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EXHIBIT 25
United States
Securities and Exchange Commission
Washington, D.C. 20549
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FORM T-1
STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939 OF
A CORPORATION DESIGNATED TO ACT AS TRUSTEE
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CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF
A TRUSTEE PURSUANT TO SECTION 305(b)(2)
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THE HUNTINGTON NATIONAL BANK
(Exact name of trustee as specified in its charter)
--------------------------------------------- 31-0966785
(Jurisdiction of incorporation or organization (IRS Employer
if not a U.S. national bank) Identification Number)
41 S. High Street
Columbus, Ohio 43215
(Address of principal executive offices) (Zip Code)
Ralph K. Frazier, General Counsel
The Huntington National Bank
41 S. High Street - HC3412
Columbus, Ohio 43215
Tel: (614) 480-4647
(Name, address and telephone number of agent for service)
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VENTURE HOLDINGS TRUST
(Exact name of obligor as specified in its charter)
Michigan 38-6530870
(State or other jurisdiction of (IRS Employer
incorporation or organization) Identification Number)
33662 James J. Pompo Drive
Fraser, Michigan 48026 48026
(Address of principal executive offices) (Zip Code)
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VENTURE HOLDINGS TRUST 9 1/2% SENIOR NOTES DUE 2005
Debt Securities
(Title of the indenture securities)
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GENERAL
Pursuant to General Instruction B of the Form T-1, the applicant is providing
responses to only Items 1, 2, and 16 of the Form T-1 since the obligor is not
in default.
Item 1. General Information
Furnish the following information as to the trustee:
(a) Name and address of each examining or supervising authority to which it is
subject.
Office of the Comptroller of the Currency Federal Deposit Insurance
Central District Corporation
One Financial Plaza Chicago Region
440 South LaSalle, Suite 2700 30 South Wacker Drive
Chicago, Illinois 60605 Chicago, Illinois 60505
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Federal Reserve Bank of Cleveland - District No. 4
1455 East Sixth Street
Cleveland, Ohio 44115
(b) Whether it is authorized to exercise corporate trust powers.
Yes.
Item 2. Affiliations with the obligor.
If the obligor is an affiliate of the trustee, describe each such
affiliation.
None.
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16. List of Exhibits
List below all exhibits filed as a part of this Statement of Eligibility.
1. A copy of the Articles of Association of the Trustee as now in effect (see
Item 16, Exhibit 1 to Form T-1 filed in connection with Registration Statement
No. 33-80090 which is incorporated by reference).
2. A copy of the Certificate of Authority of the Trustee to Commence Business
(see Item 16, Exhibit 2 to Form T-1 filed in connection with Registration
Statement No. 33-80090, which is incorporated by reference).
3. A copy of the authorization of the Trustee to exercise corporate trust
powers (see Item 16, Exhibit 3 to Form T-1 filed in connection with
Registration Statement No. 33-80090, which is incorporated by reference).
4. A copy of the existing By Laws of the Trustee (see Item 16, Exhibit 4 to
Form T-1 filed in connection with Registration Statement No. 33-80090, which
is incorporated by reference).
5. Not applicable.
6. The consent of the Trustee required by Section 321 (b) of the Act (see Item
16, Exhibit 6 to Form T-1 filed in connection with Registration Statement No.
33-80090, which is incorporated by reference).
7. A copy of the latest report of condition of the Trustee, published pursuant
to law or the requirements of its supervising or examining authority.
8. Not applicable.
9. Not applicable.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939 the
Trustee, The Huntington National Bank, a national association organized and
existing under the laws of the United States, has duly caused this statement of
eligibility to be signed on its behalf by the undersigned, thereunto duly
authorized, all in the City of Columbus and State of Ohio, on the 9th day of
July, 1997.
THE HUNTINGTON NATIONAL BANK
(Trustee)
By: Donna L. Shutek
-----------------------------------
Donna L. Shutek, Assistant Vice
President
(Name and Title)
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Item #16
Exhibit 7
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
[FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL LOGO]
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR A BANK WITH DOMESTIC AND
FOREIGN OFFICES--FFIEC 031
REPORT AT THE CLOSE OF BUSINESS JUNE 30, 1997 (970630)
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(RCRI 9999)
This report is required by law: 12 U.S.C. Section 324 (State nonmember banks);
12 U.S.C. Section 1817 (State nonmember banks);and U.S.C. Section 161
(National banks).
NOTE: The Reports of Condition and Income must be signed by an authorized
officer and the Report of Condition must be attested to by not less than two
directors (trustees) for State nonmember banks and three directors for State
member and National banks.
I, John D. Van Fleet, SVP and HNB Controller
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Name and Title of Officer Authorized to Sign Report
of the named bank do hereby declare that these Reports of Condition and Income
(including the supporting schedules) have been prepared in conformance with the
instructions issued by the appropriate Federal regulatory authority and are
true to the best of my knowledge and belief.
\s\ John D. Van Fleet
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Signature of Officer Authorized to Sign Report
July 28, 1997
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Date of Signature
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FOR BANKS SUBMITTING HARD COPY REPORT FORMS:
STATE MEMBER BANKS: Return the original and one copy to the appropriate Federal
Reserve District Bank.
STATE NONMEMBER BANKS: Return the original only in the special return address
envelope provided. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2127 Espey Court, Suite 204, Crofton, MD 21114.
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This report form is to be filed by banks with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
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The Reports of Condition and Income are to be prepared in accordance with
Federal regulatory authority instructions. NOTE: These instructions may in
some cases differ from generally accepted accounting principles.
We, the undersigned directors (trustees), attest to the correctness of this
Report of Condition (including the supporting schedules) and declare that it
has been examined by us and to the best of our knowledge and belief has been
prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and is true and correct.
[SIG]
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Director (Trustee)
[SIG]
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Director (Trustee)
[SIG]
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Director (Trustee)
[SIG]
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NATIONAL BANKS: Return the original only in the special return address envelope
provided. If express mail is used in lieu of the special return address
envelope, return the original only to the FDIC, c/o Quality Data Systems, 2127
Espey Court, Suite 204, Crofton, MD 21114.
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FDIC Certificate Number \ \ \ \ \ \
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(RCRI 9050)
Banks should affix the address label in this space.
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Legal Title of Bank (TEXT 9010)
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City (TEXT 9130)
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State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-1
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
CONSOLIDATED REPORT OF INCOME
FOR THE PERIOD JANUARY 1, 1997 - JUNE 30, 1997
All Report of Income schedules are to be reported on a calendar year-to-date
basis in thousands of dollars.
SCHEDULE RI--INCOME STATEMENT
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I480 <-
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Interest income: /////////////////
a. Interest and fee income on loans: /////////////////
(1) In domestic offices: /////////////////
(a) Loans secured by real estate ........................................................ 4011 225,778 1.a.(1)(a)
(b) Loans to depository institutions .................................................... 4019 67 1.a.(1)(b)
(c) Loans to finance agricultural production and other loans to farmers.................. 4024 3,616 1.a.(1)(c)
(d) Commercial and industrial loans ..................................................... 4012 166,325 1.a.(1)(d)
(e) Acceptances of other banks .......................................................... 4026 0 1.a.(1)(e)
(f) Loans to individuals for household, family, and other personal expenditures: /////////////////
(1) Credit cards and related plans .................................................. 4054 32,528 1.a.(1)(f)(1)
(2) Other ........................................................................... 4055 190,840 1.a.(1)(f)(2)
(g) Loans to foreign governments and official institutions .............................. 4056 0 1.a.(1)(g)
(h) Obligations (other than securities and leases) of states and political /////////////////
subdivisions in the U.S.): /////////////////
(1) Taxable obligations ............................................................. 4503 0 1.a.(1)(h)(1)
(2) Tax-exempt obligations .......................................................... 4504 1,909 1.a.(1)(h)(2)
(i) All other loans in domestic offices ................................................. 4058 64 1.a.(1)(i)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ........................... 4059 0 1.a.(2)
b. Income from lease financing receivables: /////////////////
(1) Taxable leases .......................................................................... 4505 37,052 1.b.(1)
(2) Tax-exempt leases ....................................................................... 4307 0 1.b.(2)
c. Interest income on balances due from depository institutions:(1) /////////////////
(1) In domestic offices ..................................................................... 4105 14 1.c.(1)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ........................... 4106 0 1.c.(2)
d. Interest and dividend income on securities: /////////////////
(1) U.S. Treasury securities and U.S. Government agency obligations ......................... 4027 139,667 1.d.(1)
(2) Securities issued by states and political subdivisions in the U.S.: /////////////////
(a) Taxable securities .................................................................. 4506 0 1.d.(2)(a)
(b) Tax-exempt securities ............................................................... 4507 1,481 1.d.(2)(b)
(3) Other domestic debt securities .......................................................... 3657 14,676 1.d.(3)
(4) Foreign debt securities ................................................................. 3658 158 1.d.(4)
(5) Equity securities (including investments in mutual funds) ............................... 3659 402 1.d.(5)
e. Interest income from trading assets ......................................................... 4069 0 1.e.
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(1) Includes interest income on time certificates of deposit not held for
trading.
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFEIC 031
Address: P.O. BOX 1558 Page RI-2
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
Schedule RI--Continued
Dollar Amounts in Thousands Year-to-date
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1. Interest income (continued) RIAD Bil Mil Thou
f. Interest income on federal funds sold and securities purchased under //////////////////
agreements to resell...................................................... 4020 1,063 1.f.
g. Total interest income (sum of items 1.a through 1.f)...................... 4107 815,640 1.g.
2. Interest expense: //////////////////
a. Interest on deposits: //////////////////
(1) Interest on deposits in domestic offices: //////////////////
(a) Transaction accounts (NOW accounts, ATS accounts, and //////////////////
telephone and preauthorized transfer accounts)................... 4508 12,393 2.a.(1) (a)
(b) Nontransaction accounts: //////////////////
(1) Money market deposit accounts (MMDAs)..................... 4509 17,192 2.a.(1) (b) (1)
(2) Other savings deposits.................................... 4511 44,793 2.a.(1) (b) (2)
(3) Time deposits of $100,000 or more......................... A517 32,246 2.a.(1) (b) (3)
(4) Time deposits of less than $100,000....................... A518 126,922 2.a.(1) (b) (4)
(2) Interest on deposits in foreign offices, Edge and Agreement //////////////////
subsidiaries, and IBFs............................................... 4172 15,700 2.a.(2)
b. Expense of federal funds purchased and securities sold under //////////////////
agreements to repurchase.................................................. 4180 44,340 2.b.
c. Interest on demand notes issued to the U.S. Treasury, trading //////////////////
liabilities, and other borrowed money..................................... 4185 80,364 2.c.
d. Not applicable //////////////////
e. Interest on subordinated notes and debentures............................. 4200 14,602 2.e.
f. Total interest expense (sum of items 2.a through 2.e)..................... 4073 388,552 2.f.
3. Net interest income (item 1.g minus 2.f)...................................... ////////////////// RIAD 4074 427,088 3.
4. Provisions: //////////////////
a. Provision for loan and lease losses....................................... ////////////////// RIAD 4230 43,195 4.a.
b. Provision for allocated transfer risk..................................... ////////////////// RIAD 4243 0 4.b.
5. Noninterest income: //////////////////
a. Income from fiduciary activities.......................................... 4070 19,383 5.a.
b. Service charges on deposit accounts in domestic offices................... 4080 48,478 5.b.
c. Trading revenue (must equal Schedule RI, sum of Memorandum //////////////////
items 8.a through 8.d).................................................... A220 921 5.c.
d.-e. Not applicable //////////////////
f. Other noninterest income: //////////////////
(1) Other fee income..................................................... 5407 42,095 5.f.(1)
(2) All other noninterest income*........................................ 5408 14,441 5.f.(2)
g. Total noninterest income (sum of items 5.a through 5.f)................... ////////////////// RIAD 4079 125,318 5.g.
6. a. Realized gains (losses) on held-to-maturity securities.................... ////////////////// RIAD 3521 0 6.a.
b. Realized gains (losses) on available-for-sale securities.................. ////////////////// RIAD 3196 5,532 6.b.
7. Noninterest expense: //////////////////
a. Salaries and employee benefits............................................ 4135 129,784 7.a.
b. Expenses of premises and fixed assets (net of rental income) //////////////////
(excluding salaries and employee benefits and mortgage interest).......... 4217 34,413 7.b.
c. Other noninterest expense*................................................ 4092 137,600 7.c.
d. Total noninterest expense (sum of items 7.a through 7.c).................. ////////////////// RIAD 4093 301,797 7.d.
8. Income (loss) before income taxes and extraordinary items and other //////////////////
adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d) ////////////////// RIAD 4301 212,946 8.
9. Applicable income taxes (on item 8)........................................... ////////////////// RIAD 4302 75,753 9.
10. Income (loss) before extraordinary items and other adjustments (item 8 //////////////////
minus 9)...................................................................... ////////////////// RIAD 4300 137,193 10.
11. Extraordinary items and other adjustments, net of income taxes*............... ////////////////// RIAD 4320 0 11.
12. Net income (loss) (sum of items 10 and 11)................................... ////////////////// RIAD 4340 137,193 12.
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*Describe on Schedule RI-E--Explanations.
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-3
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI -- CONTINUED
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I481 <-
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MEMORANDA Year-to-date
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Interest expense incurred to carry tax-exempt securities, loans, and /////////////////
leases acquired after August 7, 1986, that is not deductible for
federal income tax purposes ........................................ 4513 0 M.1.
2. Income from the sale and servicing of mutual funds and annuities //////////////////
in domestic offices (included in Schedule RI, item 8) .............. 8431 6,219 M.2.
3. -4. Not applicable //////////////////
5. Number of full-time equivalent employees at end of current period //// Number
(round to nearest whole number) .................................... 4150 6,916 M.5.
6. Not applicable //////////////////
7. If the reporting bank has restated its balance sheet as a result of
applying push down accounting this calendar year, report the date RIAD CC YY MM DD
of the bank's acquisition(1) ....................................... 9106 00 00 00 00 M.7.
8. Trading revenue (from cash instruments and off-balance sheet
derivative instruments) //////////////////
(sum of Memorandum items 8.a through 8.d must equal Schedule RI,
item 5.c): //// Bil Mil Thou
a. Interest rate exposures ......................................... 8757 392 M.8.a
b. Foreign exchange exposures ...................................... 8758 529 M.8.b.
c. Equity security and index exposures ............................. 8759 0 M.8.c.
d. Commodity and other exposures ................................... 8760 0 M.8.d.
9. Impact on income of off-balance sheet derivatives held
for pruposes other than trading: //////////////////
a. Net increase (decrease) to interest income ..................... 8761 321 M.9.a.
b. Net (increase) decrease to interest expense .................... 8762 (1,440) M.9.b.
c. Other (noninterest) allocations ................................ 8763 462 M.9.c.
10. Credit losses on off-balance sheet derivatives (see instructions).. A251 0 M.10.
11. DOES THE REPORTING BANK HAVE A SUBCHAPTER S ELECTION IN EFFECT FOR YES NO
FEDERAL INCOME TAX PURPOSES FOR THE CURRENT TAX YEAR? ............. A530 /// X M.11.
12. DEFERRED PORTION OF TOTAL APPLICABLE INCOME TAXES INCLUDED IN
SCHEDULE RI, ITEMS 9 AND 11 (TO BE REPORTED WITH THE //// BIL MIL THOU
DECEMBER REPORT OF INCOME) ........................................ 4772 N/A M.12.
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(1) For example, a bank acquired on June 1, 1997, would report 19970601.
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-4
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI-A--CHANGES IN EQUITY CAPITAL
Indicate decreases and losses in parentheses.
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I483 <-
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Total equity capital originally reported in the December 31, 1996, Reports of Condition /////////////////
and Income .................................................................................... 3215 834,472 1.
2. Equity capital adjustments from amended Reports of Income, net* ............................... 3216 0 2.
3. Amended balance end of previous calendar year (sum of items 1 and 2) .......................... 3217 834,472 3.
4. Net income (loss) (must equal Schedule RI, item 12) ........................................... 4340 137,193 4.
5. Sale, conversion, acquisition, or retirement of capital stock, net ............................ 4346 0 5.
6. Changes incident to business combinations, net ................................................ 4356 737,750 6.
7. LESS: Cash dividends declared on preferred stock .............................................. 4470 0 7.
8. LESS: Cash dividends declared on common stock ................................................. 4460 105,222 8.
9. Cumulative effect of changes in accounting principles from prior years* (see instructions for /////////////////
this schedule) ................................................................................ 4411 (1,794) 9.
10. Corrections of material accounting errors from prior years* (see instructions for this /////////////////
schedule) ..................................................................................... 4412 0 10.
