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Exhibit 99
HUNTINGTON BANCSHARES INCORPORATED
RATIO OF EARNINGS TO FIXED CHARGES
THREE MONTHS ENDED
MARCH 31,
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2000 1999
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EXCLUDING INTEREST ON DEPOSITS
Income before taxes $150,578 $141,982
Fixed charges:
Interest expense 92,217 79,866
Interest factor of rent expense 3,605 2,465
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Total fixed charges 95,822 82,331
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Earnings $246,400 $224,313
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Fixed charges $ 95,822 $ 82,331
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RATIO OF EARNINGS TO FIXED CHARGES 2.57 X 2.72 X
INCLUDING INTEREST ON DEPOSITS
Income before taxes $150,578 $141,982
Fixed charges:
Interest expense 274,866 236,171
Interest factor of rent expense 3,605 2,465
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Total fixed charges 278,471 238,636
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Earnings $429,049 $380,618
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Fixed charges $278,471 $238,636
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RATIO OF EARNINGS TO FIXED CHARGES 1.54 X 1.59 X