Huntington Bancshares Incorporated
(NASDAQ:HBAN)

Huntington Bancshares Incorporated is a regional bank holding company headquartered in Columbus, Ohio, with $123 billion of assets and a network of 839 branches, including 11 Private Client Group offices, and 1,322 ATMs across seven Midwestern states. Founded in 1866, The Huntington National Bank an...

Website: http://www.huntington.com

Founded: 1866

Full Time Employees: 15,680

Sector: Financial Services

Industry: Banks-Regional

Financial Services Regional Bank

Share this website to your friends

• Market Cap:

• Exchange:

• Shs Outstanding:

• Employees:

• Beta:

• Return on Equity (ROE) ttm:

• Return on Assets (ROA) ttm:

• EPS ttm:

• Book value per Share:

• Cash per Share:

• Current ast per Share:

• P/E ttm:

• P/E forward:

• P/E ttm high:

• P/E ttm low:

• P/S ttm:

• P/B ttm:

• P/FCF ttm:

• PEG ratio:

• Cash Ratio ttm:

• Quick Ratio ttm:

• Current Ratio ttm:

• Gross Mgn ttm:

• EBITDA Mgn ttm:

• Operating Mgn ttm:

• Net Income Mgn ttm:

• Trailing Div yield:

• Forward Div yield:

• Payout Ratio ttm:

• Ex-Dividend date:

• Target Price High:

• Target Price Low:

• Target Price Mean:

• Number of Analysts:

• Debt Ratio ttm:

• Debt to Equity ttm:

• Total Net Debt:

At a glance:

Bull Thesis:

Bear Thesis:

Main Competitors:

Moat:

Income Statements:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2013-12-31	2013-03-31	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31