11. Change in net unrealized holding gains (losses) on available-for-sale securities .............. 8433 (19,366) 11.
12. Foreign currency translation adjustments ...................................................... 4414 0 12.
13. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) ...... 4415 0 13.
14. Total equity capital end of current period (sum of items 3 through 13) (must equal /////////////////
Schedule RC, item 28) ......................................................................... 3210 1,583,033 14.
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*Describe on Schedule RI-E--Explanations.
SCHEDULE RI-B--CHARGE-OFFS AND RECOVERIES AND CHANGES
IN ALLOWANCE FOR LOAN AND LEASE LOSSES
PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES
PART I EXCLUDES CHARGE-OFFS AND RECOVERIES THROUGH
THE ALLOCATED TRANSFER RISK RESERVE.
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I486 <-
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(Column A) (Column B)
Charge-offs Recoveries
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Calendar year-to-date
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Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
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1. Loans secured by real estate: ///////////////// /////////////////
a. To U.S. addressees (domicile) ........................................... 4651 1,774 4661 237 1.a.
b. To non-U.S. addressees (domicile) ....................................... 4652 0 4662 0 1.b.
2. Loans to depository institutions and acceptances of other banks: ///////////////// /////////////////
a. To U.S. banks and other U.S. depository institutions .................... 4653 0 4663 0 2.a.
b. To foreign banks ........................................................ 4654 0 4664 0 2.b.
3. Loans to finance agricultural production and other loans to farmers ........ 4655 0 4665 0 3.
4. Commercial and industrial loans: ///////////////// /////////////////
a. To U.S. addressees (domicile) ........................................... 4645 11,445 4617 1,605 4.a.
b. To non-U.S. addressees (domicile) ....................................... 4646 0 4618 0 4.b.
5. Loans to individuals for household, family, and other personal ///////////////// /////////////////
expenditures: ///////////////// /////////////////
a. Credit cards and related plans .......................................... 4656 10,916 4666 1,570 5.a.
b. Other (includes single payment, installment, and all student loans) ..... 4657 19,792 4667 5,799 5.b.
6. Loans to foreign governments and official institutions ..................... 4643 0 4627 0 6.
7. All other loans ............................................................ 4644 0 4628 0 7.
8. Lease financing receivables: ///////////////// /////////////////
a. Of U.S. addressees (domicile) ........................................... 4658 2,321 4668 311 8.a.
b. Of non-U.S. addressees (domicile) ....................................... 4659 0 4669 0 8.b.
9. Total (sum of items 1 through 8) ........................................... 4635 46,248 4605 9,522 9.
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-5
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI-B--CONTINUED
PART I. CONTINUED
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(Column A) (Column B)
Charge-offs Recoveries
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Memoranda Calendar year-to-date
------------------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
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1-3. Not applicable ///////////////// /////////////////
4. Loans to finance commercial real estate, construction, and land ///////////////// /////////////////
development activities (NOT SECURED BY REAL ESTATE) included in ///////////////// /////////////////
Schedule RI-B, part I, items 4 and 7, above.................................. 5409 0 5410 0 M.4.
5. Loans secured by real estate in domestic offices (included in ///////////////// /////////////////
Schedule RI-B, part I, item 1, above): ///////////////// /////////////////
a. Construction and land development........................................ 3582 150 3583 56 M.5.a.
b. Secured by farmland...................................................... 3584 0 3585 0 M.5.b.
c. Secured by 1-4 family residential properties: ///////////////// /////////////////
(1) Revolving, open-end loans secured by 1-4 family residential ///////////////// /////////////////
properties and extended under lines of credit....................... 5411 597 5412 74 M.5.c.(1)
(2) All other loans secured by 1-4 family residential properties........ 5413 850 5414 57 M.5.c.(2)
d. Secured by multifamily (5 or more) residential properties................ 3588 0 3589 0 M.5.d.
e. Secured by nonfarm nonresidential properties............................. 3590 166 3591 50 M.5.e.
------------------------------------
PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Balance originally reported in the December 31, 1996, Reports of Condition and Income............ 3124 144,088 1.
2. Recoveries (must equal part I, item 9, column B above)........................................... 4605 9,522 2.
3. LESS: Charge-offs (must equal part I, item 9, column A above)................................... 4635 46,248 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)........................... 4230 43,195 4.
5. Adjustments* (see instructions for this schedule)............................................... 4815 58,342 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, /////////////////
item 4.b)........................................................................................ 3123 208,899 6.
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*Describe on Schedule RI-E--Explanations.
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Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-6
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI-D--INCOME FROM INTERNATIONAL OPERATIONS
FOR ALL BANKS WITH FOREIGN OFFICES, EDGE OR AGREEMENT SUBSIDIARIES, OR IBFS
WHERE INTERNATIONAL OPERATIONS ACCOUNT FOR MORE THAN 10 PERCENT OF TOTAL
REVENUES, TOTAL ASSETS, OR NET INCOME.
PART I. ESTIMATED INCOME FROM INTERNATIONAL OPERATIONS
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I492 <-
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Year-to-date
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries, /////////////////
and IBFs: /////////////////
a. Interest income booked . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4837 N/A 1.a.
b. Interest expense booked . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4838 N/A 1.b.
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and /////////////////
IBFs (item 1.a minus 1.b) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4839 N/A 1.c.
2. Adjustments for booking location of international operations: /////////////////
a. Net interest income attributable to international operations booked at domestic offices . . . . . 4840 N/A 2.a.
b. Net interest income attributable to domestic business booked at foreign offices . . . . . . . . . 4841 N/A 2.b.
c. Net booking location adjustment (item 2.a minus 2.b) . . . . . . . . . . . . . . . . . . . . . . . 4842 N/A 2.c.
3. Noninterest income and expense attributable to international operations: /////////////////
a. Noninterest income attributable to international operations . . . . . . . . . . . . . . . . . . . 4097 N/A 3.a.
b. Provision for loan and lease losses attributable to international operations . . . . . . . . . . . 4235 N/A 3.b.
c. Other noninterest expense attributable to international operations . . . . . . . . . . . . . . . . 4239 N/A 3.c.
d. Net noninterest income (expense) attributable to international operations (item 3.a minus /////////////////
3.b and 3.c) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4843 N/A 3.d.
4. Estimated pretax income attributable to international operations before capital allocation /////////////////
adjustment (sum of items 1.c, 2.c, and 3.d) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4844 N/A 4.
5. Adjustment to pretax income for internal allocations to international operations to reflect /////////////////
the effects of equity capital on overall bank funding costs . . . . . . . . . . . . . . . . . . . . . 4845 N/A 5.
6. Estimated pretax income attributable to international operations after capital allocation /////////////////
adjustment (sum of items 4 and 5) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4846 N/A 6.
7. Income taxes attributable to income from international operations as estimated in item 6 . . . . . . 4797 N/A 7.
8. Estimated net income attributable to international operations (item 6 minus 7) . . . . . . . . . . . 4341 N/A 8.
-----------------
Memoranda
------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------- ------------------
1. Intracompany interest income included in item 1.a above . . . . . . . . . . . . . . . . . . . . . . . 4847 N/A M.1.
2. Intracompany interest expense included in item 1.b above . . . . . . . . . . . . . . . . . . . . . . 4848 N/A M.2.
-----------------
PART II. SUPPLEMENTARY DETAILS ON INCOME FROM INTERNATIONAL OPERATIONS REQUIRED
BY THE DEPARTMENTS OF COMMERCE AND TREASURY FOR PURPOSES OF THE U.S.
INTERNATIONAL ACCOUNTS AND THE U.S. NATIONAL INCOME AND PRODUCT ACCOUNTS
------------
Year-to-date
------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------- ------------------
1. Interest income booked at IBFs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4849 N/A 1.
2. Interest expense booked at IBFs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4850 N/A 2.
3. Noninterest income attributable to international operations booked at domestic offices /////////////////
(excluding IBFs): /////////////////
a. Gains (losses) and extraordinary items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5491 N/A 3.a.
b. Fees and other noninterest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5492 N/A 3.b.
4. Provision for loan and lease losses attributable to international operations booked at domestic /////////////////
offices (excluding IBFs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4852 N/A 4.
5. Other noninterest expense attributable to international operations booked at domestic offices /////////////////
(excluding IBFs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4853 N/A 5.
-----------------
8
11
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-7
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI-E--EXPLANATIONS
SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and
other adjustments in Schedule RI, and all significant items of other
noninterest income and other noninterest expense in Schedule RI.
(See instructions for details.)
------
I4895 <-
-----------------
Year-to-date
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------- -----------------
1. All other noninterest income (from Schedule RI, item 5.f. (2)) /////////////////
Report amounts that exceed 10% of Schedule RI, item 5.f. (2): /////////////////
a. Net gains (losses) on other real estate owned................................................ 5415 0 1.a.
b. Net gains (losses) on sales of loans......................................................... 5416 0 1.b.
c. Net gains (losses) on sales of premises and fixed assets..................................... 5417 0 1.c.
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, /////////////////
item 5.f. (2): /////////////////
d. TEXT 4461 MISCELLANEOUS MORTGAGE BANKING INCOME 4461 7,859 1.d.
e. TEXT 4462 GAIN ON SALES OF OTHER ASSETS 4462 2,122 1.e.
f. TEXT 4463 CHECK PROCESSING FEE INCOME 4463 2,011 1.f.
2. Other noninterest expense (from Schedule RI, item 7.c): /////////////////
a. Amortization expense of intangible assets.................................................... 4531 8,316 2.a.
Report amounts that exceed 10% of Schedule RI, item 7.c: /////////////////
b. Net (gains) losses on other real estate owned................................................ 5418 0 2.b.
c. Net (gains) losses on sales of loans......................................................... 5419 0 2.c.
d. Net (gains) losses on sales of premises and fixed assets..................................... 5420 0 2.d.
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, /////////////////
item 7.c: /////////////////
e. TEXT 4464 INTERCOMPANY OPERATION FEES 4464 38,426 2.e.
f. TEXT 4467 4467 2.f.
g. TEXT 4468 4468 2.g.
3. Extraordinary items and other adjustments and applicable income tax effect /////////////////
(from Schedule RI, item 11) (itemize and describe all extraordinary items and /////////////////
other adjustments): /////////////////
a. (1) TEXT 4469 4469 3.a.(1)
(2) Applicable income tax effect RIAD 4486 ///////////////// 3.a.(2)
b. (1) TEXT 4487 4487 3.b.(1)
(2) Applicable income tax effect RIAD 4488 ///////////////// 3.b.(2)
c. (1) TEXT 4489 4489 3.c.(1)
(2) Applicable income tax effect RIAD 4491 ///////////////// 3.c.(2)
4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2) /////////////////
(itemize and describe all adjustments): /////////////////
a. TEXT 4492 4492 4.a.
b. TEXT 4493 4493 4.b.
5. Cumulative effect of changes in accounting principles from prior years /////////////////
(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles): /////////////////
a. TEXT A546 EFFECT OF CHANGE TO GAAP FROM PREVIOUS NON-GAAP INSTRUCTIONS A546 (1,794) 5.a.
b. TEXT 4495 4495 5.b.
6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10) /////////////////
(itemize and describe all corrections): /////////////////
a. TEXT 4496 4496 6.a.
b. TEXT 4497 4497 6.b.
-----------------
9
12
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RI-8
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RI-E--CONTINUED
------------
Year-to-date
---------- ------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------- -----------------
7. Other transactions with parent holding company (from Schedule RI-A, item 13) /////////////////
(itemize and describe all such transactions): /////////////////
a. TEXT 4498 4498 7.a.
b. TEXT 4499 4499 7.b.
8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5) /////////////////
(itemize and describe all adjustments): /////////////////
a. TEXT 4521 INCREASE INCIDENT TO BUSINESS COMBINATIONS 4521 58,342 8.a.
b. TEXT 4522 4522 8.b.
-----------------
9. Other explanations (the space below is provided for the bank to briefly describe, at its I498 I499 <-
option, any other significant items affecting the Report of Income): -----------------
No comment / / (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
10
13
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-1
City, State Zip: COLUMBUS, OH 43216
DIC Certificate No.: 06560
CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL
AND STATE-CHARTERED SAVINGS BANKS FOR JUNE 30, 1997
All schedules are to be reported in thousands of dollars. Unless otherwise
indicated, report the amount outstanding as of the last business day of the
quarter.
SCHEDULE RC--BALANCE SHEET
------------------
C400 <-
------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------- ------------------
ASSETS /////////////////
1. Cash and balances due from depository institutions (from Schedule RC-A): /////////////////
a. Noninterest-bearing balances and currency and coin(1). . . . . . . . . . . . . . . . . . . . . . . 0081 942,243 1.a.
b. Interest-bearing balances(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0071 350 1.b.
2. Securities: /////////////////
a. Held-to-maturity securities (from Schedule RC-B, column A) . . . . . . . . . . . . . . . . . . . . 1754 54,972 2.a.
b. Available-for-sale securities (from Schedule RC-B, column D) . . . . . . . . . . . . . . . . . . . 1773 4,388,610 2.b.
3. Federal funds sold and securities purchased under agreements to resell . . . . . . . . . . . . . . . 1350 33,204 3.
4. Loans and lease financing receivables: /////////////////
a. Loans and leases, net of unearned income (from Schedule RC-C) . . . . . . . RCFD 2122 14,842,799 ///////////////// 4.a.
b. LESS: Allowance for loan and lease losses . . . . . . . . . . . . . . . . . RCFD 3123 . . 208,899 ///////////////// 4.b.
c. LESS: Allocated transfer risk reserve . . . . . . . . . . . . . . . . . . . RCFD 3128 . . . . . 0 ///////////////// 4.c.
d. Loans and leases, net of unearned income, /////////////////
allowance, and reserve (item 4.a minus 4.b and 4.c). . . . . . . . . . . . . . . . . . . . . . . . 2125 14,633,900 4.d.
5. Trading assets (from Schedule RC-D) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3545 2,481 5.
6. Premises and fixed assets (including capitalized leases) . . . . . . . . . . . . . . . . . . . . . . 2145 298,208 6.
7. Other real estate owned (from Schedule RC-M). . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2150 16,238 7.
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M). . . . . . . 2130 11,034 8.
9. Customers' liability to this bank on acceptances outstanding. . . . . . . . . . . . . . . . . . . . . 2155 42,573 9.
10. Intangible assets (from Schedule RC-M). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2143 283,651 10.
11. Other assets (from Schedule RC-F) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2160 333,261 11.
12. Total assets (sum of items 1 through 11). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2170 21,040,725 12.
-----------------
- --------------------------
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
11
14
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-2
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC -- CONTINUED
------------------------
Dollar Amounts in Thousands /////////// Bil Mil Thou
- --------------------------------------------------------------------------------------------------- ------------------------
LIABILITIES //////////////////////
13. Deposits: //////////////////////
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, //////////////////////
part I)................................................................................... RCON 2200 14,187,019 13.a.
(1) Noninterest-bearing(1).....................................RCON 6631 2,461,257 ////////////////////// 13.a.(1)
(2) Interest-bearing...........................................RCON 6636 11,725,762 ////////////////////// 13.a.(2)
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, //////////////////////
part II).................................................................................. RCFN 2200 449,512 13.b.
(1) Noninterest-bearing........................................RCFN 6631 0 ////////////////////// 13.b.(1)
(2) Interest-bearing...........................................RCFN 6636 449,512 ////////////////////// 13.b.(2)
14. Federal funds purchased and securities sold under agreements to repurchase................ RCFD 2800 1,436,086 14.
15. a. Demand notes issued to the U.S. Treasury.................................................... RCON 2840 25,000 15.a.
b. Trading liabilities (from Schedule RC-D).................................................... RCFD 3548 0 15.b.
16. Other borrowed money (includes mortgage indebtedness and obligations under //////////////////////
capitalized leases): //////////////////////
a. With a remaining maturity of one year or less............................................... RCFD 2332 1,850,208 16.a.
b. WITH A REMAINING MATURITY OF MORE THAN ONE YEAR THROUGH THREE YEARS......................... RCFD A547 722,906 16.b.
c. WITH A REMAINING MATURITY OF MORE THAN THREE YEARS.......................................... RCFD A548 0 16.c.
17. Not applicable //////////////////////
18. Bank's liability on acceptances executed and outstanding....................................... RCFD 2920 42,573 18.
19. Subordinated notes and debentures(2)........................................................... RCFD 3200 449,424 19.
20. Other liabilities (from Schedule RC-G)......................................................... RCFD 2930 294,964 20.
21. Total liabilities (sum of items 13 through 20)................................................. RCFD 2948 19,457,692 21.
