Free signup for more
- Track your favorite companies
- Receive email alerts for new filings
- Personalized dashboard of news and more
- Access all data and search results
Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. freshman Avg
|
New words:
accuracy, AFCRE, affidavit, aggressive, ago, Agriculture, ALCO, alert, Ann, appetite, auditor, await, bad, begun, Beige, bid, bring, budget, carryforward, cautiously, CFPB, clawback, cohesive, collaborate, colleague, Comm, commensurately, concerted, concession, confirming, convenience, converging, correspondingly, Crane, decade, deepen, defense, deflation, desired, devoted, directionally, disaster, dispose, distort, dotted, Eagle, easily, Elliott, emanating, England, expend, explain, extraordinary, feature, felt, FHA, fit, flood, Foremost, forgive, foundation, friendly, Giant, Gracetm, grocery, HCER, Hill, hinder, hindered, household, Importantly, improbable, indemnify, insensitive, intelligence, interagency, interchange, investigate, investigating, investigation, IRC, Isaac, job, Justice, lagged, leadership, lost, mail, main, mandated, manifested, median, merit, metric, metropolitan, MM, mobile, modestly, monetization, motion, MSA, myriad, nationwide, negligible, neutral, newer, nonaffiliated, nonagency, nonbank, nonconformance, nondepository, noninvestment, nonmarketable, nonmortgage, nonowner, nonpublic, nontraditional, notified, NSF, numerator, OCR, OD, OLEM, optimistic, output, overdrew, overhaul, philosophy, Play, power, presence, proceed, proceeding, pronounced, proposition, qualification, RCSA, redeployment, refuse, Reg, reinstated, reinstatement, relentlessly, renamed, repeal, Representation, resumed, Risksection, robust, rose, Scorecard, serial, session, shortfall, southeast, steel, steep, Steven, stimulate, successfully, suit, suite, survey, tactical, tandem, theCredit, top, Tower, UCS, Uncollectible, undesirable, unevenly, upgrade, upgraded, USDA, VA, verified, vertical, Veteran, virtually, visibility, voluntarily, Warranty, wealth, weather, week, WGH, whistleblower, world, worsening, writedown
Removed:
adjacent, analytical, avoid, back, bill, Charleston, commence, commencement, Comptroller, controllable, Currency, declaring, diversify, doctrine, Easton, explicit, foolproof, Gene, Holland, IA, injection, intense, intensify, IV, Jersey, matter, MRC, Northland, predictable, pressure, pro, promote, put, rata, restrict, simpler, story, successor, systematic, technological, Tennessee, Troy, vote, Youngstown
Filing tables
Filing exhibits
Related press release
HBAN similar filings
Filing view
External links
Exhibit 12.1
Ratio of Earnings to Fixed Charges
Twelve Months Ended December 31, | ||||||||||||||||||||
(dollar amounts in thousands of dollars) | 2010 | 2009 | 2008 | 2007 | 2006 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income (loss) before income taxes | $ | 352,311 | $ | (3,678,183 | ) | $ | (296,008 | ) | $ | 22,643 | $ | 514,061 | ||||||||
Add: Fixed charges, excluding interest on deposits | 102,969 | 155,269 | 351,672 | 431,320 | 345,253 | |||||||||||||||
Earnings available for fixed charges, excluding interest on deposits | 455,280 | (3,522,914 | ) | 55,664 | 453,963 | 859,314 | ||||||||||||||
Add: Interest on deposits | 439,050 | 674,101 | 931,679 | 1,026,388 | 717,167 | |||||||||||||||
Earnings available for fixed charges, including interest on deposits | 894,330 | (2,848,813 | ) | 987,343 | 1,480,351 | 1,576,481 | ||||||||||||||
Fixed Charges: | ||||||||||||||||||||
Interest expense, excluding interest on deposits | 87,537 | 139,754 | 334,952 | 415,063 | 334,175 | |||||||||||||||
Interest factor in net rental expense | 15,432 | 15,515 | 16,720 | 16,257 | 11,078 | |||||||||||||||
Total fixed charges, excluding interest on deposits | 102,969 | 155,269 | 351,672 | 431,320 | 345,253 | |||||||||||||||
Add: Interest on deposits | 439,050 | 674,101 | 931,679 | 1,026,388 | 717,167 | |||||||||||||||
Total fixed charges, including interest on deposits | $ | 542,019 | $ | 829,370 | $ | 1,283,351 | $ | 1,457,708 | $ | 1,062,420 | ||||||||||
Ratio of Earnings to Fixed Charges | ||||||||||||||||||||
Excluding interest on deposits | 4.42 | x | (22.69 | )x | 0.16 | x | 1.05 | x | 2.49 | x | ||||||||||
Including interest on deposits | 1.65 | x | (3.43 | )x | 0.77 | x | 1.02 | x | 1.48 | x |