were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Deferred tax assets: Allowances for credit losses $ 238,415 $ 233,656 Fair value adjustments 121,642 119,512 Net operating and other loss carryforward 61,492 161,548 Accrued expense/prepaid 44,733 48,656 Purchase accounting adjustments 41,917 13,839 Partnership investments 21,614 24,123 Market discount 11,781 12,215 Pension and other employee benefits 2,405 — Tax credit carryforward 1,823 30,825 Other 11,645 9,477 Total deferred tax assets 557,467 653,851 Deferred tax liabilities: Lease financing 261,078 202,298 Loan origination costs 114,488 103,025 Mortgage servicing rights 48,514 47,748 Operating assets 46,685 50,266 Securities adjustments 19,952 27,856 Purchase accounting adjustments 6,944 17,299 Pension and other employee benefits — 9,677 Other 5,463 5,178 Total deferred tax liabilities 503,124 463,347 Net deferred tax asset before valuation allowance 54,343 190,504 Valuation allowance (3,620 ) (73,057 ) Net deferred tax asset $ 50,723 $ 117,447

FAIR VALUES OF ASSETS AND LIA49

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and liabilities measured at fair value on a recurring basis at December 31, 2015 and 2014 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2015 (dollar amounts in thousands) Level 1 Level 2 Level 3 Assets Loans held for sale $ — $ 337,577 $ — $ — $ 337,577 Loans held for investment — 32,889 — — 32,889 Trading account securities: Municipal securities — 4,159 — — 4,159 Other securities 32,475 363 — — 32,838 32,475 4,522 — — 36,997 Available-for-sale and other securities: U.S. Treasury securities 5,472 — — — 5,472 Federal agencies: Mortgage-backed — 4,521,688 — — 4,521,688 Federal agencies: Other agencies — 115,913 — — 115,913 Municipal securities — 360,845 2,095,551 — 2,456,396 Asset-backed securities — 761,076 100,337 — 861,413 Corporate debt — 466,477 — — 466,477 Other securities 11,397 3,899 — — 15,296 16,869 6,229,898 2,195,888 — 8,442,655 Automobile loans — — 1,748 — 1,748 MSRs — — 17,585 — 17,585 Derivative assets — 429,448 6,721 (161,297 ) 274,872 Liabilities Derivative liabilities — 287,994 665 (144,309 ) 144,350 Short-term borrowings — 1,770 — — 1,770 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2014 (dollar amounts in thousands) Level 1 Level 2 Level 3 Assets Loans held for sale $ — $ 354,888 $ — $ — $ 354,888 Loans held for investment — 40,027 — — 40,027 Trading account securities: Federal agencies: Other agencies — 2,857 — — 2,857 Municipal securities — 5,098 — — 5,098 Other securities 33,121 1,115 — — 34,236 33,121 9,070 — — 42,191 Available-for-sale and other securities: U.S. Treasury securities 5,452 — — — 5,452 Federal agencies: Mortgage-backed — 5,322,701 — — 5,322,701 Federal agencies: Other agencies — 351,543 — — 351,543 Municipal securities — 450,976 1,417,593 — 1,868,569 Private-label CMO — 11,462 30,464 — 41,926 Asset-backed securities — 873,260 82,738 — 955,998 Corporate debt — 486,176 — — 486,176 Other securities 17,430 3,316 — — 20,746 22,882 7,499,434 1,530,795 — 9,053,111 Automobile loans — — 10,590 — 10,590 MSRs — — 22,786 — 22,786 Derivative assets — 449,775 4,064 (101,197 ) 352,642 Liabilities Derivative liabilities — 335,524 704 (51,973 ) 284,255 Short-term borrowings — 2,295 — — 2,295 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Roll forward of derivatives measured on a recurring basis and classified as Level 3	The tables below present a rollforward of the balance sheet amounts for the years ended December 31, 2015 , 2014 , and 2013 for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Transfers into Level 3 — — — — — — Transfers out of Level 3 (1) — (2,793 ) — — — — Total gains/losses for the period: Included in earnings (5,201 ) 5,489 149 47 (2,400 ) (497 ) Included in OCI — — (3,652 ) 1,832 24,802 — Purchases/originations — — 1,002,153 — — — Sales — — (9,656 ) (30,077 ) — — Repayments — — — — — (8,345 ) Issues — — — — — — Settlements — — (311,036 ) (2,266 ) (4,803 ) — Closing balance $ 17,585 $ 6,056 $ 2,095,551 $ — $ 100,337 $ 1,748 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (5,201 ) $ 5,489 $ — $ — $ (2,440 ) $ (497 ) (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is transferred to loans held for sale, which is classified as Level 2. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Transfers into Level 3 — — — — — — Transfers out of Level 3 — — — — — — Total gains/losses for the period: Included in earnings (11,450 ) 3,047 — 36 226 (918 ) Included in OCI — — 14,776 452 21,839 — Purchases/originations — — 1,038,348 — — — Sales — — — — (22,870 ) — Repayments — — — — — (40,778 ) Issues — — — — — — Settlements — (2,077 ) (290,068 ) (2,164 ) (23,876 ) — Closing balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (11,450 ) $ 3,047 $ 14,776 $ 452 $ 21,137 $ (1,624 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Automobile loans Balance, beginning of year $ 35,202 $ 12,702 $ 61,228 $ 48,775 $ 110,037 $ 142,762 Total gains / losses: Included in earnings (966 ) (5,944 ) 2,129 (180 ) (2,244 ) (358 ) Included in OCI — — 9,075 1,703 35,139 — Other (1) — — 600,435 — — — Sales — — — (10,254 ) (16,711 ) — Repayments — — — — — (90,118 ) Settlements — (4,368 ) (18,330 ) (7,904 ) (18,802 ) — Balance, end of year $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (966 ) $ (5,944 ) $ 9,075 $ 1,703 $ 35,139 $ (358 ) (1) Effective December 31, 2013 approximately $600 million of direct purchase municipal instruments were reclassified from C&I loans to available-for-sale securities.
Roll forward of assets measured on a recurring basis and classified as Level 3	Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Transfers into Level 3 — — — — — — Transfers out of Level 3 (1) — (2,793 ) — — — — Total gains/losses for the period: Included in earnings (5,201 ) 5,489 149 47 (2,400 ) (497 ) Included in OCI — — (3,652 ) 1,832 24,802 — Purchases/originations — — 1,002,153 — — — Sales — — (9,656 ) (30,077 ) — — Repayments — — — — — (8,345 ) Issues — — — — — — Settlements — — (311,036 ) (2,266 ) (4,803 ) — Closing balance $ 17,585 $ 6,056 $ 2,095,551 $ — $ 100,337 $ 1,748 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (5,201 ) $ 5,489 $ — $ — $ (2,440 ) $ (497 ) (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is transferred to loans held for sale, which is classified as Level 2. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Opening balance $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Transfers into Level 3 — — — — — — Transfers out of Level 3 — — — — — — Total gains/losses for the period: Included in earnings (11,450 ) 3,047 — 36 226 (918 ) Included in OCI — — 14,776 452 21,839 — Purchases/originations — — 1,038,348 — — — Sales — — — — (22,870 ) — Repayments — — — — — (40,778 ) Issues — — — — — — Settlements — (2,077 ) (290,068 ) (2,164 ) (23,876 ) — Closing balance $ 22,786 $ 3,360 $ 1,417,593 $ 30,464 $ 82,738 $ 10,590 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (11,450 ) $ 3,047 $ 14,776 $ 452 $ 21,137 $ (1,624 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Automobile loans Balance, beginning of year $ 35,202 $ 12,702 $ 61,228 $ 48,775 $ 110,037 $ 142,762 Total gains / losses: Included in earnings (966 ) (5,944 ) 2,129 (180 ) (2,244 ) (358 ) Included in OCI — — 9,075 1,703 35,139 — Other (1) — — 600,435 — — — Sales — — — (10,254 ) (16,711 ) — Repayments — — — — — (90,118 ) Settlements — (4,368 ) (18,330 ) (7,904 ) (18,802 ) — Balance, end of year $ 34,236 $ 2,390 $ 654,537 $ 32,140 $ 107,419 $ 52,286 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (966 ) $ (5,944 ) $ 9,075 $ 1,703 $ 35,139 $ (358 ) (1) Effective December 31, 2013 approximately $600 million of direct purchase municipal instruments were reclassified from C&I loans to available-for-sale securities.
Classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities	The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2015 , 2014 , and 2013 : Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income $ (5,201 ) $ 5,489 $ — $ — $ — $ — Securities gains (losses) — — 149 — (2,440 ) — Interest and fee income — — — 47 40 (497 ) Noninterest income — — — — — — Total $ (5,201 ) $ 5,489 $ 149 $ 47 $ (2,400 ) $ (497 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private- label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income $ (11,450 ) $ 3,047 $ — $ — $ — $ — Securities gains (losses) — — — — 170 — Interest and fee income — — — 36 56 (1,032 ) Noninterest income — — — — — 114 Total $ (11,450 ) $ 3,047 $ — $ 36 $ 226 $ (918 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in thousands) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Automobile loans Classification of gains and losses in earnings: Mortgage banking income (loss) $ (966 ) $ (5,944 ) $ — $ — $ — $ — Securities gains (losses) — — — (336 ) (1,466 ) — Interest and fee income — — 2,129 156 (778 ) (3,569 ) Noninterest income — — — — — 3,211 Total $ (966 ) $ (5,944 ) $ 2,129 $ (180 ) $ (2,244 ) $ (358 )
Assets and liabilities under the fair value option	The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: December 31, 2015 December 31, 2014 (dollar amounts in thousands) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 337,577 $ 326,802 $ 10,775 $ 354,888 $ 340,070 $ 14,818 Loans held for investment 32,889 33,637 (748 ) 40,027 40,938 (911 ) Automobile loans 1,748 1,748 — 10,590 10,022 568 The following tables present the net gains (losses) from fair value changes, including net gains (losses) associated with instrument specific credit risk for the years ended December 31, 2015 , 2014 , and 2013 : Net gains (losses) from fair value changes Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Assets Mortgage loans held for sale $ (2,342 ) $ (1,978 ) $ (12,711 ) Automobile loans (568 ) (918 ) (360 ) Gains (losses) included in fair value changes associated with instrument specific credit risk Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Assets Automobile loans $ 199 $ 911 $ 2,207
Assets measured at fair value on a nonrecurring basis	For the year ended December 31, 2015 , assets measured at fair value on a nonrecurring basis were as follows: Fair Value Measurements Using (dollar amounts in thousands) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total MSRs $ 141,726 $ — $ — $ 141,726 $ (2,732 ) Impaired loans 62,029 — — 62,029 (20,762 ) Other real estate owned 27,342 — — 27,342 (4,005 )
Quantitative information about significant unobservable level 3 fair value measurement inputs	The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2015 : Quantitative Information about Level 3 Fair Value Measurements at December 31, 2015 (dollar amounts in thousands) Fair Value Valuation Technique Significant Unobservable Input Range (Weighted Average) MSRs $ 17,585 Discounted cash flow Constant prepayment rate 7.9% - 25.7% (14.7%) Spread over forward interest rate 3.3% - 9.2% (5.4%) Derivative assets 6,721 Consensus Pricing Net market price -3.2% - 20.9% (1.9%) Derivative liabilities 665 Estimated Pull through % 11.9% - 99.8% (76.7%) Municipal securities 2,095,551 Discounted cash flow Discount rate 0.3% - 7.2% (3.1%) Cumulative default 0.1% - 50.0% (2.1%) Loss given default 5.0% - 80.0% (20.5%) Asset-backed securities 100,337 Discounted cash flow Discount rate 4.6% - 10.9% (6.2%) Cumulative prepayment rate 0.0% - 100.% (9.6%) Cumulative default 1.6% - 100% (11.1%) Loss given default 85% - 100% (96.6%) Cure given deferral 0.0% - 75.0% (36.8%) Automobile loans 1,748 Discounted cash flow Constant prepayment rate 154.2 % Discount rate 0.2% - 5.0% (2.3%) Life of pool cumulative losses 2.1 % Impaired loans 62,029 Appraisal value NA NA Other real estate owned 27,342 Appraisal value NA NA
Fair value by balance sheet grouping	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments that are carried either at fair value or cost at December 31, 2015 and December 31, 2014 : December 31, 2015 December 31, 2014 Carrying Fair Carrying Fair (dollar amounts in thousands) Amount Value Amount Value Financial Assets: Cash and short-term assets $ 898,994 $ 898,994 $ 1,285,124 $ 1,285,124 Trading account securities 36,997 36,997 42,191 42,191 Loans held for sale 474,621 484,511 416,327 416,327 Available-for-sale and other securities 8,775,441 8,775,441 9,384,670 9,384,670 Held-to-maturity securities 6,159,590 6,135,458 3,379,905 3,382,715 Net loans and direct financing leases 49,743,256 48,024,998 47,050,530 45,110,406 Derivatives 274,872 274,872 352,642 352,642 Financial Liabilities: Deposits 55,294,979 55,299,435 51,732,151 52,454,804 Short-term borrowings 615,279 615,279 2,397,101 2,397,101 Long-term debt 7,067,614 7,043,014 4,335,962 4,286,304 Derivatives 144,350 144,350 284,255 284,255 The following table presents the level in the fair value hierarchy for the estimated fair values of only Huntington’s financial instruments that are not already on the Consolidated Balance Sheets at fair value at December 31, 2015 and December 31, 2014 : Estimated Fair Value Measurements at Reporting Date Using December 31, 2015 (dollar amounts in thousands) Level 1 Level 2 Level 3 Financial Assets Held-to-maturity securities $ — $ 6,135,458 $ — $ 6,135,458 Net loans and direct financing leases — — 48,024,998 48,024,998 Financial Liabilities Deposits — 51,869,105 3,430,330 55,299,435 Short-term borrowings — 1,770 613,509 615,279 Long-term debt — — 7,043,014 7,043,014 Estimated Fair Value Measurements at Reporting Date Using December 31, 2014 (dollar amounts in thousands) Level 1 Level 2 Level 3 Financial Assets Held-to-maturity securities $ — $ 3,382,715 $ — $ 3,382,715 Net loans and direct financing leases — — 45,110,406 45,110,406 Financial Liabilities Deposits — 48,183,798 4,271,006 52,454,804 Short-term borrowings — — 2,397,101 2,397,101 Long-term debt — — 4,286,304 4,286,304

DERIVATIVE FINANCIAL INSTRUME50

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2015 , identified by the underlying interest rate-sensitive instruments: (dollar amounts in thousands) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Loans $ — $ 8,223,000 $ 8,223,000 Deposits 69,100 — 69,100 Subordinated notes 475,000 — 475,000 Long-term debt 5,385,000 — 5,385,000 Total notional value at December 31, 2015 $ 5,929,100 $ 8,223,000 $ 14,152,100
Additional information about the interest rate swaps used in asset and liability management activities	The following table presents additional information about the interest rate swaps used in Huntington’s asset and liability management activities at December 31, 2015 : Weighted-Average (dollar amounts in thousands ) Notional Value Average Maturity (years) Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 8,223,000 1.1 $ (3,103 ) 0.83 % 0.43 % Total asset conversion swaps 8,223,000 1.1 (3,103 ) 0.83 0.43 Liability conversion swaps Receive fixed—generic 5,929,100 2.7 68,401 1.55 0.40 Total liability conversion swaps 5,929,100 2.7 68,401 1.55 0.40 Total swap portfolio at December 31, 2015 $ 14,152,100 1.8 $ 65,298 1.13 % 0.42 %
Asset and liability derivatives included in accrued income and other assets	The following table presents the fair values at December 31, 2015 and 2014 of Huntington’s derivatives that are designated and not designated as hedging instruments. Amounts in the table below are presented gross without the impact of any net collateral arrangements: Asset derivatives included in accrued income and other assets: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Interest rate contracts designated as hedging instruments $ 80,513 $ 53,114 Interest rate contracts not designated as hedging instruments 190,846 183,610 Foreign exchange contracts not designated as hedging instruments 37,727 32,798 Commodity contracts not designated as hedging instruments 117,894 180,218 Total contracts $ 426,980 $ 449,740 Liability derivatives included in accrued expenses and other liabilities: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Interest rate contracts designated as hedging instruments $ 15,215 $ 12,648 Interest rate contracts not designated as hedging instruments 121,815 110,627 Foreign exchange contracts not designated as hedging instruments 35,283 29,754 Commodity contracts not designated as hedging instruments 114,887 179,180 Total contracts $ 287,200 $ 332,209
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item: Year ended December 31, (dollar amounts in thousands) 2015 2014 2013 Interest rate contracts Change in fair value of interest rate swaps hedging deposits (1) $ (996 ) $ (1,045 ) $ (4,006 ) Change in fair value of hedged deposits (1) 992 1,025 4,003 Change in fair value of interest rate swaps hedging subordinated notes (2) (8,237 ) 476 (44,699 ) Change in fair value of hedged subordinated notes (2) 8,237 (476 ) 44,699 Change in fair value of interest rate swaps hedging long-term debt (2) 3,903 1,990 (5,716 ) Change in fair value of hedged other long-term debt (2) (3,602 ) 828 6,843 (1) Effective portion of the hedging relationship is recognized in Interest expense—deposits in the Consolidated Statements of Income. Any resulting ineffective portion of the hedging relationship is recognized in noninterest income in the Consolidated Statements of Income. (2) Effective portion of the hedging relationship is recognized in Interest expense—subordinated notes and other long-term debt in the Consolidated Statements of Income. Any resulting ineffective portion of the hedging relationship is recognized in noninterest income in the Consolidated Statements of Income.
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	The following table presents the gains and (losses) recognized in OCI and the location in the Consolidated Statements of Income of gains and (losses) reclassified from OCI into earnings for derivatives designated as effective cash flow hedges: Derivatives in cash flow hedging relationships Amount of gain or (loss) recognized in OCI on derivatives (effective portion) Location of gain or (loss) reclassified from accumulated OCI into earnings (effective portion) Amount of (gain) or loss reclassified from accumulated OCI into earnings (effective portion) (pre-tax) (dollar amounts in thousands) 2015 2014 2013 2015 2014 2013 Interest rate contracts Loans $ 8,428 $ 9,192 $ (56,056 ) Interest and fee income—loans and leases $ (210 ) $ (4,064 ) $ (14,979 ) Loans — — — Noninterest income - other income (10 ) 93 (209 ) Total $ 8,428 $ 9,192 $ (56,056 ) $ (220 ) $ (3,971 ) $ (15,188 )
Gains and (losses) recognized in noninterest income on the ineffective portion on interest rate contracts for derivatives designated as fair value and cash flow hedges	The following table presents the gains and (losses) recognized in noninterest income for the ineffective portion of interest rate contracts for derivatives designated as cash flow hedges for the years ending December 31, 2015 , 2014 , and 2013 : December 31, (dollar amounts in thousands) 2015 2014 2013 Derivatives in cash flow hedging relationships Interest rate contracts: Loans $ (763 ) $ 74 $ 878
Offsetting of financial assets and derivatives assets	Offsetting of Financial Assets and Derivative Assets Gross amounts not offset in the consolidated balance sheets (dollar amounts in thousands) Gross amounts of recognized assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Financial instruments Cash collateral received Net amount Offsetting of Financial Assets and Derivative Assets December 31, 2015 Derivatives $ 436,169 $ (161,297 ) $ 274,872 $ (39,305 ) $ (3,462 ) $ 232,105 December 31, 2014 Derivatives 480,803 (128,161 ) 352,642 (27,744 ) (1,095 ) 323,803
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts not offset in the consolidated balance sheets (dollar amounts in thousands) Gross amounts of recognized liabilities Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Financial instruments Cash collateral delivered Net amount Offsetting of Financial Liabilities and Derivative Liabilities December 31, 2015 Derivatives $ 288,659 $ (144,309 ) $ 144,350 $ (62,460 ) $ (20 ) $ 81,870 December 31, 2014 Derivatives 363,192 (78,937 ) 284,255 (78,654 ) (111 ) 205,490
Derivative assets and liabilities used in mortgage banking activities	The following table summarizes the derivative assets and liabilities used in mortgage banking activities: (dollar amounts in thousands) December 31, 2015 December 31, 2014 Derivative assets: Interest rate lock agreements $ 6,721 $ 4,064 Forward trades and options 2,468 35 Total derivative assets 9,189 4,099 Derivative liabilities: Interest rate lock agreements (220 ) (259 ) Forward trades and options (1,239 ) (3,760 ) Total derivative liabilities (1,459 ) (4,019 ) Net derivative asset $ 7,730 $ 80

VIEs (Tables)

VIEs (Tables)	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities	The following tables present the carrying amount and classification of the consolidated trusts’ assets and liabilities that were included in the Consolidated Balance Sheets at December 31, 2015 and 2014 : December 31, 2015 Huntington Technology Other Consolidated Trusts Total (dollar amounts in thousands) Series 2012A Series 2014A Assets: Cash $ 1,377 $ 1,561 $ — $ 2,938 Net loans and leases 32,180 152,331 — 184,511 Accrued income and other assets — — 229 229 Total assets $ 33,557 $ 153,892 $ 229 $ 187,678 Liabilities: Other long-term debt $ 27,153 $ 123,577 $ — $ 150,730 Accrued interest and other liabilities — — 229 229 Total liabilities 27,153 123,577 229 150,959 Equity: Beneficial Interest owned by third party 6,404 30,315 — 36,719 Total liabilities and equity $ 33,557 $ 153,892 $ 229 $ 187,678 December 31, 2014 (dollar amounts in thousands) Other Total Assets: Cash $ — $ — Net loans and leases — — Accrued income and other assets 243 243 Total assets $ 243 $ 243 Liabilities: Other long-term debt $ — $ — Accrued interest and other liabilities 243 243 Total liabilities 243 243 Equity: Beneficial Interest owned by third party — — Total liabilities and equity $ 243 $ 243 The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest, but is not the primary beneficiary, to the VIE at December 31, 2015 , and 2014 : December 31, 2015 (dollar amounts in thousands) Total Assets Total Liabilities Maximum Exposure to Loss 2015-1 Automobile Trust $ 7,695 $ — $ 7,695 2012-1 Automobile Trust 94 — 94 2012-2 Automobile Trust 771 — 771 Trust Preferred Securities 13,919 317,106 — Low Income Housing Tax Credit Partnerships 425,500 196,001 425,500 Other Investments 68,746 25,762 68,746 Total $ 516,725 $ 538,869 $ 502,806 December 31, 2014 (dollar amounts in thousands) Total Assets Total Liabilities Maximum Exposure to Loss 2012-1 Automobile Trust $ 2,136 $ — $ 2,136 2012-2 Automobile Trust 3,220 — 3,220 2011 Automobile Trust 944 — 944 Tower Hill Securities, Inc. 55,611 65,000 55,611 Trust Preferred Securities 13,919 317,075 — Low Income Housing Tax Credit Partnerships 368,283 154,861 368,283 Other Investments 83,400 20,760 83,400 Total $ 527,513 $ 557,696 $ 513,594
Summary of outstanding trust preferred securities	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in thousands) 2015 2014 The Parent Company: Senior Notes: 2.64% Huntington Bancshares Incorporated senior note due 2018 $ 400,544 $ 398,924 Subordinated Notes: Fixed 7.00% subordinated notes due 2020 328,185 330,105 Huntington Capital I Trust Preferred 1.03% junior subordinated debentures due 2027 (1) 111,816 111,816 Sky Financial Capital Trust IV 1.73% junior subordinated debentures due 2036 (3) 74,320 74,320 Sky Financial Capital Trust III 2.01% junior subordinated debentures due 2036 (3) 72,165 72,165 Huntington Capital II Trust Preferred 1.14% junior subordinated debentures due 2028 (2) 54,593 54,593 Camco Statutory Trust I 2.95% due 2037 (4) 4,212 4,181 Total notes issued by the parent 1,045,835 1,046,104 The Bank: Senior Notes: 2.24% Huntington National Bank senior note due 2018 845,016 — 2.10% Huntington National Bank senior note due 2018 750,035 — 1.75% Huntington National Bank senior note due 2018 502,822 — 2.23% Huntington National Bank senior note due 2017 502,549 499,759 2.43% Huntington National Bank senior note due 2020 500,646 — 2.97% Huntington National Bank senior note due 2020 500,489 — 1.43% Huntington National Bank senior note due 2019 500,292 499,760 1.31% Huntington National Bank senior note due 2016 498,925 497,477 1.40% Huntington National Bank senior note due 2016 349,793 349,499 0.74% Huntington National Bank senior note due 2017 (5) 250,000 250,000 5.04% Huntington National Bank medium-term notes due 2018 37,535 38,541 Subordinated Notes: 6.67% subordinated notes due 2018 136,237 140,115 5.59% subordinated notes due 2016 103,357 105,731 5.45% subordinated notes due 2019 83,833 85,783 Total notes issued by the bank 5,561,529 2,466,665 FHLB Advances: 3.46% weighted average rate, varying maturities greater than one year 7,802 758,052 Other: Huntington Technology Finance nonrecourse debt, 4.21% effective interest rate, varying maturities 301,577 — Huntington Technology Finance ABS Trust 2014 1.35% due 2020 123,577 — Huntington Technology Finance ABS Trust 2012 1.79% due 2017 27,153 — Other 141 65,141 Total other 452,448 65,141 Total long-term debt $ 7,067,614 $ 4,335,962 (1) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70% . (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.625% . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40% . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.425% . The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2015 follows: (dollar amounts in thousands) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 1.03 % (2) $ 111,816 $ 6,186 Huntington Capital II 1.14 (3) 54,593 3,093 Sky Financial Capital Trust III 2.01 (4) 72,165 2,165 Sky Financial Capital Trust IV 1.73 (4) 74,320 2,320 Camco Financial Trust 2.95 (5) 4,212 155 Total $ 317,106 $ 13,919 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 0.70 . (3) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 62.5 . (4) Variable effective rate at December 31, 2015 , based on three-month LIBOR + 1.40 . (5) Variable effective rate (including impact of purchase accounting accretion) at December 31, 2015, based on three month LIBOR + 1.33 .