22. Not applicable //////////////////////
EQUITY CAPITAL //////////////////////
23. Perpetual preferred stock and related surplus.................................................. RCFD 3838 0 23.
24. Common stock................................................................................... RCFD 3230 40,000 24.
25. Surplus (exclude all surplus related to preferred stock)....................................... RCFD 3839 482,600 25.
26. a. Undivided profits and capital reserves...................................................... RCFD 3632 1,085,910 26.a.
b. Net unrealized holding gains (losses) on available-for-sale securities...................... RCFD 8434 (25,477) 26.b.
27. Cumulative foreign currency translation adjustments............................................ RCFD 3284 0 27.
28. Total equity capital (sum of items 23 through 27).............................................. RCFD 3210 1,583,033 28.
29. Total liabilities and equity capital (sum of items 21 and 28).................................. RCFD 3300 21,040,725 29.
----------------------
Memorandum
TO BE REPORTED ONLY WITH THE MARCH REPORT OF CONDITION.
1. Indicate in the box at the right the number of the statement below that best describes the Number
most comprehensive level of auditing work performed for the bank by independent external ----------------------------
auditors as of any date during 1996............................................................ RCFD 6724 N/A M.1.
----------------------------
1 = Independent audit of the bank conducted in accordance with generally
accepted auditing standards by a certified public accounting firm which
submits a report on the bank
2 = Independent audit of the bank's parent holding company conducted in
accordance with generally accepted auditing standards by a certified
public accounting firm which submits a report on the consolidated holding
company (but not on the bank separately)
3 = Directors' examination of the bank conducted in accordance with generally
accepted auditing standards by a certified public accounting firm (may be
required by state chartering authority)
4 = Directors' examination of the bank performed by other external auditors
(may be required by state chartering authority)
5 = Review of the bank's financial statements by external auditors
6 = Compilation of the bank's financial statements by external auditors
7 = Other audit procedures (excluding tax preparation work)
8 = No external audit work
- ----------
(1) Includes total demand deposits and noninterest-bearing time and savings
deposits.
(2) Includes limited-life preferred stock and related surplus.
12
15
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 06/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-3
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-A--CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading.
C405 <-
(Column A) (Column B)
Consolidated Domestic
Bank Offices
------------------ -------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- --------------------------------------------------------------------------------------- ------------------ -------------------
1. Cash items in process of collection, unposted debits, and currency and ////////////////// ////////////////
coin ........................................................................... 0022 754,797 //////////////// 1.
a. Cash items in process of collection and unposted debits ...................... ////////////////// 0020 583,877 1.a.
b. Currency and coin ........................................................... ////////////////// 0080 170,920 1.b.
2. Balances due from depository institutions in the U.S. .......................... ////////////////// 0082 81,925 2.
a. U.S. branches and agencies of foreign banks (including their IBFs) .......... 0083 0 //////////////// 2.a.
b. Other commercial banks in the U.S. and other depository institutions ////////////////// ////////////////
in the U.S. (including their IBFs) .......................................... 0085 81,925 //////////////// 2.b.
3. Balances due from banks in foreign countries and foreign central banks ......... ////////////////// 0070 0 3.
a. Foreign branches of other U.S. banks ........................................ 0073 0 //////////////// 3.a.
b. Other banks in foreign countries and foreign central banks .................. 0074 0 //////////////// 3.b.
4. Balances due from Federal Reserve Banks ........................................ 0090 105,871 0090 105,871 4.
5. Total (sum if items 1 through 4) (total of column A must equal ////////////////// ////////////////
Schedule RC, sum of items 1.a and 1.b) ......................................... 0010 942,593 0010 942,593 5.
- ----------------------------------------------------------------------------------------------------------------------------
Memorandum Dollar Amounts in Thousands RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item 2, /////////////////
column B above) ................................................................ 0050 81,575 M.1.
-----------------
SCHEDULE RC-B--SECURITIES
Exclude assets held for trading.
C410 <-
------------------------------------------------------------------------------------------
Held-to-maturity Available-for-sale
-------------------------------------- --------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Vaue Amortized Cost Fair Value (1)
----------------- -------------------- ----------------------- -----------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ------------------------------------------------ -------------------- ----------------------- -----------------------
1. U.S. Treasury securities.. 0211 156 0213 156 1286 690,077 1287 674,226 1.
2. U.S. Government agency
obligations (exclude //////////////// //////////////// //////////////// //////////////////
mortgage-backed //////////////// //////////////// //////////////// //////////////////
securities): //////////////// //////////////// //////////////// //////////////////
a. Issued by U.S. //////////////// //////////////// //////////////// //////////////////
Government
agencies (2) ....... 1289 0 1290 0 1291 0 1293 0 2.a.
b. Issued by U.S. //////////////// //////////////// //////////////// //////////////////
Government-sponsored //////////////// //////////////// //////////////// //////////////////
agencies (3) ....... 1294 0 1295 0 1297 1,510,673 1298 1,502,271 2.b.
- --------------------------------------------------------------------------------------------------------------------
- -----------------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.b, column D.
(2) Includes Small Business Administration "Guaranteed Loan Pool Certificates ,"
U.S. Maritime Administration obligations, and Export-Import Bank
participation certificates.
(3) Includes obligations (other than mortgage-backed securities) issued by the
Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan
Mortgage Corporation , the Federal National Mortgage Association, the
Financing Corporation, Resolution Funding Corporation, the Student Loan
Marketing Association, and the Tennessee Valley Authority.
13
16
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-4
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-B--CONTINUED
Held-to-maturity Available-for-sale
------------------------------------------- ----------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
------------------------------------------- ----------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ------------------------------------------------------------------------------- ----------------------------------------------
3. Securities issued by states ///////////////// ///////////////// ///////////////// /////////////////
and political subdivisions ///////////////// ///////////////// ///////////////// /////////////////
in the U.S.: ///////////////// ///////////////// ///////////////// /////////////////
a. General obligations........ 1676 19,958 1677 20,170 1678 6,652 1679 6,831 3.a.
b. Revenue obligations........ 1681 34,858 1686 35,209 1690 26,230 1691 27,173 3.b.
c. Industrial development ///////////////// ///////////////// ///////////////// /////////////////
and similar obligations.... 1694 0 1695 0 1696 0 1697 0 3.c.
4. Mortage-backed ///////////////// ///////////////// ///////////////// /////////////////
securities (MBS): ///////////////// ///////////////// ///////////////// /////////////////
a. Pass-through securities: ///////////////// ///////////////// ///////////////// /////////////////
(1) Guaranteed by ///////////////// ///////////////// ///////////////// /////////////////
GNMA.................. 1698 0 1699 0 1701 68,323 1702 68,324 4.a.(1)
(2) Issued by FNMA ///////////////// ///////////////// ///////////////// /////////////////
and FHLMC............. 1703 0 1705 0 1706 1,097,036 1707 1,084,585 4.a.(2)
(3) Other pass-through ///////////////// ///////////////// ///////////////// /////////////////
securities............ 1709 0 1710 0 1711 0 1713 0 4.a.(3)
b. Other mortgage-backed ///////////////// ///////////////// ///////////////// /////////////////
securities (include CMOs, ///////////////// ///////////////// ///////////////// /////////////////
REMICs, and stripped ///////////////// ///////////////// ///////////////// /////////////////
MBS): ///////////////// ///////////////// ///////////////// /////////////////
(1) Issued or guaranteed ///////////////// ///////////////// ///////////////// /////////////////
by FNMA, FHLMC ///////////////// ///////////////// ///////////////// /////////////////
or GNMA............... 1714 0 1715 0 1716 576,230 1717 572,828 4.b.(1)
(2) Collateralized ///////////////// ///////////////// ///////////////// /////////////////
by MBS issued or ///////////////// ///////////////// ///////////////// /////////////////
guaranteed by FNMA, ///////////////// ///////////////// ///////////////// /////////////////
FHLMC, or GNMA........ 1718 0 1719 0 1731 23,751 1732 23,706 4.b.(2)
(3) All other mortgage- ///////////////// ///////////////// ///////////////// /////////////////
backed securities..... 1733 0 1734 0 1735 0 1736 0 4.b.(3)
5. Other debt securities: ///////////////// ///////////////// ///////////////// /////////////////
a. Other domestic debt ///////////////// ///////////////// ///////////////// /////////////////
securities................. 1737 0 1738 0 1739 392,521 1741 391,714 5.a.
b. Foreign debt ///////////////// ///////////////// ///////////////// /////////////////
securities................. 1742 0 1743 0 1744 3,503 1746 3,486 5.b.
6. Equity securities: ///////////////// ///////////////// ///////////////// /////////////////
a. Investments in mutual ///////////////// ///////////////// ///////////////// /////////////////
funds and other equity ///////////////// ///////////////// ///////////////// /////////////////
securities with readily ///////////////// ///////////////// ///////////////// /////////////////
determinable fair values... ///////////////// ///////////////// A510 42 A511 42 6.a.
b. All other equity ///////////////// ///////////////// ///////////////// /////////////////
securities (1)............. ///////////////// ///////////////// 1752 33,424 1753 33,424 6.b.
7. Total (sum of items 1 ///////////////// ///////////////// ///////////////// /////////////////
through 6) (total of ///////////////// ///////////////// ///////////////// /////////////////
column A must equal ///////////////// ///////////////// ///////////////// /////////////////
Schedule RC, item 2.a) ///////////////// ///////////////// ///////////////// /////////////////
(total of column D must ///////////////// ///////////////// ///////////////// /////////////////
equal Schedule RC, ///////////////// ///////////////// ///////////////// /////////////////
item 2.b) ..................... 1754 54,972 1771 55,535 1772 4,428,462 1773 4,388,610 7.
----------------------------------------------------------------------------------------
- -----------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.b, column D.
14
17
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-5
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-B--CONTINUED
--------
Memoranda C412 <-
------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- --------------------------------------------------------------------------------------------------- ------------------
1. Pledged securities(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0416 1,692,624 M.1.
2. Maturity and repricing data for DEBT securities(1), (2) (excluding those in //////////////////
nonaccrual status): //////////////////
a. SECURITIES ISSUED BY THE U.S. TREASURY, U.S. GOVERNMENT AGENCIES, AND STATES AND //////////////////
POLITICAL SUBDIVISIONS IN THE U.S.; OTHER NON-MORTGAGE DEBT SECURITIES; AND //////////////////
MORTGAGE PASS-THROUGH SECURITIES OTHER THAN THOSE BACKED BY CLOSED-END FIRST LIEN 1-4 //////////////////
FAMILY RESIDENTIAL MORTGAGES WITH A REMAINING MATURITY OR REPRICING FREQUENCY //////////////////
OF: (3) (4) //////////////////
(1) THREE MONTHS OR LESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A549 14,978 M.2.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS . . . . . . . . . . . . . . . . . . . . . . . . . A550 27,213 M.2.a.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . A551 301,630 M.2.a.(3)
(4) OVER THREE YEARS THROUGH FIVE YEARS . . . . . . . . . . . . . . . . . . . . . . . . . A552 1,662,046 M.2.a.(4)
(5) OVER FIVE YEARS THROUGH 15 YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . . A553 560,244 M.2.a.(5)
(6) OVER 15 YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A554 94,562 M.2.a.(6)
b. MORTGAGE PASS-THROUGH SECURITIES BACKED BY CLOSED-END FIRST LIEN 1-4 FAMILY RESIDENTIAL //////////////////
MORTGAGES WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF:(3)(5) //////////////////
(1) THREE MONTHS OR LESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A555 0 M.2.b.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS . . . . . . . . . . . . . . . . . . . . . . . . . A556 80 M.2.b.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . A557 1,183 M.2.b.(3)
(4) OVER THREE YEARS THROUGH FIVE YEARS . . . . . . . . . . . . . . . . . . . . . . . . . A558 45,012 M.2.b.(4)
(5) OVER FIVE YEARS THROUGH 15 YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . . A559 1,101,895 M.2.b.(5)
(6) OVER 15 YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A560 4,739 M.2.b.(6)
c. OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOS, REMICS, AND STRIPPED MBS; EXCLUDE MORTGAGE //////////////////
PASS-THROUGH SECURITIES) WITH AN EXPECTED AVERAGE LIFE OF:(6) //////////////////
(1) THREE YEARS OR LESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A561 5,171 M.2.c.(1)
(2) OVER THREE YEARS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A562 591,363 M.2.c.(2)
d. FIXED RATE AND FLOATING RATE DEBT SECURITIES WITH A REMAINING MATURITY OF ONE YEAR OR LESS //////////////////
(INCLUDED IN MEMORANDUM ITEMS 2.a THROUGH 2.c ABOVE) . . . . . . . . . . . . . . . . . . . A248 43,654 M.2.d.
3.-6. Not applicable //////////////////
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or //////////////////
trading securities during the calendar year-to-date (report the amortized cost at date of sale //////////////////
or transfer) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1778 0 M.7.
8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale accounts //////////////////
in Schedule RC-B, item 4.b): //////////////////
a. Amortized cost . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8780 0 M.8.a.
b. Fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8781 0 M.8.b.
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule //////////////////
RC-B, items 2, 3, and 5): //////////////////
a. Amortized cost . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8782 0 M.9.a.
b. Fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8783 0 M.9.b.
------------------
- ----------------
(1) Includes held-to-maturity securities at amortized cost and
available-for-sale securities at fair value.
(2) Exclude equity securities, e.g., investments in mutual funds, Federal
Reserve stock, common stock, and preferred stock.
(3) Report fixed rate debt securities by remaining maturity and floating rate
debt securities by repricing frequency.
(4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt
securities in the categories of debt securities reported in Memorandum item
2.a that are included in Schedule RC-N, item 9, column C, must equal
Schedule RC-B, sum of items 1, 2, 3, and 5, columns A and D, plus mortgage
pass-through securities other than those backed by closed-end first lien
1-4 family residential mortgages included in Schedule RC-B, item 4.a,
columns A and D.
(5) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual
mortgage pass-through securities backed by closed-end first lien 1-4 family
residential mortgages included in Schedule RC-N, item 9, column C, must
equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of
mortgage pass-through securities other than those backed by closed-end
first lien 1-4 family residential mortgages included in Schedule RC-B, item
4.a, columns A and D.
(6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other
mortgage-backed securities" included in Schedule RC-N, item 9, column C,
must equal Schedule RC-B, item 4.b, sum of columns A and D.
15
18
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-6
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No. : 06560
SCHEDULE RC-C--LOANS AND LEASE FINANCING RECEIVABLES
PART I. LOANS AND LEASES
Do not deduct the allowance for loan and lease losses from amounts
reported in this schedule. Report total loans and leases, net of unearned
income. Exclude assets held for trading and commercial paper.
-----
C415 <-
--------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
--------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate ........................................... 1410 6,039,269 ///////////////// 1.
a. Construction and land development ................................... ////////////////// 1415 426,939 1.a.
b. Secured by farmland (including farm residential and other ////////////////// /////////////////
improvements) ....................................................... ////////////////// 1420 19,102 1.b.
c. Secured by 1-4 family residential properties: ////////////////// /////////////////
(1) Revolving, open-end loans secured by 1-4 family residential ////////////////// /////////////////
properties and extended under lines of credit.................... ////////////////// 1797 1,139,992 1.c.(1)
(2) All other loans secured by 1-4 family residential properties: ////////////////// /////////////////
(a) Secured by first liens ...................................... ////////////////// 5367 1,498,654 1.c.(2)(a)
(b) Secured by junior liens ..................................... ////////////////// 5368 382,582 1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties ........... ////////////////// 1460 120,765 1.d.
e. Secured by nonfarm nonresidential properties ........................ ////////////////// 1480 2,451,235 1.e.
2. Loans to depository institutions: ////////////////// /////////////////
a. To commercial banks in the U.S. ..................................... ////////////////// 1505 26,791 2.a.
(1) To U.S. branches and agencies of foreign banks .................. 1506 0 ///////////////// 2.a.(1)
(2) To other commercial banks in the U.S. ........................... 1507 26,791 ///////////////// 2.a.(2)
b. To other depository institutions in the U.S. ....................... 1517 34 1517 34 2.b.
c. To banks in foreign countries ....................................... ////////////////// 1510 0 2.c.
(1) To foreign branches of other U.S. banks ......................... 1513 0 ///////////////// 2.c.(1)
(2) To other banks in foreign countries ............................. 1516 0 ///////////////// 2.c.(2)
3. Loans to finance agricultural production and other loans to farmers .... 1590 92,925 1590 92,925 3.
4. Commercial and industrial loans: ////////////////// /////////////////
a. To U.S. addressees (domicile) ....................................... 1763 3,427,557 1763 3,427,557 4.a.
b. To non-U.S. addressees (domicile) ................................... 1764 44 1764 44 4.b.
