Huntington Bancshares (HBAN) 10-K 2012 FY Annual report

Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	Twelve Months Ended December 31,
(dollar amounts in thousands of dollars)	2012			2011			2010			2009			2008
Earnings:
Income (loss) before income taxes	$	825,117		$	707,234		$	352,311		$	(3,678,183	)	$	(296,008	)
Add: Fixed charges, excluding interest on deposits and preferred stock dividends		74,379			97,035			102,969			155,269			351,672
Earnings available for fixed charges, excluding interest on deposits		899,496			804,269			455,280			(3,522,914	)		55,664
Add: Interest on deposits		162,167			260,051			439,049			674,101			931,679
Earnings available for fixed charges, including interest on deposits		1,061,663			1,064,320			894,329			(2,848,813	)		987,343
Fixed Charges:
Interest expense, excluding interest on deposits		57,572			81,004			87,537			139,754			334,952
Interest factor in net rental expense		16,807			16,031			15,432			15,515			16,720
Preferred stock dividends		31,989			30,813			172,032			174,756			46,400
Total fixed charges, excluding interest on deposits		106,368			127,848			275,001			330,025			398,072
Add: Interest on deposits		162,167			260,051			439,049			674,101			931,679
Total fixed charges, including interest on deposits	$	268,535		$	387,899		$	714,050		$	1,004,126		$	1,329,751
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits		8.46	x		6.29	x		1.66	x		(10.67	)x		0.14	x
Including interest on deposits		3.95	x		2.74	x		1.25	x		(2.84	)x		0.74	x