COMMITMENTS AND CONTINGENT LI52

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	The contract amounts of these financial agreements at December 31, 2015 , and December 31, 2014 were as follows: At December 31, (dollar amounts in thousands) 2015 2014 Contract amount represents credit risk Commitments to extend credit: Commercial $ 11,448,927 $ 11,181,522 Consumer 8,574,093 7,579,632 Commercial real estate 813,271 908,112 Standby letters of credit 511,706 497,457

OTHER REGULATORY MATTERS (Table

OTHER REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2015
Banking and Thrift [Abstract]
Period-end capital amounts and capital ratios	Amounts presented prior to January 1, 2015 are calculated using the Basel I capital requirements. Well- December 31, capitalized Minimum 2015 2014 Capital Capital Basel III Basel I (dollar amounts in thousands) Ratios Ratios Ratio Amount Ratio Amount Common equity tier 1 risk-based capital Consolidated N.A. 4.50 % 9.79 % $ 5,721,028 N.A. N.A. Bank 6.50 % 4.50 9.46 5,518,748 N.A. N.A. Tier 1 risk-based capital Consolidated 6.00 6.00 10.53 6,154,000 11.50 % $ 6,265,900 Bank 8.00 6.00 9.83 5,735,274 11.28 6,136,190 Total risk-based capital Consolidated 10.00 8.00 12.64 7,386,936 13.56 7,388,336 Bank 10.00 8.00 11.74 6,850,596 12.79 6,956,242 Tier 1 leverage capital Consolidated N.A. 4.00 8.79 6,154,000 9.74 6,265,900 Bank 5.00 4.00 8.21 5,735,274 9.56 6,136,190

PARENT COMPANY FINANCIAL STAT54

PARENT COMPANY FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Balance Sheets	The parent company financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in thousands) 2015 2014 Assets Cash and cash equivalents $ 917,368 $ 662,768 Due from The Huntington National Bank 406,253 276,851 Due from non-bank subsidiaries 48,151 51,129 Investment in The Huntington National Bank 5,966,783 6,073,408 Investment in non-bank subsidiaries 489,205 509,114 Accrued interest receivable and other assets 192,444 279,366 Total assets $ 8,020,204 $ 7,852,636 Liabilities and shareholders’ equity Long-term borrowings $ 1,045,835 $ 1,046,104 Dividends payable, accrued expenses, and other liabilities 379,763 478,361 Total liabilities 1,425,598 1,524,465 Shareholders’ equity (1) 6,594,606 6,328,170 Total liabilities and shareholders’ equity $ 8,020,204 $ 7,852,635 (1) See Consolidated Statements of Changes in Shareholders’ Equity.
Statements of Income	Statements of Income Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Income Dividends from The Huntington National Bank $ 822,000 $ 244,000 $ — Non-bank subsidiaries 38,883 27,773 55,473 Interest from The Huntington National Bank 5,954 3,906 6,598 Non-bank subsidiaries 2,317 2,613 3,129 Other 4,529 2,994 2,148 Total income 873,683 281,286 67,348 Expense Personnel costs 4,770 53,359 52,846 Interest on borrowings 17,428 17,031 20,739 Other 92,735 52,662 36,728 Total expense 114,933 123,052 110,313 Income (loss) before income taxes and equity in undistributed net income of subsidiaries 758,750 158,234 (42,965 ) Provision (benefit) for income taxes (109,867 ) (62,897 ) (22,298 ) Income (loss) before equity in undistributed net income of subsidiaries 868,617 221,131 (20,667 ) Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank (160,567 ) 414,049 692,392 Non-bank subsidiaries (15,093 ) (2,788 ) (30,443 ) Net income $ 692,957 $ 632,392 $ 641,282 Other comprehensive income (loss) (1) (3,866 ) (8,283 ) (63,192 ) Comprehensive income $ 689,091 $ 624,109 $ 578,090 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail.
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (dollar amounts in thousands) 2015 2014 2013 Operating activities Net income $ 692,957 $ 632,392 $ 641,282 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries 175,660 (411,261 ) (718,144 ) Depreciation and amortization 609 548 513 Loss on sales of securities available-for-sale 540 — — Other, net (44,197 ) 26,685 15,965 Net cash (used for) provided by operating activities 825,569 248,364 (60,384 ) Investing activities Repayments from subsidiaries 494,905 9,250 285,792 Advances to subsidiaries (612,610 ) (32,350 ) (249,050 ) Proceeds from sale of securities available-for-sale 449 — — Cash paid for acquisitions, net of cash received — (13,452 ) — Proceeds from business divestitures 9,029 — — Net cash (used for) provided by investing activities (108,227 ) (36,552 ) 36,742 Financing activities Proceeds from issuance of long-term borrowings — — 400,000 Payment of borrowings — — (50,000 ) Dividends paid on stock (224,390 ) (198,789 ) (182,476 ) Net proceeds from issuance of common stock — 2,597 — Repurchases of common stock (251,844 ) (334,429 ) (124,995 ) Other, net 13,492 15,512 25,707 Net cash provided by (used for) financing activities (462,742 ) (515,109 ) 68,236 Change in cash and cash equivalents 254,600 (303,297 ) 44,594 Cash and cash equivalents at beginning of year 662,768 966,065 921,471 Cash and cash equivalents at end of year $ 917,368 $ 662,768 $ 966,065 Supplemental disclosure: Interest paid $ 17,384 $ 21,321 $ 20,739

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Business Segment Financial Information	Listed below is certain financial information reconciled to Huntington’s December 31, 2015 , December 31, 2014 , and December 31, 2013 , reported results by business segment: Income Statements (dollar amounts in thousands) Retail & Business Banking Commercial Banking AFCRE RBHPCG Home Lending Treasury / Other Huntington Consolidated 2015 Net interest income $ 1,030,238 $ 365,181 $ 381,189 $ 115,608 $ 65,884 $ (7,363 ) $ 1,950,737 Provision for credit losses 42,828 49,460 4,931 65 2,670 — 99,954 Noninterest income 440,261 258,191 29,257 153,160 87,021 70,840 1,038,730 Noninterest expense 1,029,727 283,448 152,010 254,380 157,266 99,077 1,975,908 Provision (benefit) for income taxes 139,280 101,662 88,727 5,013 (2,461 ) (111,573 ) 220,648 Net income (loss) $ 258,664 $ 188,802 $ 164,778 $ 9,310 $ (4,570 ) $ 75,973 $ 692,957 2014 Net interest income $ 912,992 $ 306,434 $ 379,363 $ 101,839 $ 58,015 $ 78,498 $ 1,837,141 Provision (Benefit) for credit losses 75,529 31,521 (52,843 ) 4,893 21,889 — 80,989 Noninterest income 409,746 209,238 26,628 173,550 69,899 90,118 979,179 Noninterest expense 982,288 249,300 156,715 236,634 136,374 121,035 1,882,346 Provision (benefit) for income taxes 92,722 82,198 105,742 11,852 (10,622 ) (61,299 ) 220,593 Net income (loss) $ 172,199 $ 152,653 $ 196,377 $ 22,010 $ (19,727 ) $ 108,880 $ 632,392 2013 Net interest income $ 902,526 $ 281,461 $ 366,508 $ 105,862 $ 51,839 $ (3,588 ) $ 1,704,608 Provision (Benefit) for credit losses 137,978 27,464 (82,269 ) (5,376 ) 12,249 (1 ) 90,045 Noninterest income 398,065 200,573 46,819 186,430 106,006 74,303 1,012,196 Noninterest expense 964,193 254,629 156,469 236,895 141,489 4,328 1,758,003 Provision (benefit) for income taxes 69,447 69,979 118,694 21,271 1,437 (53,354 ) 227,474 Net income $ 128,973 $ 129,962 $ 220,433 $ 39,502 $ 2,670 $ 119,742 $ 641,282
Segment Disclosure of Assets and Deposits	Assets at December 31, Deposits at December 31, (dollar amounts in thousands) 2015 2014 2015 2014 Retail & Business Banking $ 15,822,568 $ 15,146,857 $ 30,875,607 $ 29,350,255 Commercial Banking 16,943,458 15,043,477 11,424,778 11,184,566 AFCRE 17,855,600 16,027,910 1,651,702 1,377,921 RBHPCG 3,458,847 3,871,020 7,690,581 6,727,892 Home Lending 3,917,198 3,949,247 361,881 326,841 Treasury / Other 13,046,880 12,259,499 3,290,430 2,764,676 Total $ 71,044,551 $ 66,298,010 $ 55,294,979 $ 51,732,151

QUARTERLY RESULTS OF OPERATIO56

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of quarterly results of operations	The following is a summary of the quarterly results of operations, for the years ended December 31, 2015 and 2014 : Three months ended December 31, September 30, June 30, March 31, (dollar amounts in thousands, except per share data) 2015 2015 2015 2015 Interest income $ 544,153 $ 538,477 $ 529,795 $ 502,096 Interest expense 47,242 43,022 39,109 34,411 Net interest income 496,911 495,455 490,686 467,685 Provision for credit losses 36,468 22,476 20,419 20,591 Noninterest income 272,215 253,119 281,773 231,623 Noninterest expense 498,766 526,508 491,777 458,857 Income before income taxes 233,892 199,590 260,263 219,860 Provision for income taxes 55,583 47,002 64,057 54,006 Net income 178,309 152,588 196,206 165,854 Dividends on preferred shares 7,972 7,968 7,968 7,965 Net income applicable to common shares $ 170,337 $ 144,620 $ 188,238 $ 157,889 Net income per common share — Basic $ 0.21 $ 0.18 $ 0.23 $ 0.19 Net income per common share — Diluted 0.21 0.18 0.23 0.19 Three months ended December 31, September 30, June 30, March 31, (dollar amounts in thousands, except per share data) 2014 2014 2014 2014 Interest income $ 507,625 $ 501,060 $ 495,322 $ 472,455 Interest expense 34,373 34,725 35,274 34,949 Net interest income 473,252 466,335 460,048 437,506 Provision for credit losses 2,494 24,480 29,385 24,630 Noninterest income 233,278 247,349 250,067 248,485 Noninterest expense 483,271 480,318 458,636 460,121 Income before income taxes 220,765 208,886 222,094 201,240 Provision for income taxes 57,151 53,870 57,475 52,097 Net income 163,614 155,016 164,619 149,143 Dividends on preferred shares 7,963 7,964 7,963 7,964 Net income applicable to common shares $ 155,651 $ 147,052 $ 156,656 $ 141,179 Net income per common share — Basic $ 0.19 $ 0.18 $ 0.19 $ 0.17 Net income per common share — Diluted 0.19 0.18 0.19 0.17

SIGNIFICANT ACCOUNTING POLICI57

SIGNIFICANT ACCOUNTING POLICIES - Loans and Leases (Details)	12 Months Ended
	Dec. 31, 2015USD ($)reservecomponent
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance number of reserves | reserve	2
Allowance number of components of reserve | component	2
C&I
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Threshold outstanding balance for quarterly impairment evaluation	$ 1,000,000
CRE
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Threshold outstanding balance for quarterly impairment evaluation	$ 1,000,000
Home Equity | First-lien home equity loan
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Home Equity | Junior-lien home equity loan
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	120 days
Threshold past due for write-off	120 days
Automobile
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	120 days
Threshold past due for write-off	120 days
Other Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	120 days
Threshold past due for write-off	120 days
Residential Mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days

SIGNIFICANT ACCOUNTING POLICI58

SIGNIFICANT ACCOUNTING POLICIES - Property, Plant, and Equipment (Details)	12 Months Ended
	Dec. 31, 2015
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	30 years
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	40 years
Building Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	10 years
Building Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	30 years
Land Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	5 years
Land Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	20 years
Equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	3 years
Equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	10 years
Furniture and Fixtures | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	5 years
Furniture and Fixtures | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	20 years

LOANS AND LEASES AND ALLOWANC59

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2015USD ($)securitization	Dec. 31, 2015USD ($)securitization	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Mar. 01, 2014USD ($)	Dec. 31, 2012USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans net premium		$ 262,000,000	$ 230,000,000
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Future lease rental payments due		1,600,000,000
Future lease rental payments due, in 2016		500,000,000
Future lease rental payments due, in 2017		400,000,000
Future lease rental payments due, in 2018		300,000,000
Future lease rental payments due, in 2019		200,000,000
Future lease rental payments due, in 2020		100,000,000
Future lease rental payments due, after 2020		100,000,000
Allowance for loan and lease losses		597,843,000	605,196,000	$ 647,870,000		$ 769,075,000
Interest income under original terms for NAL loans		20,000,000	21,000,000	23,000,000
Interest income recorded for NAL loans		10,000,000	8,000,000	5,000,000
Interest income under original terms for TDR loans		46,000,000	45,000,000	44,000,000
Interest income recorded for TDR loans		$ 41,000,000	39,000,000	36,000,000
Redefault status number of days		90 days
Threshold period of consecutive payments to remove from nonaccrual status		6 months
Amount of security for borrowing and advances		$ 17,500,000,000
Macquarie Equipment Finance
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Leases and loans receivable, fair value	$ 839,000,000
Lease residual value	$ 200,000,000
Amount of security for borrowing and advances		$ 185,000,000
Number of securitizations | securitization	2	2
Camco Financial
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Leases and loans receivable, fair value					$ 559,000,000
Purchase credit-impaired
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Allowance for loan and lease losses		$ 3,000,000	4,000,000
C&I
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Allowance for loan and lease losses		298,746,000	286,995,000	265,801,000		241,051,000
Threshold outstanding balance for quarterly impairment evaluation		$ 1,000,000
Redefault status number of days		90 days
Threshold period past due for nonperforming status		90 days
Residential Mortgage
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Allowance for loan and lease losses		$ 41,646,000	$ 47,211,000	$ 39,577,000		$ 61,658,000
Threshold period past due for nonperforming status		150 days

LOANS AND LEASES AND ALLOWANC60

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Direct Financing Leases (Details) - C&I - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	$ 1,551,885	$ 1,051,744
Estimated residual value of leased assets	711,181	483,407
Gross investment in commercial lease financing receivables	2,263,066	1,535,151
Net deferred origination costs	7,068	2,557
Unearned income	(208,669)	(131,027)
Total net investment in commercial lease financing receivables	$ 2,061,465	$ 1,406,681

LOANS AND LEASES AND ALLOWANC61

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Certain Loans Acquired Accretable Yield Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fidelity Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance, beginning of period	$ 19,388	$ 27,995
Accretion	(11,032)	(13,485)
Reclassification from nonaccretable difference	7,856	4,878
Balance, end of period	16,212	19,388
Camco Financial
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance, beginning of period	824	0
Impact of acquisition on March 1, 2014	0	143
Accretion	(1,380)	(5,597)
Reclassification from nonaccretable difference	556	6,278
Balance, end of period	$ 0	$ 824

LOANS AND LEASES AND ALLOWANC62

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Certain Loans Acquired Ending and Unpaid Balances (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fidelity Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	$ 36,281	$ 61,031
Acquired loans, unpaid balance	88,324	124,091
Camco Financial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	0	2,531
Acquired loans, unpaid balance	0	5,511
C&I | Fidelity Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	21,017	22,405
Acquired loans, unpaid balance	30,676	33,622
C&I | Camco Financial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	0	823
Acquired loans, unpaid balance	0	1,685
CRE | Fidelity Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	13,758	36,663
Acquired loans, unpaid balance	55,358	87,250
CRE | Camco Financial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	0	1,708
Acquired loans, unpaid balance	0	3,826
Residential Mortgage | Fidelity Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	1,454	1,912
Acquired loans, unpaid balance	2,189	3,096
Residential Mortgage | Camco Financial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	0	0
Acquired loans, unpaid balance	0	0
Other Consumer | Fidelity Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	52	51
Acquired loans, unpaid balance	101	123
Other Consumer | Camco Financial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Acquired loans, carrying amount	0	0
Acquired loans, unpaid balance	$ 0	$ 0

LOANS AND LEASES AND ALLOWANC63

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Loan Purchases and Sales (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			$ 336,715	$ 345,039
Portfolio loans sold or transferred			1,242,039	368,101
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			316,252	326,557
Portfolio loans sold or transferred			380,713	352,062
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			0	0
Portfolio loans sold or transferred			0	8,447
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			0	0
Portfolio loans sold or transferred			764,540	0
Portfolio loans transferred to held-for-sale		$ 1,000,000
Portfolio loans transferred to loans and leases	$ 262,000
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			0	0
Portfolio loans sold or transferred			96,786	0
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			20,463	18,482
Portfolio loans sold or transferred			0	0
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Portfolio loans purchased			0	0
Portfolio loans sold or transferred			$ 0	$ 7,592

LOANS AND LEASES AND ALLOWANC64

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	$ 371,581	$ 300,244
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	175,195	71,974
C&I | Owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	35,481	41,285
C&I | Other commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	139,714	30,689
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	28,984	48,523
CRE | Retail properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	7,217	21,385
CRE | Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	5,819	9,743
CRE | Office
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	10,495	7,707
CRE | Industrial and warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	2,202	3,928
CRE | Other commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	3,251	5,760
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	6,564	4,623
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	66,278	78,560
Home Equity | First-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	35,389	46,938
Home Equity | Junior-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	30,889	31,622
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	94,560	96,564
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	$ 0	$ 0

LOANS AND LEASES AND ALLOWANC65

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - NALs Past Due (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		$ 609,579	$ 598,363
Loans and leases, current		49,731,520	47,057,363
Loans and leases	[1]	50,341,099	47,655,726
90 or more days past due and accruing		105,790	130,481
Amount guaranteed by government		56,000	55,000
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		269,219	234,853
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		87,321	81,470
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		253,039	282,040
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		105,273	58,185
Loans and leases, current		20,454,561	18,974,961
Loans and leases		20,559,834	19,033,146
90 or more days past due and accruing		8,724	4,937
C&I | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		44,715	21,408
C&I | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		13,580	4,517
C&I | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		46,978	32,260
C&I | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		7,677	5,783
Loans and leases, current		13,340	17,445
Loans and leases		21,017	23,228
90 or more days past due and accruing		5,949	4,937
C&I | Purchase credit-impaired | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		292	846
C&I | Purchase credit-impaired | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,436	0
C&I | Purchase credit-impaired | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		5,949	4,937
C&I | Owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		29,353	26,435
Loans and leases, current		3,983,447	4,228,440
Loans and leases		4,012,800	4,254,875
90 or more days past due and accruing		0	0
C&I | Owner occupied | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		11,947	5,232
C&I | Owner occupied | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		3,613	2,981
C&I | Owner occupied | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		13,793	18,222
C&I | Other commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		68,243	25,967
Loans and leases, current		16,457,774	14,729,076
Loans and leases		16,526,017	14,755,043
90 or more days past due and accruing		2,775	0
C&I | Other commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		32,476	15,330
C&I | Other commercial and industrial | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		8,531	1,536
C&I | Other commercial and industrial | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		27,236	9,101
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		36,619	51,701
Loans and leases, current		5,232,032	5,145,702
Loans and leases		5,268,651	5,197,403
90 or more days past due and accruing		9,549	18,793
CRE | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		9,232	11,471
CRE | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		5,721	3,049
CRE | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		21,666	37,181
CRE | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		13,469	19,171
Loans and leases, current		289	19,200
Loans and leases		13,758	38,371
90 or more days past due and accruing		9,549	18,793
CRE | Purchase credit-impaired | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		102	89
CRE | Purchase credit-impaired | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		3,818	289
CRE | Purchase credit-impaired | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		9,549	18,793
CRE | Retail properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		5,655	11,887
Loans and leases, current		1,501,054	1,345,859
Loans and leases		1,506,709	1,357,746
90 or more days past due and accruing		0	0
CRE | Retail properties | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,823	7,866
CRE | Retail properties | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		195	0
CRE | Retail properties | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		3,637	4,021
CRE | Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		4,789	5,166
Loans and leases, current		1,073,429	1,085,250
Loans and leases		1,078,218	1,090,416
90 or more days past due and accruing		0	0
CRE | Multi family | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		961	1,517
CRE | Multi family | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,137	312
CRE | Multi family | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		2,691	3,337
CRE | Office
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		8,294	6,046
Loans and leases, current		886,331	974,257
Loans and leases		894,625	980,303
90 or more days past due and accruing		0	0
CRE | Office | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		5,022	464
CRE | Office | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		256	1,167
CRE | Office | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		3,016	4,415
CRE | Industrial and warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		466	3,337
Loans and leases, current		503,701	510,064
Loans and leases		504,167	513,401
90 or more days past due and accruing		0	0
CRE | Industrial and warehouse | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		93	688
CRE | Industrial and warehouse | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
CRE | Industrial and warehouse | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		373	2,649
CRE | Other commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		3,946	6,094
Loans and leases, current		1,267,228	1,211,072
Loans and leases		1,271,174	1,217,166
90 or more days past due and accruing		0	0
CRE | Other commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,231	847
CRE | Other commercial real estate | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		315	1,281
CRE | Other commercial real estate | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		2,400	3,966
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		91,864	72,662
Loans and leases, current		9,388,814	8,617,240
Loans and leases		9,480,678	8,689,902
90 or more days past due and accruing		7,162	5,703
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		69,553	56,272
Automobile | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		14,965	10,427
Automobile | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		7,346	5,963
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		109,682	124,311
Loans and leases, current		8,360,800	8,366,604
Loans and leases		8,470,482	8,490,915
90 or more days past due and accruing		9,044	12,159
Home Equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		36,477	37,509
Home Equity | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		16,905	20,382
Home Equity | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		56,300	66,420
Home Equity | First-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		52,229	56,135
Loans and leases, current		5,139,256	5,072,669
Loans and leases		5,191,485	5,128,804
90 or more days past due and accruing		4,499	4,471
Home Equity | First-lien home equity loan | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		18,349	15,036
Home Equity | First-lien home equity loan | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		7,576	8,085
Home Equity | First-lien home equity loan | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		26,304	33,014
Home Equity | Junior-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		57,453	68,176
Loans and leases, current		3,221,544	3,293,935
Loans and leases		3,278,997	3,362,111
90 or more days past due and accruing		4,545	7,688
Home Equity | Junior-lien home equity loan | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		18,128	22,473
Home Equity | Junior-lien home equity loan | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		9,329	12,297
Home Equity | Junior-lien home equity loan | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		29,996	33,406
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		256,425	284,090
Loans and leases, current		5,741,975	5,546,519
Loans and leases		5,998,400	5,830,609
90 or more days past due and accruing		69,917	88,052
Residential Mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		102,773	102,702
Residential Mortgage | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		34,298	42,009
Residential Mortgage | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		119,354	139,379
Residential Mortgage | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		103	0
Loans and leases, current		1,351	1,912
Loans and leases		1,454	1,912
90 or more days past due and accruing		0	0
Residential Mortgage | Purchase credit-impaired | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		103	0
Residential Mortgage | Purchase credit-impaired | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Residential Mortgage | Purchase credit-impaired | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Residential Mortgage | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		256,322	284,090
Loans and leases, current		5,740,624	5,544,607
Loans and leases		5,996,946	5,828,697
90 or more days past due and accruing		69,917	88,052
Residential Mortgage | Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		102,670	102,702
Residential Mortgage | Residential mortgage | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		34,298	42,009
Residential Mortgage | Residential mortgage | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		119,354	139,379
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		9,716	7,414
Loans and leases, current		553,338	406,337
Loans and leases		563,054	413,751
90 or more days past due and accruing		1,394	837
Other Consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		6,469	5,491
Other Consumer | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,852	1,086
Other Consumer | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,395	837
Other Consumer | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Loans and leases, current		52	51
Loans and leases		52	51
90 or more days past due and accruing		0	0
Other Consumer | Purchase credit-impaired | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Other Consumer | Purchase credit-impaired | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Other Consumer | Purchase credit-impaired | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		0	0
Other Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		9,716	7,414
Loans and leases, current		553,286	406,286
Loans and leases		563,002	413,700
90 or more days past due and accruing		1,394	837
Other Consumer | Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		6,469	5,491
Other Consumer | Other consumer | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		1,852	1,086
Other Consumer | Other consumer | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due		$ 1,395	$ 837
[1]	Amounts represent loans for which Huntington has elected the fair value option.