5. Acceptances of other banks: ////////////////// /////////////////
a. Of U.S. banks ....................................................... 1756 3,759 1756 3,759 5.a.
b. Of foreign banks .................................................... 1757 0 1757 0 5.b.
6. Loans to individuals for household, family, and other personal ////////////////// /////////////////
expenditures (i.e., consumer loans) (includes purchased paper) ......... ////////////////// 1975 3,982,578 6.
a. Credit cards and related plans (includes check credit and other ////////////////// /////////////////
revolving credit plans) ............................................. 2008 547,535 ///////////////// 6.a.
b. Other (includes single payment, installment, and all student loans).. 2011 3,435,043 ///////////////// 6.b.
7. Loans to foreign governments and official institutions (including ////////////////// /////////////////
foreign central banks) ................................................. 2081 5 2081 5 7.
8. Obligations (other than securities and leases) of states and political ////////////////// /////////////////
subdivisions in the U.S. (includes nonrated industrial development ////////////////// /////////////////
obligations) ........................................................... 2107 66,497 2107 66,497 8.
9. Other loans ............................................................ 1563 104,222 ///////////////// 9.
a. Loans for purchasing or carrying securities (secured and unsecured).. ////////////////// 1545 10,718 9.a.
b. All other loans (exclude consumer loans) ............................ ////////////////// 1564 93,504 9.b.
10. Lease financing receivables (net of unearned income) ................... ////////////////// 2165 1,099,815 10.
a. Of U.S. addressees (domicile) ....................................... 2182 1,099,815 ///////////////// 10.a.
b. Of non-U.S. addressees (domicile) ................................... 2183 0 ///////////////// 10.b.
11. LESS: Any unearned income on loans reflected in items 1-9 above ....... 2123 697 2123 697 11.
12. Total loans and leases, net of unearned income (sum of items 1 ////////////////// /////////////////
through 10 minus item 11) (total of column A must equal ////////////////// /////////////////
Schedule RC, item 4.a) ................................................. 2122 14,842,799 2122 14,842,799 12.
--------------------------------------
16
19
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-7
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC -- CONTINUED
PART I. CONTINUED
-----------------------
Memoranda Dollar Amounts in Thousands //////// Bil Mil Thou
- --------------------------------------------------------------------------------------------------- -----------------------
1. Not applicable //////////////////////
2. Loans and leases restructured and in compliance with modified terms (included in Schedule //////////////////////
RC-C, part I, above and not reported as past due or nonaccrual in Schedule RC-N, //////////////////////
Memorandum item 1): //////////////////////
a. Loans secured by real estate: //////////////////////
(1) To U.S. addressees (domicile)........................................................... RCFD 1687 1,369 M.2.a.(1)
(2) To non-U.S. addressees (domicile)....................................................... RCFD 1689 0 M.2.a.(2)
b. All other loans and all lease financing receivables (exclude loans to individuals for //////////////////////
household, family, and other personal expenditures)......................................... RCFD 8691 0 M.2.b.
c. Commercial and industrial loans to and lease financing receivables of non-U.S. //////////////////////
addresses (domicile) included in Memorandum item 2.b above.................................. RCFD 8692 0 M.2.c.
3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): //////////////////////
a. CLOSED-END LOANS SECURED BY FIRST LIENS ON 1-4 FAMILY RESIDENTIAL PROPERTIES IN DOMESTIC //////////////////////
OFFICES WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF: (1)(2) //////////////////////
(1) THREE MONTHS OR LESS.................................................................... RCON A564 333,827 M.3.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS..................................................... RCON A565 407,232 M.3.a.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS....................................................... RCON A566 237,058 M.3.a.(3)
(4) OVER THREE YEARS THROUGH FIVE YEARS..................................................... RCON A567 72,311 M.3.a.(4)
(5) OVER FIVE YEARS THROUGH 15 YEARS........................................................ RCON A568 240,245 M.3.a.(5)
(6) OVER 15 YEARS........................................................................... RCON A569 207,981 M.3.a.(6)
b. ALL LOANS AND LEASES OTHER THAN CLOSED-END LOANS SECURED BY FIRST LIENS ON 1-4 FAMILY //////////////////////
RESIDENTIAL PROPERTIES IN DOMESTIC OFFICES WITH A REMAINING MATURITY OR REPRICING //////////////////////
FREQUENCY OF: (1)(3) //////////////////////
(1) THREE MONTHS OR LESS.................................................................... RCFD A570 7,274,923 M.3.b.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS..................................................... RCFD A571 1,791,054 M.3.b.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS....................................................... RCFD A572 3,430,512 M.3.b.(3)
(4) OVER THREE YEARS THROUGH FIVE YEARS..................................................... RCFD A573 399,304 M.3.b.(4)
(5) OVER FIVE YEARS THROUGH 15 YEARS........................................................ RCFD A574 290,666 M.3.b.(5)
(6) OVER 15 YEARS........................................................................... RCFD A575 102,304 M.3.b.(6)
c. FIXED RATE AND FLOATING RATE LOANS AND LEASES WITH A REMAINING MATURITY OF ONE YEAR //////////////////////
OR LESS (INCLUDED IN MEMORANDUM ITEMS 3.A AND 3.B ABOVE).................................... RCFD A247 9,807,036 M.3.c.
d. FIXED RATE AND FLOATING RATE LOANS SECURED BY NONFARM NONRESIDENTIAL PROPERTIES //////////////////////
IN DOMESTIC OFFICES (4) WITH A REMAINING MATURITY OF OVER FIVE YEARS (INCLUDED IN //////////////////////
MEMORANDUM ITEM 3.B ABOVE).................................................................. RCON A577 292,057 M.3.d.
e. FIXED RATE AND FLOATING RATE COMMERCIAL AND INDUSTRIAL LOANS (5) WITH A REMAINING //////////////////////
MATURITY OF OVER THREE YEARS (INCLUDED IN MEMORANDUM ITEM 3.B ABOVE)........................ RCFD A578 305,987 M.3.e.
----------------------
- ----------
(1) Report fixed rate loans and leases by remaining maturity and floating rate
loans by repricing frequency.
(2) Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual
closed-end loans secured by first liens on 1-4 family residential
properties in domestic offices included in Schedule RC-N, Memorandum item
3.c.(2), column C, must equal total closed-end loans secured by first
liens on 1-4 family residential properties from Schedule RC-C, part I,
item 1.c.(2)(a), column B.
(3) Sum of Memorandum items 3.b.(1) through 3.b.(6), plus total nonaccrual
loans and leases from Schedule RC-N, sum of items 1 through 8, column C,
minus nonaccrual closed-end loans secured by first liens on 1-4 family
residential properties in domestic offices included in Schedule RC-N,
Memorandum item 3.c.(2), column C, must equal total loans and leases from
Schedule RC-C, part I, sum of items 1 through 10, column A, minus total
closed-end loans secured by first liens on 1-4 family residential
properties in domestic offices from Schedule RC-C, part I,
item 1.c.(2)(a), column B.
(4) As defined for Schedule RC-C, part I, item 1.e, column B.
(5) As defined for Schedule RC-C, part I, item 4, column A.
17
20
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-8
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-C--CONTINUED
PART I. CONTINUED
Memoranda (continued)
-----------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
4. Loans to finance commercial real estate, construction, and land development activities ///////////////////////
(NOT SECURED BY REAL ESTATE) included in Schedule RC-C, part I, items 4 and 9, column A, ///////////////////////
page RC-6(1)................................................................................ RCFD 2746 0 M.4.
5. Loans and leases held for sale (included in Schedule RC-C, part I, page RC-6)............... RCFD 5369 144,391 M.5.
6. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties ///////////////////////
in domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B, page RC-6) RCON 5370 470,152 M.6.
-----------------------
- ----------------------
(1) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, item 1, column A.
SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be completed only by banks with $1 billion or more in total
assets or with $2 billion or more in par/notional amount of off-balance sheet
derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e,
columns A through D).
----
C420 <-
-----------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
ASSETS ///////////////////////
1. U.S. Treasury securities in domestic offices.............................................. RCON 3531 0 1.
2. U.S. Government agency obligations in domestic offices (exclude mortgage-backed
securities)............................................................................... RCON 3532 0 2.
3. Securities issued by states and political subdivisions in the U.S. in domestic offices.... RCON 3533 0 3.
4. Mortgage-backed securities (MBS) in domestic offices: ///////////////////////
a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA.................. RCON 3534 0 4.a.
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA ///////////////////////
(include CMOs, REMICs, and stripped MBS).............................................. RCON 3535 0 4.b.
c. All other mortgage-backed securities.................................................. RCON 3536 0 4.c.
5. Other debt securities in domestic offices................................................. RCON 3537 0 5.
6. Certificates of deposit in domestic offices............................................... RCON 3538 0 6.
7. Commercial paper in domestic offices...................................................... RCON 3539 0 7.
8. Bankers acceptances in domestic offices................................................... RCON 3540 2,481 8.
9. Other trading assets in domestic offices.................................................. RCON 3541 0 9.
10. Trading assets in foreign offices......................................................... RCFN 3542 0 10.
11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity ///////////////////////
contracts: ///////////////////////
a. In domestic offices................................................................... RCON 3543 0 11.a.
b. In foreign offices.................................................................... RCFN 3543 0 11.b.
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)......... RCFD 3545 2,481 12.
-----------------------
-----------------------
LIABILITIES ///////// Bil Mil Thou
-----------------------
13. Liability for short positions............................................................. RCFD 3546 0 13.
14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity ///////////////////////
contracts................................................................................. RCFD 3547 0 14.
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b) RCFD 3548 0 15.
-----------------------
18
21
Legal Title of Bank: The Huntington National Bank Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. Box 1558 Page RC-8a
City, State Zip: Columbus, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-C--CONTINUED
PART II. LOANS TO SMALL BUSINESSES AND SMALL FARMS
Schedule RC-C, Part II is to be reported only with the June Report of Condition.
Report the number and amount currently outstanding as of June 30 of business
loans with "original amounts" of $1,000,000 or less and farm loans with
"original amounts" of $500,000 or less. The following guidelines should be used
to determine the "original amount" of a loan: (1) For loans drawn down under
lines of credit or loan commitments, the "original amount" of the loan is the
size of the line of credit or loan commitment when the line of credit or loan
commitment was MOST RECENTLY approved, extended, or renewed prior to the report
date. However, if the amount currently outstanding as of the report date
exceeds this size, the "original amount" is the amount currently outstanding on
the report date. (2) For loan participations and syndications, the "original
amount" of the loan participations or syndication is the entire amount of the
credit originated by the lead lender. (3) For all other loans, the "original
amount" is the total amount of the loan at origination or the amount currently
outstanding as of the report date, whichever is larger.
LOANS TO SMALL BUSINESSES
1. Indicate in the appropriate box at the right whether all or substantially
all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential properties"
in domestic offices reported in Schedule RC-C, part I, item 1.e, column B, AND all or substantially C418 <-
all of the dollar volume of your bank's "Commercial and industrial loans to U.S. addressees" in -----------------------
domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have ORIGINAL AMOUNTS of RCON YES NO
$100,000 or less (if your bank has no loans outstanding in BOTH of these two loan categories, -----------------------
place an "x" in the box marked "no".)......................................................... 6999 /// x 1.
-----------------------
if yes, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
if no and your bank has loans outstanding in either loan category, skip items 2.a and 2.b,
complete items 3 and 4 below, and go to item 5.
if no and your bank has no loans outstanding in both loan categories, skip items 2 through 4,
and go to item 5.
-----------------
number of loans
2. Report the total NUMBER of loans CURRENTLY OUTSTANDING for each of the -----------------
following schedule rc-c, part i, loan categories: RCON ////////////
a. "Loans secured by nonfarm nonresidential properties" in domestic offices /////////////////
reported in Schedule RC-C, part I, item 1.e, column B. (Note: Item 1.e, /////////////////
column B, divided by the number of loans should NOT exceed $100,000.)..... 5562 N/A 2.a.
b. "Commercial and industrial loans to U.S. addressees" in domestic offices /////////////////
reported in Schedule RC-C, part I, item 4.a, column B. (Note: Item 4.a, /////////////////
column B, divided by the number of loans should NOT exceed $100,000.)..... 5563 N/A 2.b.
------------------
-------------------------------------
(Column A) (Column B)
Amount
Currently
Number of Loans Outstanding
Dollar Amounts in Thousands RCON ///////////// RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
3. Number and amount CURRENTLY OUTSTANDING of "Loans secured by nonfarm //////////////////////////////////////
nonresidential properties" in domestic offices reported in Schedule RC-C, //////////////////////////////////////
part I, item 1.e, column B (sum of items 3.a through 3.c must be less than //////////////////////////////////////
or equal to Schedule RC-C, part I, item 1.e, column B): //////////////////////////////////////
a. With ORIGINAL AMOUNTS of $100,000 or less ................................. 5564 3,810 5565 134,704 3.a.
b. With ORIGINAL AMOUNTS of more than $100,000 or less ....................... 5566 2,278 5567 288,932 3.b.
c. With ORIGINAL AMOUNTS of more than $250,000 through $1,000,000............. 5568 2,206 5569 804,460 3.c.
4. Number and amount CURRENTLY OUTSTANDING of "Commercial and industrial //////////////////////////////////////
loans to U.S. addressees" in domestic offices reported in Schedule RC-C, //////////////////////////////////////
part I, item 4.a, column B (sum of items 4.a through 4.c must be less than //////////////////////////////////////
or equal to Schedule RC-C, part I, item 4.a, column B): //////////////////////////////////////
a. With ORIGINAL AMOUNTS of $100,000 or less.................................. 5570 21,664 5571 325,232 4.a.
b. With ORIGINAL AMOUNTS more than $100,000 through $250,000.................. 5572 2,352 5573 267,899 4.b.
c. With ORIGINAL AMOUNTS more than $250,000 through $1,000,000................ 5574 2,103 5575 689,978 4.c.
--------------------------------------
18a
22
Legal Title of Bank: The HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-8b
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-C--CONTINUED
PART II. CONTINUED
AGRICULTURAL LOANS TO SMALL FARMS
5. Indicate in the appropriate box at the right whether all or substantially
all of the dollar volume of your bank's "Loans secured by farmland
(including farm residential and other improvements)" in domestic offices
reported in Schedule RC-C, part I, item 1.b, column B, AND all or
substantially all of the dollar volume of your bank's "Loans to finance
agricultural production and other loans to farmers" in domestic offices
reported in Schedule RC-C, part I, item 3, column B, have ORIGINAL AMOUNTS
of $100,000 or less (If your bank has no loans outstanding in BOTH of these
two loan categories, YES NO
-------------
place an "X" in the box marked "NO".) ....... 6860 /// X 5.
-------------
If YES, complete items 6.a and 6.b below and do not complete item 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items
6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not
complete items 6 through 8.
---------------------
6. Report the total NUMBER of loans CURRENTLY OUTSTANDING for each of the Number of Loans
following Schedule RC-C, part I, loan categories: ---------------------
a. "Loans secured by farmland (including farm residential and other RCON ////////////////
improvements)" in domestic offices reported in Schedule RC-C, part ////////////////////
I, item 1.b, column B. (Note: Item 1.b, column B, divided by the number ///////////////////
of loans should NOT exceed $100,000.) .................................. 5576 N/A 6.a.
-------------------
b. "Loans to finance agricultural production and other loans to farmers" in
domestic offices reported in Schedule RC-C, part I, item 3, column B. ///////////////////
(Note: Item 3, column B, divided by the number of loans should NOT ///////////////////
exceed $100,000.) ...................................................... 5577 N/A 6.b.
--------------------
---------------------------------------
(Column A) (Column B)
Amount
Currently
Number of Loans Outstanding
---------------------------------------
Dollar Amounts in Thousands RCON //////////// RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
7. Number and amount CURRENTLY OUTSTANDING of "Loans secured by farmland ///////////////////////////////////////
(including farm residential and other improvements)" in domestic offices ////////////////////////////////////////
reported in Schedule RC-C, part I, item 1.b, column B (sum of items 7.a ////////////////////////////////////////
through 7.c must be less than or equal to Schedule RC-C, part I, item 1.b, ////////////////////////////////////////
column B): ////////////////////////////////////////
a. With ORIGINAL AMOUNTS of $100,000 or less ............................. 5578 127 5579 5,655 7.a.
b. With ORIGINAL AMOUNTS of more than $100,000 through $250,000 .......... 5580 66 5581 7,653 7.b.
c. With ORIGINAL AMOUNTS of more than $250,000 through $500,000 .......... 5582 9 5583 2,771 7.c.