interest and fee income:
loans and leases	2,166,000,000	2,050,000,000	1,971,000,000	1,905,000,000	1,907,000,000	1,906,000,000	1,859,000,000	1,809,000,000	1,789,000,000	1,764,000,000	1,679,000,000	1,579,000,000	1,466,000,000	1,268,000,000	1,078,000,000	1,004,000,000	653,500,000	1,056,000,000	806,000,000	752,000,000	581,750,000	764,000,000	754,000,000	809,000,000	849,000,000	889,000,000	903,000,000	901,000,000	891,000,000	848,000,000	810,000,000	756,000,000	525,014,000	724,284,000	699,838,000	675,934,000	661,195,000	583,653,000	469,770,000	463,422,000	451,186,000	451,161,000	436,564,000	420,614,000	426,459,000	424,658,000	421,152,000	1,223,060,000	406,879,000	428,859,000	412,048,000
available-for-sale securities
taxable	212,000,000	246,000,000	278,000,000	287,000,000	302,000,000	331,000,000	322,000,000	296,000,000	273,000,000	259,000,000	252,000,000	232,000,000	198,000,000	165,000,000	123,000,000	90,000,000	46,000,000	68,000,000	67,000,000	49,000,000	47,750,000	50,000,000	64,000,000	76,000,000	73,000,000	74,000,000	72,000,000	76,000,000	70,000,000	68,000,000	71,000,000	70,000,000	57,246,500	74,409,000	78,292,000	76,109,000	83,604,000	57,572,000	40,992,000	39,614,000	50,582,000	52,141,000	51,525,000	47,856,000	47,531,000	43,065,000	42,028,000	108,372,000	40,185,000	48,244,000	48,824,000	-1,084,275,000	430,032,000	428,266,000	433,961,000
tax-exempt	34,000,000	33,000,000	31,000,000	34,000,000	31,000,000	27,000,000	27,000,000	27,000,000	26,000,000	29,000,000	26,000,000	23,000,000	22,000,000	20,000,000	15,000,000	17,000,000	10,250,000	15,000,000	13,000,000	13,000,000	11,750,000	15,000,000	15,000,000	18,000,000	19,000,000	20,000,000	21,000,000	22,000,000	26,000,000	24,000,000	24,000,000	23,000,000	13,990,250	18,579,000	18,695,000	18,862,000	18,354,000	13,687,000	13,795,000	13,019,000	11,573,000	10,835,000	10,319,000	9,287,000	8,916,000	7,959,000	6,391,000	10,063,000	2,615,000	2,124,000	2,199,000	1,298,000	2,756,000	3,028,000	2,703,000
held-to-maturity securities—taxable	80,000,000	105,000,000	107,000,000	108,000,000	70,250,000	93,000,000	93,000,000	95,000,000	75,750,000	99,000,000	102,000,000	102,000,000	62,750,000	95,000,000	90,000,000	66,000,000	31,000,000	47,000,000	35,000,000	42,000,000	42,250,000	51,000,000	59,000,000	59,000,000	41,000,000	54,000,000	56,000,000	54,000,000	39,750,000	52,000,000	53,000,000	54,000,000	34,553,500	48,743,000	44,276,000	45,195,000	26,326,750	33,098,000	35,420,000	36,789,000	15,305,000	19,811,000	20,742,000	20,667,000				2,459,500	9,838,000	4,538,000	4,714,000
other securities—taxable	9,000,000	12,000,000	12,000,000	12,000,000	7,500,000	11,000,000	10,000,000	9,000,000	10,000,000	19,000,000	11,000,000	10,000,000	4,500,000	7,000,000	6,000,000	5,000,000	1,500,000	2,000,000	2,000,000	2,000,000	1,000,000	1,000,000	1,000,000	2,000,000	3,250,000	3,000,000	4,000,000	6,000,000	4,750,000	6,000,000
other	139,000,000	154,000,000	157,000,000	143,000,000	154,000,000	187,000,000	165,000,000	144,000,000	95,000,000	143,000,000	155,000,000	82,000,000	16,500,000	34,000,000	19,000,000	13,000,000	10,000,000	17,000,000	12,000,000	11,000,000	7,750,000	11,000,000	9,000,000	11,000,000	8,750,000	12,000,000	12,000,000	11,000,000	5,250,000	9,000,000	7,000,000	5,000,000	4,138,500	6,972,000	5,323,000	4,260,000	18,700,000	6,336,000	5,681,000	4,407,000	5,418,000	4,529,000	10,645,000	3,672,000	3,706,000	3,601,000	3,137,000	13,447,000	5,802,000	3,779,000	12,152,000	3,260,000	2,881,000	2,633,000	4,686,000