LOANS AND LEASES AND ALLOWANC66

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	$ 605,196	$ 647,870	$ 769,075
Loan charge-offs	(217,881)	(246,601)	(306,316)
Recoveries of loans previously charged-off	130,088	121,974	117,650
Provision (reduction in allowance) for loan and lease losses	88,679	83,082	67,797
Write-downs of loans sold or transferred to loans held for sale	(8,239)	(1,129)	(336)
ALLL balance end of period	597,843	605,196	647,870
AULC balance beginning of period	60,806	62,899	40,651
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	11,275	(2,093)	22,248
AULC balance end of period	72,081	60,806	62,899
ACL balance end of period	669,924	666,002	710,769
C&I
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	286,995	265,801	241,051
Loan charge-offs	(79,724)	(76,654)	(45,904)
Recoveries of loans previously charged-off	51,800	44,531	29,514
Provision (reduction in allowance) for loan and lease losses	39,675	53,317	41,140
Write-downs of loans sold or transferred to loans held for sale	0	0	0
ALLL balance end of period	298,746	286,995	265,801
AULC balance beginning of period	48,988	49,596	33,868
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	6,898	(608)	15,728
AULC balance end of period	55,886	48,988	49,596
ACL balance end of period	354,632	335,983	315,397
CRE
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	102,839	162,557	285,369
Loan charge-offs	(18,076)	(24,704)	(69,512)
Recoveries of loans previously charged-off	34,619	34,071	44,658
Provision (reduction in allowance) for loan and lease losses	(19,375)	(69,085)	(97,958)
Write-downs of loans sold or transferred to loans held for sale	0	0	0
ALLL balance end of period	100,007	102,839	162,557
AULC balance beginning of period	6,041	9,891	4,740
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	1,521	(3,850)	5,151
AULC balance end of period	7,562	6,041	9,891
ACL balance end of period	107,569	108,880	172,448
Automobile
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	33,466	31,053	34,979
Loan charge-offs	(36,489)	(31,330)	(23,912)
Recoveries of loans previously charged-off	16,198	13,762	13,375
Provision (reduction in allowance) for loan and lease losses	38,621	19,981	6,611
Write-downs of loans sold or transferred to loans held for sale	(2,292)	0	0
ALLL balance end of period	49,504	33,466	31,053
AULC balance beginning of period	0	0	0
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	0	0	0
AULC balance end of period	0	0	0
ACL balance end of period	49,504	33,466	31,053
Home Equity
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	96,413	111,131	118,764
Loan charge-offs	(36,481)	(54,473)	(98,184)
Recoveries of loans previously charged-off	16,631	17,526	15,921
Provision (reduction in allowance) for loan and lease losses	12,173	22,229	74,630
Write-downs of loans sold or transferred to loans held for sale	(5,065)	0	0
ALLL balance end of period	83,671	96,413	111,131
AULC balance beginning of period	1,924	1,763	1,356
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	144	161	407
AULC balance end of period	2,068	1,924	1,763
ACL balance end of period	85,739	98,337	112,894
Residential Mortgage
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	47,211	39,577	61,658
Loan charge-offs	(15,696)	(25,946)	(34,236)
Recoveries of loans previously charged-off	5,570	6,194	7,074
Provision (reduction in allowance) for loan and lease losses	5,443	27,386	5,417
Write-downs of loans sold or transferred to loans held for sale	(882)	0	(336)
ALLL balance end of period	41,646	47,211	39,577
AULC balance beginning of period	8	9	3
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	10	(1)	6
AULC balance end of period	18	8	9
ACL balance end of period	41,664	47,219	39,586
Other Consumer
Financing Receivable, Allowance for Credit Losses [Roll Forward]
ALLL balance beginning of period	38,272	37,751	27,254
Loan charge-offs	(31,415)	(33,494)	(34,568)
Recoveries of loans previously charged-off	5,270	5,890	7,108
Provision (reduction in allowance) for loan and lease losses	12,142	29,254	37,957
Write-downs of loans sold or transferred to loans held for sale	0	(1,129)	0
ALLL balance end of period	24,269	38,272	37,751
AULC balance beginning of period	3,845	1,640	684
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	2,702	2,205	956
AULC balance end of period	6,547	3,845	1,640
ACL balance end of period	$ 30,816	$ 42,117	$ 39,391

LOANS AND LEASES AND ALLOWANC67

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality Indicators (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases	[1]	$ 20,559,834	$ 19,033,146
Commercial real estate loans	[1]	5,268,651	5,197,403
Automobile loans	[1]	9,480,678	8,689,902
Home equity loans	[1]	8,470,482	8,490,915
Residential mortgage loans	[1]	5,998,400	5,830,609
Other consumer loans	[1]	563,054	413,751
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		20,559,834	19,033,146
C&I | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		19,257,789	17,888,295
C&I | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		399,339	505,044
C&I | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		895,577	630,704
C&I | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		7,129	9,103
C&I | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		21,017	23,228
C&I | Purchase credit-impaired | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		3,051	3,915
C&I | Purchase credit-impaired | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		674	741
C&I | Purchase credit-impaired | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		15,661	14,901
C&I | Purchase credit-impaired | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		1,631	3,671
C&I | Owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		4,012,800	4,254,875
C&I | Owner occupied | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		3,731,113	3,959,046
C&I | Owner occupied | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		114,490	117,637
C&I | Owner occupied | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		165,301	175,767
C&I | Owner occupied | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		1,896	2,425
C&I | Other commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		16,526,017	14,755,043
C&I | Other commercial and industrial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		15,523,625	13,925,334
C&I | Other commercial and industrial | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		284,175	386,666
C&I | Other commercial and industrial | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		714,615	440,036
C&I | Other commercial and industrial | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial loans and leases		3,602	3,007
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		5,268,651	5,197,403
CRE | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		5,066,054	4,886,720
CRE | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		79,787	74,234
CRE | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		121,167	226,071
CRE | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,643	10,378
CRE | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		13,758	38,371
CRE | Purchase credit-impaired | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		7,194	6,914
CRE | Purchase credit-impaired | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		397	803
CRE | Purchase credit-impaired | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		6,167	25,460
CRE | Purchase credit-impaired | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		0	5,194
CRE | Retail properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,506,709	1,357,746
CRE | Retail properties | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,473,014	1,279,064
CRE | Retail properties | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		10,865	10,204
CRE | Retail properties | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		22,830	67,911
CRE | Retail properties | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		0	567
CRE | Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,078,218	1,090,416
CRE | Multi family | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,029,138	1,044,521
CRE | Multi family | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		28,862	12,608
CRE | Multi family | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		19,898	32,322
CRE | Multi family | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		320	965
CRE | Office
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		894,625	980,303
CRE | Office | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		822,824	902,474
CRE | Office | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		35,350	33,107
CRE | Office | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		36,011	42,578
CRE | Office | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		440	2,144
CRE | Industrial and warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		504,167	513,401
CRE | Industrial and warehouse | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		493,402	487,454
CRE | Industrial and warehouse | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		259	7,877
CRE | Industrial and warehouse | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		10,450	17,781
CRE | Industrial and warehouse | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		56	289
CRE | Other commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,271,174	1,217,166
CRE | Other commercial real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		1,240,482	1,166,293
CRE | Other commercial real estate | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		4,054	9,635
CRE | Other commercial real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		25,811	40,019
CRE | Other commercial real estate | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial real estate loans		827	1,219
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Automobile loans		9,480,678	8,689,902
Automobile | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Automobile loans		4,680,684	4,165,811
Automobile | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Automobile loans		3,454,585	3,249,141
Automobile | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Automobile loans		1,086,914	1,028,381
Automobile | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Automobile loans		258,495	246,569
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		8,470,482	8,490,915
Home Equity | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		5,210,741	5,087,751
Home Equity | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		2,466,425	2,521,523
Home Equity | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		582,326	631,977
Home Equity | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		210,990	249,664
Home Equity | First-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		5,191,485	5,128,804
Home Equity | First-lien home equity loan | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		3,369,657	3,255,088
Home Equity | First-lien home equity loan | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		1,441,574	1,426,191
Home Equity | First-lien home equity loan | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		258,328	283,152
Home Equity | First-lien home equity loan | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		121,926	164,373
Home Equity | Junior-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		3,278,997	3,362,111
Home Equity | Junior-lien home equity loan | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		1,841,084	1,832,663
Home Equity | Junior-lien home equity loan | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		1,024,851	1,095,332
Home Equity | Junior-lien home equity loan | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		323,998	348,825
Home Equity | Junior-lien home equity loan | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loans		89,064	85,291
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		5,998,400	5,830,609
Residential Mortgage | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		3,564,064	3,285,904
Residential Mortgage | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		1,813,779	1,786,272
Residential Mortgage | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		567,984	666,745
Residential Mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		52,573	91,688
Residential Mortgage | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		1,454	1,912
Residential Mortgage | Purchase credit-impaired | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		381	594
Residential Mortgage | Purchase credit-impaired | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		777	1,135
Residential Mortgage | Purchase credit-impaired | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		296	183
Residential Mortgage | Purchase credit-impaired | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		0	0
Residential Mortgage | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		5,996,946	5,828,697
Residential Mortgage | Residential mortgage | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		3,563,683	3,285,310
Residential Mortgage | Residential mortgage | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		1,813,002	1,785,137
Residential Mortgage | Residential mortgage | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		567,688	666,562
Residential Mortgage | Residential mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans		52,573	91,688
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		563,054	413,751
Other Consumer | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		233,969	195,128
Other Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		269,746	187,832
Other Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		49,650	30,582
Other Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		9,689	209
Other Consumer | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		52	51
Other Consumer | Purchase credit-impaired | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		0	0
Other Consumer | Purchase credit-impaired | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		52	51
Other Consumer | Purchase credit-impaired | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		0	0
Other Consumer | Purchase credit-impaired | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		0	0
Other Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		563,002	413,700
Other Consumer | Other consumer | 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		233,969	195,128
Other Consumer | Other consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		269,694	187,781
Other Consumer | Other consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		49,650	30,582
Other Consumer | Other consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other consumer loans		$ 9,689	$ 209
[1]	Amounts represent loans for which Huntington has elected the fair value option.

LOANS AND LEASES AND ALLOWANC68

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - ALLL Attributable to Loans by Portfolio Segment (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		$ 532,678	$ 526,854
Attributable to loans individually evaluated for impairment		62,436	74,243
Total ALLL balance:		597,843	605,196	$ 647,870	$ 769,075
Collectively evaluated for impairment		49,027,030	46,443,186
Individually evaluated for impairment		1,277,788	1,148,978
Total loans and leases evaluated for impairment	[1]	50,341,099	47,655,726
With allowance assigned to the loan and lease balances		989,956	1,063,224
With no allowance assigned to the loan and lease balances		324,113	149,316
Total		1,314,069	1,212,540
Average balance of impaired loans		1,284,719	1,366,329
ALLL on impaired loans		65,165	78,342
Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		2,729	4,099
Total ALLL balance:		3,000	4,000
Collectively evaluated for impairment		36,281	63,562
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		276,830	272,100
Attributable to loans individually evaluated for impairment		19,314	11,049
Total ALLL balance:		298,746	286,995	265,801	241,051
Collectively evaluated for impairment		20,057,784	18,792,925
Individually evaluated for impairment		481,033	216,993
Total loans and leases evaluated for impairment		20,559,834	19,033,146
With allowance assigned to the loan and lease balances		246,249	202,376
With no allowance assigned to the loan and lease balances		255,801	37,845
Total		502,050	240,221
Average balance of impaired loans		382,051	174,316
ALLL on impaired loans		21,916	14,895
C&I | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		2,602	3,846
Collectively evaluated for impairment		21,017	23,228
Total loans and leases evaluated for impairment		21,017	23,228
With allowance assigned to the loan and lease balances		21,017	23,228
With no allowance assigned to the loan and lease balances		0	0
ALLL on impaired loans		2,602	3,846
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		91,893	83,952
Attributable to loans individually evaluated for impairment		8,114	18,887
Total ALLL balance:		100,007	102,839	162,557	285,369
Collectively evaluated for impairment		5,109,916	4,941,770
Individually evaluated for impairment		144,977	217,262
Total loans and leases evaluated for impairment		5,268,651	5,197,403
With allowance assigned to the loan and lease balances		90,475	144,162
With no allowance assigned to the loan and lease balances		68,260	111,471
Total		158,735	255,633
Average balance of impaired loans		202,192	511,590
ALLL on impaired loans		8,114	18,887
CRE | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		0	0
Collectively evaluated for impairment		13,758	38,371
Total loans and leases evaluated for impairment		13,758	38,371
With allowance assigned to the loan and lease balances		0	0
With no allowance assigned to the loan and lease balances		13,758	38,371
ALLL on impaired loans		0	0
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		47,725	31,935
Attributable to loans individually evaluated for impairment		1,779	1,531
Total ALLL balance:		49,504	33,466	31,053	34,979
Collectively evaluated for impairment		9,449,374	8,659,290
Individually evaluated for impairment		31,304	30,612
Total loans and leases evaluated for impairment		9,480,678	8,689,902
With allowance assigned to the loan and lease balances		31,304	30,612
With no allowance assigned to the loan and lease balances		0	0
Total		31,304	30,612
Average balance of impaired loans		30,163	34,637
ALLL on impaired loans		1,779	1,531
Automobile | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		0	0
Collectively evaluated for impairment		0	0
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		67,429	70,386
Attributable to loans individually evaluated for impairment		16,242	26,027
Total ALLL balance:		83,671	96,413	111,131	118,764
Collectively evaluated for impairment		8,221,643	8,180,469
Individually evaluated for impairment		248,839	310,446
Total loans and leases evaluated for impairment		8,470,482	8,490,915
With allowance assigned to the loan and lease balances		248,839	310,446
With no allowance assigned to the loan and lease balances		0	0
Total		248,839	310,446
Average balance of impaired loans		292,014	258,881
ALLL on impaired loans		16,242	26,027
Home Equity | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		0	0
Collectively evaluated for impairment		0	0
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		24,708	30,668
Attributable to loans individually evaluated for impairment		16,811	16,535
Total ALLL balance:		41,646	47,211	39,577	61,658
Collectively evaluated for impairment		5,629,951	5,459,120
Individually evaluated for impairment		366,995	369,577
Total loans and leases evaluated for impairment		5,998,400	5,830,609
With allowance assigned to the loan and lease balances		368,449	371,489
With no allowance assigned to the loan and lease balances		0	0
Total		368,449	371,489
Average balance of impaired loans		373,573	384,026
ALLL on impaired loans		16,938	16,543
Residential Mortgage | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		127	8
Collectively evaluated for impairment		1,454	1,912
Total loans and leases evaluated for impairment		1,454	1,912
With allowance assigned to the loan and lease balances		1,454	1,912
With no allowance assigned to the loan and lease balances			0
ALLL on impaired loans		127	8
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		24,093	37,813
Attributable to loans individually evaluated for impairment		176	214
Total ALLL balance:		24,269	38,272	$ 37,751	$ 27,254
Collectively evaluated for impairment		558,362	409,612
Individually evaluated for impairment		4,640	4,088
Total loans and leases evaluated for impairment		563,054	413,751
With allowance assigned to the loan and lease balances		4,640	4,139
With no allowance assigned to the loan and lease balances		52	0
Total		4,692	4,139
Average balance of impaired loans		4,726	2,879
ALLL on impaired loans		176	459
Other Consumer | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment		0	245
Collectively evaluated for impairment		52	51
Total loans and leases evaluated for impairment		52	51
With allowance assigned to the loan and lease balances		0	51
With no allowance assigned to the loan and lease balances		52	0
ALLL on impaired loans		$ 0	$ 245
[1]	Amounts represent loans for which Huntington has elected the fair value option.

LOANS AND LEASES AND ALLOWANC69

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	$ 324,113	$ 149,316
Impaired loans and leases with an allowance recorded, ending balance	989,956	1,063,224
Impaired loans and leases with an allowance recorded, related allowance	65,165	78,342
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	255,801	37,845
Impaired loans and leases with no related allowance, unpaid principle	279,551	40,394
Impaired loans and leases with no related allowance, average balance	114,389	13,276
Impaired loans and leases with no related allowance, interest income recognized	2,584	580
Impaired loans and leases with an allowance recorded, ending balance	246,249	202,376
Impaired loans and leases with an allowance recorded, unpaid principle	274,203	251,854
Impaired loans and leases with an allowance recorded, related allowance	21,916	14,895
Impaired loans and leases with an allowance recorded, average balance	267,662	161,040
Impaired loans and leases with an allowance recorded, interest income recognized	15,110	11,216
Considered impaired due to TDR status	91,000	63,000
C&I | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle	0	0
Impaired loans and leases with no related allowance, average balance	0	0
Impaired loans and leases with no related allowance, interest income recognized	0	0
Impaired loans and leases with an allowance recorded, ending balance	21,017	23,228
Impaired loans and leases with an allowance recorded, unpaid principle	30,676	35,307
Impaired loans and leases with an allowance recorded, related allowance	2,602	3,846
Impaired loans and leases with an allowance recorded, average balance	21,046	32,253
Impaired loans and leases with an allowance recorded, interest income recognized	7,190	6,973
C&I | Owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	57,832	13,536
Impaired loans and leases with no related allowance, unpaid principle	65,812	13,536
Impaired loans and leases with no related allowance, average balance	30,672	5,740
Impaired loans and leases with no related allowance, interest income recognized	520	205
Impaired loans and leases with an allowance recorded, ending balance	54,092	44,869
Impaired loans and leases with an allowance recorded, unpaid principle	62,527	53,639
Impaired loans and leases with an allowance recorded, related allowance	4,171	4,220
Impaired loans and leases with an allowance recorded, average balance	54,785	40,192
Impaired loans and leases with an allowance recorded, interest income recognized	1,985	1,557
C&I | Other commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	197,969	24,309
Impaired loans and leases with no related allowance, unpaid principle	213,739	26,858
Impaired loans and leases with no related allowance, average balance	83,717	7,536
Impaired loans and leases with no related allowance, interest income recognized	2,064	375
Impaired loans and leases with an allowance recorded, ending balance	171,140	134,279
Impaired loans and leases with an allowance recorded, unpaid principle	181,000	162,908
Impaired loans and leases with an allowance recorded, related allowance	15,143	6,829
Impaired loans and leases with an allowance recorded, average balance	191,831	88,595
Impaired loans and leases with an allowance recorded, interest income recognized	5,935	2,686
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	68,260	111,471
Impaired loans and leases with no related allowance, unpaid principle	125,814	196,597
Impaired loans and leases with no related allowance, average balance	88,173	127,864
Impaired loans and leases with no related allowance, interest income recognized	7,199	14,818
Impaired loans and leases with an allowance recorded, ending balance	90,475	144,162
Impaired loans and leases with an allowance recorded, unpaid principle	104,930	162,258
Impaired loans and leases with an allowance recorded, related allowance	8,114	18,887
Impaired loans and leases with an allowance recorded, average balance	114,019	383,726
Impaired loans and leases with an allowance recorded, interest income recognized	4,833	7,128
Considered impaired due to TDR status	35,000	27,000
CRE | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	13,758	38,371
Impaired loans and leases with no related allowance, unpaid principle	55,358	91,075
Impaired loans and leases with no related allowance, average balance	28,168	59,424
Impaired loans and leases with no related allowance, interest income recognized	4,707	11,519
Impaired loans and leases with an allowance recorded, ending balance	0	0
Impaired loans and leases with an allowance recorded, unpaid principle	0	0
Impaired loans and leases with an allowance recorded, related allowance	0	0
Impaired loans and leases with an allowance recorded, average balance	0	0
Impaired loans and leases with an allowance recorded, interest income recognized	0	0
CRE | Retail properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	42,009	61,915
Impaired loans and leases with no related allowance, unpaid principle	54,021	91,627
Impaired loans and leases with no related allowance, average balance	48,903	53,121
Impaired loans and leases with no related allowance, interest income recognized	2,031	2,454
Impaired loans and leases with an allowance recorded, ending balance	9,096	37,081
Impaired loans and leases with an allowance recorded, unpaid principle	11,121	38,397
Impaired loans and leases with an allowance recorded, related allowance	1,190	3,536
Impaired loans and leases with an allowance recorded, average balance	31,636	63,393
Impaired loans and leases with an allowance recorded, interest income recognized	1,204	1,983
CRE | Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle	0	0
Impaired loans and leases with no related allowance, average balance	0	0
Impaired loans and leases with no related allowance, interest income recognized	0	0
Impaired loans and leases with an allowance recorded, ending balance	34,349	17,277
Impaired loans and leases with an allowance recorded, unpaid principle	37,208	23,725
Impaired loans and leases with an allowance recorded, related allowance	1,593	2,339
Impaired loans and leases with an allowance recorded, average balance	17,043	16,897
Impaired loans and leases with an allowance recorded, interest income recognized	740	659
CRE | Office
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	9,030	1,130
Impaired loans and leases with no related allowance, unpaid principle	12,919	3,574
Impaired loans and leases with no related allowance, average balance	7,767	3,709
Impaired loans and leases with no related allowance, interest income recognized	309	311
Impaired loans and leases with an allowance recorded, ending balance	14,365	52,953
Impaired loans and leases with an allowance recorded, unpaid principle	17,350	56,268
Impaired loans and leases with an allowance recorded, related allowance	1,177	8,399
Impaired loans and leases with an allowance recorded, average balance	31,148	52,831
Impaired loans and leases with an allowance recorded, interest income recognized	1,301	2,381
CRE | Industrial and warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	1,720	3,447
Impaired loans and leases with no related allowance, unpaid principle	1,741	3,506
Impaired loans and leases with no related allowance, average balance	777	5,012
Impaired loans and leases with no related allowance, interest income recognized	47	248
Impaired loans and leases with an allowance recorded, ending balance	9,721	8,888
Impaired loans and leases with an allowance recorded, unpaid principle	10,550	10,396
Impaired loans and leases with an allowance recorded, related allowance	1,540	720
Impaired loans and leases with an allowance recorded, average balance	7,311	9,092
Impaired loans and leases with an allowance recorded, interest income recognized	301	274
CRE | Other commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	1,743	6,608
Impaired loans and leases with no related allowance, unpaid principle	1,775	6,815
Impaired loans and leases with no related allowance, average balance	2,558	6,598
Impaired loans and leases with no related allowance, interest income recognized	105	286
Impaired loans and leases with an allowance recorded, ending balance	22,944	27,963
Impaired loans and leases with an allowance recorded, unpaid principle	28,701	33,472
Impaired loans and leases with an allowance recorded, related allowance	2,614	3,893
Impaired loans and leases with an allowance recorded, average balance	26,881	241,513
Impaired loans and leases with an allowance recorded, interest income recognized	1,287	1,831
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	52	0
Impaired loans and leases with no related allowance, unpaid principle	101	0
Impaired loans and leases with no related allowance, average balance	51	0
Impaired loans and leases with no related allowance, interest income recognized	17	0
Impaired loans and leases with an allowance recorded, ending balance	4,640	4,139
Impaired loans and leases with an allowance recorded, unpaid principle	4,649	4,332
Impaired loans and leases with an allowance recorded, related allowance	176	459
Impaired loans and leases with an allowance recorded, average balance	4,675	2,879
Impaired loans and leases with an allowance recorded, interest income recognized	254	217
Other Consumer | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	52	0
Impaired loans and leases with no related allowance, unpaid principle	101	0
Impaired loans and leases with no related allowance, average balance	51	0
Impaired loans and leases with no related allowance, interest income recognized	17	0
Impaired loans and leases with an allowance recorded, ending balance	0	51
Impaired loans and leases with an allowance recorded, unpaid principle	0	123
Impaired loans and leases with an allowance recorded, related allowance	0	245
Impaired loans and leases with an allowance recorded, average balance	0	83
Impaired loans and leases with an allowance recorded, interest income recognized	0	15
Other Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle	0	0
Impaired loans and leases with no related allowance, average balance	0	0
Impaired loans and leases with no related allowance, interest income recognized	0	0
Impaired loans and leases with an allowance recorded, ending balance	4,640	4,088
Impaired loans and leases with an allowance recorded, unpaid principle	4,649	4,209
Impaired loans and leases with an allowance recorded, related allowance	176	214
Impaired loans and leases with an allowance recorded, average balance	4,675	2,796
Impaired loans and leases with an allowance recorded, interest income recognized	254	202
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	31,304	30,612
Impaired loans and leases with an allowance recorded, unpaid principle	31,878	32,483
Impaired loans and leases with an allowance recorded, related allowance	1,779	1,531
Impaired loans and leases with an allowance recorded, average balance	30,163	34,637
Impaired loans and leases with an allowance recorded, interest income recognized	2,224	2,637
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	248,839	310,446
Impaired loans and leases with an allowance recorded, unpaid principle	284,957	366,096
Impaired loans and leases with an allowance recorded, related allowance	16,242	26,027
Impaired loans and leases with an allowance recorded, average balance	292,014	258,881
Impaired loans and leases with an allowance recorded, interest income recognized	13,092	11,875
Home Equity | First-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance		0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	52,672	145,566
Impaired loans and leases with an allowance recorded, unpaid principle	57,224	157,978
Impaired loans and leases with an allowance recorded, related allowance	4,359	8,296
Impaired loans and leases with an allowance recorded, average balance	108,942	126,602
Impaired loans and leases with an allowance recorded, interest income recognized	4,186	5,496
Home Equity | Junior-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance		0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	196,167	164,880
Impaired loans and leases with an allowance recorded, unpaid principle	227,733	208,118
Impaired loans and leases with an allowance recorded, related allowance	11,883	17,731
Impaired loans and leases with an allowance recorded, average balance	183,072	132,279
Impaired loans and leases with an allowance recorded, interest income recognized	8,906	6,379
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	0	0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	368,449	371,489
Impaired loans and leases with an allowance recorded, unpaid principle	411,114	418,376
Impaired loans and leases with an allowance recorded, related allowance	16,938	16,543
Impaired loans and leases with an allowance recorded, average balance	373,573	384,026
Impaired loans and leases with an allowance recorded, interest income recognized	12,889	12,168
TDR government guarantee	29,000	24,000
Residential Mortgage | Purchase credit-impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance		0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	1,454	1,912
Impaired loans and leases with an allowance recorded, unpaid principle	2,189	3,096
Impaired loans and leases with an allowance recorded, related allowance	127	8
Impaired loans and leases with an allowance recorded, average balance	1,817	2,281
Impaired loans and leases with an allowance recorded, interest income recognized	498	574
Residential Mortgage | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance		0
Impaired loans and leases with no related allowance, unpaid principle		0
Impaired loans and leases with no related allowance, average balance		0
Impaired loans and leases with no related allowance, interest income recognized		0
Impaired loans and leases with an allowance recorded, ending balance	366,995	369,577
Impaired loans and leases with an allowance recorded, unpaid principle	408,925	415,280
Impaired loans and leases with an allowance recorded, related allowance	16,811	16,535
Impaired loans and leases with an allowance recorded, average balance	371,756	381,745
Impaired loans and leases with an allowance recorded, interest income recognized	$ 12,391	$ 11,594