8. Number and amount CURRENTLY OUTSTANDING of "Loans to financial agricultural ///////////////////////////////////////
production and other loans to farmers" in domestic offices reported in ////////////////////////////////////////
Schedule RC-C, part I, item 3, column B (sum of items 8.a through 8.c ////////////////////////////////////////
must be less than or equal to Schedule RC-C, part I, item 3, column B): ////////////////////////////////////////
a. With ORIGINAL AMOUNTS of $100,000 or less ............................. 5584 1,197 5585 31,133 8.a.
b. With ORIGINAL AMOUNTS of more than $100,000 through $250,000 .......... 5586 214 5587 26,275 8.b.
c. With ORIGINAL AMOUNTS of more than $250,000 through $500,000 .......... 5588 55 5589 14,485 8.c.
- ----------------------------------------------------------------------------------------------------------------------
23
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. Box 1558 Page RC-9
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-E--DEPOSIT LIABILITIES
PART I. DEPOSITS IN DOMESTIC OFFICES
C425
Nontransaction
Transaction Accounts Accounts
-------------------------------------------------------------
(Column A) (Column B) (Column C)
Total transaction Memo: Total Total
accounts (including demand deposits nontransaction
total demand (included in accounts
deposits) column A) (including MMDAs)
-----------------------------------------------------------
Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
Deposits of: ///////////////// ///////////////// /////////////////
1. Individuals, partnerships, and corporations........... 2201 2,872,521 2240 2,240,279 2346 10,762,236 1.
2. U.S. Government....................................... 2202 7,336 2280 7,336 2520 0 2.
3. States and political subdivisions in the U.S. ........ 2203 82,776 2290 82,776 2530 331,284 3.
4. Commercial banks in the U.S. ......................... 2206 60,359 2310 60,359 2550 0 4.
5. Other depository institutions in the U.S. ............ 2207 5,490 2312 5,490 2349 0 5.
6. Banks in foreign countries............................ 2213 3,718 2320 3,718 2236 0 6.
7. Foreign governments and official institutions ///////////////// ///////////////// /////////////////
(including foreign central banks)..................... 2216 0 2300 0 2377 0 7.
8. Certified and official checks......................... 2330 61,299 2330 61,299 ///////////////// 8.
9. Total (sum of items 1 through 8) (sum of ///////////////// ///////////////// /////////////////
columns A and C must equal Schedule RC, ///////////////// ///////////////// /////////////////
item 13.a)............................................ 2215 3,093,499 2210 2,461,257 2385 11,093,520 9.
-----------------------------------------------------------
Memoranda
Dollar Amounts in Thousands RCON Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
1. Selected components of total deposits (i.e., sum of item 9, columns A and C): /////////////////
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts.......................... 6835 849,628 M.1.a.
b. Total brokered deposits...................................................................... 2365 440,326 M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above): /////////////////
(1) Issued in denominations of less than $100,000 .......................................... 2343 0 M.1.c. (1)
(2) Issued EITHER in denominations of $100,00O OR in denominations greater than /////////////////
$100,000 and participated out by the broker in shares of $100,000 or less............... 2344 0 M.1.c. (2)
d. Maturity data for brokered deposits: /////////////////
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining /////////////////
maturity of one year or less (included in Memorandum item 1.c. (1) above) .............. A243 0 M.1.d. (1)
(2) Brokered deposits issued in denominations of $100,000 or more with a remaning /////////////////
maturity of one year or less (included in Memorandum item 1.b above) ................... A244 440,326 M.1.d. (2)
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. /////////////////
reported in item 3 above which are secured or collateralized as required under state law) ... 5590 38,123 M.1.e.
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d /////////////////
must equal item 9, column C above): /////////////////
a. Savings deposits: /////////////////
(1) Money market deposit accounts (MMDAs) .................................................. 6810 2,072,343 M.2.a. (1)
(2) Other savings deposits (excludes MMDAs) ................................................ 0352 2,737,234 M.2.a. (2)
b. Total time deposits of less than $100,000 ................................................... 6648 4,885,968 M.2.b.
c. Total time deposits of $100,000 or more ..................................................... 2604 1,397,975 M.2.c.
3. All NOW accounts (included in column A above) ................................................... 2398 552,835 M.3.
4. Not applicable -----------------
19
24
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. Box 1558 Page RC-10
City, State Zip: Columbus, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-E--CONTINUED
PART I. CONTINUED
Memoranda (continued)
Dollar Amounts in Thousands RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
5. MATURITY AND REPRICING DATA FOR TIME DEPOSITS OF LESS THAN $100,000: //////////////////
A. TIME DEPOSITS OF LESS THAN $100,000 WITH A REMAINING MATURITY OR REPRICING FREQUENCY //////////////////
OF: (1) (2) //////////////////
(1) THREE MONTHS OR LESS................................................................ A579 842,903 M.5.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS................................................. A580 1,823,661 M.5.a.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS................................................... A581 1,820,126 M.5.a.(3)
(4) OVER THREE YEARS.................................................................... A582 399,278 M.5.a.(4)
B. FIXED RATE AND FLOATING RATE TIME DEPOSITS OF LESS THAN $100,000 WITH A REMAINING MATURITY //////////////////
OF ONE YEAR OR LESS (INCLUDED IN MEMORANDUM ITEMS 5.A.(1) THROUGH 5.A.(4) ABOVE)......... A241 2,666,564 M.5.b.
6. MATURITY AND REPRICING DATA FOR TIME DEPOSITS OF $100,000 OR MORE: //////////////////
A. TIME DEPOSITS OF $100,000 OR MORE WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF:(1)(3) //////////////////
(1) THREE MONTHS OR LESS................................................................ A584 655,065 M.6.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS................................................. A585 601,153 M.6.a.(2)
(3) OVER ONE YEAR THROUGH THREE YEARS................................................... A586 104,260 M.6.a.(3)
(4) OVER THREE YEARS.................................................................... A587 37,497 M.6.a.(4)
B. FIXED RATE AND FLOATING RATE TIME DEPOSITS OF $100,000 OR MORE WITH A REMAINING MATURITY OF //////////////////
ONE YEAR OR LESS (INCLUDED IN MEMORANDUM ITEMS 6.A.(1) THROUGH 6.A.(4) ABOVE............. A242 1,256,218 M.6.b.
- -----------------------------
(1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by repricing frequency.
(2) SUM OF MEMORANDUM items 5.a.(1) through 5.a.(4) must equal Schedule RC-E, Memorandum item 2.b above.
(3) Sum of Memorandum items 6.a.(1) through 6.a.(4) must equal Schedule RC-E, Memorandum item 2.c above.
20
25
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-11
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-E--CONTINUED
PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND
AGREEMENT SUBSIDIARIES AND IBFs)
-----------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
Deposits of: /////////////////
1. Individuals, partnerships, and corporations........................................................ 2621 92,300 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks)..................................... 2623 305,000 2.
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs......... 2625 0 3.
4. Foreign governments and official institutions (including foreign central banks).................... 2650 0 4.
5. Certified and official checks...................................................................... 2330 0 5.
6. All other deposits................................................................................. 2668 52,212 6.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b)............................... 2200 449,512 7.
Memorandum
-----------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. Time deposits with a remaining maturity of one year or less (included in Part II, item 7 above) A245 449,512 M.1.
SCHEDULE RC-F--OTHER ASSETS
--------
C430 <-
-----------------
Dollar Amounts in Thousands //// Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. Income earned, not collected on loans.............................................................. RCFD 2164 76,301 1.
2. Net deferred tax assets (1)........................................................................ RCFD 2148 0 2.
3. INTEREST-ONLY STRIPS RECEIVABLE (NOT IN THE FORM OF A SECURITY) (2) ON: /////////////////
a. MORTGAGE LOANS................................................................................. RCFD A519 0 3.a.
b. OTHER FINANCIAL ASSETS ........................................................................ RCFD A520 0 3.b.
4. Other (itemize and describe amounts that exceed 25% of this item).................................. RCFD 2168 256,960 4.
--------- ----------------------------------
a. TEXT 3549 RCFD 3549 ///////////////// 4.a.
------------------------------------------------------------
b. TEXT 3550 RCFD 3550 ///////////////// 4.b.
------------------------------------------------------------
c. TEXT 3551 RCFD 3551 ///////////////// 4.c.
-----------------------------------------------------------------------------------------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11)................................. RCFD 2160 333,261 5.
-----------------
Memorandum Dollar Amounts in Thousands //// Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. Deferred tax assets disallowed for regulatory capital purposes...................................... RCFD 5610 0 M.1.
SCHEDULE RC-G--OTHER LIABILITIES
--------
C435 <-
-----------------
Dollar Amounts in Thousands //// Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. a. Interest accrued and unpaid on deposits in domestic offices (3) ............................... RCON 3645 92,738 1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable)...................... RCFD 3646 134,538 1.b.
2. Net deferred tax liabilities (1) .................................................................. RCFD 3049 30,152 2.
3. Minority interest in consolidated subsidiaries..................................................... RCFD 3000 49 3.
4. Other (itemize and describe amounts that exceed 25% of this item).................................. RCFD 2938 37,487 4.
----------------------------------
a. TEXT 3552 RCFD 3552 ///////////////// 4.a.
------------------------------------------------------------
b. TEXT 3553 RCFD 3553 ///////////////// 4.b.
------------------------------------------------------------
c. TEXT 3554 RCFD 3554 ///////////////// 4.c.
-----------------------------------------------------------------------------------------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................. RCFD 2930 294,964 5.
- ---------------
(1) See discussion of deferred income taxes in Glossary entry on "income
taxes."
(2) Report interest-only strips receivable in the form of a security as
available-for-sale securities in Schedule RC, item 2.b, or as trading
assets in Schedule RC, item 5, as appropriate.
(3) For savings banks, include "dividends" accrued and unpaid on deposits.
21
26
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-12
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-H--SELECTED BALANCE SHEET ITEMS FOR DOMESTIC OFFICES
-----------
C440
-----------
Domestic Offices
Dollar Amounts in Thousands RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Customers' liability to this bank on acceptances outstanding ................................. 2155 42,573 1.
2. Bank's liability on acceptances executed and outstanding ...................................... 2920 42,573 2.
3. Federal funds sold and securities purchased under agreements to resell ....................... 1350 33,204 3.
4. Federal funds purchased and securities sold under agreements to repurchase ................... 2800 1,436,086 4.
5. Other borrowed money ......................................................................... 3190 2,573,113 5.
EITHER //////////////////
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs .................. 2163 N/A 6.
OR //////////////////
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs .................... 2941 458,342 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs) ........................................................................................ 2192 21,040,574 8.
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs) ........................................................................................ 3129 18,999,200 9.
----------------------
-----------------------
ITEMS 10-17 INCLUDE HELD-TO-MATURITY AND AVAILABLE-FOR-SALE SECURITIES IN DOMESTIC OFFICES. RCON Bil Mil Thou
-----------------------
10. U.S. Treasury securities ..................................................................... 1779 674,382 10.
11. U.S. Government agency obligations (exclude mortgage-backed securities) ...................... 1785 1,502,271 11.
12. Securities issued by states and political subdivisions in the U.S. ........................... 1786 88,820 12.
13. Mortgage-backed securities (MBS): ///////////////////
a. Pass-through securities: ///////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA .......................................... 1787 1,152,909 13.a.(1)
(2) Other pass-through securities ......................................................... 1869 0 13.a.(2)
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): ///////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA .......................................... 1877 572,828 13.b.(1)
(2) All other mortgage-backed securities .................................................. 2253 23,706 13.b.(2)
14. Other domestic debt securities ............................................................... 3159 391,714 14.
15. Foreign debt securities ...................................................................... 3160 3,486 15.
16. Equity securities: ///////////////////
a. Investments in mutual funds and other equity securities with readily ///////////////////
determinable fair values .................................................................. A513 42 16.a.
b. All other equity securities ............................................................... 3169 33,424 16.b.
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16) ........ 3170 4,443,582 17.
-----------------------
Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
-----------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
EITHER ///////////////////
1. Net due from the IBF of the domestic offices of the reporting bank ........................... 3051 N/A M.1.
OR ///////////////////
2. Net due to the IBF of the domestic offices of the reporting bank ............................. 3059 N/A M.2.
-----------------------
22
27
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-13
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-I--SELECTED ASSETS AND LIABILITIES OF IBFS
TO BE COMPLETED ONLY BY BANKS WITH IBFS AND OTHER "FOREIGN" OFFICES.
------------------------
C445 <-
------------------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------------
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ............... 2133 N/A 1.
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I, //////////////////////
item 12, column A) .......................................................................... 2076 N/A 2.
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4, //////////////////////
column A).................................................................................... 2077 N/A 3.
4. Total IBF liabilities (component of Schedule RC, item 21) ................................... 2898 N/A 4.
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E, //////////////////////
part II, items 2 and 3) ..................................................................... 2379 N/A 5.
6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4, 5, and 6) ... 2381 N/A 6.
SCHEDULE RC-K--QUARTERLY AVERAGES (1)
-----------------------
C455 <-
------------------------
Dollar Amounts in Thousands ////// Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
ASSETS ///////////////////////
1. Interest-bearing balances due from depository institutions ................................. RCFD 3381 353 1.
2. U.S. Treasury securities and U.S. Government agency obligations (2) ........................ RCFD 3382 4,398,793 2.
3. Securities issued by states and political subdivisions in the U.S. (2) ..................... RCFD 3383 58,009 3.
4. a. Other debt securities (2) ............................................................... RCFD 3647 433,748 4.a.
b. Equity securities (3)(includes investments in mutual funds and Federal Reserve stock).... RCFD 3648 33,466 4.b.
5. Federal funds sold and securities purchased under agreements to resell ..................... RCFD 3365 26,722 5.
6. Loans: ///////////////////////
a. Loans in domestic offices: ///////////////////////
(1) Total loans ......................................................................... RCON 3360 13,623,322 6.a.(1)
(2) Loans secured by real estate ........................................................ RCON 3385 4,687,450 6.a.(2)
(3) Loans to finance agricultural production and other loans to farmers ................. RCON 3386 88,116 6.a.(3)
(4) Commercial and industrial loans...................................................... RCON 3387 4,518,401 6.a.(4)
(5) Loans to individuals for household, family, and other personal expenditures ......... RCON 3388 4,326,640 6.a.(5)
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs ............... RCFN 3360 0 6.b.
7. Trading assets ......................................................................... RCFD 3401 3,967 7.
8. Lease financing receivables (net of unearned income) ....................................... RCFD 3484 1,080,771 8.
9. Total assets (4) ........................................................................... RCFD 3368 20,987,023 9.
LIABILITIES ///////////////////////
10. Interest-bearing transaction accounts in domestic offices (NOW accounts, ATS accounts, ///////////////////////
and telephone and preauthorized transfer accounts) (exclude demand deposits) .............. RCON 3485 1,539,632 10.
11. Nontransaction accounts in domestic offices: ///////////////////////
a. Money market deposit accounts (MMDAs) .................................................. RCON 3486 856,143 11.a.
b. Other savings deposits ................................................................. RCON 3487 2,845,110 11.b.
c. Time deposits if $100,000 or more ...................................................... RCON A514 1,326,217 11.c.
d. Time deposits of less than $100,000 .................................................... RCON A529 4,770,547 11.d.
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs ... RCFN 3404 571,719 12.
13. Federal funds purchased and securities sold under agreements to repurchase................. RCFD 3353 1,503,127 13.
14. Other borrowed money (includes mortgage indebtedness and obligations under capitalized ///////////////////////
leases) .................................................................................. RCFD 3355 2,634,999 14.
- -------------
(1) For all items, banks have the option of reporting either (1) an average of
daily figures for the quarter, or (2) an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on historical
cost.
(4) The quarterly average for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
23
28
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-14
City, State Zip: COLUMBUS, OH 43216
FDIC Certification No.: 06560
SCHEDULE RC-L--OFF BALANCE SHEET ITEMS
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
--------
C460
----------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
1. Unused commitments: //////////////////
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity //////////////////
lines ....................................................................................... 3814 1,177,309 1.a.
b. Credit card lines ........................................................................... 3815 1,787,377 1.b.
c. Commercial real estate, construction, and land development: //////////////////
(1) Commitments to fund loans secured by real estate ........................................ 3816 490,383 1.c.(1)
(2) Commitments to fund loans not secured by real estate .................................... 6550 0 1.c.(2)
d. Securities underwriting ..................................................................... 3817 0 1.d.
e. Other unused commitments .................................................................... 3818 2,500,689 1.e
2. Financial standby letters of credit and foreign office guarantees .............................. 3819 502,716 2.
a. Amount of financial standby letters of credit conveyed to others | RCFD 3820 | 90,482 ////////////////// 2.a.