total interest income	2,665,000,000	2,600,000,000	2,556,000,000	2,489,000,000	2,510,000,000	2,555,000,000	2,476,000,000	2,380,000,000	2,350,000,000	2,313,000,000	2,225,000,000	2,028,000,000	1,854,000,000	1,589,000,000	1,331,000,000	1,195,000,000	752,250,000	1,205,000,000	935,000,000	869,000,000	692,250,000	892,000,000	902,000,000	975,000,000	1,011,000,000	1,052,000,000	1,068,000,000	1,070,000,000	1,056,000,000	1,007,000,000	972,000,000	914,000,000	634,942,750	872,987,000	846,424,000	820,360,000	814,858,000	694,346,000	565,658,000	557,251,000	544,153,000	538,477,000	529,795,000	502,096,000	507,625,000	501,060,000	495,322,000	1,395,318,000	465,319,000	487,544,000	479,937,000	485,216,000	490,996,000	492,137,000	501,877,000
interest expense:
deposits	820,000,000	830,000,000	822,000,000	810,000,000	863,000,000	945,000,000	907,000,000	857,000,000	808,000,000	713,000,000	570,000,000	406,000,000	235,000,000	92,000,000	25,000,000	11,000,000	8,500,000	11,000,000	12,000,000	11,000,000	45,500,000	31,000,000	46,000,000	105,000,000	136,000,000	154,000,000	150,000,000	145,000,000	132,000,000	112,000,000	87,000,000	60,000,000	31,672,000	49,611,000	42,287,000	34,790,000	30,430,000	26,233,000	22,324,000	23,018,000	21,779,000	20,964,000	19,865,000	19,567,000	20,208,000	20,461,000	21,846,000	84,206,000	32,035,000	41,790,000	43,780,000	50,967,000	64,985,000	68,304,000	75,796,000
short-term borrowings	10,000,000	13,000,000	13,000,000	14,000,000	17,000,000	14,000,000	19,000,000	19,000,000	28,000,000	17,000,000	74,000,000	60,000,000	10,000,000	22,000,000	7,000,000	7,000,000					3,250,000		1,000,000	12,000,000	8,000,000	13,000,000	19,000,000	14,000,000	6,000,000	9,000,000	14,000,000	19,000,000	4,195,500	5,713,000	5,203,000	5,866,000	2,370,000	959,000	913,000	898,000	119,000	192,000	731,000	542,000	2,228,000	292,000	270,000	466,000	234,000	558,000	583,000	763,000	932,000	856,000	949,000
long-term debt	243,000,000	251,000,000	254,000,000	239,000,000	235,000,000	245,000,000	238,000,000	217,000,000	198,000,000	215,000,000	235,000,000	153,000,000	147,000,000	71,000,000	38,000,000	31,000,000	1,250,000	34,000,000	85,000,000	-114,000,000	43,750,000	44,000,000	63,000,000	68,000,000
total interest expense	1,073,000,000	1,094,000,000	1,089,000,000	1,063,000,000	1,115,000,000	1,204,000,000	1,164,000,000	1,093,000,000	1,034,000,000	945,000,000	879,000,000	619,000,000	392,000,000	185,000,000	70,000,000	49,000,000	9,750,000	45,000,000	97,000,000	-103,000,000	92,500,000	75,000,000	110,000,000	185,000,000	231,000,000	253,000,000	256,000,000	248,000,000	223,000,000	205,000,000	188,000,000	144,000,000	76,712,750	114,554,000	101,912,000	90,385,000	79,877,000	68,956,000	59,777,000	54,185,000	47,242,000	43,022,000	39,109,000	34,411,000	34,373,000	34,725,000	35,274,000	114,880,000	41,149,000	58,582,000	62,728,000	70,191,000	84,518,000	88,800,000	97,547,000
net interest income	1,592,000,000	1,506,000,000	1,467,000,000	1,426,000,000	1,395,000,000	1,351,000,000	1,312,000,000	1,287,000,000	1,316,000,000	1,368,000,000	1,346,000,000	1,409,000,000	1,462,000,000	1,404,000,000	1,261,000,000	1,146,000,000	1,132,000,000	1,160,000,000	838,000,000	972,000,000	825,000,000	817,000,000	792,000,000	790,000,000	780,000,000	799,000,000	812,000,000	822,000,000	833,000,000	802,000,000	784,000,000	770,000,000	769,080,000	758,433,000	744,512,000	729,975,000	734,981,000	625,390,000	505,881,000	503,066,000	496,911,000	495,455,000	490,686,000	467,685,000	473,252,000	466,335,000	460,048,000	1,280,438,000	424,170,000	428,962,000	417,209,000	415,025,000	406,478,000	403,337,000	404,330,000