LOANS AND LEASES AND ALLOWANC70

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	6,191	6,342
Post-modification Outstanding Ending Balance	$ 894,700	$ 667,315
Financial effects of modification	$ (14,533)	$ (11,553)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	304	370
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 32,444	$ 31,344
Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 4	$ 0
Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	41	40
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 423	$ 328
Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	21	53
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 172	$ 374
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
C&I | Owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	230	123
Post-modification Outstanding Ending Balance	$ 104,719	$ 36,680
Financial effects of modification	$ (2,114)	$ 320
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	8	7
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 1,550	$ 1,176
C&I | Owner occupied | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	4	19
Post-modification Outstanding Ending Balance	$ 372	$ 2,484
Financial effects of modification	$ (3)	$ 20
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 110	$ 0
C&I | Owner occupied | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	222	97
Post-modification Outstanding Ending Balance	$ 103,686	$ 32,145
Financial effects of modification	$ (2,089)	$ 336
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	7	6
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 1,440	$ 946
C&I | Owner occupied | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	4	7
Post-modification Outstanding Ending Balance	$ 661	$ 2,051
Financial effects of modification	$ (22)	$ (36)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 230
C&I | Other commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	564	331
Post-modification Outstanding Ending Balance	$ 457,722	$ 207,486
Financial effects of modification	$ (5,230)	$ (4,396)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	30	18
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 3,593	$ 1,622
C&I | Other commercial and industrial | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	9	25
Post-modification Outstanding Ending Balance	$ 7,871	$ 50,534
Financial effects of modification	$ (1,039)	$ (1,982)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 27	$ 30
C&I | Other commercial and industrial | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	543	285
Post-modification Outstanding Ending Balance	$ 420,670	$ 149,339
Financial effects of modification	$ (3,764)	$ (2,407)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	29	14
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 3,566	$ 1,555
C&I | Other commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	12	21
Post-modification Outstanding Ending Balance	$ 29,181	$ 7,613
Financial effects of modification	$ (427)	$ (7)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	3
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 37
CRE | Retail properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	25	38
Post-modification Outstanding Ending Balance	$ 18,180	$ 52,561
Financial effects of modification	$ (1,669)	$ 118
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	4	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 8,067	$ 483
CRE | Retail properties | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	2	5
Post-modification Outstanding Ending Balance	$ 1,803	$ 11,381
Financial effects of modification	$ (11)	$ 420
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 47	$ 0
CRE | Retail properties | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	23	24
Post-modification Outstanding Ending Balance	$ 16,377	$ 27,415
Financial effects of modification	$ (1,658)	$ (267)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	3	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 8,020	$ 483
CRE | Retail properties | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	9
Post-modification Outstanding Ending Balance	$ 0	$ 13,765
Financial effects of modification	$ 0	$ (35)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
CRE | Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	59	68
Post-modification Outstanding Ending Balance	$ 35,675	$ 18,291
Financial effects of modification	$ (1,849)	$ 179
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	11	5
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 1,494	$ 3,003
CRE | Multi family | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1	20
Post-modification Outstanding Ending Balance	$ 90	$ 3,484
Financial effects of modification	$ 0	$ (75)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
CRE | Multi family | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	50	40
Post-modification Outstanding Ending Balance	$ 35,369	$ 9,791
Financial effects of modification	$ (1,843)	$ 197
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	10	4
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 1,354	$ 2,827
CRE | Multi family | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	8	8
Post-modification Outstanding Ending Balance	$ 216	$ 5,016
Financial effects of modification	$ (6)	$ 57
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 140	$ 176
CRE | Office
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	32	29
Post-modification Outstanding Ending Balance	$ 73,534	$ 53,753
Financial effects of modification	$ 907	$ (3,578)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	3	3
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 2,984	$ 1,738
CRE | Office | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1	2
Post-modification Outstanding Ending Balance	$ 356	$ 120
Financial effects of modification	$ 7	$ (1)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
CRE | Office | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	30	22
Post-modification Outstanding Ending Balance	$ 73,148	$ 18,157
Financial effects of modification	$ 902	$ (424)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	3	3
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 2,984	$ 1,738
CRE | Office | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1	5
Post-modification Outstanding Ending Balance	$ 30	$ 35,476
Financial effects of modification	$ (2)	$ (3,153)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
CRE | Industrial and warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	13	20
Post-modification Outstanding Ending Balance	$ 6,383	$ 14,210
Financial effects of modification	$ 1,279	$ 164
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	2	2
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 822	$ 2,095
CRE | Industrial and warehouse | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	2
Post-modification Outstanding Ending Balance	$ 0	$ 4,046
Financial effects of modification	$ 0	$ 0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 1,339
CRE | Industrial and warehouse | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	13	17
Post-modification Outstanding Ending Balance	$ 6,383	$ 9,187
Financial effects of modification	$ 1,279	$ 164
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	2	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 822	$ 756
CRE | Industrial and warehouse | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	1
Post-modification Outstanding Ending Balance	$ 0	$ 977
Financial effects of modification	$ 0	$ 0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
CRE | Other commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	29	67
Post-modification Outstanding Ending Balance	$ 10,195	$ 83,386
Financial effects of modification	$ 49	$ (2,770)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	3
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 93	$ 927
CRE | Other commercial real estate | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	8
Post-modification Outstanding Ending Balance	$ 0	$ 5,224
Financial effects of modification	$ 0	$ 146
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 169
CRE | Other commercial real estate | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	27	55
Post-modification Outstanding Ending Balance	$ 9,961	$ 76,353
Financial effects of modification	$ 71	$ (2,789)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	1	2
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 93	$ 758
CRE | Other commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	2	4
Post-modification Outstanding Ending Balance	$ 234	$ 1,809
Financial effects of modification	$ (22)	$ (127)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	2,558	2,597
Post-modification Outstanding Ending Balance	$ 19,779	$ 17,816
Financial effects of modification	$ 961	$ 232
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	63	93
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 599	$ 702
Automobile | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	41	92
Post-modification Outstanding Ending Balance	$ 121	$ 758
Financial effects of modification	$ 5	$ 15
Automobile | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1,591	1,880
Post-modification Outstanding Ending Balance	$ 12,268	$ 12,120
Financial effects of modification	$ 533	$ 151
Automobile | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	926	625
Post-modification Outstanding Ending Balance	$ 7,390	$ 4,938
Financial effects of modification	$ 423	$ 66
Automobile | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	0
Post-modification Outstanding Ending Balance	$ 0	$ 0
Financial effects of modification	$ 0	$ 0
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	683	547
Post-modification Outstanding Ending Balance	$ 74,873	$ 66,880
Financial effects of modification	$ (680)	$ 1,291
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	84	130
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 7,858	$ 13,677
Residential Mortgage | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	15	27
Post-modification Outstanding Ending Balance	$ 1,565	$ 3,692
Financial effects of modification	$ (61)	$ 19
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	3	11
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 239	$ 1,516
Residential Mortgage | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	518	333
Post-modification Outstanding Ending Balance	$ 57,859	$ 44,027
Financial effects of modification	$ (455)	$ 552
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	73	82
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 6,776	$ 8,974
Residential Mortgage | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	139	182
Post-modification Outstanding Ending Balance	$ 14,183	$ 18,635
Financial effects of modification	$ (164)	$ 715
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	8	37
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 843	$ 3,187
Residential Mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	11	5
Post-modification Outstanding Ending Balance	$ 1,266	$ 526
Financial effects of modification	$ 0	$ 5
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Home Equity | First-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	358	587
Post-modification Outstanding Ending Balance	$ 30,020	$ 45,740
Financial effects of modification	$ (413)	$ 440
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	36	37
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 2,928	$ 3,449
Home Equity | First-lien home equity loan | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	37	193
Post-modification Outstanding Ending Balance	$ 3,665	$ 15,172
Financial effects of modification	$ 112	$ 764
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	4	5
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 387	$ 335
Home Equity | First-lien home equity loan | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	204	289
Post-modification Outstanding Ending Balance	$ 19,005	$ 23,272
Financial effects of modification	$ (953)	$ (1,051)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	4	16
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 258	$ 2,109
Home Equity | First-lien home equity loan | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	117	105
Post-modification Outstanding Ending Balance	$ 7,350	$ 7,296
Financial effects of modification	$ 428	$ 727
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	28	16
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 2,283	$ 1,005
Home Equity | First-lien home equity loan | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	0
Post-modification Outstanding Ending Balance	$ 0	$ 0
Financial effects of modification	$ 0	$ 0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Home Equity | Junior-lien home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1,618	1,855
Post-modification Outstanding Ending Balance	$ 63,257	$ 68,103
Financial effects of modification	$ (5,794)	$ (3,518)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	62	71
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 2,456	$ 2,472
Home Equity | Junior-lien home equity loan | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	18	187
Post-modification Outstanding Ending Balance	$ 734	$ 6,960
Financial effects of modification	$ 49	$ 296
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	3	1
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 411	$ 11
Home Equity | Junior-lien home equity loan | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1,387	1,467
Post-modification Outstanding Ending Balance	$ 60,018	$ 58,129
Financial effects of modification	$ (9,686)	$ (6,955)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	41	31
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 1,644	$ 1,841
Home Equity | Junior-lien home equity loan | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	213	201
Post-modification Outstanding Ending Balance	$ 2,505	$ 3,014
Financial effects of modification	$ 3,843	$ 3,141
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	18	39
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 401	$ 620
Home Equity | Junior-lien home equity loan | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	0
Post-modification Outstanding Ending Balance	$ 0	$ 0
Financial effects of modification	$ 0	$ 0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	22	80
Post-modification Outstanding Ending Balance	$ 363	$ 2,409
Financial effects of modification	$ 20	$ (35)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Other Consumer | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1	7
Post-modification Outstanding Ending Balance	$ 96	$ 123
Financial effects of modification	$ 3	$ 3
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Other Consumer | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	10	48
Post-modification Outstanding Ending Balance	$ 198	$ 1,803
Financial effects of modification	$ 8	$ 12
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Other Consumer | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	11	25
Post-modification Outstanding Ending Balance	$ 69	$ 483
Financial effects of modification	$ 9	$ (50)
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0
Other Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	0	0
Post-modification Outstanding Ending Balance	$ 0	$ 0
Financial effects of modification	$ 0	$ 0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Number of Contracts | contract	0	0
Troubled Debt Restructurings That Have Redefaulted Within One Year of Modification, Ending Balance	$ 0	$ 0

AVAILABLE-FOR-SALE AND OTHER 71

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Narrative (Details) $ in Millions	Dec. 31, 2015USD ($)pool	Dec. 31, 2014USD ($)
Schedule of Available-for-sale Securities [Line Items]
Pledged investment securities to secure public and trust deposits, trading account liabilities, US Treasury demand notes and security repurchase agreements	$ 2,600
Number of pools of trust preferred securities | pool	8
Number of pools of trust preferred securities, non-exclusive list | pool	7
Nonmarketable equity securities
Schedule of Available-for-sale Securities [Line Items]
Stock issued by Federal Reserve Banks included in other securities	$ 176	$ 175
Nonmarketable equity securities | Federal Home Loan Bank of Cincinnati
Schedule of Available-for-sale Securities [Line Items]
Federal home loan bank stock	$ 157	$ 157

AVAILABLE-FOR-SALE AND OTHER 72

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Amortized Cost:
Amortized cost, under 1 year	$ 333,891	$ 355,486
Amortized cost, 1-5 years	1,184,454	1,047,492
Amortized cost, 6-10 years	1,648,808	1,517,974
Amortized cost, over 10 years	5,259,855	6,090,688
Amortized cost	8,770,923	9,359,886
Fair Value:
Fair value, under 1 year	332,980	355,465
Amortized cost, 1-5 years	1,189,455	1,066,041
Fair value, 6-10 years	1,645,759	1,527,195
Amortized cost, over 10 years	5,263,063	6,086,980
Fair Value	8,775,441	9,384,670
Nonmarketable equity securities
Amortized Cost:
Amortized cost	332,786	331,559
Fair Value:
Fair Value	332,786	331,559
Mutual funds
Amortized Cost:
Amortized cost	10,604	16,151
Fair Value:
Fair Value	10,604	16,161
Marketable equity securities
Amortized Cost:
Amortized cost	525	536
Fair Value:
Fair Value	$ 794	$ 1,269

AVAILABLE-FOR-SALE AND OTHER 73

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains/(Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 8,770,923	$ 9,359,886
Gross Gains	88,169	117,554
Gross Losses	(83,651)	(92,770)
Fair Value	8,775,441	9,384,670
U.S. Treasury securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	5,457	5,435
Gross Gains	15	17
Gross Losses	0	0
Fair Value	5,472	5,452
Federal agencies: Mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,505,318	5,273,899
Gross Gains	30,078	63,906
Gross Losses	(13,708)	(15,104)
Fair Value	4,521,688	5,322,701
Federal agencies: Other agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	115,076	349,715
Gross Gains	888	2,871
Gross Losses	(51)	(1,043)
Fair Value	115,913	351,543
Total U.S. Government backed agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,625,851	5,629,049
Gross Gains	30,981	66,794
Gross Losses	(13,759)	(16,147)
Fair Value	4,643,073	5,679,696
Municipal securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,431,943	1,841,311
Gross Gains	51,558	37,398
Gross Losses	(27,105)	(10,140)
Fair Value	2,456,396	1,868,569
Private-label CMO
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost		43,730
Gross Gains		1,116
Gross Losses		(2,920)
Fair Value		41,926
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	901,059	1,014,999
Gross Gains	535	2,061
Gross Losses	(40,181)	(61,062)
Fair Value	861,413	955,998
Corporate debt
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	464,207	479,151
Gross Gains	4,824	9,442
Gross Losses	(2,554)	(2,417)
Fair Value	466,477	486,176
Other securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	347,863	351,646
Gross Gains	271	743
Gross Losses	(52)	(84)
Fair Value	$ 348,082	$ 352,305

AVAILABLE-FOR-SALE AND OTHER 74

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 2,987,605	$ 1,437,360
Over 12 Months, Fair Value	563,431	1,063,142
Total, Fair Value	3,551,036	2,500,502
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(34,876)	(12,949)
Over 12 Months, Unrealized Losses	(48,775)	(79,821)
Total, Unrealized Losses	(83,651)	(92,770)
Federal agencies: Mortgage-backed
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	1,658,516	501,858
Over 12 Months, Fair Value	84,147	527,280
Total, Fair Value	1,742,663	1,029,138
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(11,341)	(1,909)
Over 12 Months, Unrealized Losses	(2,367)	(13,195)
Total, Unrealized Losses	(13,708)	(15,104)
Federal agencies: Other agencies
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	37,982	159,708
Over 12 Months, Fair Value	0	1,281
Total, Fair Value	37,982	160,989
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(51)	(1,020)
Over 12 Months, Unrealized Losses	0	(23)
Total, Unrealized Losses	(51)	(1,043)
Total U.S. Government backed agencies
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	1,696,498	661,566
Over 12 Months, Fair Value	84,147	528,561
Total, Fair Value	1,780,645	1,190,127
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(11,392)	(2,929)
Over 12 Months, Unrealized Losses	(2,367)	(13,218)
Total, Unrealized Losses	(13,759)	(16,147)
Municipal securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	570,916	568,619
Over 12 Months, Fair Value	248,204	96,426
Total, Fair Value	819,120	665,045
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(15,992)	(9,127)
Over 12 Months, Unrealized Losses	(11,113)	(1,013)
Total, Unrealized Losses	(27,105)	(10,140)
Private-label CMO
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value		0
Over 12 Months, Fair Value		22,650
Total, Fair Value		22,650
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses		0
Over 12 Months, Unrealized Losses		(2,920)
Total, Unrealized Losses		(2,920)
Asset-backed securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	552,275	157,613
Over 12 Months, Fair Value	207,639	325,691
Total, Fair Value	759,914	483,304
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(5,791)	(641)
Over 12 Months, Unrealized Losses	(34,390)	(60,421)
Total, Unrealized Losses	(40,181)	(61,062)
Corporate debt
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	167,144	49,562
Over 12 Months, Fair Value	21,965	88,398
Total, Fair Value	189,109	137,960
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(1,673)	(252)
Over 12 Months, Unrealized Losses	(881)	(2,165)
Total, Unrealized Losses	(2,554)	(2,417)
Other securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, Fair Value	772	0
Over 12 Months, Fair Value	1,476	1,416
Total, Fair Value	2,248	1,416
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Losses	(28)	0
Over 12 Months, Unrealized Losses	(24)	(84)
Total, Unrealized Losses	$ (52)	$ (84)

AVAILABLE-FOR-SALE AND OTHER 75

AVAILABLE-FOR-SALE AND OTHER SECURITIES AVAILABLE-FOR-SALE AND OTHER SECURITIES - Realized Securities Gains (Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]
Gross gains on sales of securities	$ 6,730	$ 17,729	$ 2,932
Gross (losses) on sales of securities	(3,546)	(175)	(712)
Net gain (loss) on sales of securities	$ 3,184	$ 17,554	$ 2,220

AVAILABLE-FOR-SALE AND OTHER 76

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Collateralized Debt Obligation Securities (Details) $ in Thousands	Dec. 31, 2015USD ($)issuer	Dec. 31, 2014USD ($)
Schedule of Available-for-sale Securities [Line Items]
Unrealized Loss	$ (83,651)	$ (92,770)
Collateralized Debt Obligations
Schedule of Available-for-sale Securities [Line Items]
Par Value	179,574	193,597
Amortized Cost	131,991	139,194
Fair Value	100,338	82,738
Unrealized Loss	(31,654)	$ (56,456)
Collateralized Debt Obligations | Alesco II
Schedule of Available-for-sale Securities [Line Items]
Par Value	41,646
Amortized Cost	28,022
Fair Value	25,296
Unrealized Loss	$ (2,727)
Number of Issuers Currently Performing | issuer	30
Number of Issuers Currently Remaining | issuer	32
Actual Deferrals and Defaults as a % of Original Collateral	5.00%
Expected Defaults as a % of Remaining Performing Collateral	7.00%
Available-for-sale Securities, Excess Subordination	4.00%
Collateralized Debt Obligations | ICONS
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 19,214
Amortized Cost	19,214
Fair Value	15,567
Unrealized Loss	$ (3,647)
Number of Issuers Currently Performing | issuer	19
Number of Issuers Currently Remaining | issuer	21
Actual Deferrals and Defaults as a % of Original Collateral	7.00%
Expected Defaults as a % of Remaining Performing Collateral	14.00%
Available-for-sale Securities, Excess Subordination	52.00%
Collateralized Debt Obligations | MM Comm III
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 4,684
Amortized Cost	4,475
Fair Value	3,682
Unrealized Loss	$ (793)
Number of Issuers Currently Performing | issuer	5
Number of Issuers Currently Remaining | issuer	8
Actual Deferrals and Defaults as a % of Original Collateral	5.00%
Expected Defaults as a % of Remaining Performing Collateral	6.00%
Available-for-sale Securities, Excess Subordination	36.00%
Collateralized Debt Obligations | Pre TSL IX
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 5,000
Amortized Cost	3,955
Fair Value	3,009
Unrealized Loss	$ (946)
Number of Issuers Currently Performing | issuer	27
Number of Issuers Currently Remaining | issuer	38
Actual Deferrals and Defaults as a % of Original Collateral	18.00%
Expected Defaults as a % of Remaining Performing Collateral	10.00%
Available-for-sale Securities, Excess Subordination	7.00%
Collateralized Debt Obligations | Pre TSL XI
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 25,000
Amortized Cost	20,155
Fair Value	15,418
Unrealized Loss	$ (4,737)
Number of Issuers Currently Performing | issuer	42
Number of Issuers Currently Remaining | issuer	55
Actual Deferrals and Defaults as a % of Original Collateral	16.00%
Expected Defaults as a % of Remaining Performing Collateral	9.00%
Available-for-sale Securities, Excess Subordination	10.00%
Collateralized Debt Obligations | Pre TSL XIII
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 27,530
Amortized Cost	19,735
Fair Value	16,769
Unrealized Loss	$ (2,966)
Number of Issuers Currently Performing | issuer	47
Number of Issuers Currently Remaining | issuer	56
Actual Deferrals and Defaults as a % of Original Collateral	9.00%
Expected Defaults as a % of Remaining Performing Collateral	10.00%
Available-for-sale Securities, Excess Subordination	24.00%
Collateralized Debt Obligations | Reg Diversified
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 25,500
Amortized Cost	5,435
Fair Value	1,994
Unrealized Loss	$ (3,441)
Number of Issuers Currently Performing | issuer	23
Number of Issuers Currently Remaining | issuer	39
Actual Deferrals and Defaults as a % of Original Collateral	33.00%
Expected Defaults as a % of Remaining Performing Collateral	7.00%
Available-for-sale Securities, Excess Subordination	0.00%
Collateralized Debt Obligations | Soloso
Schedule of Available-for-sale Securities [Line Items]
Par Value	$ 31,000
Amortized Cost	31,000
Fair Value	18,603
Unrealized Loss	$ (12,397)
Number of Issuers Currently Performing | issuer	30
Number of Issuers Currently Remaining | issuer	40
Actual Deferrals and Defaults as a % of Original Collateral	19.00%
Expected Defaults as a % of Remaining Performing Collateral	9.00%
Available-for-sale Securities, Excess Subordination	40.00%

AVAILABLE-FOR-SALE AND OTHER 77

AVAILABLE-FOR-SALE AND OTHER SECURITIES - Security Impairment (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Impairment losses recognized in earnings on available-for-sale securities	$ 0	$ (2,440)	$ 0	$ (1,802)
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance, beginning of year	$ 30,869	30,869	30,869
Reductions from sales		(14,941)	0
Credit losses not previously recognized		0	0
Additional credit losses		2,440	0
Balance, end of year		18,368	30,869	30,869
Collateralized Debt Obligations
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Impairment losses recognized in earnings on available-for-sale securities		(2,440)	0	(1,466)
Private-label CMO
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Impairment losses recognized in earnings on available-for-sale securities		0	0	(336)
Total debt securities
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Impairment losses recognized in earnings on available-for-sale securities		(2,440)	0	(1,802)
Equity securities
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Impairment losses recognized in earnings on available-for-sale securities		$ 0	$ 0	$ 0

HELD-TO-MATURITY SECURITIES - N

HELD-TO-MATURITY SECURITIES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Held-to-maturity Securities [Abstract]
Available-for-sale securities transferred to held-to-maturity securities	$ 3,000,000,000
Unrealized net losses recognized in OCI at time of transfer of available-for-sale securities transferred to held-to-maturity securities	6,000,000
Other than temporary impairment losses, held-to-maturity	$ 0	$ 0

HELD-TO-MATURITY SECURITIES - C

HELD-TO-MATURITY SECURITIES - Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held-to-maturity Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]
Amortized Cost	$ 6,159,590	$ 3,379,905
Held-to-maturity Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Held-to-maturity Securities, Fair Value	6,135,458	3,382,715
Federal agencies: Mortgage-backed
Held-to-maturity Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]
Held-to-maturity Securities, Under 1 year	0	0
Held-to-maturity Securities, 1-5 years	0	0
Held-to-maturity Securities, 6-10 years	25,909	24,901
Held-to-maturity Securities, Over 10 years	5,506,592	3,136,460
Amortized Cost	5,532,501	3,161,361
Held-to-maturity Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Fair Value, Under 1 year	0	0
Fair Value, 1-5 years	0	0
Fair Value, 6-10 years	25,227	24,263
Fair Value, Over 10 Years	5,484,407	3,140,194
Held-to-maturity Securities, Fair Value	5,509,634	3,164,457
Federal agencies: Other agencies
Held-to-maturity Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]
Held-to-maturity Securities, Under 1 year	0	0
Held-to-maturity Securities, 1-5 years	0	0
Held-to-maturity Securities, 6-10 years	283,960	54,010
Held-to-maturity Securities, Over 10 years	336,092	156,553
Amortized Cost	620,052	210,563
Held-to-maturity Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Fair Value, Under 1 year	0	0
Fair Value, 1-5 years	0	0
Fair Value, 6-10 years	284,907	54,843
Fair Value, Over 10 Years	334,004	155,821
Held-to-maturity Securities, Fair Value	618,911	210,664
Total U.S. Government backed agencies
Held-to-maturity Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]
Amortized Cost	6,152,553	3,371,924
Held-to-maturity Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Held-to-maturity Securities, Fair Value	6,128,545	3,375,121
Municipal securities
Held-to-maturity Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]
Held-to-maturity Securities, Under 1 year	0	0
Held-to-maturity Securities, 1-5 years	0	0
Held-to-maturity Securities, 6-10 years	0	0
Held-to-maturity Securities, Over 10 years	7,037	7,981
Amortized Cost	7,037	7,981
Held-to-maturity Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Fair Value, Under 1 year	0	0
Fair Value, 1-5 years	0	0
Fair Value, 6-10 years	0	0
Fair Value, Over 10 Years	6,913	7,594
Held-to-maturity Securities, Fair Value	$ 6,913	$ 7,594

HELD-TO-MATURITY SECURITIES - S

HELD-TO-MATURITY SECURITIES - Schedule of Amortized Cost, Gross Unrealized Gains and Losses, & Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held-to-maturity Securities [Abstract]
Amortized Cost	$ 6,159,590	$ 3,379,905
Unrealized Gross Gains	16,282	26,083
Unrealized Gross Losses	(40,414)	(23,273)
Fair Value	6,135,458	3,382,715
Federal agencies: Mortgage-backed
Held-to-maturity Securities [Abstract]
Amortized Cost	5,532,501	3,161,361
Unrealized Gross Gains	14,637	24,832
Unrealized Gross Losses	(37,504)	(21,736)
Fair Value	5,509,634	3,164,457
Federal agencies: Other agencies
Held-to-maturity Securities [Abstract]
Amortized Cost	620,052	210,563
Unrealized Gross Gains	1,645	1,251
Unrealized Gross Losses	(2,786)	(1,150)
Fair Value	618,911	210,664
Total U.S. Government backed agencies
Held-to-maturity Securities [Abstract]
Amortized Cost	6,152,553	3,371,924
Unrealized Gross Gains	16,282	26,083
Unrealized Gross Losses	(40,290)	(22,886)
Fair Value	6,128,545	3,375,121
Municipal securities
Held-to-maturity Securities [Abstract]
Amortized Cost	7,037	7,981
Unrealized Gross Gains	0	0
Unrealized Gross Losses	(124)	(387)
Fair Value	$ 6,913	$ 7,594