3. Performance standby letters of credit and foreign office guarantees ............................ 3821 117,889 3.
a. Amount of performance standby letters of credit conveyed to others | RCFD 3822 | 34,005 ////////////////// 3.a.
4. Commercial and similar letters of credit ....................................................... 3411 145,722 4.
5. Participations in acceptances (as described in the instructions) conveyed to others by the //////////////////
reporting bank ................................................................................. 3428 0 5.
6. Participations in acceptances (as described in the instructions) acquired by the reporting //////////////////
(nonaccepting) bank ............................................................................ 3429 0 6.
7. Securities borrowed ............................................................................ 3432 0 7.
8. Securities lent (including customers' securities lent where the customer is indemnified against //////////////////
loss by the reporting bank) .................................................................... 3433 0 8.
9. FINANCIAL ASSETS TRANSFERRED WITH RECOURSE THAT HAVE BEEN TREATED AS SOLD FOR //////////////////
CALL REPORT PURPOSES: //////////////////
a. FIRST LIEN 1-TO-4 FAMILY RESIDENTIAL MORTGAGE LOANS: //////////////////
(1) OUTSTANDING PRINCIPAL BALANCE OF MORTGAGES TRANSFERRED AS OF THE REPORT DATE ............ A521 15,154 9.a.(1)
(2) AMOUNT OF RECOURSE EXPOSURE ON THESE MORTGAGES AS OF THE REPORT DATE .................... A522 15,154 9.a.(2)
b. OTHER FINANCIAL ASSETS (EXCLUDING SMALL BUSINESS OBLIGATIONS REPORTED IN ITEM 9.C) : //////////////////
(1) OUTSTANDING PRINCIPAL BALANCE OF ASSETS TRANSFERRED AS OF THE REPORT DATE ............... A523 0 9.b.(1)
(2) Amount of recourse exposure on these assets as of the report date ....................... A524 0 9.b.(2)
c. Small business obligations transferred with recourse under Section 208 of the //////////////////
Riegle Community Development and Regulatory Improvement Act of 1994: //////////////////
(1) Outstanding principal balance of small business obligations transferred //////////////////
as of the report date ................................................................... A249 0 9.c.(1)
(2) Amount of retained recourse on these obligations as of the report date .................. A250 0 9.c.(2)
10. NOTIONAL AMOUNT OF CREDIT DERIVATIVES: //////////////////
a. CREDIT DERIVATIVES ON WHICH THE REPORTING BANK IS THE GUARANTOR ............................. A534 0 10.a.
b. CREDIT DERIVATIVES ON WHICH THE REPORTING BANK IS THE BENEFICIARY ........................... A535 0 10.b.
11. Spot foreign exchange contracts ................................................................ 8765 5,468 11.
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize and //////////////////
describe each component of this item over 25% of Schedule RC, item 28, "Total equity capital") 3430 0 12.
------------- -------------------- //////////////////
a. TEXT 3555 ___________________________________________________________ RCFD 3555 ////////////////// 12.a.
b. TEXT 3556 ___________________________________________________________ RCFD 3556 ////////////////// 12.b.
c. TEXT 3557 ___________________________________________________________ RCFD 3557 ////////////////// 12.c.
d. TEXT 3558 ___________________________________________________________ RCFD 3558 ////////////////// 12.D.
------------ ------------------------------------------
24
29
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-15
City, State Zip COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-L--CONTINUED
-------------------------
Dollar Amount in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize and //////////////////////
describe each component of this item over 25% of Schedule RC, item 28, "Total equity capital") 5591 0 13.
----------- ------------------------------------ //////////////////////
a. TEXT 5592 RCFD 5592 ////////////////////// 13.a.
b. TEXT 5593 ------------------------------------------- RCFD 5593 ////////////////////// 13.b.
c. TEXT 5594 ------------------------------------------- RCFD 5594 ////////////////////// 13.c.
d. TEXT 5595 ------------------------------------------- RCFD 5595 ////////////////////// 13.d.
- ----------------------------------------------------------------------------------------------------------------------------
------------
C461
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
- -------------------------------------------- Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives ---------------- ----------------- ----------------- -----------------
Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou
Position Indicators ------------------ ----------------- ----------------- -----------------
- --------------------------------------------
14. Gross amounts (e.g., notional //////////////// ///////////// ////////////// ///////////////
amounts) (for each column, sum of //////////////// ///////////// ////////////// ///////////////
items 14.a through 14.e must equal //////////////// ///////////// ////////////// ///////////////
sum of items 15, 16.a, and 16.b): //////////////// ///////////// ////////////// ///////////////
a. Futures contracts ................. 0 0 0 0 14.a.
RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696
b. Forward contracts ................. 207,062 27,196 0 0 14.b.
RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700
c. Exchange-traded option contracts: //////////////// ///////////// ///////////// ///////////////
(1) Written options ............... 0 0 0 0 14.c.(1)
RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704
(2) Purchased options ............. 0 0 0 0 14.c.(2)
RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708
d. Over-the-counter option contracts: //////////////// ///////////// ///////////// ///////////////
(1)Written options ................ 73,674 0 0 0 14.d.(1)
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
(2) Purchased options ............. 637,674 0 0 0 14.d.(2)
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
e. Swaps .............................. 2,746,692 766 0 0
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720 14.e
15. Total gross notional amount of //////////////// ////////////// ////////////// ///////////////
derivative contracts held for trading . 728,322 27,196 0 0.15
trading................................ RCFD A126 RCFD A127 RCFD 8723 RCFD 8724
16. Total gross notional amount of //////////////// ////////////// ////////////// ///////////////
derivative contracts held for //////////////// ////////////// ////////////// ///////////////
purposes other than trading: .......... //////////////// ////////////// ////////////// ///////////////
a. Contracts marked to market ......... 471,062 0 0 0 16.a.
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
b. Contracts not marked to market ..... 2,465,718 766 0 0 16.b.
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
c. Interest rate swaps where the bank //////////////// ////////////// ///////////// ///////////////
has agreed to pay a fixed rate ..... 50,000 ////////////// ////////////// /////////////// 16.c.
RCFD A589 /////////////// ////////////// ///////////////
------------------------------------------------------------------------------
25
30
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: #39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-16
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-L--CONTINUED)
______________________________________________________________________________
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
___________________________________ Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives ____________________ ___________________ __________________ _________________
Position Indicators RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
___________________________________________________________________________ __________________ _________________
17. Gross fair values of //////////////////// /////////////////// ////////////////// /////////////////
derivative contracts: //////////////////// /////////////////// ////////////////// /////////////////
a. Contracts held for //////////////////// /////////////////// ////////////////// /////////////////
trading: //////////////////// /////////////////// ////////////////// /////////////////
(1) Gross positive //////////////////// /////////////////// ////////////////// /////////////////
fair value .......... 8733 29,750 8734 236 8735 0 8736 0 17.a.(1)
(2) Gross negative //////////////////// /////////////////// ////////////////// /////////////////
fair value .......... 8737 28,989 8738 218 8739 0 8740 0 17.a.(2)
b. Contracts held for //////////////////// /////////////////// ////////////////// /////////////////
purposes other than //////////////////// /////////////////// ////////////////// /////////////////
trading that are marked //////////////////// /////////////////// ////////////////// /////////////////
to market: //////////////////// /////////////////// ////////////////// /////////////////
(1) Gross positive //////////////////// /////////////////// ////////////////// /////////////////
fair value .......... 8741 4,948 8742 0 8743 0 8744 0 17.b.(1)
(2) Gross negative //////////////////// /////////////////// ////////////////// /////////////////
fair value .......... 8745 1,769 8746 0 8747 0 8748 0 17.b.(2)
c. Contracts held for //////////////////// /////////////////// ////////////////// /////////////////
purposes other than //////////////////// /////////////////// ////////////////// /////////////////
trading that are not //////////////////// /////////////////// ////////////////// /////////////////
marked to market: //////////////////// ////////////////// ////////////////// /////////////////
(1) Gross positive //////////////////// ////////////////// ////////////////// /////////////////
fair value .......... 8749 18,418 8750 110 8751 0 8752 0 17.c.(1)
(2) Gross negative //////////////////// ////////////////// ////////////////// /////////////////
fair value .......... 8753 11,1538 754 0 8756 0 8756 0 17.c.(2)
-------------------- ------------------ ------------------ -----------------
___________________
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou
- --------------------------------------------------------------------------------------------------- __________________
1.-2. Not applicable //////////////////
3. Unused commitments with an original maturity exceeding one year that are reported in //////////////////
Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of commitments //////////////////
that are fee paid or otherwise legally binding) ................................................ 3833 2,216,463 M.3.
a. Participations in commitments with an original maturity _____________________________ //////////////////
exceeding one year conveyed to others ........................ RCFD 3834 395,488 ////////////////// M.3.a.
____________ ________________ //////////////////
4. To be completed only by banks with $1 billion or more in total assets: //////////////////
Standby letters of credit and foreign office guarantees (both financial and performance) issued //////////////////
to non-U.S. addressees (domicile) included in Schedule RC-L, items 2 and 3, above .............. 3377 2,600 M.4.
5. Installment loans to individuals for household, family, and other personal expenditures that //////////////////
have been securitized and sold (with servicing retained), amounts outstanding by type of loan: //////////////////
a. Loans to purchase private passenger automobiles (TO BE COMPLETED FOR THE //////////////////
SEPTEMBER REPORT ONLY) ..................................................................... 2741 N/A M.5.a.
b. Credit cards and related plans (TO BE COMPLETED QUARTERLY) ................................. 2742 0 M.5.b.
c. All other consumer installment credit (including mobile home loans) (TO BE COMPLETED FOR THE //////////////////
SEPTEMBER REPORT ONLY ...................................................................... 2743 N/A M.5.c.
------------------
26
31
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 St-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1958 Page RC-17
City, State, Zip: COLUMBUS, OH 43126
FDIC Certification No.: 06560
SCHEDULE RC-M--MEMORANDA
----------
C465
----------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
1. Extensions of credit by the reporting bank to its executive officers, directors, principal //////////////////
shareholders, and their related interests as of the report date: //////////////////
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal //////////////////
shareholders, and their related interests ................................................... 6164 285,147 1.a.
b. Number of executive officers, directors, and principal shareholders to whom the amount of //////////////////
all extensions of credit by the reporting bank (including extensions of credit to //////////////////
related interests) equals or exceeeds the lesser of $500,000 or 5 percent Number //////////////////
of total capital as defined for this purpose in agency regulations | RCFD 6165 | 28 //////////////////
2. Federal funds sold and securities purchased under agreements to resell with U.S. branches //////////////////
and agencies of FOREIGN BANKS(1) (included in Schedule RC, item 3) ............................. 3405 0 2.
3. Not applicable. //////////////////
4. Outstanding principal balance of 1-4 family residential mortgage loans serviced for others //////////////////
(include both retained servicing and purchased servicing): //////////////////
a. Mortgages serviced under a GNMA contract .................................................... 5500 21,335 4.a.
b. Mortgages serviced under a FHLMC contract: //////////////////
(1) Serviced with recourse to servicer ...................................................... 5501 5,215 4.b.(1)
(2) Serviced without recourse to servicer ................................................... 5502 863,923 4.b.(2)
c. Mortgages serviced under a FNMA contract: //////////////////
(1) Serviced under a regular option contract ................................................ 5503 9,520 4.c.(1)
(2) Serviced under a special option contract ................................................ 5504 3,625,112 4.c.(2)
d. Mortgages serviced under other servicing contracts .......................................... 5505 1,648,741 4.d.
5. To be completed only by banks with $1 billion or more in total assets: //////////////////
Customers' liability to this bank on acceptances outstanding (sum of items 5.a and 5.b must //////////////////
equal Schedule RC, item 9): //////////////////
a. U.S. addressees (domicile) .................................................................. 2103 42,573 5.a.
b. Non-U.S. addressees (domicile) .............................................................. 2104 0 5.b.
6. Intangible assets: //////////////////
a. Mortgage servicing assets ................................................................... 3164 52,954 6.a.
(1) ESTIMATED FAIR VALUE OF MORTGAGE SERVICING ASSETS ................ | RCFD A590 | 56,983 ////////////////// 6.a.(1)
b. Other identifiable intangible assets: //////////////////
(1) Purchased credit card relationships ..................................................... 5506 0 6.b.
(2) All other identifiable intangible assets ................................................ 5507 2,916 6.b.(2)
c. Goodwill .................................................................................... 3163 227,781 6.c.
d. Total (sum of items 6.a, 6.b.(1), 6.b.(2), and 6.c) must equal Schedule RC, item 10) ........ 2143 283,651 6.d.
e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered or //////////////////
are otherwise qualifying for regulatory capital purposes .................................... 6442 0 6.e.
7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to //////////////////
redeem the debt ................................................................................ 3295 0 7.
----------------------
- ----------
(1) Do not report federal funds sold and securities purchased under agreements
to resell with other commercial banks in the U.S. in this item.
27
32
Legal Title of Bank: The Huntington National Bank Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. Box 1558 Page RC-18
City, State Zip: Columbus, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-M--CONTINUED
------------------
Dollar Amounts in Thousands Bil Mil Thou
- --------------------------------------------------------------------------------------------------- ------------------
8. a. Other real estate owned: //////////////////
(1) Direct and indirect investments in real estate ventures .............................. RCFD 5372 0 8.a.(1)
(2) All other real estate owned: //////////////////
(a) Construction and land development in domestic offices ............................ RCON 5508 5,417 8.a.(2)(a)
(b) Farmland in domestic offices ..................................................... RCON 5509 0 8.a.(2)(b)
(c) 1-4 family residential properties in domestic offices ............................ RCON 5510 2,932 8.a.(2)(c)
(d) Multifamily (5 or more) residential properties in domestic offices ............... RCON 5511 310 8.a.(2)(d)
(e) Nonfarm nonresidential properties in domestic offices ............................ RCON 5512 7,579 8.a.(2)(e)
(f) In foreign offices ............................................................... RCFN 5513 0 8.a.(2)(f)
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7 ............ RCFD 2150 16,238 8.a.(3)
b. Investments in unconsolidated subsidiaries and associated companies: //////////////////
(1) Direct and indirect investments in real estate ventures .............................. RCFD 5374 11,034 8.b.(1)
(2) All other investments in unconsolidated subsidiaries and associated companies......... RCFD 5375 0 8.b.(2)
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8 ............. RCFD 2130 11,034 8.b.(3)
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC, //////////////////
item 23, "Perpetual preferred stock and related surplus"...................................... RCFD 3378 0 9.
10.Mutual fund and annuity sales in domestic offices during the quarter (include //////////////////
proprietary, private label, and third party products): ....................................... //////////////////
a. Money market funds ........................................................................ RCON 6641 6,620 10.a.
b. Equity securities funds ................................................................... RCON 8427 18,833 10.b
c. Debt securities funds...................................................................... RCON 8428 10,329 10.c.
d. Other mutual funds......................................................................... RCON 8429 9,733 10.d.
e. Annuities ................................................................................. RCON 8430 23,322 10.e.
f. Sales of proprietary mutual funds and annuities (included in items 10.a through //////////////////
10.e above)................................................................................ RCON 8784 10 10.f.
11. NET UNAMORTIZED REALIZED DEFERRED GAINS (LOSSES) ON OFF-BALANCE SHEET DERIVATIVE //////////////////
CONTRACTS INCLUDED IN ASSETS AND LIABILITIES REPORTED IN SCHEDULE RC ........................ RCFD A525 897 11.
12. AMOUNT OF ASSETS NETTED AGAINST NONDEPOSIT LIABILITIES AND DEPOSITS IN FOREIGN OFFICES //////////////////
(OTHER THAN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS) ON......... //////////////////
THE BALANCE SHEET (SCHEDULE RC) IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING //////////////////
PRINCIPLES (1) .............................................................................. RCFD A526 0 12.
13. OUTSTANDING PRINCIPAL BALANCE OF LOANS OTHER THAN 1-4 FAMILY RESIDENTIAL MORTGAGE //////////////////
LOANS THAT ARE SERVICED FOR OTHERS (TO BE COMPLETED IF THIS BALANCE IS MORE THAN //////////////////
$10 MILLION AND EXCEEDS TEN PERCENT OF TOTAL ASSETS) ........................................ RCFD A591 0 13.
---------------------
- -------------------------------------------------------------------------------------------------------------------------------
Memorandum Dollar Amounts in Thousands RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Reciprocal holdings of banking organizations' capital instruments ///////////////////
(TO BE COMPLETED FOR THE DECEMBER REPORT ONLY) ............................................... 3836 N/A M.1
- -------------------------------------------------------------------------------------------------------------------------------
- --------------
(1) Exclude netted on-balance sheet amounts associated with off-balance sheet
derivative contracts, deferred tax assets netted against deferred tax
liabilities, and assets netted in accounting for pensions.
