Huntington Bancshares (HBAN) 10-K2005 FY Annual report

Filed: 23 Feb 06, 12:00am

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Exhibit 12

Ratio of Earnings to Fixed Charges


	Year Ended December 31,
(in thousands of dollars)	2005		2004		2003		2002		2001

Earnings:
Income before taxes	$	543,574	$	552,666	$	523,987	$	522,705	$	95,477

Add: Fixed charges, excluding interest on deposits		243,239		191,648		179,903		169,788		299,872

Earnings available for fixed charges, excluding interest on deposits		786,813		744,314		703,890		692,493		395,349
Add: Interest on deposits		446,919		257,099		288,271		385,733		654,056

Earnings available for fixed charges, including interest on deposits	$	1,233,732	$	1,001,413	$	992,161	$	1,078,226	$	1,049,405


Fixed Charges:
Interest expense, excluding interest on deposits	$	232,435	$	178,842	$	168,499	$	157,888	$	285,445
Interest factor in net rental expense		10,804		12,806		11,404		11,900		14,427

Total fixed charges, excluding interest on deposits		243,239		191,648		179,903		169,788		299,872
Add: Interest on deposits		446,919		257,099		288,271		385,733		654,056

Total fixed charges, including interest on deposits	$	690,158	$	448,747	$	468,174	$	555,521	$	953,928


Ratio of Earnings to Fixed Charges
Excluding interest on deposits		3.23x		3.88x		3.91x		4.08x		1.32x
Including interest on deposits		1.79x		2.23x		2.12x		1.94x		1.10x

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