provision for credit losses	123,000,000	122,000,000	103,000,000	115,000,000	107,000,000	106,000,000	100,000,000	107,000,000	126,000,000	99,000,000	92,000,000	85,000,000	91,000,000	106,000,000	67,000,000	25,000,000	22,250,000	-62,000,000	211,000,000	-60,000,000	103,000,000	177,000,000			52,000,000	82,000,000	59,000,000	67,000,000	43,750,000	53,000,000		66,000,000				67,638,000
net interest income after provision for credit losses	1,469,000,000	1,384,000,000	1,364,000,000	1,311,000,000	1,288,000,000	1,245,000,000	1,212,000,000	1,180,000,000	1,190,000,000	1,269,000,000	1,254,000,000	1,324,000,000	1,371,000,000	1,298,000,000	1,194,000,000	1,121,000,000	720,250,000	1,222,000,000	627,000,000	1,032,000,000	722,000,000	640,000,000			556,250,000	717,000,000	753,000,000	755,000,000	545,250,000	749,000,000		704,000,000				662,337,000
noninterest income:
payments and cash management revenue	170,000,000	174,000,000	165,000,000	155,000,000	162,000,000	158,000,000	154,000,000	146,000,000
wealth and asset management revenue	102,000,000	104,000,000	102,000,000	101,000,000	93,000,000	93,000,000	90,000,000	88,000,000
customer deposit and loan fees	107,000,000	102,000,000	95,000,000	86,000,000	88,000,000	86,000,000	83,000,000	77,000,000
capital markets and advisory fees	101,000,000	94,000,000	84,000,000	67,000,000	120,000,000	78,000,000	73,000,000	56,000,000
mortgage banking income	39,000,000	43,000,000	28,000,000	31,000,000	31,000,000	38,000,000	30,000,000	31,000,000	23,000,000	27,000,000	33,000,000	26,000,000	25,000,000	26,000,000	44,000,000	49,000,000	61,000,000	81,000,000	67,000,000	100,000,000	89,000,000	122,000,000	96,000,000	58,000,000	58,000,000	54,000,000	34,000,000	21,000,000	23,000,000	31,000,000	28,000,000	26,000,000	33,425,000	33,615,000	32,268,000	31,692,000	37,520,000	40,603,000	31,591,000	18,543,000	31,418,000	18,956,000	38,518,000	22,961,000	14,030,000	25,051,000	22,717,000					24,098,000	12,791,000	23,835,000	22,684,000
leasing revenue	19,000,000	23,000,000	10,000,000	14,000,000	19,000,000	19,000,000	19,000,000	22,000,000	29,000,000	32,000,000	25,000,000	26,000,000	35,000,000	29,000,000	27,000,000	35,000,000	41,000,000	42,000,000	12,000,000
insurance income	22,000,000	20,000,000	19,000,000	20,000,000	22,000,000	18,000,000	18,000,000	19,000,000	-21,000,000	31,000,000	30,000,000	34,000,000	31,000,000	28,000,000	27,000,000	31,000,000	28,000,000	25,000,000	25,000,000	27,000,000	25,000,000	24,000,000	25,000,000	23,000,000	24,000,000	20,000,000	23,000,000	21,000,000	21,000,000	19,000,000	21,000,000	21,000,000	35,901,000	13,992,000	15,843,000	15,264,000	16,486,000	15,865,000	15,947,000	16,225,000	15,528,000	16,204,000	17,637,000	15,895,000	16,252,000	16,729,000	15,996,000					17,906,000	17,220,000	16,399,000	17,945,000
net gains on sales of securities			-58,000,000						-3,000,000		-5,000,000	1,000,000					-1,000,000		10,000,000		-250,000		-1,000,000		-22,000,000		-2,000,000		-19,000,000	-2,000,000			945,250	71,000	3,694,000	16,000	272,000	1,031,000	732,000		474,000	2,628,000	82,000		-104,000	198,000	490,000	2,033,000	187,000