HELD-TO-MATURITY SECURITIES -81

HELD-TO-MATURITY SECURITIES - Schedule of Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value:
Less Than Twelve Months, Fair Value	$ 4,118,300	$ 752,484
Over Twelve Months, Fair Value	533,432	693,757
Fair Value	4,651,732	1,446,241
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss:
Less than 12 Months, Unrealized Losses	(28,107)	(6,135)
Over 12 Months, Unrealized Losses	(12,307)	(17,138)
Unrealized Losses	(40,414)	(23,273)
Federal agencies: Mortgage-backed
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value:
Less Than Twelve Months, Fair Value	3,692,890	707,934
Over Twelve Months, Fair Value	519,872	622,026
Fair Value	4,212,762	1,329,960
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss:
Less than 12 Months, Unrealized Losses	(25,418)	(5,550)
Over 12 Months, Unrealized Losses	(12,086)	(16,186)
Unrealized Losses	(37,504)	(21,736)
Federal agencies: Other agencies
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value:
Less Than Twelve Months, Fair Value	425,410	36,956
Over Twelve Months, Fair Value	6,647	71,731
Fair Value	432,057	108,687
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss:
Less than 12 Months, Unrealized Losses	(2,689)	(198)
Over 12 Months, Unrealized Losses	(97)	(952)
Unrealized Losses	(2,786)	(1,150)
Total U.S. Government backed agencies
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value:
Less Than Twelve Months, Fair Value	4,118,300	744,890
Over Twelve Months, Fair Value	526,519	693,757
Fair Value	4,644,819	1,438,647
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss:
Less than 12 Months, Unrealized Losses	(28,107)	(5,748)
Over 12 Months, Unrealized Losses	(12,183)	(17,138)
Unrealized Losses	(40,290)	(22,886)
Municipal securities
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value:
Less Than Twelve Months, Fair Value	0	7,594
Over Twelve Months, Fair Value	6,913	0
Fair Value	6,913	7,594
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss:
Less than 12 Months, Unrealized Losses	0	(387)
Over 12 Months, Unrealized Losses	(124)	0
Unrealized Losses	$ (124)	$ (387)

LOAN SALES AND SECURITIZATION82

LOAN SALES AND SECURITIZATIONS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended				12 Months Ended
	Jun. 30, 2015	Dec. 31, 2012	Mar. 31, 2012	Sep. 30, 2011	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Total of automobile loans transferred In securitization transaction	$ 800,000	$ 1,000,000	$ 1,300,000	$ 1,000,000
Residential Mortgage
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income					$ 47,000	$ 44,000	$ 44,000
Amortization and impairment Included In Mortgage Banking Income					27,000	24,000	29,000
Unpaid principal balance of third party serviced loans					16,200,000	15,600,000	15,200,000
Pretax gains resulting from above loan sales					83,148	57,590	102,935
Automobile Loan
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income					5,000	8,000	10,000
Unpaid principal balance of third party serviced loans					900,000	800,000	1,600,000
Pretax gains resulting from above loan sales	5,000
Automobile Loan | 2015-1 Automobile Trust
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Total of automobile loans transferred In securitization transaction	750,000
Proceeds from new transfers	780,000
Servicing asset additions resulting from securitizations	$ 11,000
Commercial
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income					8,000	7,000	6,000
Unpaid principal balance of third party serviced loans					$ 1,000,000	$ 900,000	$ 900,000

LOAN SALES AND SECURITIZATION83

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio (Details) - Residential Mortgage - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 3,322,723	$ 2,330,060	$ 3,221,239
Pretax gains resulting from above loan sales	$ 83,148	$ 57,590	$ 102,935

LOAN SALES AND SECURITIZATION84

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential Mortgage - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	$ 22,786	$ 34,236
Time decay	(1,295)	(2,232)
Payoffs	(3,031)	(5,814)
Changes in valuation inputs or assumptions	(875)	(3,404)
Fair value, end of year	$ 17,585	$ 22,786
Sensitivity Analysis Fair Value Carrying Method
Servicing Asset at Fair Value, Amount [Roll Forward]
Weighted-average contractual life (years)	4 years 7 months	4 years 7 months

LOAN SALES AND SECURITIZATION85

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Amortization Method (Details) - Residential Mortgage - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Carrying value, beginning of year	$ 132,812	$ 128,064
New servicing assets created	35,407	24,629
Servicing assets acquired	0	3,505
Impairment recovery (charge)	(2,732)	(7,330)
Amortization and other	(22,354)	(16,056)
Carrying value, end of year	143,133	132,812
Fair value, end of year	$ 143,435	$ 133,049
Sensitivity Analysis Amortization Carrying Method
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Weighted-average contractual life (years)	5 years 11 months	5 years 11 months

LOAN SALES AND SECURITIZATION86

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method Assumptions (Details) - Residential Mortgage - Sensitivity Analysis Fair Value Carrying Method - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	14.70%	15.60%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (864)	$ (1,176)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (1,653)	$ (2,248)
Spread over forward interest rate swap rates	5.00%	5.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (559)	$ (699)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (1,083)	$ (1,355)

LOAN SALES AND SECURITIZATION87

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Amortization Method Assumptions (Details) - Sensitivity Analysis Amortization Carrying Method - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Automobile Loan
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	18.36%	14.62%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (500)	$ (305)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (895)	$ (496)
Spread over forward interest rate swap rates	5.00%	5.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (10)	$ (2)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (19)	$ (4)
Residential Mortgage
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	11.10%	11.40%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (5,543)	$ (5,289)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (10,648)	$ (10,164)
Spread over forward interest rate swap rates	9.00%	9.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (4,662)	$ (4,343)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (9,017)	$ (8,403)

LOAN SALES AND SECURITIZATION88

LOAN SALES AND SECURITIZATIONS LOAN SALES AND SECURITIZATIONS - Automobile Loans (Details) - Automobile Loan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Automobile loans securitized with servicing retained	$ 750,000	$ 0	$ 0
Pretax gains resulting from above loan sales	$ 5,333	$ 0	$ 0

LOAN SALES AND SECURITIZATION89

LOAN SALES AND SECURITIZATIONS - Automobile Loans, MSRs Amortization Method (Details) - Automobile Loan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Carrying value, beginning of year	$ 6,898	$ 17,672
New servicing assets created	11,180	0
Amortization and other	(9,307)	(10,774)
Carrying value, end of year	8,771	6,898
Fair value, end of year	$ 9,127	$ 6,948
Sensitivity Analysis Amortization Carrying Method
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Weighted-average contractual life (years)	3 years 2 months	2 years 7 months

LOAN SALES AND SECURITIZATION90

LOAN SALES AND SECURITIZATIONS - Automobile Loans, MSRs Amortization Method Assumptions (Details) - Automobile Loan - Sensitivity Analysis Amortization Carrying Method - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	18.36%	14.62%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (500)	$ (305)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (895)	$ (496)
Spread over forward interest rate swap rates	5.00%	5.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (10)	$ (2)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (19)	$ (4)

LOAN SALES AND SECURITIZATION91

LOAN SALES AND SECURITIZATIONS - Small Business Association Portfolio (Details) - Commercial - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 232,848	$ 214,760	$ 178,874
Pretax gains resulting from above loan sales	$ 18,626	$ 24,579	$ 19,556

LOAN SALES AND SECURITIZATION92

LOAN SALES AND SECURITIZATIONS - Small Business Association, MSRs Amortization Method (Details) - Commercial - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Carrying value, beginning of year	$ 18,536	$ 16,865
New servicing assets created	8,012	7,269
Amortization and other	(6,801)	(5,598)
Carrying value, end of year	19,747	18,536
Fair value, end of year	$ 22,649	$ 20,495
Sensitivity Analysis Amortization Carrying Method
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Weighted-average contractual life (years)	3 years 3 months	3 years 6 months

LOAN SALES AND SECURITIZATION93

LOAN SALES AND SECURITIZATIONS - Small Business Association, MSRs Amortization Method Assumptions (Details) - Commercial - Sensitivity Analysis Amortization Carrying Method - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	7.60%	5.60%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (313)	$ (211)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (622)	$ (419)
Spread over forward interest rate swap rates	15.00%	15.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (610)	$ (563)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (1,194)	$ (1,102)

GOODWILL AND OTHER INTANGIBLE94

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill by business segment
Beginning Balance	$ 522,541	$ 444,268
Goodwill acquired during the period	155,828	81,273
Adjustments	(1,500)	0
Impairment	0	(3,000)	$ 0
Ending Balance	676,869	522,541	444,268
Operating Segments | Retail & Business Banking
Goodwill by business segment
Beginning Balance	368,097	286,824
Goodwill acquired during the period	0	81,273
Adjustments	0	0
Impairment	0	0
Ending Balance	368,097	368,097	286,824
Operating Segments | Commercial Banking
Goodwill by business segment
Beginning Balance	59,594	22,108
Goodwill acquired during the period	155,828	0
Adjustments	0	37,486
Impairment	0	0
Ending Balance	215,422	59,594	22,108
Operating Segments | AFCRE
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	0
Impairment	0	0
Ending Balance	0	0	0
Operating Segments | RBHPCG
Goodwill by business segment
Beginning Balance	90,012	93,012
Goodwill acquired during the period	0	0
Adjustments	(1,500)	(3,000)
Impairment	0	0
Ending Balance	88,512	90,012	93,012
Operating Segments | Home Lending
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	3,000
Impairment	0	(3,000)
Ending Balance	0	0	0
Treasury / Other
Goodwill by business segment
Beginning Balance	4,838	42,324
Goodwill acquired during the period	0	0
Adjustments	0	(37,486)
Impairment	0	0
Ending Balance	$ 4,838	$ 4,838	$ 42,324

GOODWILL AND OTHER INTANGIBLE95

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Other Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	$ 541,316	$ 533,142
Total other intangible assets, accumulated amortization	(486,338)	(458,471)
Total other intangible assets, net of carrying value	54,978	74,671
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	400,058	400,058
Total other intangible assets, accumulated amortization	(384,606)	(366,907)
Total other intangible assets, net of carrying value	15,452	33,151
Customer relationship
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	116,094	107,920
Total other intangible assets, accumulated amortization	(76,656)	(66,534)
Total other intangible assets, net of carrying value	39,438	41,386
Other
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	25,164	25,164
Total other intangible assets, accumulated amortization	(25,076)	(25,030)
Total other intangible assets, net of carrying value	$ 88	$ 134

GOODWILL AND OTHER INTANGIBLE96

GOODWILL AND OTHER INTANGIBLE ASSETS - Future Amortization of Intangible Assets (Details) $ in Thousands	Dec. 31, 2015USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2,016	$ 14,290
2,017	12,908
2,018	11,135
2,019	9,825
2,020	$ 3,076

GOODWILL AND OTHER INTANGIBLE97

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)segments	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Mar. 31, 2015USD ($)
Business Acquisition [Line Items]
Number of reporting segments | segments	5
Goodwill	$ 676,869	$ 522,541	$ 444,268
Other intangible assets	54,978	74,671
Goodwill acquired during the period	155,828	81,273
Impairment of goodwill	0	3,000	0
Macquarie Equipment Finance, Inc
Business Acquisition [Line Items]
Goodwill				$ 156,000
Other intangible assets				$ 8,000
Bank of America Branches
Business Acquisition [Line Items]
Goodwill acquired during the period		17,000
Camco Financial
Business Acquisition [Line Items]
Goodwill acquired during the period		64,000
Operating Segments | Home Lending
Business Acquisition [Line Items]
Goodwill	0	0	$ 0
Goodwill acquired during the period	0	0
Impairment of goodwill	$ 0	$ 3,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 1,401,368	$ 1,367,513
Less accumulated depreciation and amortization	(780,828)	(751,106)
Net premises and equipment	620,540	616,407
Property Plant and Equipment Income Statement Disclosures [Abstract]
Total depreciation and amortization of premises and equipment	85,805	82,296	$ 78,601
Rental income credited to occupancy expense	12,563	11,556	$ 12,542
Land and land improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	140,414	137,702
Buildings
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	366,963	367,225
Leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	246,222	235,279
Equipment
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 647,769	$ 627,307

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Short-term Debt [Line Items]
Total short-term borrowings	$ 615,279	$ 2,397,101
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	601,272	1,058,096
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Total short-term borrowings	0	1,325,000
Other borrowings
Short-term Debt [Line Items]
Total short-term borrowings	$ 14,007	$ 14,005

LONG-TERM DEBT - Schedule of Lo

LONG-TERM DEBT - Schedule of Long-Term Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Long-term borrowings	$ 7,067,614	$ 4,335,962
Subordinated Notes
Debt Instrument [Line Items]
Long-term borrowings	5,561,529	2,466,665
Subordinated Notes | 6.67% subordinated notes due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 136,237	140,115
Stated rate	6.67%
Subordinated Notes | 5.59% subordinated notes due 2016
Debt Instrument [Line Items]
Long-term borrowings	$ 103,357	105,731
Stated rate	5.59%
Subordinated Notes | 5.45% subordinated notes due 2019
Debt Instrument [Line Items]
Long-term borrowings	$ 83,833	85,783
Stated rate	5.45%
Senior Notes | 2.24% Huntington National Bank senior note due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 845,016	0
Stated rate	2.24%
Senior Notes | 2.10% Huntington National Bank senior note due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 750,035	0
Stated rate	2.10%
Senior Notes | 1.75% Huntington National Bank senior note due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 502,822	0
Stated rate	1.75%
Senior Notes | 2.23% Huntington National Bank senior note due 2017
Debt Instrument [Line Items]
Long-term borrowings	$ 502,549	499,759
Stated rate	2.23%
Senior Notes | 2.43% Huntington National Bank senior note due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 500,646	0
Stated rate	2.43%
Senior Notes | 2.97% Huntington National Bank senior note due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 500,489	0
Stated rate	2.97%
Senior Notes | 1.43% Huntington National Bank senior note due 2019
Debt Instrument [Line Items]
Long-term borrowings	$ 500,292	499,760
Stated rate	1.43%
Senior Notes | 1.31% Huntington National Bank senior note due 2016
Debt Instrument [Line Items]
Long-term borrowings	$ 498,925	497,477
Stated rate	1.31%
Senior Notes | 1.40% Huntington National Bank senior note due 2016
Debt Instrument [Line Items]
Long-term borrowings	$ 349,793	349,499
Stated rate	1.40%
Senior Notes | 0.74% Huntington National Bank senior note due 2017
Debt Instrument [Line Items]
Long-term borrowings	$ 250,000	250,000
Effective rate	0.74%
Senior Notes | 5.04% Huntington National Bank medium-term notes due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 37,535	38,541
Stated rate	5.04%
Senior Notes | Three-month LIBOR | 0.74% Huntington National Bank senior note due 2017
Debt Instrument [Line Items]
Basis spread on variable rate	0.425%
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term borrowings	$ 7,802	758,052
Other borrowings
Debt Instrument [Line Items]
Long-term borrowings	$ 452,448	65,141
Other borrowings | FHLB advances
Debt Instrument [Line Items]
Effective rate	3.46%
Other borrowings | Huntington Technology Finance nonrecourse debt, 4.21% effective interest rate, varying maturities
Debt Instrument [Line Items]
Long-term borrowings	$ 301,577	0
Effective rate	4.21%
Other borrowings | Huntington Technology Finance ABS Trust 2014 1.35% due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 123,577	0
Stated rate	1.35%
Other borrowings | Huntington Technology Finance ABS Trust 2012 1.79% due 2017
Debt Instrument [Line Items]
Long-term borrowings	$ 27,153	0
Stated rate	1.79%
Other borrowings | Other
Debt Instrument [Line Items]
Long-term borrowings	$ 141	65,141
Parent Company
Debt Instrument [Line Items]
Long-term borrowings	1,045,835	1,046,104
Parent Company | Subordinated Notes | Fixed 7.00% subordinated notes due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 328,185	330,105
Stated rate	7.00%
Parent Company | Subordinated Notes | Huntington Capital I Trust Preferred 1.03% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Long-term borrowings	$ 111,816	111,816
Effective rate	1.03%
Parent Company | Subordinated Notes | Sky Financial Capital Trust IV 1.73% Junior Subordinated Debentures Due 2036 [Member]
Debt Instrument [Line Items]
Long-term borrowings	$ 74,320	74,320
Effective rate	1.73%
Parent Company | Subordinated Notes | Sky Financial Capital Trust III 2.01% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term borrowings	$ 72,165	72,165
Effective rate	2.01%
Parent Company | Subordinated Notes | Huntington Capital II Trust Preferred 1.14% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Long-term borrowings	$ 54,593	54,593
Effective rate	1.14%
Parent Company | Subordinated Notes | Camco Statutory Trust I 2.95% due 2037
Debt Instrument [Line Items]
Long-term borrowings	$ 4,212	4,181
Effective rate	2.95%
Parent Company | Subordinated Notes | Three-month LIBOR | Huntington Capital I Trust Preferred 1.03% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Basis spread on variable rate	0.70%
Parent Company | Subordinated Notes | Three-month LIBOR | Sky Financial Capital Trust IV 1.73% Junior Subordinated Debentures Due 2036 [Member]
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Parent Company | Subordinated Notes | Three-month LIBOR | Sky Financial Capital Trust III 2.01% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Parent Company | Subordinated Notes | Three-month LIBOR | Huntington Capital II Trust Preferred 1.14% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Basis spread on variable rate	0.625%
Parent Company | Subordinated Notes | Three-month LIBOR | Camco Statutory Trust I 2.95% due 2037
Debt Instrument [Line Items]
Basis spread on variable rate	1.33%
Parent Company | Senior Notes | 2.64% Huntington Bancshares Incorporated senior note due 2018
Debt Instrument [Line Items]
Long-term borrowings	$ 400,544	$ 398,924
Stated rate	2.64%

LONG-TERM DEBT - Maturities (De

LONG-TERM DEBT - Maturities (Details) $ in Thousands	Dec. 31, 2015USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	$ 1,097,104
2,017	846,815
2,018	2,771,818
2,019	619,404
2,020	1,353,995
Thereafter	332,565
Long-term Debt, Gross	7,021,701
Parent Company | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	0
2,017	0
2,018	400,000
2,019	0
2,020	0
Thereafter	0
Long-term Debt, Gross	400,000
Parent Company | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	0
2,017	0
2,018	0
2,019	0
2,020	300,000
Thereafter	318,049
Long-term Debt, Gross	618,049
Bank | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	850,000
2,017	750,000
2,018	2,135,000
2,019	500,000
2,020	1,000,000
Thereafter	0
Long-term Debt, Gross	5,235,000
Bank | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	103,009
2,017	0
2,018	125,539
2,019	75,716
2,020	0
Thereafter	0
Long-term Debt, Gross	304,264
Bank | Federal Home Loan Bank advances
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	0
2,017	100
2,018	1,163
2,019	348
2,020	2,458
Thereafter	3,921
Long-term Debt, Gross	7,990
Bank | Other borrowings
Long-term Debt, Fiscal Year Maturity [Abstract]
2,016	144,095
2,017	96,715
2,018	110,116
2,019	43,340
2,020	51,537
Thereafter	10,595
Long-term Debt, Gross	$ 456,398

LONG-TERM DEBT - Narrative (Det

LONG-TERM DEBT - Narrative (Details)	Mar. 31, 2015USD ($)securitization	Nov. 30, 2015USD ($)	Feb. 28, 2015USD ($)	Apr. 30, 2014USD ($)	Feb. 28, 2014USD ($)	Dec. 31, 2015USD ($)	Aug. 31, 2015USD ($)	Jun. 30, 2015USD ($)	Dec. 31, 2014USD ($)
Debt Instrument [Line Items]
Long-term debt						$ 7,067,614,000			$ 4,335,962,000
Senior Notes | Senior Notes Due April 1, 2019
Debt Instrument [Line Items]
Debt face amount					$ 500,000,000
Debt percent of value issued					99.842%
Other borrowings
Debt Instrument [Line Items]
Long-term debt						$ 452,448,000			$ 65,141,000
Other borrowings | HTF Non-recourse Debt, Effective Rate 3.20%
Debt Instrument [Line Items]
Effective rate	3.20%
Long-term debt	$ 293,400,000
Other borrowings | HTF Non-recourse Debt, Effective Rate 1.70%
Debt Instrument [Line Items]
Effective rate	1.70%
Long-term debt	$ 255,000,000
Debt assumed number of securitizations | securitization	2
Bank | Senior Notes
Debt Instrument [Line Items]
Debt percent of value issued			99.87%
Bank | Senior Notes | Senior Notes Due November 6, 2018
Debt Instrument [Line Items]
Debt face amount		$ 850,000,000
Debt percent of value issued		99.88%
Stated rate		2.20%
Bank | Senior Notes | Senior Notes Due November 6, 2018 | One month prior to maturity date
Debt Instrument [Line Items]
Redemption price percentage		100.00%
Bank | Senior Notes | Senior Notes Due August 20, 2020
Debt Instrument [Line Items]
Debt face amount							$ 500,000,000
Debt percent of value issued							99.58%
Stated rate							2.88%
Bank | Senior Notes | Senior Notes Due June 30, 2018
Debt Instrument [Line Items]
Debt face amount								$ 750,000,000
Debt percent of value issued								99.71%
Stated rate								2.00%
Bank | Senior Notes | Senior Notes Due February 2018
Debt Instrument [Line Items]
Debt face amount			$ 500,000,000
Debt percent of value issued			99.86%
Effective rate			1.70%
Bank | Senior Notes | Senior Notes Due February 2018 | One month prior to maturity date
Debt Instrument [Line Items]
Redemption price percentage			100.00%
Bank | Senior Notes | Senior Notes Due April 1, 2020
Debt Instrument [Line Items]
Debt face amount			$ 500,000,000
Stated rate			2.40%
Redemption price percentage			100.00%
Bank | Senior Notes | Senior Notes Due April 24, 2017, Fixed Rate
Debt Instrument [Line Items]
Debt face amount				$ 500,000,000
Debt percent of value issued				99.842%
Effective rate				1.375%
Bank | Senior Notes | Senior Notes Due April 24, 2017, Fixed Rate | One month prior to maturity date
Debt Instrument [Line Items]
Redemption price percentage				100.00%
Bank | Senior Notes | Senior Notes Due April 24, 2017, Variable Rate
Debt Instrument [Line Items]
Debt face amount				$ 250,000,000
Debt percent of value issued				100.00%
Bank | Senior Notes | Senior Notes Due April 24, 2017, Variable Rate | One month prior to maturity date
Debt Instrument [Line Items]
Redemption price percentage				100.00%
Bank | Senior Notes | Senior Notes Due April 24, 2017, Variable Rate | Three-month LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate				0.425%
Bank | Senior Notes | Senior Notes Due April 1, 2019
Debt Instrument [Line Items]
Stated rate					2.20%
Redemption price percentage					100.00%

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pretax
Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold	$ 19,606	$ 13,583	$ 235
Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period	12,966	14,141	(86,240)
Less: Reclassification adjustment for net (gains) losses included in net income	(220)	(3,971)	(15,188)
Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships	12,746	10,170	(101,428)
Net change in pension and other post-retirement obligations			136,452
Defined benefit pension items			(13,106)
Net change in pension and post-retirement obligations	(7,795)	(106,857)	123,346
Total other comprehensive income (loss), pretax	(5,839)	(11,750)	(97,404)
Tax (Expense) Benefit
Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold	(6,933)	(4,803)	(82)
Unrealized gains (losses) on derivatives used in cash flow hedging relationships arising during the period	(4,538)	(4,949)	30,184
Less: Reclassification adjustment for net (gains) losses included in net income	77	1,390	5,316
Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships	(4,461)	(3,559)	35,500
Re-measurement obligation			(47,758)
Defined benefit pension items			4,588
Net change in pension and other post-retirement obligations	2,728	37,400	(43,170)
Total other comprehensive income (loss)	1,973	3,467	34,212
After-tax
Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold	12,673	8,780	153
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(19,757)	45,783	(77,593)
Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period	8,428	9,192	(56,056)
Less: Reclassification adjustment for net losses (gains) losses included in net income	(143)	(2,581)	(9,872)
Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships	8,285	6,611	(65,928)
Re-measurement obligation			88,694
Defined benefit pension items			(8,518)
Net change in pension and post-retirement obligations	(5,067)	(69,457)	80,176
Other comprehensive income (loss), net of tax	(3,866)	(8,283)	(63,192)
Equity securities
Pretax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(474)	295	151
Tax (Expense) Benefit
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	166	(103)	(53)
After-tax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(308)	192	98
Debt securities
Pretax
Unrealized holding gains (losses) on available-for-sale debt securities arising during the period	(26,021)	86,618	(125,919)
Less: Reclassification adjustment for net losses (gains) included in net income	(3,901)	(15,559)	6,211
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(10,316)	84,642	(119,473)
Tax (Expense) Benefit
Unrealized holding gains (losses) on available-for-sale debt securities arising during the period	9,108	(30,914)	44,191
Less: Reclassification adjustment for net losses (gains) included in net income	1,365	5,446	(2,174)
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	3,540	(30,271)	41,935
After-tax
Unrealized holding gains (losses) on available-for-sale debt securities arising during the period	(16,913)	55,704	(81,728)
Less: Reclassification adjustment for net gains (losses) included in net income	(2,536)	(10,113)	4,037
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	$ (6,776)	$ 54,371	$ (77,538)

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 6,328,170	$ 6,090,153	$ 5,778,500
Other comprehensive income before reclassifications	3,880	73,868
Amounts reclassified from accumulated OCI to earnings	(7,746)	(82,151)
Period change	(3,866)	(8,283)
Ending balance	6,594,606	6,328,170	6,090,153
AOCI attributable to parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(222,292)	(214,009)	(150,817)
Ending balance	(226,158)	(222,292)	(214,009)
Unrealized gains and (losses) on securities | Debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	15,137	(39,234)
Other comprehensive income before reclassifications	(4,240)	64,484
Amounts reclassified from accumulated OCI to earnings	(2,536)	(10,113)
Period change	(6,776)	54,371
Ending balance	8,361	15,137	(39,234)
Unrealized gains and (losses) on securities | Equity securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	484	292
Other comprehensive income before reclassifications	(308)	192
Amounts reclassified from accumulated OCI to earnings	0	0
Period change	(308)	192
Ending balance	176	484	292
Unrealized gains and (losses) on cash flow hedging derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(12,233)	(18,844)
Other comprehensive income before reclassifications	8,428	9,192
Amounts reclassified from accumulated OCI to earnings	(143)	(2,581)
Period change	8,285	6,611
Ending balance	(3,948)	(12,233)	(18,844)
Unrealized gains (losses) for pension and other post- retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(225,680)	(156,223)
Other comprehensive income before reclassifications	0	0
Amounts reclassified from accumulated OCI to earnings	(5,067)	(69,457)
Period change	(5,067)	(69,457)
Ending balance	(230,747)	(225,680)	$ (156,223)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Transferred from AFS to HTM	9,000
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains and (losses) on securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Amounts reclassified from accumulated OCI to earnings	(2,536)	(10,113)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains and (losses) on cash flow hedging derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Amounts reclassified from accumulated OCI to earnings	(143)	(2,581)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains (losses) for pension and other post- retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Amounts reclassified from accumulated OCI to earnings	$ (5,067)	$ (69,457)

