Huntington Bancshares (HBAN) 10-K2014 FY Annual report

Filed: 13 Feb 15, 12:00am

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Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends


	Twelve Months Ended December 31,
(dollar amounts in thousands of dollars)	2014			2013			2012			2011			2010
Earnings:
Income (loss) before income taxes	$	852,985		$	868,756		$	833,581		$	718,928		$	364,113

Add: Fixed charges, excluding interest on deposits and preferred stock dividends		70,692			57,027			74,379			97,035			102,969

Earnings available for fixed charges, excluding interest on deposits		923,677			925,783			907,960			815,963			467,082
Add: Interest on deposits		86,453			116,241			162,167			260,051			439,049

Earnings available for fixed charges, including interest on deposits		1,010,130			1,042,024			1,070,127			1,076,014			906,131

Fixed Charges:
Interest expense, excluding interest on deposits		52,868			39,788			57,572			81,004			87,537
Interest factor in net rental expense		17,824			17,239			16,807			16,031			15,432
Preferred stock dividends		31,854			31,869			31,989			30,813			172,032

Total fixed charges, excluding interest on deposits		102,546			88,896			106,368			127,848			275,001
Add: Interest on deposits		86,453			116,241			162,167			260,051			439,049

Total fixed charges, including interest on deposits	$	188,999		$	205,137		$	268,535		$	387,899		$	714,050

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits		9.01	x		10.41	x		8.54	x		6.38	x		1.70	x
Including interest on deposits		5.34	x		5.08	x		3.99	x		2.77	x		1.27	x

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