Huntington Bancshares 10K 2017 Annual report | HBAN Filing

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Legalese
Litigious
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Ratio of Earnings to Fixed Charges and Preferred Stock Dividends	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 and preferred stock dividends	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
Preferred stock dividends	76			65			32			32			32
Total fixed charges, excluding interest on deposits	351			246			132			103			89
Add: Interest on deposits	180			102			82			86			116
Total fixed charges, including interest on deposits	$	531		$	348		$	214		$	189		$	205
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits	4.75		X	4.47		X	7.71		X	9.01		X	10.41		X
Including interest on deposits	3.48		X	3.45		X	5.13		X	5.34		X	5.08		X

Huntington Bancshares (HBAN) 10-K2017 FY Annual report

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