OTHER COMPREHENSIVE INCOME - Re

OTHER COMPREHENSIVE INCOME - Reclassifications (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest income—held-to-maturity securities—taxable		$ 86,614	$ 88,724	$ 50,214
Noninterest income—net gains (losses) on sale of securities, realized gain (loss) on sale		3,184	17,554	2,220
Noninterest income—net gains (losses) on sale of securities, OTTI	$ 0	(2,440)	0	(1,802)
Interest income - loans and leases		1,759,525	1,674,563	1,629,939
Noninterest income - other income		132,714	126,004	138,825
Noninterest expense—personnel costs		1,122,182	1,048,775	$ 1,001,637
Net of tax		7,746	82,151
Unrealized gains and (losses) on cash flow hedging derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax		143	2,581
Unrealized gains (losses) for pension and other post- retirement obligations
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax		5,067	69,457
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains and (losses) on securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest income—held-to-maturity securities—taxable		(144)	597
Noninterest income—net gains (losses) on sale of securities, realized gain (loss) on sale		6,485	14,962
Noninterest income—net gains (losses) on sale of securities, OTTI		(2,440)	0
Total before tax		3,901	15,559
Tax (expense) benefit		(1,365)	(5,446)
Net of tax		2,536	10,113
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains and (losses) on cash flow hedging derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax		220	3,971
Tax (expense) benefit		(77)	(1,390)
Net of tax		143	2,581
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains and (losses) on cash flow hedging derivatives | Interest Rate Contract
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest income - loans and leases		210	4,064
Noninterest income - other income		10	(93)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized gains (losses) for pension and other post- retirement obligations
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax		7,795	106,857
Tax (expense) benefit		(2,728)	(37,400)
Net of tax		5,067	69,457
Reclassification out of Accumulated Other Comprehensive Income | Actuarial gains (losses)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Noninterest expense—personnel costs		5,827	106,857
Reclassification out of Accumulated Other Comprehensive Income | Net periodic benefit costs
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Noninterest expense—personnel costs		$ 1,968	$ 0

SHAREHOLDERS' EQUITY - Preferre

SHAREHOLDERS' EQUITY - Preferred Stock Issued and Outstanding (Details) $ / shares in Units, $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2015$ / sharesshares	Dec. 31, 2015$ / shares	Dec. 31, 2014$ / shares	Dec. 31, 2011USD ($)$ / shares	Dec. 31, 2008day$ / sharesshares
Class of Stock [Line Items]
Shares exchanged | $				$ 36
Series A Preferred Stock
Class of Stock [Line Items]
Stock issued (in shares) | shares					569,000
Preferred stock, dividend percentage		8.50%	8.50%		8.50%
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares	$ 1,000	$ 1,000	$ 1,000		$ 1,000
Number of shares issued for each share of convertible preferred stock | shares					83.668
Conversion price (in dollars per share) | $ / shares					$ 11.95
Convertible preferred stock, threshold percentage of stock price trigger					130.00%
Convertible preferred stock, threshold trading days | day					20
Convertible preferred stock, threshold consecutive trading days					30 days
Convertible preferred stock, shares converted | shares	1
Series B Preferred Stock
Class of Stock [Line Items]
Stock issued value | $				$ 24
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares	$ 1,000	$ 1,000	$ 1,000	$ 1,000
Shares issued par value | $				$ 36
Depository share, percent interest in preferred stock				0.025
Series B Preferred Stock | Three-month LIBOR
Class of Stock [Line Items]
Preferred stock, dividend percentage, basis spread on variable rate				2.70%

SHAREHOLDERS' EQUITY - Share Re

SHAREHOLDERS' EQUITY - Share Repurchase Program (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Mar. 11, 2015
2015 Share Repurchase Program
Equity, Class of Treasury Stock [Line Items]
Share repurchase program, authorized amount			$ 366,000,000
Purchase of common stock shares (in shares)	23,000,000
Repurchase of common stock, weighted average price (in dollars per share)	$ 10.93
Stock repurchase program, remaining number of shares authorized to be repurchased	166,000,000
2014 Share Repurchase Program
Equity, Class of Treasury Stock [Line Items]
Purchase of common stock shares (in shares)		35,700,000
Repurchase of common stock, weighted average price (in dollars per share)		$ 9.37

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								9 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Basic earnings per common share:
Net income	$ 178,309	$ 152,588	$ 196,206	$ 165,854	$ 163,614	$ 155,016	$ 164,619	$ 149,143		$ 692,957	$ 632,392	$ 641,282
Preferred stock dividends	(7,972)	(7,968)	(7,968)	(7,965)	(7,963)	(7,964)	(7,963)	(7,964)		(31,873)	(31,854)	(31,869)
Net income available to common shareholders	$ 170,337	$ 144,620	$ 188,238	$ 157,889	$ 155,651	$ 147,052	$ 156,656	$ 141,179	$ 600,538	$ 661,084	$ 600,538	$ 609,413
Average common shares issued and outstanding (in shares)									819,917	803,412	819,917	834,205
Basic earnings per common share (in USD per share)	$ 0.21	$ 0.18	$ 0.23	$ 0.19	$ 0.19	$ 0.18	$ 0.19	$ 0.17	$ 0.73	$ 0.82	$ 0.73	$ 0.73
Diluted earnings per common share
Net income available to common shareholders	$ 170,337	$ 144,620	$ 188,238	$ 157,889	$ 155,651	$ 147,052	$ 156,656	$ 141,179	$ 600,538	$ 661,084	$ 600,538	$ 609,413
Effect of assumed preferred stock conversion										0	0	0
Net income applicable to diluted earnings per share										$ 661,084	$ 600,538	$ 609,413
Dilutive potential common shares:
Stock options and restricted stock units and awards (in shares)										11,633	11,421	8,418
Shares held in deferred compensation plans (in shares)										1,912	1,420	1,351
Other (in shares)										172	323	0
Dilutive potential common shares: (in shares)										13,717	13,164	9,769
Total diluted average common shares issued and outstanding (in shares)									833,081	817,129	833,081	843,974
Diluted earnings per common share (in USD per share)	$ 0.21	$ 0.18	$ 0.23	$ 0.19	$ 0.19	$ 0.18	$ 0.19	$ 0.17	$ 0.72	$ 0.81	$ 0.72	$ 0.72
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect (in shares)										1,600	2,600	6,600

SHARE-BASED COMPENSATION - Narr

SHARE-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized	30
Shares available for grant	24.7
Cash received for exercises of stock options	$ 26	$ 21	$ 14
Tax benefit realized from stock option exercises	$ 7	$ 4	$ 2
Granted (in USD per share)	$ 10.86	$ 9.09	$ 7.12
Total fair value of awards vested	$ 30	$ 26	$ 14
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Total unrecognized compensation cost related to nonvested awards	$ 71
Cost not yet recognized period for recognition	2 years 4 months
Stock Option | Prior to May 2004
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	10 years
Stock Option | After May 2004
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	7 years
Performance Share Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in USD per share)	$ 10.94

SHARE-BASED COMPENSATION - Sche

SHARE-BASED COMPENSATION - Schedule of Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assumptions
Risk-free interest rate	2.13%	1.69%	0.79%
Expected dividend yield	2.57%	2.61%	2.83%
Expected volatility of Huntington’s common stock	29.00%	32.30%	35.00%
Expected option term (years)	6 years 6 months	5 years	5 years 6 months
Weighted-average grant date fair value per share	$ 2.57	$ 2.13	$ 1.71

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-based compensation expense	$ 51,415	$ 43,666	$ 37,007
Tax benefit	$ 17,618	$ 14,779	$ 12,472

SHARE-BASED COMPENSATION - S112

SHARE-BASED COMPENSATION - Schedule of Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Options (in shares):
Outstanding at beginning of period (in shares)	19,619
Granted (in shares)	1,249
Assumed (in shares)	0
Exercised (in shares)	(4,269)
Forfeited'expired (in shares)	(478)
Outstanding at end of period (in shares)	16,121
Expected to vest at end of period (in shares)	3,499
Exercisable at end of period (in shares)	12,299
Weighted- Average Exercise Price (USD per share):
Outstanding at beginning of period (USD per share) | $ / shares	$ 6.99
Granted (USD per share) | $ / shares	10.89
Exercised (USD per share) | $ / shares	6.01
Forfeited or expired (USD per share) | $ / shares	17.31
Outstanding at end of period (USD per share) | $ / shares	7.25
Vested and expected to vest (USD per share) | $ / shares	9.02
Exercisable (USD per share) | $ / shares	$ 6.69
Weighted-Average Remaining Contractual Life (Years)/Aggregate Intrinsic Value
Outstanding, weighted-average remaining contractual life (years)	3 years 8 months
Expected to vest, weighted-average remaining contractual period (years)	6 years 3 months
Exercisable, weighted-average remaining contractual term (years)	2 years 11 months
Outstanding aggregate intrinsic value | $	$ 64,180
Expected to vest, aggregate intrinsic value | $	7,154
Exercisable, aggregate intrinsic value | $	$ 56,450
Expected to be forfeited (in shares)	323

SHARE-BASED COMPENSATION - Opti

SHARE-BASED COMPENSATION - Options by Exercise Price (Details) shares in Thousands	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, End of Period [Abstract]
Outstanding options, shares (in shares) | shares	16,121
Outstanding options, weighted-average exercise price (USD per share)	$ 7.25
Exercisable options, shares (in shares) | shares	12,299
Exercisable options, weighted-average exercise price (USD per share)	$ 6.69
$0 to $5.63
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (USD per share)	0
Exercise price range, upper range limit (USD per share)	$ 5.63
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, End of Period [Abstract]
Outstanding options, shares (in shares) | shares	704
Outstanding options, weighted-average remaining contractual life (in years)	1 year 2 months
Outstanding options, weighted-average exercise price (USD per share)	$ 4.30
Exercisable options, shares (in shares) | shares	704
Exercisable options, weighted-average exercise price (USD per share)	$ 4.30
$5.64 to $6.02
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (USD per share)	5.64
Exercise price range, upper range limit (USD per share)	$ 6.02
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, End of Period [Abstract]
Outstanding options, shares (in shares) | shares	5,666
Outstanding options, weighted-average remaining contractual life (in years)	2 years 7 months
Outstanding options, weighted-average exercise price (USD per share)	$ 6.02
Exercisable options, shares (in shares) | shares	5,666
Exercisable options, weighted-average exercise price (USD per share)	$ 6.02
$6.03 to $15.95
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (USD per share)	6.03
Exercise price range, upper range limit (USD per share)	$ 15.95
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, End of Period [Abstract]
Outstanding options, shares (in shares) | shares	9,482
Outstanding options, weighted-average remaining contractual life (in years)	4 years 7 months
Outstanding options, weighted-average exercise price (USD per share)	$ 6.98
Exercisable options, shares (in shares) | shares	5,660
Exercisable options, weighted-average exercise price (USD per share)	$ 6.98
$15.96 and over
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (USD per share)	$ 15.96
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, End of Period [Abstract]
Outstanding options, shares (in shares) | shares	269
Outstanding options, weighted-average remaining contractual life (in years)	3 months
Outstanding options, weighted-average exercise price (USD per share)	$ 21.07
Exercisable options, shares (in shares) | shares	269
Exercisable options, weighted-average exercise price (USD per share)	$ 21.07

SHARE-BASED COMPENSATION - Rest

SHARE-BASED COMPENSATION - Restricted Stock, RSUs, Performance Shares (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Granted (in USD per share)	$ 10.86	$ 9.09	$ 7.12
Restricted Stock Awards
Shares:
Nonvested at beginning of period (in shares)	12
Granted (in shares)	0
Assumed (in shares)	0
Vested (in shares)	(3)
Forfeited (in shares)	(2)
Nonvested at end of period (in shares)	7	12
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 9.53
Granted (in USD per share)	0
Assumed (in USD per share)	0
Vested (in USD per share)	9.53
Forfeited (in USD per share)	9.53
Nonvested at end of period (in USD per share)	$ 9.53	$ 9.53
Restricted Stock Units
Shares:
Nonvested at beginning of period (in shares)	11,904
Granted (in shares)	4,550
Assumed (in shares)	0
Vested (in shares)	(3,785)
Forfeited (in shares)	(499)
Nonvested at end of period (in shares)	12,170	11,904
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 7.79
Granted (in USD per share)	10.84
Assumed (in USD per share)	0
Vested (in USD per share)	7.11
Forfeited (in USD per share)	8.53
Nonvested at end of period (in USD per share)	$ 9.11	$ 7.79
Performance Share Awards
Shares:
Nonvested at beginning of period (in shares)	2,579
Granted (in shares)	883
Assumed (in shares)	0
Vested (in shares)	(513)
Forfeited (in shares)	(56)
Nonvested at end of period (in shares)	2,893	2,579
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 7.76
Granted (in USD per share)	10.94
Assumed (in USD per share)	0
Vested (in USD per share)	6.77
Forfeited (in USD per share)	6.88
Nonvested at end of period (in USD per share)	$ 8.99	$ 7.76

BENEFIT PLANS - Narrative (Deta

BENEFIT PLANS - Narrative (Details)	12 Months Ended
	Dec. 31, 2015USD ($)age	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Amount to be Amortized from Accumulated Other Comprehensive Income (Loss) Next Fiscal Year:
Future amortization of transition obligation (asset)	$ 0
Future amortization of prior service cost (credit)	2,000,000
Future amortization gain (loss)	$ 8,000,000
Defined Contribution Plan:
Employer matching contribution, percent of match	4.00%
Discretionary profit-share contribution, percent of annual base pay	1.00%	1.00%
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Contribution to plan	$ 0
Accumulated benefit obligation	755,000,000	$ 800,000,000
Pension Plans with Accumulated Benefit Obligations in Excess of Plan Assets:
Accumulated benefit obligations in excess of plan assets, aggregate projected benefit obligation	160,000,000
Accumulated benefit obligation in excess of plan assets, aggregate accumulated benefit obligation	160,000,000
Defined benefit plan expenses	4,000,000	2,000,000	$ 2,000,000
Estimated net periodic pension cost in next fiscal year	$ 2,000,000
Defined Benefit Plan, Information about Plan Assets:
Average duration of plan assets investment in bonds, years	12 years 2 months
Estimated life of benefit obligations	11 years 11 months
Pension Benefits | Equity securities
Defined Benefit Plan, Information about Plan Assets:
Actual plan asset allocations	45.00%
Target plan asset allocations range minimum	20.00%
Target plan asset allocations range maximum	50.00%
Pension Benefits | Bonds
Defined Benefit Plan, Information about Plan Assets:
Actual plan asset allocations	52.00%
Target plan asset allocations range minimum	50.00%
Target plan asset allocations range maximum	80.00%
Pension Benefits | Cash and cash equivalents
Defined Benefit Plan, Information about Plan Assets:
Actual plan asset allocations	3.00%
Post-Retirement Benefits
Defined Benefit Plan Disclosure [Line Items]
Healthcare and life insurance benefits, employee retirement age | age	55
Healthcare and life insurance benefits, requisite service period	10 years
Life insurance coverage, maximum	$ 50,000
Reduction in liability due to plan amendment	5,000,000
Contributions received for retiree medical program (less than $1 million)	1,000,000	3,000,000
Defined Benefit Plan, Information about Plan Assets:
Estimated future employer contributions in next fiscal year	$ 0
Defined Benefit Plan, Assumed Health Care Cost Trend Rates:
Health care cost trend rate assumed for next fiscal year	7.00%
Ultimate health care cost trend rate	4.50%
Year that rate reaches ultimate trend rate	2,028
Supplemental Executive Retirement Plan
Pension Plans with Accumulated Benefit Obligations in Excess of Plan Assets:
Defined benefit plan expenses	$ 1,000,000	1,000,000	$ 4,000,000
Defined Benefit Plan, Assumed Health Care Cost Trend Rates:
Accrued pension liability	$ 34,000,000	$ 35,000,000

BENEFIT PLANS - Weighted Averag

BENEFIT PLANS - Weighted Average Assumptions (Details)	3 Months Ended	5 Months Ended	7 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Jul. 31, 2014	Sep. 30, 2015	Dec. 31, 2015	Dec. 31, 2014
Pension Benefits
Weighted-average assumptions used to determine benefit obligations
Discount rate	4.54%	4.12%			4.54%	4.12%
Weighted-average assumptions used to determine net periodic benefit cost
Discount Rate					4.12%	4.89%
Long-term Return on Assets					7.00%	7.25%
Post-Retirement Benefits
Weighted-average assumptions used to determine benefit obligations
Discount rate	3.81%	3.72%			3.81%	3.72%
Weighted-average assumptions used to determine net periodic benefit cost
Discount Rate	3.77%	3.89%	4.27%	3.72%	3.73%	4.11%

BENEFIT PLANS - Projected Benef

BENEFIT PLANS - Projected Benefit Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pension Benefits
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	$ 799,594	$ 684,999
Service cost	1,830	1,740	$ 25,122
Interest cost	31,937	32,398	30,112
Benefits paid	(17,246)	(16,221)
Settlements	(27,976)	(27,045)
Plan amendments	0	0
Plan curtailments	0	0
Medicare subsidies	0	0
Actuarial assumptions and gains and losses	(33,425)	123,723
Total changes	(44,880)	114,595
Projected benefit obligation at end of measurement year	754,714	799,594	684,999
Post-Retirement Benefits
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	15,963	25,669
Service cost	0	0	0
Interest cost	506	856	862
Benefits paid	(2,211)	(3,401)
Settlements	(6,993)	0
Plan amendments	0	(8,782)
Plan curtailments	0	0
Medicare subsidies	117	462
Actuarial assumptions and gains and losses	643	1,159
Total changes	(7,938)	(9,706)
Projected benefit obligation at end of measurement year	$ 8,025	$ 15,963	$ 25,669

BENEFIT PLANS BENEFIT PLANS - F

BENEFIT PLANS BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	$ 653,013
Fair value of plan assets at end of measurement year	594,217	$ 653,013
Pension Benefits
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	653,013	649,020
Actual return on plan assets	(16,122)	44,312
Settlements	(25,428)	(24,098)
Benefits paid	(17,246)	(16,221)
Total changes	(58,796)	3,993
Fair value of plan assets at end of measurement year	$ 594,217	$ 653,013

BENEFIT PLANS - Net Periodic Be

BENEFIT PLANS - Net Periodic Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pension Benefits
Components of net periodic benefit expense [Abstract]
Service cost	$ 1,830	$ 1,740	$ 25,122
Interest cost	31,937	32,398	30,112
Expected return on plan assets	(44,175)	(45,783)	(47,716)
Amortization of prior service cost	0	0	(2,883)
Amortization of loss	7,934	5,767	23,044
Curtailment	0	0	(34,613)
Settlements	12,645	11,200	8,116
Benefit costs	10,171	5,322	1,182
Post-Retirement Benefits
Components of net periodic benefit expense [Abstract]
Service cost	0	0	0
Interest cost	506	856	862
Expected return on plan assets	0	0	0
Amortization of prior service cost	(1,968)	(1,609)	(1,353)
Amortization of loss	(401)	(571)	(600)
Curtailment	0	0	0
Settlements	(3,090)	0	0
Benefit costs	$ (4,953)	$ (1,324)	$ (1,091)

BENEFIT PLANS - Fair Value of P

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Summary of plan assets investments
Fair value of plan assets	$ 594,217	$ 653,013
Fair value of plan assets, Percentage	100.00%	100.00%
Federated-money market
Summary of plan assets investments
Fair value of plan assets	$ 15,590	$ 0
Fair value of plan assets, Percentage	3.00%	0.00%
Huntington funds—money market
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 16,136
Fair value of plan assets, Percentage	0.00%	2.00%
Corporate obligations
Summary of plan assets investments
Fair value of plan assets	$ 205,081	$ 218,077
Fair value of plan assets, Percentage	34.00%	33.00%
U.S. Government Obligations
Summary of plan assets investments
Fair value of plan assets	$ 64,456	$ 62,627
Fair value of plan assets, Percentage	11.00%	10.00%
Mutual funds-fixed income
Summary of plan assets investments
Fair value of plan assets	$ 32,874	$ 34,761
Fair value of plan assets, Percentage	6.00%	5.00%
U.S. Government Agencies
Summary of plan assets investments
Fair value of plan assets	$ 6,979	$ 7,445
Fair value of plan assets, Percentage	1.00%	1.00%
Mutual funds-equities
Summary of plan assets investments
Fair value of plan assets	$ 136,026	$ 147,191
Fair value of plan assets, Percentage	23.00%	23.00%
Other common stock
Summary of plan assets investments
Fair value of plan assets	$ 120,046	$ 118,970
Fair value of plan assets, Percentage	20.00%	18.00%
Huntington funds
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 37,920
Fair value of plan assets, Percentage	0.00%	6.00%
Exchange Traded Funds
Summary of plan assets investments
Fair value of plan assets	$ 6,530	$ 6,840
Fair value of plan assets, Percentage	1.00%	1.00%
Limited Partnerships
Summary of plan assets investments
Fair value of plan assets	$ 6,635	$ 3,046
Fair value of plan assets, Percentage	1.00%	1.00%

BENEFIT PLANS - Dividends (Deta

BENEFIT PLANS - Dividends (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Pension Benefits
Defined Benefit Plan, Information about Plan Assets:
Dividends received on shares of Huntington stock	$ 0	$ 267

BENEFIT PLANS BENEFIT PLANS - E

BENEFIT PLANS BENEFIT PLANS - Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2015USD ($)
Pension Benefits
Estimated Future Benefit Payments [Abstract]
2,016	$ 51,333
2,017	50,323
2,018	48,457
2,019	47,435
2,020	46,629
2021 through 2025	221,569
Post-Retirement Benefits
Estimated Future Benefit Payments [Abstract]
2,016	986
2,017	823
2,018	743
2,019	686
2,020	644
2021 through 2025	$ 2,738

BENEFIT PLANS - Amounts Recogni

BENEFIT PLANS - Amounts Recognized in the Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
Current pension liability	$ 2,000	$ 2,000
Amounts Recognized in Balance Sheet [Abstract]
Accrued expenses and other liabilities	$ 192,734	$ 198,947

BENEFIT PLANS - Amounts Reco124

BENEFIT PLANS - Amounts Recognized in AOCI (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Compensation and Retirement Disclosure [Abstract]
Net actuarial loss	$ (243,984)	$ (240,197)	$ (166,078)
Prior service cost	13,237	14,517	9,855
Defined benefit pension plans	$ (230,747)	$ (225,680)	$ (156,223)	$ (236,399)

BENEFIT PLANS - Amounts Reco125

BENEFIT PLANS - Amounts Recognized in OCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pretax Roll Forward:
Balance, beginning of year	$ (347,202)	$ (240,345)	$ (363,691)
Net actuarial (loss) gain:
Amounts arising during the year	(25,520)	(133,085)	118,666
Amortization included in net periodic benefit costs	19,693	19,056	29,194
Prior service cost:
Amounts arising during the year	0	8,781	0
Amortization included in net periodic benefit costs	(1,968)	(1,609)	(24,514)
Balance, end of year	(354,997)	(347,202)	(240,345)
Tax Roll Forward:
Balance, beginning of year	121,522	84,122	127,292
Net actuarial (loss) gain:
Amounts arising during the year	8,931	46,580	(41,532)
Amortization included in net periodic benefit costs	(6,892)	(6,670)	(10,218)
Prior service cost:
Amounts arising during the year	0	(3,073)	0
Amortization included in net periodic benefit costs	689	563	8,580
Balance, end of year	124,250	121,522	84,122
After-tax Roll Forward:
Balance, beginning of year	(225,680)	(156,223)	(236,399)
Net actuarial (loss) gain:
Amounts arising during the year	(16,589)	(86,505)	77,134
Amortization included in net periodic benefit costs	12,801	12,386	18,976
Prior service cost:
Amounts arising during the year	0	5,708	0
Amortization included in net periodic benefit costs	(1,279)	(1,046)	(15,934)
Balance, end of year	$ (230,747)	$ (225,680)	$ (156,223)

BENEFIT PLANS - Defined Contrib

BENEFIT PLANS - Defined Contribution Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]
Defined contribution plan	$ 31,896	$ 31,110	$ 18,238
Shares in Huntington common stock (in shares)	13,076,164	12,883,333
Market value of Huntington common stock	$ 144,622	$ 135,533
Dividends received on shares of Huntington stock	$ 3,076	$ 2,694

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating Loss Carryforwards [Line Items]
Unrecognized tax benefits	$ 23,104,000	$ 1,172,000	$ 704,000
Unrecognized tax benefit, interest expense (benefit)	(100,000)	100,000	$ (200,000)
Unrecognized tax benefit, interest accrued benefit	100,000	200,000
Net deferred tax asset, operating loss carryforwards	63,000,000
Net deferred tax asset, operating loss carryforwards, domestic	3,000,000
Net deferred tax asset, operating loss carryforwards, state and local	45,000,000
Net deferred tax asset, alternative minimum tax carryforward	1,000,000
Net deferred tax asset, general business credit carryforward	1,000,000
Net deferred tax asset, capital loss carryforward	13,000,000
Federal capital loss carryforward valuation allowance	3,620,000	73,057,000
Bad debt reserves with no federal income tax liability	12,000,000
Unrecognized deferred tax liability from cumulative bad debt reduction	$ 4,000,000
Operating Loss Carryforward Federal
Operating Loss Carryforwards [Line Items]
Net deferred tax asset carryforward expiration date	Dec. 31, 2023
Operating Loss Carryforward State
Operating Loss Carryforwards [Line Items]
Net deferred tax asset carryforward expiration date	Dec. 31, 2016
Federal capital loss carryforward valuation allowance		4,000,000
General Business Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Net deferred tax asset carryforward expiration date	Dec. 31, 2031
Capital Loss Carryforward
Operating Loss Carryforwards [Line Items]
Net deferred tax asset carryforward expiration date	Dec. 31, 2018
Federal capital loss carryforward valuation allowance	$ 0	$ 69,000,000

