Huntington Bancshares 10K 2017 Annual report | HBAN Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	H.S. freshman Avg

New words: agenda, AML, AOCI, augment, aware, backup, begun, Bulletin, buyout, cent, charitable, clawback, combat, compelling, constraint, costly, cybersecurity, Dec, defrauded, destruction, destructive, disease, disgruntled, disparate, Drug, easing, electrical, email, empowered, entail, entry, espionage, explicit, FCRA, FDIA, FinCEN, flat, formatted, fueled, furnished, gathering, healthy, HMDA, impossible, imprudent, inconsistent, indeterminate, infected, intellectual, intensity, interact, Interagency, Intercept, interchange, interdependence, interruption, interstate, intervention, Jana, Kingdom, license, Litsey, malfeasance, MDA, nationwide, necessity, notification, notified, Obstruct, OFAC, offline, owed, PCAOB, persuading, pertinent, population, possession, prescreening, proceed, procurement, proliferation, promulgated, ransom, ransomware, rebalancing, recordkeeping, recruit, referral, refunded, rendered, replicate, Republican, restated, Restatement, retrieval, revaluation, revalued, routing, SAB, seasonal, seasoning, Sentiment, sequentially, Southern, sovereign, steady, storage, store, stranded, subrogee, sudden, suffer, surcharge, suspected, TCJA, traditionally, transmission, Trump, undergo, undesirable, usable, verification, virtue, wholly, XBRL

Removed: ABS, accessing, advisor, agent, appeal, asserted, automatic, back, breakage, Camco, casualty, centered, Cheap, CMO, Comm, considerable, consolidate, constructed, consultant, count, County, damaging, deal, declined, deferring, degrade, denominator, destroy, differential, directive, disability, disable, disruptive, easily, efficiently, eligibility, eliminate, engineer, evidenced, expressed, FDICIA, Finally, Fitch, forma, gas, gave, Gerlach, Grand, household, HQLA, inconvenience, initiate, initiative, instituted, insurer, intelligence, Isaac, Jr, label, MBS, MM, moved, moving, nationally, noninvestment, observed, oil, optimizing, ordinarily, overhaul, passage, piece, pose, preliminary, prepare, pressure, prevented, pro, quantity, quicker, reading, reallocated, reallocation, reapply, recommendation, remeasured, reorganization, repaying, resiliency, resolve, sabotage, satisfactorily, shorten, shorter, shown, Sky, sponsorship, strict, structural, submission, subordination, subtracting, supersede, survive, sustainability, title, tranche, Truth, uncovered, varying, vigorously, weighting



Ratio of Earnings to Fixed Charges	Twelve Months Ended December 31,
	2017			2016			2015			2014			2013
(dollar amounts in millions)
Earnings:
Income before income taxes	$	1,394		$	920		$	914		$	853		$	869
Add: Fixed charges, excluding interest on deposits	275			181			100			71			57
Earnings available for fixed charges, excluding interest on deposits	1,669			1,101			1,014			924			926
Add: Interest on deposits	180			102			82			86			116
Earnings available for fixed charges, including interest on deposits	$	1,849		$	1,203		$	1,096		$	1,010		$	1,042
Fixed Charges:
Interest expense, excluding interest on deposits	$	251		$	161		$	82		$	53		$	40
Interest factor in net rental expense	24			20			18			18			17
Total fixed charges, excluding interest on deposits	275			181			100			71			57
Add: Interest on deposits	180			102			82			86			116
Total fixed charges, including interest on deposits	$	455		$	283		$	182		$	157		$	173
Ratio of Earnings to Fixed Charges
Excluding interest on deposits	6.07		X	6.07		X	10.17		X	13.07		X	16.23		X
Including interest on deposits	4.06		X	4.25		X	6.03		X	6.43		X	6.01		X

Huntington Bancshares (HBAN) 10-K2017 FY Annual report

Content analysis