other noninterest income	22,000,000	68,000,000	26,000,000	20,000,000	112,000,000	6,000,000	5,000,000	7,000,000	-191,000,000	88,000,000	74,000,000	109,000,000	62,000,000	65,000,000	46,000,000	49,000,000	59,000,000	59,000,000	52,000,000	34,000,000	42,000,000	37,000,000	51,000,000	31,000,000	43,000,000	42,000,000	59,000,000	39,000,000	32,750,000	44,000,000	45,000,000	42,000,000	30,777,500	38,157,000	44,219,000	40,735,000	24,930,000	33,399,000	36,187,000	30,132,000	28,018,500	40,418,000	44,565,000	27,091,000	24,330,750	30,445,000	36,049,000	8,339,500	33,358,000
total noninterest income	582,000,000	628,000,000	471,000,000	494,000,000	559,000,000	523,000,000	491,000,000	467,000,000	405,000,000	509,000,000	495,000,000	512,000,000	499,000,000	498,000,000	485,000,000	499,000,000	515,000,000	535,000,000	444,000,000	395,000,000	409,000,000	430,000,000	391,000,000	361,000,000	372,000,000	389,000,000	374,000,000	319,000,000	329,000,000	342,000,000	336,000,000	314,000,000	339,222,000	330,097,000	325,218,000	312,463,000	334,337,000	302,415,000	271,112,000	241,867,000	272,215,000	253,119,000	281,773,000	231,623,000	233,278,000	247,349,000	250,067,000	745,786,000	252,209,000	253,819,000	285,320,000	229,352,000	258,559,000	255,767,000	236,945,000
noninterest expense:
personnel costs	845,000,000	757,000,000	722,000,000	671,000,000	715,000,000	684,000,000	663,000,000	639,000,000	645,000,000	622,000,000	613,000,000	649,000,000	630,000,000	614,000,000	577,000,000	580,000,000	632,000,000	643,000,000	592,000,000	468,000,000	425,000,000	453,000,000	418,000,000	395,000,000	426,000,000	406,000,000	428,000,000	394,000,000	399,000,000	388,000,000	396,000,000	376,000,000	372,915,000	377,088,000	391,997,000	382,000,000	359,755,000	405,024,000	298,949,000	285,397,000	288,861,000	286,270,000	282,135,000	264,916,000	263,289,000	275,409,000	260,600,000	742,742,000	258,895,000	243,034,000	243,498,000	228,101,000	226,835,000	218,570,000	219,028,000
outside data processing and other services	222,000,000	198,000,000	182,000,000	170,000,000	167,000,000	167,000,000	165,000,000	166,000,000	157,000,000	149,000,000	148,000,000	151,000,000	147,000,000	145,000,000	153,000,000	165,000,000	269,000,000	304,000,000	162,000,000	115,000,000	111,000,000	98,000,000	90,000,000	85,000,000	89,000,000	87,000,000	89,000,000	81,000,000	83,000,000	69,000,000	69,000,000	73,000,000	71,043,000	79,586,000	75,169,000	87,202,000	88,696,000	91,133,000	63,037,000	61,878,000	63,775,000	58,535,000	58,508,000	50,535,000	53,685,000	53,073,000	54,338,000	150,282,000	49,265,000	48,149,000	42,058,000	53,422,000	49,602,000	43,889,000	40,282,000
equipment	67,000,000	66,000,000	68,000,000	67,000,000	70,000,000	65,000,000	62,000,000	70,000,000	70,000,000	65,000,000	64,000,000	64,000,000	67,000,000	60,000,000	61,000,000	81,000,000	68,000,000	79,000,000	55,000,000	46,000,000	48,000,000	44,000,000	46,000,000	41,000,000	42,000,000	41,000,000	40,000,000	40,000,000	48,000,000	38,000,000	38,000,000	40,000,000	35,918,000	45,458,000	42,924,000	46,700,000	59,666,000	40,792,000	31,805,000	32,576,000	31,711,000	31,303,000	31,694,000	30,249,000	31,981,000	30,183,000	28,749,000	81,913,000	24,880,000	24,872,000	25,545,000	25,884,000	22,262,000	21,921,000	22,477,000