INCOME TAXES - Gross Unrecogniz

INCOME TAXES - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Unrecognized tax benefits at beginning of period	$ 1,172	$ 704
Gross increases for tax positions taken during current period	23,104	0
Gross increases for tax positions taken during prior years	0	468
Gross decreases for tax positions taken during prior years	(1,172)	0
Unrecognized tax benefits at end of period	$ 23,104	$ 1,172

INCOME TAXES - Provision (Benef

INCOME TAXES - Provision (Benefit) for Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current tax provision (benefit)
Federal									$ 146,195	$ 186,436	$ 117,174
State									5,677	(1,017)	4,278
Total current tax provision (benefit)									151,872	185,419	121,452
Deferred tax provision (benefit)
Federal									66,823	41,167	112,681
State									1,953	(5,993)	(6,659)
Total deferred tax provision (benefit)									68,776	35,174	106,022
Provision for income taxes	$ 55,583	$ 47,002	$ 64,057	$ 54,006	$ 57,151	$ 53,870	$ 57,475	$ 52,097	$ 220,648	$ 220,593	$ 227,474

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Provision for income taxes computed at the statutory rate									$ 319,762	$ 298,545	$ 304,065
Increases (decreases):
Tax-exempt income									(20,839)	(17,971)	(34,378)
Tax-exempt bank owned life insurance income									(18,340)	(19,967)	(19,747)
General business credits									(47,894)	(46,047)	(39,868)
State deferred tax asset valuation allowance adjustment, net									0	(7,430)	(6,020)
Capital loss									(46,288)	(26,948)	(961)
Affordable housing investment amortization, net of tax benefits									31,741	33,752	16,851
State income taxes, net									4,960	2,873	4,472
Other									(2,454)	3,786	3,060
Provision for income taxes	$ 55,583	$ 47,002	$ 64,057	$ 54,006	$ 57,151	$ 53,870	$ 57,475	$ 52,097	$ 220,648	$ 220,593	$ 227,474

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred Tax Assets, Gross [Abstract]
Allowances for credit losses	$ 238,415	$ 233,656
Fair value adjustments	121,642	119,512
Net operating and other loss carryforward	61,492	161,548
Accrued expense/prepaid	44,733	48,656
Purchase accounting adjustments	41,917	13,839
Partnership investments	21,614	24,123
Market discount	11,781	12,215
Pension and other employee benefits	2,405	0
Tax credit carryforward	1,823	30,825
Other	11,645	9,477
Total deferred tax assets	557,467	653,851
Deferred tax liabilities:
Lease financing	261,078	202,298
Loan origination costs	114,488	103,025
Mortgage servicing rights	48,514	47,748
Operating assets	46,685	50,266
Securities adjustments	19,952	27,856
Purchase accounting adjustments	6,944	17,299
Pension and other employee benefits	0	9,677
Other	5,463	5,178
Total deferred tax liabilities	503,124	463,347
Net deferred tax asset before valuation allowance	54,343	190,504
Valuation allowance	(3,620)	(73,057)
Net deferred tax asset	$ 50,723	$ 117,447

FAIR VALUES OF ASSETS AND LI132

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details) - Level 1	12 Months Ended
	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of available-for-sale and trading securities in Level 1 (less than)	1.00%
Percentage of available-for-sale and trading securities in Level 2	74.00%
Percentage of available-for-sale and trading securities in Level 3	26.00%

FAIR VALUES OF ASSETS AND LI133

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets measured at fair value on a recurring basis
Loans held for investment	$ 32,889	$ 40,027
Trading account securities	36,997	42,191
Available-for-sale and other securities	8,775,441	9,384,670
Derivative assets netting	(161,297)	(101,197)
Liabilities measured at fair value on a recurring basis
Derivative liabilities netting	(144,309)	(51,973)
U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	5,472	5,452
Federal agencies: Mortgage-backed
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	4,521,688	5,322,701
Federal agencies: Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	115,913	351,543
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	2,456,396	1,868,569
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale and other securities		41,926
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	466,477	486,176
Recurring
Assets measured at fair value on a recurring basis
Mortgage loans held for sale	337,577	354,888
Trading account securities	36,997	42,191
Available-for-sale and other securities	8,442,655	9,053,111
Automobile loans	1,748	10,590
MSRs	17,585	22,786
Derivative assets	274,872	352,642
Liabilities measured at fair value on a recurring basis
Derivative liabilities	144,350	284,255
Short-term borrowings	1,770	2,295
Recurring | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	5,472	5,452
Recurring | Federal agencies: Mortgage-backed
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	4,521,688	5,322,701
Recurring | Federal agencies: Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		2,857
Available-for-sale and other securities	115,913	351,543
Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	4,159	5,098
Available-for-sale and other securities	2,456,396	1,868,569
Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale and other securities		41,926
Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	861,413	955,998
Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	466,477	486,176
Recurring | Other securities
Assets measured at fair value on a recurring basis
Trading account securities	32,838	34,236
Available-for-sale and other securities	15,296	20,746
Recurring | Level 1
Assets measured at fair value on a recurring basis
Mortgage loans held for sale	0	0
Loans held for investment	0	0
Trading account securities	32,475	33,121
Available-for-sale and other securities	16,869	22,882
Automobile loans	0	0
MSRs	0	0
Derivative assets gross	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Short-term borrowings	0	0
Recurring | Level 1 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	5,472	5,452
Recurring | Level 1 | Federal agencies: Mortgage-backed
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 1 | Federal agencies: Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale and other securities	0	0
Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale and other securities	0	0
Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale and other securities		0
Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities	32,475	33,121
Available-for-sale and other securities	11,397	17,430
Recurring | Level 2
Assets measured at fair value on a recurring basis
Mortgage loans held for sale	337,577	354,888
Loans held for investment	32,889	40,027
Trading account securities	4,522	9,070
Available-for-sale and other securities	6,229,898	7,499,434
Automobile loans	0	0
MSRs	0	0
Derivative assets gross	429,448	449,775
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	287,994	335,524
Short-term borrowings	1,770	2,295
Recurring | Level 2 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 2 | Federal agencies: Mortgage-backed
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	4,521,688	5,322,701
Recurring | Level 2 | Federal agencies: Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		2,857
Available-for-sale and other securities	115,913	351,543
Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	4,159	5,098
Available-for-sale and other securities	360,845	450,976
Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale and other securities		11,462
Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	761,076	873,260
Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	466,477	486,176
Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities	363	1,115
Available-for-sale and other securities	3,899	3,316
Recurring | Level 3
Assets measured at fair value on a recurring basis
Mortgage loans held for sale	0	0
Loans held for investment	0	0
Trading account securities	0	0
Available-for-sale and other securities	2,195,888	1,530,795
Automobile loans	1,748	10,590
MSRs	17,585	22,786
Derivative assets gross	6,721	4,064
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	665	704
Short-term borrowings	0	0
Recurring | Level 3 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 3 | Federal agencies: Mortgage-backed
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 3 | Federal agencies: Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale and other securities	0	0
Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale and other securities	2,095,551	1,417,593
Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale and other securities		30,464
Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	100,337	82,738
Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale and other securities	0	0
Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale and other securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LI134

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Derivative instruments
Opening balance	$ 3,360	$ 2,390	$ 12,702
Transfers into Level 3	0	0
Transfers out of Level 3	(2,793)	0
Total gains/losses for the period:
Included in earnings	5,489	3,047	(5,944)
Included in OCI	0	0	0
Other			0
Purchases/originations	0	0
Sales	0	0	0
Repayments	0	0	0
Issues	0	0
Settlements	0	(2,077)	(4,368)
Opening balance	6,056	3,360	2,390
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	5,489	3,047	(5,944)
MSRs
Level 3 Assets Roll Forward:
Opening balance	22,786	34,236	35,202
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	(5,201)	(11,450)	(966)
Included in OCI	0	0	0
Other			0
Purchases/originations	0	0
Sales	0	0	0
Repayments	0	0	0
Issues	0	0
Settlements	0	0	0
Closing balance	17,585	22,786	34,236
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	(5,201)	(11,450)	(966)
Municipal securities
Level 3 Assets Roll Forward:
Opening balance	1,417,593	654,537	61,228
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	149	0	2,129
Included in OCI	(3,652)	14,776	9,075
Other			600,435
Purchases/originations	1,002,153	1,038,348
Sales	(9,656)	0	0
Repayments	0	0	0
Issues	0	0
Settlements	(311,036)	(290,068)	(18,330)
Closing balance	2,095,551	1,417,593	654,537
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	0	14,776	9,075
Private-label CMO
Level 3 Assets Roll Forward:
Opening balance	30,464	32,140	48,775
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	47	36	(180)
Included in OCI	1,832	452	1,703
Other			0
Purchases/originations	0	0
Sales	(30,077)	0	(10,254)
Repayments	0	0	0
Issues	0	0
Settlements	(2,266)	(2,164)	(7,904)
Closing balance	0	30,464	32,140
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	0	452	1,703
Asset-backed securities
Level 3 Assets Roll Forward:
Opening balance	82,738	107,419	110,037
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	(2,400)	226	(2,244)
Included in OCI	24,802	21,839	35,139
Other			0
Purchases/originations	0	0
Sales	0	(22,870)	(16,711)
Repayments	0	0	0
Issues	0	0
Settlements	(4,803)	(23,876)	(18,802)
Closing balance	100,337	82,738	107,419
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	(2,440)	21,137	35,139
Automobile Loan
Level 3 Assets Roll Forward:
Opening balance	10,590	52,286	142,762
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	(497)	(918)	(358)
Included in OCI	0	0	0
Other			0
Purchases/originations	0	0
Sales	0	0	0
Repayments	(8,345)	(40,778)	(90,118)
Issues	0	0
Settlements	0	0	0
Closing balance	1,748	10,590	52,286
Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date	$ (497)	$ (1,624)	$ (358)

FAIR VALUES OF ASSETS AND LI135

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Classification of Gains/Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	$ 5,489	$ 3,047	$ (5,944)
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(5,201)	(11,450)	(966)
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	149	0	2,129
Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	47	36	(180)
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(2,400)	226	(2,244)
Automobile Loan
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(497)	(918)	(358)
Mortgage banking income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	5,489	3,047	(5,944)
Mortgage banking income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(5,201)	(11,450)	(966)
Mortgage banking income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Mortgage banking income | Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Mortgage banking income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Mortgage banking income | Automobile Loan
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Securities gains (losses)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	0	0	0
Securities gains (losses) | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Securities gains (losses) | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	149	0	0
Securities gains (losses) | Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	(336)
Securities gains (losses) | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(2,440)	170	(1,466)
Securities gains (losses) | Automobile Loan
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Interest and fee income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	0	0	0
Interest and fee income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Interest and fee income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	2,129
Interest and fee income | Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	47	36	156
Interest and fee income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	40	56	(778)
Interest and fee income | Automobile Loan
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(497)	(1,032)	(3,569)
Noninterest income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	0	0	0
Noninterest income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Noninterest income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Noninterest income | Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Noninterest income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Noninterest income | Automobile Loan
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	$ 0	$ 114	$ 3,211

FAIR VALUES OF ASSETS AND LI136

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	$ 32,889	$ 40,027
Mortgage loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	337,577	354,888
Loans held for sale, aggregate unpaid principle	326,802	340,070
Aggregate difference	10,775	14,818
Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	32,889	40,027
Loans held for investment, aggregate unpaid principle	33,637	40,938
Aggregate difference	(748)	(911)
Automobile loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Automobile loans, fair value	1,748	10,590
Automobile loans, aggregate unpaid principle	1,748	10,022
Aggregate difference	$ 0	$ 568

FAIR VALUES OF ASSETS AND LI137

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Mortgage loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (2,342)	$ (1,978)	$ (12,711)
Automobile loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	(568)	(918)	(360)
Gains (losses) included in fair value changes associated with instrument specific credit risk	$ 199	$ 911	$ 2,207

FAIR VALUES OF ASSETS AND LI138

FAIR VALUES OF ASSETS AND LIABILITIES - Non-recurring/Fair Values of Financial Instruments (Details) - Nonrecurring $ in Thousands	Dec. 31, 2015USD ($)
Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	$ 141,726
Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	(2,732)
Impaired loans	(20,762)
Other real estate owned	(4,005)
Level 1 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	0
Impaired loans	0
Other real estate owned	0
Level 2 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	0
Impaired loans	0
Other real estate owned	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	62,029
Other real estate owned	27,342
Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	141,726
Impaired loans	62,029
Other real estate owned	$ 27,342

FAIR VALUES OF ASSETS AND LI139

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale and other securities	$ 8,775,441	$ 9,384,670
Derivative Liabilities | Maximum | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Estimated Pull through %	99.80%
Derivative Liabilities | Minimum | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Estimated Pull through %	11.90%
Derivative Liabilities | Weighted Average | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Estimated Pull through %	76.70%
MSRs | Maximum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	25.70%
Spread over forward interest rate swap rates	0.092
MSRs | Minimum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	7.90%
Spread over forward interest rate swap rates	0.033
MSRs | Weighted Average | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	14.70%
Spread over forward interest rate swap rates	0.054
Derivative Assets | Maximum | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Net market price	20.90%
Derivative Assets | Minimum | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Net market price	(3.20%)
Derivative Assets | Weighted Average | Consensus Pricing | Level 3
Quantitative information about level 3 fair value measurements
Net market price	1.90%
Municipal securities | Maximum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	7.20%
Cumulative default	50.00%
Loss given default	80.00%
Municipal securities | Minimum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	0.30%
Cumulative default	0.10%
Loss given default	5.00%
Municipal securities | Weighted Average | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	3.10%
Cumulative default	2.10%
Loss given default	20.50%
Asset-backed securities | Maximum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	10.90%
Cumulative prepayment rate	100.00%
Cumulative default	100.00%
Loss given default	100.00%
Cure given deferral	75.00%
Asset-backed securities | Minimum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	4.60%
Cumulative prepayment rate	0.00%
Cumulative default	1.60%
Loss given default	85.00%
Cure given deferral	0.00%
Asset-backed securities | Weighted Average | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Discount rate	6.20%
Cumulative prepayment rate	9.60%
Cumulative default	11.10%
Loss given default	96.60%
Cure given deferral	36.80%
Automobile Loan | Maximum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	154.20%
Discount rate	5.00%
Life of pool cumulative losses	2.10%
Automobile Loan | Minimum | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	154.20%
Discount rate	0.20%
Life of pool cumulative losses	2.10%
Automobile Loan | Weighted Average | Discounted cash flow | Level 3
Quantitative information about level 3 fair value measurements
Constant prepayment rate	154.20%
Discount rate	2.30%
Life of pool cumulative losses	2.10%
Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	$ 17,585	22,786
Available-for-sale and other securities	8,442,655	9,053,111
Automobile loans	1,748	10,590
Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	17,585	22,786
Derivative assets gross	6,721	4,064
Gross amounts of recognized liabilities	665	704
Available-for-sale and other securities	2,195,888	1,530,795
Automobile loans	1,748	$ 10,590
Nonrecurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Impaired loans	62,029
Other real estate owned	$ 27,342

FAIR VALUES OF ASSETS AND LI140

FAIR VALUES OF ASSETS AND LIABILITIES FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Financial Assets:
Trading account securities		$ 36,997	$ 42,191
Loans held for sale	[1]	474,621	416,327
Available-for-sale and other securities		8,775,441	9,384,670
Held-to-maturity securities		6,159,590	3,379,905
Net loans and leases		49,743,256	47,050,530
Financial Liabilities:
Deposits		55,294,979	51,732,151
Short-term borrowings		615,279	2,397,101
Long-term borrowings		7,067,614	4,335,962
Carrying Amount
Financial Assets:
Cash and short term assets		898,994	1,285,124
Trading account securities		36,997	42,191
Loans held for sale		474,621	416,327
Available-for-sale and other securities		8,775,441	9,384,670
Held-to-maturity securities		6,159,590	3,379,905
Net loans and leases		49,743,256	47,050,530
Derivatives		274,872	352,642
Financial Liabilities:
Deposits		55,294,979	51,732,151
Short-term borrowings		615,279	2,397,101
Long-term borrowings		7,067,614	4,335,962
Derivatives		144,350	284,255
Fair Value
Financial Assets:
Cash and short term assets		898,994	1,285,124
Trading account securities		36,997	42,191
Loans held for sale		484,511	416,327
Available-for-sale and other securities		8,775,441	9,384,670
Held-to-maturity securities		6,135,458	3,382,715
Net loans and leases		48,024,998	45,110,406
Derivatives		274,872	352,642
Financial Liabilities:
Deposits		55,299,435	52,454,804
Short-term borrowings		615,279	2,397,101
Long-term borrowings		7,043,014	4,286,304
Derivatives		144,350	284,255
Level 1 | Fair Value
Financial Assets:
Held-to-maturity securities		0	0
Net loans and leases		0	0
Financial Liabilities:
Deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Level 2 | Fair Value
Financial Assets:
Held-to-maturity securities		6,135,458	3,382,715
Net loans and leases		0	0
Financial Liabilities:
Deposits		51,869,105	48,183,798
Short-term borrowings		1,770	0
Long-term borrowings		0	0
Level 3 | Fair Value
Financial Assets:
Held-to-maturity securities		0	0
Net loans and leases		48,024,998	45,110,406
Financial Liabilities:
Deposits		3,430,330	4,271,006
Short-term borrowings		613,509	2,397,101
Long-term borrowings		$ 7,043,014	$ 4,286,304
[1]	Amounts represent loans for which Huntington has elected the fair value option.

DERIVATIVE FINANCIAL INSTRUM141

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Derivative [Line Items]
Total notional value	$ 14,152,100,000	$ 600,000,000
Fair Value Hedges
Derivative [Line Items]
Total notional value	5,929,100,000
Cash Flow Hedges
Derivative [Line Items]
Total notional value	8,223,000,000
Loans
Derivative [Line Items]
Total notional value	8,223,000,000
Loans | Fair Value Hedges
Derivative [Line Items]
Total notional value	0
Loans | Cash Flow Hedges
Derivative [Line Items]
Total notional value	8,223,000,000
Deposits
Derivative [Line Items]
Total notional value	69,100,000
Deposits | Fair Value Hedges
Derivative [Line Items]
Total notional value	69,100,000
Deposits | Cash Flow Hedges
Derivative [Line Items]
Total notional value	0
Subordinated notes
Derivative [Line Items]
Total notional value	475,000,000
Subordinated notes | Fair Value Hedges
Derivative [Line Items]
Total notional value	475,000,000
Subordinated notes | Cash Flow Hedges
Derivative [Line Items]
Total notional value	0
Other long-term debt
Derivative [Line Items]
Total notional value	5,385,000,000
Other long-term debt | Fair Value Hedges
Derivative [Line Items]
Total notional value	5,385,000,000
Other long-term debt | Cash Flow Hedges
Derivative [Line Items]
Total notional value	$ 0

DERIVATIVE FINANCIAL INSTRUM142

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details)	12 Months Ended
	Dec. 31, 2015USD ($)
Derivative [Line Items]
Notional Value	$ 14,152,100,000
Average Maturity (years)	1 year 9 months
Fair Value	$ 65,298,000
Weighted-Average Rate Receive	1.13%
Weighted-Average Rate Pay	0.42%
Asset conversion swaps - Receive Fixed - Generic
Derivative [Line Items]
Notional Value	$ 8,223,000,000
Average Maturity (years)	1 year 1 month 4 days
Fair Value	$ (3,103,000)
Weighted-Average Rate Receive	0.83%
Weighted-Average Rate Pay	0.43%
Liability conversion swaps Receive Fixed Generic
Derivative [Line Items]
Notional Value	$ 5,929,100,000
Average Maturity (years)	2 years 7 months 29 days
Fair Value	$ 68,401,000
Weighted-Average Rate Receive	1.55%
Weighted-Average Rate Pay	0.40%

DERIVATIVE FINANCIAL INSTRUM143

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	$ 80,513	$ 53,114
Interest rate contracts not designated as hedging instruments	190,846	183,610
Foreign exchange contracts not designated as hedging instruments	37,727	32,798
Commodities contracts not designated as hedging instruments	117,894	180,218
Total derivative assets	426,980	449,740
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	15,215	12,648
Interest rate contracts not designated as hedging instruments	121,815	110,627
Foreign exchange contracts not designated as hedging instruments	35,283	29,754
Commodities contracts not designated as hedging instruments	114,887	179,180
Total derivative liabilities	$ 287,200	$ 332,209

DERIVATIVE FINANCIAL INSTRUM144

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain or (loss) recognized in OCI on derivatives (effective portion)		$ 8,428	$ 9,192	$ (56,056)
Amount of (gain) or loss reclassified from accumulated OCI into earnings (effective portion) (pre-tax)		(220)	(3,971)	(15,188)
Deposits | Interest expense deposits
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		(996)	(1,045)	(4,006)
Hedged deposits | Interest expense deposits
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		992	1,025	4,003
Subordinated notes | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		(8,237)	476	(44,699)
Hedged subordinated notes | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		8,237	(476)	44,699
Other long-term debt | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		3,903	1,990	(5,716)
Hedged Other long term debt | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges		(3,602)	$ 828	6,843
Loans | Interest and fee income—loans and leases | Cash Flow Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain or (loss) recognized in OCI on derivatives (effective portion)	$ 9,192	8,428		(56,056)
Amount of (gain) or loss reclassified from accumulated OCI into earnings (effective portion) (pre-tax)	(4,064)	(210)		(14,979)
Loans | Noninterest income - other income | Cash Flow Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain or (loss) recognized in OCI on derivatives (effective portion)	0	0		0
Amount of (gain) or loss reclassified from accumulated OCI into earnings (effective portion) (pre-tax)	$ 93	$ (10)		$ (209)

DERIVATIVE FINANCIAL INSTRUM145

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Gains and (losses) recognized in noninterest income on the ineffective portion on interest rate contracts for derivatives designated as cash flow hedges	$ (763)	$ 74	$ 878

DERIVATIVE FINANCIAL INSTRUM146

DERIVATIVE FINANCIAL INSTRUMENTS - Mortgage Banking Activities (Details) - Derivative used in Mortgage Banking Activities - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Derivative assets:
Derivative assets gross	$ 9,189	$ 4,099
Derivative liabilities:
Total derivative liabilities	(1,459)	(4,019)
Net derivative asset	7,730	80
Interest rate lock agreements
Derivative assets:
Derivative assets gross	6,721	4,064
Derivative liabilities:
Total derivative liabilities	(220)	(259)
Forward trades and options
Derivative assets:
Derivative assets gross	2,468	35
Derivative liabilities:
Total derivative liabilities	$ (1,239)	$ (3,760)

DERIVATIVE FINANCIAL INSTRUM147

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Derivative Asset [Abstract]
Gross amounts offset in the consolidated balance sheets	$ (161,297)	$ (101,197)
Deriviative Contract
Derivative Asset [Abstract]
Gross amounts of recognized assets	436,169	480,803
Gross amounts offset in the consolidated balance sheets	(161,297)	(128,161)
Net amounts of assets presented in the consolidated balance sheets	274,872	352,642
Derivative Asset, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the statement of financial position - financial instruments	(39,305)	(27,744)
Gross amounts not offset in the statement of financial position - cash collateral received	(3,462)	(1,095)
Net amount	$ 232,105	$ 323,803

DERIVATIVE FINANCIAL INSTRUM148

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Derivative Liability [Abstract]
Gross amounts offset in the consolidated balance sheets	$ (144,309)	$ (51,973)
Deriviative Contract
Derivative Liability [Abstract]
Gross amounts of recognized liabilities	288,659	363,192
Gross amounts offset in the consolidated balance sheets	(144,309)	(78,937)
Net amounts of assets presented in the consolidated balance sheets	144,350	284,255
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the consolidated balance sheets, financial instruments	(62,460)	(78,654)
Gross amounts not offset in the consolidated balance sheets, cash collateral received	(20)	(111)
Net amount	$ 81,870	$ 205,490

DERIVATIVE FINANCIAL INSTRUM149

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Derivative [Line Items]
Increase (decrease) to net interest income due to derivative adjustment	$ 108,000,000	$ 98,000,000	$ 95,000,000
Expected after-tax unrealized gains on cash flow hedging derivatives reclassified to earnings	3,000,000
Purchase of interest rate caps and derivative financial instruments, notional value	14,152,100,000	600,000,000
Notional amount corresponds to trading liabilities, fair value	1,000,000
Total notional amount corresponds to trading assets, fair value (less than)	1,000,000
Credit risks from interest rate swaps used for trading purposes	224,000,000	219,000,000
Credit risk derivative fair value	6,000,000	7,000,000
Aggregate credit risk, net of collateral	15,000,000	20,000,000
Investment securities and cash collateral pledged by Huntington	110,000,000
Investment securities and cash collateral pledged to Huntington	107,000,000
Swap
Derivative [Line Items]
Gross amounts of recognized liabilities (less than)	1,000,000
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	76,000,000	74,000,000
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	14,600,000,000	14,400,000,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Gross amounts of recognized liabilities (less than)	1,459,000	4,019,000
Purchase of interest rate caps and derivative financial instruments, notional value	500,000,000
Gains (losses) related to derivative instruments Included in total MSR	(2,000,000)	7,000,000	$ (25,000,000)
Net derivative asset (liability)	7,730,000	80,000
Other Credit Derivatives
Derivative [Line Items]
Derivative asset notional amount	$ 344,000,000	$ 457,000,000