28
33
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-19
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-N--PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
The FFIEC regards the information reported in
all of Memorancum item 1, in items 1 through 10,
column A, and in Memorandum items 2 through 4,
column A, as confidential.
--------
C470
-------------------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
accruing accruing
-------------------------------------------------------------------
Dollar Amounts in Thousands | RCFD Bil Mil Thous | RCFD Bil Mil Thou | RCFD Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate: /////////////////// ////////////////// ///////////////////
a. To U.S. addressees (domicile) .................... 1245 105,001 1246 11,522 1247 24,140
b. To non-U.S. addressees (domicile) ................ 1248 0 1249 0 1250 0 1.b.
2. Loans to depository institutions and acceptances /////////////////// ////////////////// ///////////////////
of other banks: /////////////////// ////////////////// ///////////////////
a. To U.S. banks and other U.S. depository /////////////////// ////////////////// ///////////////////
institutions ..................................... 5377 0 5378 0 5379 0 2.a.
b. To foreign banks ................................. 5380 0 5381 0 5382 0 2.b.
3. Loans to finance agricultural production and /////////////////// ////////////////// ///////////////////
other loans to farmers .............................. 1594 1,352 1597 404 1583 256 3.
4. Commercial and industrial loans: /////////////////// ////////////////// ///////////////////
a. To U.S. addressees (domicile) .................... 1251 67,475 1252 10,748 1253 30,499 4.a.
b. To non-U.S. addressees (domicile) ................ 1254 0 1255 0 1256 0 4.b.
5. Loans to individuals for household, family, and /////////////////// ////////////////// ///////////////////
other personal expenditures: /////////////////// ////////////////// ///////////////////
a. Credit cards and related plans ................... 5383 10,063 5384 4,059 5385 0 5.a.
b. Other (includes single payment, installment, /////////////////// ////////////////// ///////////////////
and all student loans) ........................... 5386 54,551 5387 4,586 5388 97 5.b.
6. Loans to foreign governments and official /////////////////// ////////////////// ///////////////////
institutions ........................................ 5389 0 5390 0 5391 0 6.
7. All other loans ..................................... 5459 0 5460 0 5461 0 7.
8. Lease financing receivables: /////////////////// ////////////////// ///////////////////
a. Of U.S. addressees (domicile) .................... 1257 13,648 1258 1,697 1259 390 8.a.
b. Of non-U.S. addressees (domicile) ................ 1271 0 1272 0 1791 0 8.b.
9. Debt securities and other assets (exclude other /////////////////// ////////////////// ///////////////////
real estate owned and other repossessed assets) ..... 3505 0 3506 0 3507 0 9.
-----------------------------------------------------------------
====================================================================================================================================
Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and
leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in
items 1 through 8.
-------------------------------------------------------------------
10. Loans and leases reported in items 1 RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
through 8 above which are wholly or partially ////////////////// ////////////////// ///////////////////
guaranteed by the U.S. Government ................. 5612 2,238 5613 3,004 5614 1,231 10.
a. Guaranteed portion of loans and leases ////////////////// ////////////////// ///////////////////
included in item 10 above ...................... 5615 2,102 5616 2,989 5617 675 10.a.
-------------------------------------------------------------------
29
34
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-20
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-N--CONTINUED
--------
C473 <-
----------------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
Memoranda accruing accruing
-----------------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Restructured loans and leases included in ////////////////// ////////////////// //////////////////
Schedule RC-N, items 1 through 8, above (and not ////////////////// ////////////////// //////////////////
reported in Schedule RC-C, part I, Memorandum ////////////////// ////////////////// //////////////////
item 2) .......................................... 1658 0 1659 0 1661 0 M.1.
2. Loans to finance commercial real estate, ////////////////// ////////////////// //////////////////
construction, and land development activities ////////////////// ////////////////// //////////////////
(NOT SECURED BY REAL ESTATE) included in ////////////////// ////////////////// //////////////////
Schedule RC-N, items 4 and 7, above .............. 6558 0 6559 0 6560 0 M.2.
------------------------------------------------------------
3. Loans secured by real estate in domestic offices RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
------------------ ------------------ ------------------
(included in Schedule RC-N, item 1, above) : ////////////////// ////////////////// //////////////////
a. Construction and land development ............ 2759 6,205 2769 1,370 3492 2,276 M.3.a.
b. Secured by farmland .......................... 3483 0 3494 0 3495 0 N.3.b.
c. Secured by 1-4 family residential properties: ////////////////// ////////////////// //////////////////
(1) Revolving, open-end loans secured by ////////////////// ////////////////// //////////////////
1-4 family residential properties and ////////////////// ////////////////// //////////////////
extended under lines of credit .......... 5398 7,646 5399 2,499 5400 0 M.3.c.(1)
(2) All other loans secured by 1-4 family ////////////////// ////////////////// //////////////////
residential properties .................. 5401 59,154 5402 4,996 5403 12,466 M.3.c.(2)
d. Secured by multifamily (5 or more) residential ////////////////// ////////////////// //////////////////
properties ................................... 3499 0 3500 0 3501 0 M. 3.d.
e. Secured by nonfarm nonresidential properties .. 3502 31,996 3503 2,657 3504 9,398 M.3.e.
-----------------------------------------------------------
-------------------------------------------
(Column A) (Column B)
Past due Past due 90
30 through 89 days days or more
-------------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou
-------------------------------------------
4. Interest rate, foreign exchange rate, and other ////////////////// //////////////////
commodity and equity contracts: ////////////////// //////////////////
a. Book value of amounts carried as assets ...... 3522 0 3528 0 M.4.a.
b. Replacement cost of contracts with a ////////////////// //////////////////
positive replacement cost .................... 3529 0 3550 0 M.4.b.
-------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------------
Person to whom questions about the Reports of Condition and Income should be directed: C477 <-
BILL TELZEROW, MANAGER OF FINANCIAL REPORTING (614) 480-4563
- ----------------------------------------------------------------------------- ----------------------------------------------
Name and Title (TEXT 88901) Area code/phone number/extension (TEXT 8902)
30
35
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-21
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-O--OTHER DATA FOR DEPOSIT INSURANCE AND FICO ASSESSMENTS
----
C475
-------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Unposted debits (see instructions): /////////////////
a. Actual amount of all unposted debits .................................................... 0030 0 1.a.
OR /////////////////
b. Separate amount of unposted debits: /////////////////
(1) Actual amount of unposted debits to demand deposits ................................ 0031 N/A 1.b.(1)
(2) Actual amount of unposted debits to time and savings deposits (1) ................... 0032 N/A 1.b.(2)
2. Unposted credits (see instructions): /////////////////
a. Actual amount of all unposted credits: 3510 2,040 2.a.
OR /////////////////
b. Separate amount unposted credits: /////////////////
(1) Actual amount of unposted credits to demand deposits ................................ 3512 N/A 2.b.(1)
(2) Actual amount of unposted credits to time and savings deposits (1) .................. 3514 N/A 2.b.(2)
3. Uninvested trust funds (cash) held in bank's own trust department (not included in total /////////////////
deposits in domestic offices) .............................................................. 3520 0 3.
4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto /////////////////
Rico and U.S. territories and possessions (not included in total deposits): /////////////////
a. Demand deposits in insured branches (included in Schedule RC-E, Part II) ................ 2211 4,632 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries ............................... 2351 0 4.b.
c. Interest accrued and unpaid on deposits of consolidated subsidiaries .................... 5514 0 4.c.
5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions: /////////////////
a. Demand deposits in insured branches (included in Schedule RC-E, Part II) ................ 2229 0 5.a.
b. Time and savings deposits (1) in insured branches (included in Schedule RC-E, Part II) .. 2383 0 5.b.
c. Interest accrued and unpaid on deposits in insured branches /////////////////
(included in Schedule RC-G, item 1.b) ................................................. 5515 0 5.c.
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on /////////////////
behalf of its respondent depository institutions that are also reflected as deposit /////////////////
liabilities of the reporting bank: /////////////////
a. Amount reflected in demand deposits (included in Schedule RC-E, Part I, item 4 or 5, /////////////////
column B) ............................................................................... 2314 0 6.a.
b. Amount reflected in time and savings deposits (1) (included in Schedule RC-E, Part I, /////////////////
item 4 or 5, column A or C, but not column B) ........................................... 2315 0 6.b.
7. Unamortized premiums and discounts on time and savings deposits: (1), (2) /////////////////
a. Unamortized premiums .................................................................... 5516 199 7.a.
b. Unamortized discounts ................................................................... 5517 0 7.b.
8. TO BE COMPLETED BY BANKS WITH "OAKAR DEPOSITS." /////////////////
a. DEPOSITS PURCHASED OR ACQUIRED FROM OTHER FDIC-INSURED INSTITUTIONS DURING THE QUARTER /////////////////
(EXCLUDE DEPOSITS PURCHASED OR ACQUIRED FROM FOREIGN OFFICES OTHER THAN INSURED BRANCHES /////////////////
IN PUERTO RICO AND U.S TERRITORIES AND POSSESSIONS): /////////////////
(1) TOTAL DEPOSITS PURCHASED OR ACQUIRED FROM FOREIGN FDIC-INSURED INSTITUTIONS DURING /////////////////
THE QUARTER ......................................................................... A531 5,656,581 8.a.(1)
(2) AMOUNT OF PURCHASED OR ACQUIRED DEPOSITS REPORTED IN ITEM 8.A.(1) ABOVE ATTRIBUTABLE /////////////////
TO A SECONDARY FUND (I.E., BIF MEMBERS REPORT DEPOSITS ATTRIBUTABLE TO SAIF; SAIF /////////////////
MEMBERS REPORT DEPOSITS ATTRIBUTABLE TO BIF) ....................................... A531 705,608 8.a.(2)
b. TOTAL DEPOSITS SOLD OR TRANSFERRED TO OTHER FDIC-INSURED INSTITUTIONS DURING THE QUARTER /////////////////
(EXCLUDE SALES OR TRANSFERS BY THE REPORTING BANK OF DEPOSITS IN FOREIGN OFFICES OTHER /////////////////
THAN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS)............... A533 0 8.b.
- --------------
(1) For FDIC insurance and FICO assessment purposes, "time and savings
deposits" consists of nontransaction accounts and all transaction accounts
other than demand deposits.
(2) Exclude core deposit intangibles.
31
36
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-22
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-O--CONTINUED
-----------------------
Dollar Amounts in Thousands | RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------------
9. Deposits in lifeline accounts ................................................................... 5596 /////////////// 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total /////////////////////
deposits in domestic offices) ................................................................... 8432 0 10.
11. ADJUSTMENTS TO DEMAND DEPOSITS IN DOMESTIC OFFICES AND IN INSURED BRANCHES IN PUERTO RICO /////////////////////
AND U.S. TERRITORIES AND POSSESSIONS REPORTED IN SCHEDULE RC-E FOR CERTAIN RECIPROCAL /////////////////////
DEMAND BALANCES: /////////////////////
a. AMOUNT BY WHICH DEMAND DEPOSITS WOULD BE REDUCED IF THE REPORTING BANK'S RECIPROCAL /////////////////////
DEMAND BALANCES WITH THE DOMESTIC OFFICES OF U.S. BANKS AND SAVINGS ASSOCIATIONS /////////////////////
AND INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS THAT WERE /////////////////////
REPORTED ON A GROSS BASIS IN SCHEDULE RC-E HAD BEEN REPORTED ON A NET BASIS ................. 8785 5,490 11.a.
b. AMOUNT BY WHICH DEMAND DEPOSITS WOULD BE INCREASED IF THE REPORTING BANK'S RECIPROCAL /////////////////////
DEMAND BALANCES WITH FOREIGN BANKS AND FOREIGN OFFICES OF OTHER U.S. BANKS (OTHER THAN /////////////////////
INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS) THAT WERE REPORTED /////////////////////
ON A NET BASIS IN SCHEDULE RC-E HAD BEEN REPORTED ON A GROSS BASIS .......................... A181 0 11.b.
c. AMOUNT BY WHICH DEMAND DEPOSITS WOULD BE REDUCED IF CASH ITEMS IN PROCESS OF COLLECTION /////////////////////
WERE INCLUDED IN THE CALCULATION OF THE REPORTING BANK'S NET RECIPROCAL DEMAND BALANCES /////////////////////
WITH THE DOMESTIC OFFICES OF U.S. BANKS AND SAVINGS ASSOCIATIONS AND INSURED BRANCHES /////////////////////
IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS IN SCHEDULE RC-E ........................ A182 0 11.c.
12. AMOUNT OF ASSETS NETTED AGAINST DEPOSIT LIABILITIES IN DOMESTIC OFFICES AND IN INSURED /////////////////////
BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS ON THE BALANCE SHEET /////////////////////
(SCHEDULE RC) IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES (EXCLUDE AMOUNTS /////////////////////
RELATED TO RECIPROCAL DEMAND BALANCES): /////////////////////
a. AMOUNT OF ASSETS NETTED AGAINST DEMAND DEPOSITS ............................................. A527 0 12.a.
b. AMOUNT OF ASSETS NETTED AGAINST TIME AND SAVINGS DEPOSITS ................................... A528 0 12.b
---------------------
Memoranda (TO BE COMPLETED EACH QUARTER EXCEPT AS NOTED)
-----------------------
Dollar Amounts in Thousands | RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------
1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1) and //////////////////////
1.b.(1) must equal Schedule RC, item 13.a): //////////////////////
a. Deposit accounts of $100,000 or less: //////////////////////
(1) Amount of deposit accounts of $100,000 or less ................................. 2702 9,892,555 M.1.a. (1)
(2) Number of deposit accounts of $100,000 or less (TO Number //////////////////////
BE COMPLETED FOR THE JUNE REPORT ONLY) ............ RCON 3779 1,656,825 ////////////////////// M.1.a. (2)
b. Deposit accounts of more than $100,000: //////////////////////
(1) Amount of deposit accounts of more than $100,000 .............................. 2710 4,294,464 M.1.b. (1)
Number //////////////////////
//////////////////////
(2) Number of deposit accounts of more than $100,000 .. RCON 2722 13,253 ////////////////////// M.1.b. (2)
//////////////////////
2. Estimated amount of uninsured deposits in domestic offices of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying the
number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)
above by $100,000 and subtracting the result from the amount of deposit accounts of
more than $100,000 reported in Memorandum item 1.b. (1) above.
Indicate in the appropriate box at the right whether your bank has a method or YES NO
procedure for determining a better estimate of uninsured deposits than the ___________________________
estimate described above ......................................................... 6861| | /// | X M.2.a.
b. If the box marked YES has been checked, report the estimate of uninsured deposits RCON Bil Mil Thou
determined by using your bank's method or procedure .............................. 5597 N/A M.2.b.
3. HAS THE REPORTING INSTITUTION BEEN CONSOLIDATED WITH A PARENT BANK OR
SAVINGS ASSOCIATION IN THAT PARENT BANK'S OR PARENT SAVINGS ASSOCIATION'S
CALL REPORT OR THRIFT FINANCIAL REPORT?
IF SO, REPORT THE LEGAL TITLE AND FDIC CERTIFICATE NUMBER OF THE PARENT BANK OR PARENT
SAVINGS ASSOCIATION:
FDIC Cert. No.
------------------------- -------------------------
| TEXT A5A5 | N/A |RCON A545| N/A | M.3.
----------------------------------------------------------------------------------------------------------------------
32
37
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 PAGE RC-23
City, State Zip: COLUMBUS, OH 43216
FDIC Certification No.: 06560
SCHEDULE RC-R--REGULATORY CAPITAL
This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more in Schedule RC,
item 12, for June 30, 1996, must complete items 2 through 9 and Memoranda items 1 and 2. BANKS WITH ASSETS OF LESS THAN $1 BILLION
MUST COMPLETE ITEMS 1 THROUGH 3 BELOW OR SCHEDULE RC-R IN ITS ENTIRETY, DEPENDING ON THEIR RESPONSE TO ITEM 1 BELOW.
1. TEST FOR DETERMINING THE EXTENT TO WHICH SCHEDULE RC-R MUST BE COMPLETED. TO BE -----
COMPLETED ONLY BY BANKS WITH TOTAL ASSETS OF LESS THAN $1 BILLION. Indicate in the C480
appropriate box at the right whether the bank has total capital greater than or ----------------
equal to eight percent of adjusted total assets ......................................... YES NO
----------------------------
RCFD 6056 /// 1.