VIEs - Narrative (Details)

VIEs - Narrative (Details) $ in Millions	3 Months Ended					12 Months Ended
	Jun. 30, 2015USD ($)	Mar. 31, 2015securitization	Dec. 31, 2012USD ($)	Mar. 31, 2012USD ($)	Sep. 30, 2011USD ($)	Dec. 31, 2015securitization	Dec. 31, 2013USD ($)	Dec. 31, 2010USD ($)
Variable Interest Entity [Line Items]
Total of automobile loans transferred In securitization transaction	$ 800		$ 1,000	$ 1,300	$ 1,000
Maximum year to defer payment of interest on Debenture						5 years
Tower Hill Securities, Inc.
Variable Interest Entity [Line Items]
Transfers of financial assets accounted for as secured financing, municipal securities								$ 92
Transfers of financial assets accounted for as secured financing, preferred stock								86
Transfers of financial assets accounted for as secured financing, cash								6
Received financial assets accounted for as secured financing, common and preferred stock								$ 184
Low Income Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Gain on sale of investments							$ 9
Macquarie Equipment Finance
Variable Interest Entity [Line Items]
Number of securitizations | securitization		2				2

VIEs - Consolidated VIEs (Detai

VIEs - Consolidated VIEs (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets:
Cash	$ 847,156	$ 1,220,565
Net loans and leases	49,743,256	47,050,530
Accrued income and other assets	1,845,597	1,807,208
Total assets	71,044,551	66,298,010
Liabilities
Long-term debt	7,067,614	4,335,962
Accrued interest and other liabilities	1,472,073	1,504,626
Total liabilities	64,449,945	59,969,840
Equity:
Total liabilities and shareholders’ equity	71,044,551	66,298,010
Macquarie Equipment Funding Trust Series 2012A
Assets:
Cash	1,377
Net loans and leases	32,180
Accrued income and other assets	0
Total assets	33,557
Liabilities
Long-term debt	27,153
Accrued interest and other liabilities	0
Total liabilities	27,153
Equity:
Beneficial Interest owned by third party	6,404
Total liabilities and shareholders’ equity	33,557
Macquarie Equipment Funding Trust Series 2014A
Assets:
Cash	1,561
Net loans and leases	152,331
Accrued income and other assets	0
Total assets	153,892
Liabilities
Long-term debt	123,577
Accrued interest and other liabilities	0
Total liabilities	123,577
Equity:
Beneficial Interest owned by third party	30,315
Total liabilities and shareholders’ equity	153,892
Franklin 2009 Trust
Assets:
Cash	0	0
Net loans and leases	0	0
Accrued income and other assets	229	243
Total assets	229	243
Liabilities
Long-term debt	0	0
Accrued interest and other liabilities	229	243
Total liabilities	229	243
Equity:
Beneficial Interest owned by third party	0	0
Total liabilities and shareholders’ equity	229	243
Trusts
Assets:
Cash	2,938	0
Net loans and leases	184,511	0
Accrued income and other assets	229	243
Total assets	187,678	243
Liabilities
Long-term debt	150,730	0
Accrued interest and other liabilities	229	243
Total liabilities	150,959	243
Equity:
Beneficial Interest owned by third party	36,719	0
Total liabilities and shareholders’ equity	$ 187,678	$ 243

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Total Assets	$ 516,725	$ 527,513
Total Liabilities	538,869	557,696
Maximum Exposure to Loss	502,806	513,594
2015-1 Automobile Trust
Variable Interest Entity [Line Items]
Total Assets	7,695
Total Liabilities	0
Maximum Exposure to Loss	7,695
2012-1 Automobile Trust
Variable Interest Entity [Line Items]
Total Assets	94	2,136
Total Liabilities	0	0
Maximum Exposure to Loss	94	2,136
2012-2 Automobile Trust
Variable Interest Entity [Line Items]
Total Assets	771	3,220
Total Liabilities	0	0
Maximum Exposure to Loss	771	3,220
2011 Automobile Trust
Variable Interest Entity [Line Items]
Total Assets		944
Total Liabilities		0
Maximum Exposure to Loss		944
Tower Hill Securities, Inc.
Variable Interest Entity [Line Items]
Total Assets		55,611
Total Liabilities		65,000
Maximum Exposure to Loss		55,611
Trust Preferred Securities
Variable Interest Entity [Line Items]
Total Assets	13,919	13,919
Total Liabilities	317,106	317,075
Maximum Exposure to Loss	0	0
Low Income Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Total Assets	425,500	368,283
Total Liabilities	196,001	154,861
Maximum Exposure to Loss	425,500	368,283
Other Investments
Variable Interest Entity [Line Items]
Total Assets	68,746	83,400
Total Liabilities	25,762	20,760
Maximum Exposure to Loss	$ 68,746	$ 83,400

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	$ 7,021,701
Huntington Capital I
Variable Interest Entity [Line Items]
Rate	1.03%
Principal amount of subordinated note/ debenture issued to trust	$ 111,816
Investment in unconsolidated subsidiary	$ 6,186
Huntington Capital I | Three-month LIBOR
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.70%
Huntington Capital II
Variable Interest Entity [Line Items]
Rate	1.14%
Principal amount of subordinated note/ debenture issued to trust	$ 54,593
Investment in unconsolidated subsidiary	$ 3,093
Huntington Capital II | Three-month LIBOR
Variable Interest Entity [Line Items]
Basis spread on variable rate	62.50%
Sky Financial Capital Trust III
Variable Interest Entity [Line Items]
Rate	2.01%
Principal amount of subordinated note/ debenture issued to trust	$ 72,165
Investment in unconsolidated subsidiary	$ 2,165
Sky Financial Capital Trust III | Three-month LIBOR
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust IV
Variable Interest Entity [Line Items]
Rate	1.73%
Principal amount of subordinated note/ debenture issued to trust	$ 74,320
Investment in unconsolidated subsidiary	$ 2,320
Sky Financial Capital Trust IV | Three-month LIBOR
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.33%
Camco Financial Trust
Variable Interest Entity [Line Items]
Rate	2.95%
Principal amount of subordinated note/ debenture issued to trust	$ 4,212
Investment in unconsolidated subsidiary	155
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	317,106
Investment in unconsolidated subsidiary	$ 13,919

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Low Income Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 674,157	$ 576,381
Less: amortization	(248,657)	(208,098)
Net affordable housing tax credit investments	425,500	368,283
Unfunded commitments	196,001	154,861
Tax credits and other tax benefits recognized	59,614	51,317	$ 55,819
Proportional Amortization Method
Variable Interest Entity [Line Items]
Tax credit amortization expense included in provision for income taxes	42,951	39,021	32,789
Proportional amortization method
Tax credit amortization expense included in provision for income taxes	42,951	39,021	32,789
Equity Method
Equity method
Tax credit investment losses included in noninterest income	$ 355	$ 434	$ 1,176

COMMITMENTS AND CONTINGENT L155

COMMITMENTS AND CONTINGENT LIABILITIES COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commercial
Guarantor Obligations [Line Items]
Contract amount represents credit risk	$ 11,448,927	$ 11,181,522
Consumer
Guarantor Obligations [Line Items]
Contract amount represents credit risk	8,574,093	7,579,632
Commercial real estate
Guarantor Obligations [Line Items]
Contract amount represents credit risk	813,271	908,112
Standby letters of credit
Guarantor Obligations [Line Items]
Contract amount represents credit risk	512,000	$ 497,457
Commercial letters-of-credit
Guarantor Obligations [Line Items]
Contract amount represents credit risk	$ 56,000

COMMITMENTS AND CONTINGENT L156

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details)	Jan. 17, 2012county	Sep. 30, 2015USD ($)	Dec. 31, 2015USD ($)lawsuit	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Sep. 28, 2015USD ($)	Jul. 27, 2012USD ($)	Jan. 19, 2007USD ($)	Dec. 08, 2006USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Aggregate range of reasonably possible losses current legal proceedings, minimum			$ 0
Aggregate range of reasonably possible losses current legal proceedings, maximum			80,000,000
Operating lease, future minimum payments due:
2,016			53,000,000
2,017			49,000,000
2,018			46,000,000
2,019			42,000,000
2,020			41,000,000
Thereafter			191,000,000
Future minimum sublease rental payments:
Operating leases, future minimum payments due, future minimum sublease rentals, total			11,000,000
2,016			4,000,000
2,017			2,000,000
2,018			2,000,000
2,019			1,000,000
2,020			1,000,000
Thereafter			1,000,000
Total rental expense for all operating leases			58,000,000	$ 57,000,000	$ 55,000,000
Commercial letters-of-credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk			$ 56,000,000
Maturity period of guarantee			90 days
Commitments to Sell Loans
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to sell residential real estate loans			$ 659,000,000	545,000,000
Maturity period of forward contracts relating mortgage banking business (less than)			1 year
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk			$ 512,000,000	497,457,000
Maturity period of guarantee			2 years
Outstanding standby letters of credit			$ 7,000,000	$ 4,000,000
Percentage of outstanding standby letters of credit collateralized			80.00%
Cyberco Litigation
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Number of lawsuits | lawsuit			2
Bankruptcy trustee alleging for amount (over)									$ 70,000,000
Preferential transfer alleged by bankruptcy trustee									$ 1,000,000
Fraudulent transfers alleged by bankruptcy trustee								$ 73,000,000
Bankruptcy Court recommended judgment amount in Cyberco case, principle						$ 72,000,000	$ 72,000,000
Bankruptcy Court recommended judgment amount in Cyberco case, interest							$ 9,000,000
Loss contingency accrual, period increase		$ 38,000,000
MERSCORP Litigation
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Number of counties | county	88
Risk Level, Low
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk			$ 186,000,000
Risk Level, Medium
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk			326,000,000
Risk Level, High (less than $1 million)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk			$ 1,000,000

OTHER REGULATORY MATTERS (Detai

OTHER REGULATORY MATTERS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier one risk based capital required for capital adequacy to risk weighted assets	4.50%
Tier 1 common equity to risk weighted assets ratio	9.79%
Tier 1 common equity amount	$ 5,721,028
Tier 1 risk based capital required to be well capitalized to risk weighted assets	6.00%
Tier 1 risk based capital required for capital adequacy to risk weighted assets	6.00%
Tier 1 capital ratio	10.53%	11.50%
Tier 1 capital amount	$ 6,154,000	$ 6,265,900
Capital required to be well capitalized to risk weighted assets	10.00%
Capital required for capital adequacy to risk weighted assets	8.00%
Risk based capital ratio	12.64%	13.56%
Risk based capital amount	$ 7,386,936	$ 7,388,336
Tier 1 leverage capital required for capital adequacy to average assets	4.00%
Tier 1 leverage ratio	8.79%	9.74%
Tier 1 leverage amount	$ 6,154,000	$ 6,265,900
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier one risked based capital required to be well capitalized to risk weighted assets	6.50%
Common equity tier one risk based capital required for capital adequacy to risk weighted assets	4.50%
Tier 1 common equity to risk weighted assets ratio	9.46%
Tier 1 common equity amount	$ 5,518,748
Tier 1 risk based capital required to be well capitalized to risk weighted assets	8.00%
Tier 1 risk based capital required for capital adequacy to risk weighted assets	6.00%
Tier 1 capital ratio	9.83%	11.28%
Tier 1 capital amount	$ 5,735,274	$ 6,136,190
Capital required to be well capitalized to risk weighted assets	10.00%
Capital required for capital adequacy to risk weighted assets	8.00%
Risk based capital ratio	11.74%	12.79%
Risk based capital amount	$ 6,850,596	$ 6,956,242
Tier 1 leverage capital required to be well capitalized to average assets	5.00%
Tier 1 leverage capital required for capital adequacy to average assets	4.00%
Tier 1 leverage ratio	8.21%	9.56%
Tier 1 leverage amount	$ 5,735,274	$ 6,136,190

OTHER REGULATORY MATTERS - Narr

OTHER REGULATORY MATTERS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Banking and Thrift [Abstract]
Average required reserve balance on deposits	$ 500	$ 200
Amount bank could lend to single affiliate	678
Cash dividends paid to the holding company	822
Amount available for dividend payments to the parent company without regulatory approval	$ 179

PARENT COMPANY FINANCIAL STA159

PARENT COMPANY FINANCIAL STATEMENTS - Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Assets
Cash and cash equivalents	$ 847,156	$ 1,220,565	$ 1,001,132	$ 1,262,806
Accrued interest receivable and other assets	1,845,597	1,807,208
Total assets	71,044,551	66,298,010
Liabilities and shareholders’ equity
Long-term borrowings	7,067,614	4,335,962
Accrued expenses and other liabilities	1,472,073	1,504,626
Total liabilities	64,449,945	59,969,840
Shareholders’ equity	6,594,606	6,328,170	6,090,153	5,778,500
Total liabilities and shareholders’ equity	71,044,551	66,298,010
Parent Company
Assets
Cash and cash equivalents	917,368	662,768	$ 966,065	$ 921,471
Due from The Huntington National Bank	406,253	276,851
Due from non-bank subsidiaries	48,151	51,129
Investment in The Huntington National Bank	5,966,783	6,073,408
Investment in non-bank subsidiaries	489,205	509,114
Accrued interest receivable and other assets	192,444	279,366
Total assets	8,020,204	7,852,636
Liabilities and shareholders’ equity
Long-term borrowings	1,045,835	1,046,104
Accrued expenses and other liabilities	379,763	478,361
Total liabilities	1,425,598	1,524,465
Shareholders’ equity	6,594,606	6,328,170
Total liabilities and shareholders’ equity	$ 8,020,204	$ 7,852,635

PARENT COMPANY FINANCIAL STA160

PARENT COMPANY FINANCIAL STATEMENTS - Income Statement (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest from
Other income									$ 132,714	$ 126,004	$ 138,825
Expense
Personnel costs									1,122,182	1,048,775	1,001,637
Other									200,555	174,810	141,385
Total noninterest expense	$ 498,766	$ 526,508	$ 491,777	$ 458,857	$ 483,271	$ 480,318	$ 458,636	$ 460,121	1,975,908	1,882,346	1,758,003
Income before income taxes	233,892	199,590	260,263	219,860	220,765	208,886	222,094	201,240	913,605	852,985	868,756
Provision (benefit) for income taxes	55,583	47,002	64,057	54,006	57,151	53,870	57,475	52,097	220,648	220,593	227,474
Increase (decrease) in undistributed net income (loss) of:
Net income	$ 178,309	$ 152,588	$ 196,206	$ 165,854	$ 163,614	$ 155,016	$ 164,619	$ 149,143	692,957	632,392	641,282
Other comprehensive income (loss)									(3,866)	(8,283)
Parent Company
Dividends from
The Huntington National Bank									822,000	244,000	0
Non-bank subsidiaries									38,883	27,773	55,473
Interest from
The Huntington National Bank									5,954	3,906	6,598
Non-bank subsidiaries									2,317	2,613	3,129
Other income									4,529	2,994	2,148
Total income									873,683	281,286	67,348
Expense
Personnel costs									4,770	53,359	52,846
Interest on borrowings									17,428	17,031	20,739
Other									92,735	52,662	36,728
Total noninterest expense									114,933	123,052	110,313
Income before income taxes									758,750	158,234	(42,965)
Provision (benefit) for income taxes									(109,867)	(62,897)	(22,298)
Income (loss) before equity in undistributed net income of subsidiaries									868,617	221,131	(20,667)
Increase (decrease) in undistributed net income (loss) of:
The Huntington National Bank									(160,567)	414,049	692,392
Non-bank subsidiaries									(15,093)	(2,788)	(30,443)
Net income									692,957	632,392	641,282
Other comprehensive income (loss)									(3,866)	(8,283)	(63,192)
Comprehensive income									$ 689,091	$ 624,109	$ 578,090

PARENT COMPANY FINANCIAL STA161

PARENT COMPANY FINANCIAL STATEMENTS - Cash Flow Statement (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating activities
Net income	$ 178,309	$ 152,588	$ 196,206	$ 165,854	$ 163,614	$ 155,016	$ 164,619	$ 149,143	$ 692,957	$ 632,392	$ 641,282
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization									341,281	332,832	281,545
Loss on sales of securities available-for-sale									(3,184)	(17,554)	(2,220)
Net cash provided by (used for) operating activities									1,033,362	888,786	1,013,245
Investing activities
Sales of available-for-sale securities									163,224	1,152,907	410,106
Cash paid for acquisitions, net of cash received									(457,836)	691,637	0
Net cash provided by (used for) investing activities									(4,928,654)	(5,004,781)	(4,240,333)
Financing activities
Proceeds from issuance of long-term borrowings									3,232,227	2,000,000	1,250,000
Payment of borrowings									(1,818,947)	118,698	854,558
Net proceeds from issuance of common stock									0	2,597	0
Repurchase of common stock									(251,844)	(334,429)	(124,995)
Other, net									5,583	4,635	(225)
Net cash provided by (used for) financing activities									3,521,883	4,335,428	2,965,414
Increase (decrease) in cash and cash equivalents									(373,409)	219,433	(261,674)
Cash and cash equivalents at beginning of period				1,220,565				1,001,132	1,220,565	1,001,132	1,262,806
Cash and cash equivalents at end of period	847,156				1,220,565				847,156	1,220,565	1,001,132
Supplemental disclosures:
Interest paid									150,403	131,488	155,832
Parent Company
Operating activities
Net income									692,957	632,392	641,282
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries									175,660	(411,261)	(718,144)
Depreciation and amortization									609	548	513
Loss on sales of securities available-for-sale									540	0	0
Other, net									(44,197)	26,685	15,965
Net cash provided by (used for) operating activities									825,569	248,364	(60,384)
Investing activities
Repayments from subsidiaries									494,905	9,250	285,792
Advances to subsidiaries									(612,610)	(32,350)	(249,050)
Sales of available-for-sale securities									449	0	0
Cash paid for acquisitions, net of cash received									0	(13,452)	0
Proceeds from business divestitures									9,029	0	0
Net cash provided by (used for) investing activities									(108,227)	(36,552)	36,742
Financing activities
Proceeds from issuance of long-term borrowings									0	0	400,000
Payment of borrowings									0	0	(50,000)
Dividends paid on stock									(224,390)	(198,789)	(182,476)
Net proceeds from issuance of common stock									0	2,597	0
Repurchase of common stock									(251,844)	(334,429)	(124,995)
Other, net									13,492	15,512	25,707
Net cash provided by (used for) financing activities									(462,742)	(515,109)	68,236
Increase (decrease) in cash and cash equivalents									254,600	(303,297)	44,594
Cash and cash equivalents at beginning of period				$ 662,768				$ 966,065	662,768	966,065	921,471
Cash and cash equivalents at end of period	$ 917,368				$ 662,768				917,368	662,768	966,065
Supplemental disclosures:
Interest paid									$ 17,384	$ 21,321	$ 20,739

BUSINESS COMBINATIONS (Details)

BUSINESS COMBINATIONS (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill		$ 676,869	$ 522,541	$ 444,268
Macquarie Equipment Finance
Business Acquisition [Line Items]
Payments to acquire business	$ 458,000
Assets acquired	1,100,000
Liabilities assumed	617,000
Goodwill	$ 156,000

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2014USD ($)	Mar. 31, 2014USD ($)	Dec. 31, 2015USD ($)segments	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Segment Reporting [Abstract]
Number of reporting segments | segments									5
Segment Reporting Information [Line Items]
Net interest income	$ 496,911	$ 495,455	$ 490,686	$ 467,685	$ 473,252	$ 466,335	$ 460,048	$ 437,506	$ 1,950,737	$ 1,837,141	$ 1,704,608
Provision for credit losses	36,468	22,476	20,419	20,591	2,494	24,480	29,385	24,630	99,954	80,989	90,045
Noninterest income	272,215	253,119	281,773	231,623	233,278	247,349	250,067	248,485	1,038,730	979,179	1,012,196
Noninterest expense	498,766	526,508	491,777	458,857	483,271	480,318	458,636	460,121	1,975,908	1,882,346	1,758,003
Provision (benefit) for income taxes	55,583	47,002	64,057	54,006	57,151	53,870	57,475	52,097	220,648	220,593	227,474
Net income	178,309	$ 152,588	$ 196,206	$ 165,854	163,614	$ 155,016	$ 164,619	$ 149,143	692,957	632,392	641,282
Total assets	71,044,551				66,298,010				71,044,551	66,298,010
Deposits	55,294,979				51,732,151				55,294,979	51,732,151
Operating Segments | Retail & Business Banking
Segment Reporting Information [Line Items]
Net interest income									1,030,238	912,992	902,526
Provision for credit losses									42,828	75,529	137,978
Noninterest income									440,261	409,746	398,065
Noninterest expense									1,029,727	982,288	964,193
Provision (benefit) for income taxes									139,280	92,722	69,447
Net income									258,664	172,199	128,973
Total assets	15,822,568				15,146,857				15,822,568	15,146,857
Deposits	30,875,607				29,350,255				30,875,607	29,350,255
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income									365,181	306,434	281,461
Provision for credit losses									49,460	31,521	27,464
Noninterest income									258,191	209,238	200,573
Noninterest expense									283,448	249,300	254,629
Provision (benefit) for income taxes									101,662	82,198	69,979
Net income									188,802	152,653	129,962
Total assets	16,943,458				15,043,477				16,943,458	15,043,477
Deposits	11,424,778				11,184,566				11,424,778	11,184,566
Operating Segments | AFCRE
Segment Reporting Information [Line Items]
Net interest income									381,189	379,363	366,508
Provision for credit losses									4,931	(52,843)	(82,269)
Noninterest income									29,257	26,628	46,819
Noninterest expense									152,010	156,715	156,469
Provision (benefit) for income taxes									88,727	105,742	118,694
Net income									164,778	196,377	220,433
Total assets	17,855,600				16,027,910				17,855,600	16,027,910
Deposits	1,651,702				1,377,921				1,651,702	1,377,921
Operating Segments | RBHPCG
Segment Reporting Information [Line Items]
Net interest income									115,608	101,839	105,862
Provision for credit losses									65	4,893	(5,376)
Noninterest income									153,160	173,550	186,430
Noninterest expense									254,380	236,634	236,895
Provision (benefit) for income taxes									5,013	11,852	21,271
Net income									9,310	22,010	39,502
Total assets	3,458,847				3,871,020				3,458,847	3,871,020
Deposits	7,690,581				6,727,892				7,690,581	6,727,892
Operating Segments | Home Lending
Segment Reporting Information [Line Items]
Net interest income									65,884	58,015	51,839
Provision for credit losses									2,670	21,889	12,249
Noninterest income									87,021	69,899	106,006
Noninterest expense									157,266	136,374	141,489
Provision (benefit) for income taxes									(2,461)	(10,622)	1,437
Net income									(4,570)	(19,727)	2,670
Total assets	3,917,198				3,949,247				3,917,198	3,949,247
Deposits	361,881				326,841				361,881	326,841
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income									(7,363)	78,498	(3,588)
Provision for credit losses									0	0	(1)
Noninterest income									70,840	90,118	74,303
Noninterest expense									99,077	121,035	4,328
Provision (benefit) for income taxes									(111,573)	(61,299)	(53,354)
Net income									75,973	108,880	$ 119,742
Total assets	13,046,880				12,259,499				13,046,880	12,259,499
Deposits	$ 3,290,430				$ 2,764,676				$ 3,290,430	$ 2,764,676

QUARTERLY RESULTS OF OPERATI164

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								9 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 544,153	$ 538,477	$ 529,795	$ 502,096	$ 507,625	$ 501,060	$ 495,322	$ 472,455		$ 2,114,521	$ 1,976,462	$ 1,860,637
Interest expense	47,242	43,022	39,109	34,411	34,373	34,725	35,274	34,949		163,784	139,321	156,029
Net interest income	496,911	495,455	490,686	467,685	473,252	466,335	460,048	437,506		1,950,737	1,837,141	1,704,608
Provision for credit losses	36,468	22,476	20,419	20,591	2,494	24,480	29,385	24,630		99,954	80,989	90,045
Noninterest income	272,215	253,119	281,773	231,623	233,278	247,349	250,067	248,485		1,038,730	979,179	1,012,196
Noninterest expense	498,766	526,508	491,777	458,857	483,271	480,318	458,636	460,121		1,975,908	1,882,346	1,758,003
Income before income taxes	233,892	199,590	260,263	219,860	220,765	208,886	222,094	201,240		913,605	852,985	868,756
Provision for income taxes	55,583	47,002	64,057	54,006	57,151	53,870	57,475	52,097		220,648	220,593	227,474
Net income	178,309	152,588	196,206	165,854	163,614	155,016	164,619	149,143		692,957	632,392	641,282
Dividends on preferred shares	7,972	7,968	7,968	7,965	7,963	7,964	7,963	7,964		31,873	31,854	31,869
Net income available to common shareholders	$ 170,337	$ 144,620	$ 188,238	$ 157,889	$ 155,651	$ 147,052	$ 156,656	$ 141,179	$ 600,538	$ 661,084	$ 600,538	$ 609,413
Basic earnings per common share (in USD per share)	$ 0.21	$ 0.18	$ 0.23	$ 0.19	$ 0.19	$ 0.18	$ 0.19	$ 0.17	$ 0.73	$ 0.82	$ 0.73	$ 0.73
Diluted earnings per common share (in USD per share)	$ 0.21	$ 0.18	$ 0.23	$ 0.19	$ 0.19	$ 0.18	$ 0.19	$ 0.17	$ 0.72	$ 0.81	$ 0.72	$ 0.72

SUBSEQUENT EVENTS SUBSEQUENT EV

SUBSEQUENT EVENTS SUBSEQUENT EVENTS (Details) - Subsequent Event - Scenario, Forecast - FirstMerit Bank $ / shares in Units, $ in Billions	3 Months Ended
	Sep. 30, 2016USD ($)$ / shares
Business Combination, Separately Recognized Transactions [Line Items]
Stock and cash value of merger	$ 3.4
Assets acquired	$ 25.5
Consideration transfered (in shares per share)	1.72
Cash transfered (in USD per share) | $ / shares	$ 5