----------------------------
For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government
agency obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for
loan and lease losses and selected off-balance sheet items as reported on Schedule RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked
NO has been checked, the bank must complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank's actual risk-based capital ratio is less than
eight percent or that the bank is not in compliance with the risk-based capital guidelines.
- -------------------------------------------------------------------
NOTE: ALL BANKS ARE REQUIRED TO COMPLETE ITEMS 2 AND 3 BELOW.
SEE OPTIONAL WORKSHEET FOR ITEMS 3.a THROUGH 3.f.
- -------------------------------------------------------------------
-----------------------
Dollar Amounts in Thousands | RCFD Bil Mil Thou |
- -------------------------------------------------------------------------------------------------------------------------------
2. PORTION OF QUALIFYING LIMITED-LIFE CAPITAL INSTRUMENTS (ORIGINAL WEIGHTED | ////////////////// |
AVERAGE MATURITY OF AT LEAST FIVE YEARS) THAT IS INCLUDIBLE IN TIER 2 CAPITAL: | ////////////////// |
a. SUBORDINATED DEBT(1) AND INTERMEDIATE TERM PREFERRED STOCK ..................................... | A515 449,424 | 2.a.
b. OTHER LIMITED-LIFE CAPITAL INSTRUMENTS ......................................................... | A516 0 | 2.b.
3. Amounts used in calculating regulatory capital ratios (report amounts | ////////////////// |
determined by the bank for its own internal regulatory capital analyses | ////////////////// |
consistent with applicable capital standards): | ////////////////// |
a. Tier 1 capital ................................................................................. | 8274 1,372,637 | 3.a.
b. Tier 2 capital ................................................................................. | 8275 658,323 | 3.b.
c. Total risk-based capital ....................................................................... | 3792 2,030,960 | 3.c.
d. Excess allowance for loan and lease losses (amount that exceeds 1.25% of gross | ////////////////// |
risk-weighted assets) .......................................................................... | A222 0 | 3.d.
e. Net risk-weighted assets (gross risk-weighted assets less excess allowance reported | ////////////////// |
in item 3.d above and all other deductions) .................................................... | A223 17,692,537 | 3.e.
f. "Average total assets" (quarterly average reported in Schedule RC-K, item 9, less all | /////////////////// |
assets deducted from Tier 1 capital(2) ......................................................... | A224 20,987,023 | 3.f.
-----------------------
-------------------------------------------
| (Column A) | (Column B) |
| Assets | Credit Equiv- |
| Recorded | alent Amount |
ITEMS 4-9 AND MEMORANDA ITEMS 1 AND 2 ARE TO BE COMPLETED | on the | of Off-Balance |
BY BANKS THAT ANSWERED NO TO ITEM 1 ABOVE AND | Balance Sheet | Sheet Items(3) |
BY BANKS WITH TOTAL ASSETS OF $1 BILLION OR MORE. -------------------------------------------
| RCFD Bil Mil Thou | RCFD Bil Mil Thou |
4. Assets and credit equivalent amounts of off-balance sheet items -------------------------------------------
assigned to the Zero percent risk category: | ////////////////// | ////////////////// |
a. Assets recorded on the balance sheet ...................................... | 5163 1,073,071 | ////////////////// | 4.a.
b. Credit equivalent amount of off-balance sheet items ....................... | ////////////////// | 3796 0 | 4.b.
-------------------------------------------
- ----------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in
column A.
33
38
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-24
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
SCHEDULE RC-R--CONTINUED
---------------------------------------------
(Column A) (Column B)
Assets Credit Equiv-
Recorded alent Amount
on the of Off-Balance
Balance Sheet Sheet Items (1)
----------------- ----------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou
- ----------------------------------------------------------------------------- -------------------------------------------
5. Assets and credit equivalent amounts of off-balance sheet items ////////////////// /////////////////
assigned to the 20 percent risk category: ////////////////// /////////////////
a. Assets recorded on the balance sheet................................... 5165 3,986,110 ///////////////// 5.a.
b. Credit equivalent amount of off-balance sheet items.................... ////////////////// 3801 7,259 5.b.
6. Assets and credit equivalent amounts of off-balance sheet items ////////////////// /////////////////
assigned to the 50 percent risk category: ////////////////// /////////////////
a. Assets recorded on the balance sheet .................................. 3802 1,632,901 ///////////////// 6.a.
b. Credit equivalent amount of off-balance sheet items.................... ////////////////// 3803 21,687 6.b.
7. Assets and credit equivalent amounts of off-balance sheet items ////////////////// /////////////////
assigned to the 100 percent risk category: ////////////////// /////////////////
a. Assets recorded on the balance sheet................................... 3804 14,597,394 ///////////////// 7.a.
b. Credit equivalent amount of off-balance sheet items.................... ////////////////// 3805 1,699,036 7.b.
8. On-balance sheet asset values excluded from and deducted in ////////////////// //////////////////
the calculation of the risk-based capital ratio(2) ....................... 3806 (39,852) ////////////////// 8.
9. Total assets recorded on the balance sheet (sum of ////////////////// //////////////////
items 4.a, 5.a, 6.a, 7.a, and 8, column A) (must equal Schedule RC, ////////////////// //////////////////
item 12 plus items 4.b and 4.c) .......................................... 3807 21,249,624 ///////////////// 9.
Memoranda
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Current credit exposure across all off-balance sheet derivative contracts covered by the ////////////////////
risk-based capital standards .................................................................... 8764 19,189 M.1.
------------------------------------------------------------------
With a remaining maturity of
-----------------------------------------------------------------
(Column A) (Column B) (Column C)
One year or less Over one year Over five years
through five years
2. Notional principal amounts of ------------------- ------------------ ----------------------
off-balance sheet derivative contracts (3): RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou
---------------------------------------------------------------------
a. Interest rate contracts...................... 3809 992,960 8766 1,220,428 |8767 490,652 M.2.a.
b. Foreign exchange contracts................... 3812 27,196 8769 766 |8770 0 M.2.b.
c. Gold contracts............................... 8771 0 8772 0 |8773 0 M.2.c.
d. Other precious metals contracts.............. 8774 0 8775 0 |8776 0 M.2.d.
e. Other commodity contracts.................... 8773 0 8778 0 |8779 0 M.2.e.
f. Equity derivative contracts.................. A000 0 A001 0 |A002 0 M.2.f.
- ---------------
(1) Do not report in column B the risk-weighted amount of assets reported in
column A.
(2) Include the difference between the fair value and the amortized cost of
available-for-sale debt securities in item 8 and report the amortized cost
of these debt securities in items 4 through 7 above. For available-for-sale
equity securities, if fair value exceeds cost, include the difference
between the fair value and the cost in item 8 and report the cost of these
equity securities in items 5 through 7 above; if cost exceeds fair value,
report the fair value of these equity securities in items through 7 above
and include no amount in item 8. Item 8 also includes on-balance sheet asset
values (or portions thereof) of off-balance sheet interest rate, foreign
exchange rate, and commodity contracts and those contracts (e.g., futures
contracts) not subject to risk-based capital. Exclude from item 8 margin
accounts and accrued receivables not included in the calculation of credit
equivalent amounts of off-balance sheet derivatives as well as any portion
of the allowance for loan and lease losses in excess of the amount that
may be included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or
less and all futures contracts.
34
39
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 PageRC-25
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
at close of business on JUNE 30, 1997
THE HUNTINGTON NATIONAL BANK
- -------------------------------------------------------------------------------
Legal Title of Bank
The management of the reporting bank may, if it wishes, submit a brief
narrative statement on the amounts reported in the Reports of Condition and
Income. This optional statement will be made available to the public, along
with the publicly available data in the Reports of Condition and Income, in
response to any request for individual bank report data. However, the
information reported in column A and in all of Memorandum item 1 of Schedule
RC-N is regarded as confidential and will not be released to the public. BANKS
CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT
DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK
CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN
SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE
PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing
not to make a statement may check the "No comment" box below and should make no
entries of any kind in the space provided for the narrative statement; i.e., DO
NOT enter in this space such phrases as "No statement," "Not applicable,"
"N/A," "No comment," and "None."
The optional statement must be entered on this sheet. The statement should not
exceed 100 words. Further, regardless of the number of words, the statement
must not exceed 750 characters, including punctuation, indentation, and
standard spacing between words and sentences. If any submission should exceed
750 characters, as defined, it will be truncated at 750 characters with no
notice to the submitting bank and the truncated statement will appear as the
bank's statement
COLUMBUS , OHIO
- -------------------------------------------------------------------------------
City State
both on agency computerized records and in computer-file releases to the public.
All information furnished by the bank in the narrative statement must be
accurate and not misleading. Appropriate efforts shall be taken by the
submitting bank to ensure the statement's accuracy. The statement must
be signed, in the space provided below, by a senior officer of the bank who
thereby attests to its accuracy.
If, subsequent to the original submission, material changes are submitted for
the data reported in the Reports of Condition and Income, the existing
narrative statement will be deleted from the files, and from disclosure; the
bank, at its option, may replace it with a statement, under signature,
appropriate to the amended data.
The optional narrative statement will appear in agency records and in release
to the public exactly as submitted (or amended as described in the preceding
paragraph) by the management of the bank (except for the truncation of
statements exceeding the 750-character limit described above). THE STATEMENT
WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR
ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY
PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
- -------------------------------------------------------------------------------
No comment _ (RCON 6979) C471 C472 <-
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
PURSUANT TO AN AGREEMENT DATED JANUARY 15, 1997, THE FOLLOWING SIX AFFILIATED
BANKS WERE MERGED, ON JUNE 30, 1997, INTO THE HUNTINGTON NATIONAL BANK: THE
HUNTINGTON NATIONAL BANK OF FLORIDA; THE HUNTINGTON NATIONAL BANK OF INDIANA;
HUNTINGTON NATIONAL BANK OF WEST VIRGINIA; HUNTINGTON BANKS OF MICHIGAN; THE
HUNTINGTON TRUST COMPANY, NATIONAL ASSOCIATION; AND, THE HUNTINGTON TRUST
COMPANY OF FLORIDA, NATIONAL ASSOCIATION. ACCORDINGLY, THIS CALL REPORT
DISCLOSES THE RESULTS THERON.
- ---------------------------------------------------- ------------------------
Signature of Executive Officer of Bank Date of Signature
35
40
Legal Title of Bank: THE HUNTINGTON NATIONAL BANK Call Date: 6/30/97 ST-BK: 39-1610 FFIEC 031
Address: P.O. BOX 1558 Page RC-26
City, State Zip: COLUMBUS, OH 43216
FDIC Certificate No.: 06560
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
- ------------------------------------------------------------------------------------------------------------------------------------
NAME AND ADDRESS OF BANK | OMB No. For OCC: 1557-0081
| OMB No. For FDIC: 3064-0052
| OMB No. For Federal Reserve: 7100-0036
| Expiration Date: 3/31/2000
|
PLACE LABEL HERE | SPECIAL REPORT
| (Dollar Amounts in Thousands)
|
| ---------------------------------------------------------------------
| CLOSE OF BUSINESS | FDIC CERTIFICATE NUMBER | |
| DATE | | C-700 | <-
| 6/30/97 | 06560 | |
- ------------------------------------------------------------------------------------------------------------------------------------
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
- ------------------------------------------------------------------------------------------------------------------------------------
The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report of Condition.
With each Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their
executive officers made SINCE THE DATE OF THE PREVIOUS REPORT OF CONDITION. Data regarding individual loans or other extensions of
credit are not required. If no such loans or other extensions of credit were made during the period, insert "none" against subitem
(a). (Exclude the first $15,000 of indebtedness of each executive officer under bank credit card plan.) SEE SECTIONS 215.2 AND
215.3 OF TITLE 12 OF THE CODE OF FEDERAL REGULATIONS (FEDERAL RESERVE BOARD REGULATION O) FOR THE DEFINITIONS OF "EXECUTIVE
OFFICER" AND "EXTENSION OF CREDIT," RESPECTIVELY. EXCLUDE LOANS AND OTHER EXTENSIONS OF CREDIT TO DIRECTORS AND PRINCIPAL
SHAREHOLDERS WHO ARE NOT EXECUTIVE OFFICERS.
- ------------------------------------------------------------------------------------------------------------------------------------
-----------------------------
a. Number of loans made to executive officers since the previous Call Report date ............ | RCFD 3561 | 34 a.
b. Total dollar amount of above loans (in thousands of dollars) .............................. | RCFD 3562 | 20,909 b.
c. Range of interest charged on above loans ------------------------------------------------------
(example: 9 3/4% = 9.75) ....................................... | RCFD 7701 | 8.25 | % to | RCFD 7702 | 14.90 | % c.
------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------------------
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT | DATE (Month, Day, Year)
|
|
|
- ------------------------------------------------------------------------------------------------------------------------------------
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) | AREA CODE/PHONE NUMBER/EXTENSION
| (TEXT 8904)
BILL TELZEROW, MANAGER OF FINANCIAL REPORTING | (614) 480-4563
|
- ------------------------------------------------------------------------------------------------------------------------------------
FDIC 8040/53 (6-95)
36
41
The Huntington National Bank Sheshunoff Info. Services Inc.
Columbus, OH Prepared 7/30/97 Page 1
Financial Ratios, Quarter Ending 6/30/97
Annualized Interest Margin
Interest Income (tax adjusted) / Average Assets ...................... 7.79%
Interest Expense / Average Assets ................................... 3.70%
Net Interest Margin (tax adjusted) / Average Assets .................. 4.09%
Memo: Tax Adj. for Nondeductible Interest Expense / Avg Assets ....... 0.00%
Return on Average Assets
Net Income / Average Assets .......................................... 1.31%
Income Before Extraordinary Items / Average Assets ................... 1.31%
Annualized Yields
Total Loans and leases (tax adjusted) ................................ 8.97%
Securities (tax adjusted) ............................................ 6.38%
Federal Funds Sold ................................................... 7.96%
Interest-bearing Balances with Depository Institutions ............... 7.93%
Annualized Rates Paid
Interest-bearing transaction accounts ................................ 1.61%
Time deposits of $100,000 or more .................................... 4.86%
Interest-bearing nontransaction accounts
(excluding time deposits of $100,000 or more) ................... 4.46%
All Interest-bearing Deposits ........................................ 4.19%
Federal Funds Purchased .............................................. 5.90%
Reserves
Allowance for Loan and Lease Losses / Total Loans and Leases ......... 1.41%
Provision for Loan and Lease Losses (YTD) / Avg Loans & Leases ....... 0.29%
Net Charge-offs (YTD) / Average Loans and Leases ..................... 0.25%
Nonperforming and Restructured Loans and Leases
As a percent of Gross Loans and Leases:
Loans and Leases past due 30 - 89 days ............................. 1.68%
Loans and Leases past due 90 days or more .......................... 0.20%
Nonaccrual Loans and Leases ........................................ 0.37%
Total, excluding past due 30 - 89 days ............................. 0.57%
Memo: Loans and Leases Restructured
and in compliance with modified terms ........................... 0.01%
Liquidity, Asset / Liability Management
One-day to 12-month Cumulative Gap / Total Assets .................... 9.02%
Fair value of HTM securities - amortized cost / amortized cost ....... 1.02%
As a percent of Total Deposits:
Time Deposits of $100,000 or more .................................. 9.85%
All NOWs, MMDAs and time deposits of less than $100,000 ............ 52.94%
Total Brokered Deposits ............................................ 3.10%
* Report of Income item for entire year,
divided by year-to-date average entered separately from Call Report
42
The Huntington National Bank Sheshunoff Info. Services Inc.
Columbus, OH Prepared 7/30/97 Page 2
Bank's Status under Prompt Corrective Action Guidelines
Quarter Ending 6/30/97
The "Prompt Corrective Action" provision of the FDIC Improvement Act of
1991 provided a foundation for supervisory actions based on the capital levels
of institutions. Five capital categories were established. Under the rules,
an institution becomes subject to certain mandatory provisions on the basis of
its capital category without agency action, and the final rules deem an
institution to be aware of its capital category as of the date that the Call
Report is required to be filed.
The following analysis has been provided to help your institution identify
its capital category based on Call Report information. Please be aware that
these ratios are provided as an indication of your category from the Call Report
data only, and other factors may affect your final capital category. For
example, the results of your institution's examination are also used by the
agencies in establishing a capital category. Additionally, the regulatory
agencies may reclassify an institution's capital category using other
information available to the agency, such as public announcements by the
institution and other reports filed under banking or securities laws.
Risk-Based Capital Ratio...................................... 11.48%
Tier 1 Capital / Net Risk-weighted Assets..................... 7.76%
Leverage Ratio................................................ 6.54%
Tangible Equity Ratio......................................... 6.54%
Based solely upon the preceding ratios, this institution would be assigned to
the Well Capitalized category.