net occupancy	56,000,000	57,000,000	54,000,000	65,000,000	56,000,000	57,000,000	51,000,000	57,000,000	65,000,000	67,000,000	54,000,000	60,000,000	61,000,000	63,000,000	58,000,000	64,000,000	68,000,000	95,000,000	72,000,000	42,000,000	39,000,000	40,000,000	39,000,000	40,000,000	41,000,000	38,000,000	38,000,000	42,000,000	70,000,000	38,000,000	35,000,000	41,000,000	36,563,000	55,124,000	52,613,000	67,700,000	49,450,000	41,460,000	30,704,000	31,476,000	32,939,000	29,061,000	28,861,000	31,020,000	31,565,000	34,405,000	28,673,000	95,230,000	30,114,000	25,474,000	29,079,000	26,841,000	26,967,000	26,885,000	28,436,000
marketing	36,000,000	34,000,000	28,000,000	29,000,000	28,000,000	33,000,000	27,000,000	28,000,000	29,000,000	29,000,000	32,000,000	25,000,000	22,000,000	24,000,000	24,000,000	21,000,000	35,000,000	25,000,000	15,000,000	14,000,000	15,000,000	9,000,000	5,000,000	9,000,000	9,000,000	10,000,000	11,000,000	7,000,000	15,000,000	12,000,000	18,000,000	8,000,000	10,264,000	16,970,000	18,843,000	13,923,000	21,478,000	14,438,000	14,773,000	12,268,000	12,035,000	12,179,000	15,024,000	12,975,000	12,466,000	12,576,000	14,832,000	40,214,000	10,971,000	21,365,000	16,776,000	16,379,000	22,251,000	20,102,000	16,895,000
deposit and other insurance expense	-1,000,000	9,000,000	20,000,000	37,000,000	20,000,000	15,000,000	25,000,000	54,000,000	234,000,000	25,000,000	23,000,000	20,000,000	14,000,000	15,000,000	20,000,000	18,000,000	18,000,000	17,000,000	8,000,000	8,000,000	8,000,000	6,000,000	9,000,000	9,000,000	10,000,000	8,000,000	8,000,000	8,000,000	9,000,000	18,000,000	18,000,000	18,000,000	18,969,000	18,514,000	20,418,000	20,099,000	15,772,000	14,940,000	12,187,000	11,208,000	11,105,000	11,550,000	11,787,000	10,167,000	13,099,000	11,628,000	10,599,000	34,671,000	15,490,000	15,731,000	20,738,000	18,481,000	17,492,000	23,823,000	17,896,000
professional services	80,000,000	31,000,000	22,000,000	22,000,000	27,000,000	21,000,000	26,000,000	25,000,000	35,000,000	27,000,000	21,000,000	16,000,000	21,000,000	18,000,000	19,000,000	19,000,000	22,000,000	26,000,000	48,000,000	17,000,000	21,000,000	12,000,000	11,000,000	11,000,000	14,000,000	16,000,000	12,000,000	12,000,000	17,000,000	17,000,000	15,000,000	11,000,000	17,288,000	15,227,000	18,190,000	18,295,000	23,165,000	47,075,000	21,488,000	13,538,000	13,010,000	11,961,000	12,593,000	12,727,000	15,665,000	13,763,000	17,896,000	33,395,000	7,192,000	15,458,000	11,230,000	16,769,000	20,281,000	20,080,000	13,465,000
amortization of intangibles	13,000,000	11,000,000	11,000,000	11,000,000	12,000,000	11,000,000	12,000,000	12,000,000	12,000,000	12,000,000	13,000,000	13,000,000	13,000,000	13,000,000	13,000,000	14,000,000	14,000,000	13,000,000	11,000,000	10,000,000	10,000,000	10,000,000	10,000,000	11,000,000	12,000,000	12,000,000	12,000,000	13,000,000	13,000,000	13,000,000	13,000,000	14,000,000	13,386,000	14,017,000	14,242,000	14,355,000	14,099,000	9,046,000	3,600,000	3,712,000	3,788,000	3,913,000	9,960,000	10,206,000	10,653,000	9,813,000	9,520,000	31,044,000	10,320,000	11,940,000	11,531,000	13,175,000	13,387,000	13,386,000	13,370,000
lease financing equipment depreciation	3,000,000	4,000,000	2,000,000	4,000,000	3,000,000	4,000,000	4,000,000	4,000,000	5,000,000	6,000,000	8,000,000	8,000,000	9,000,000	11,000,000	11,000,000	14,000,000	17,000,000	19,000,000	5,000,000
other noninterest expense	99,000,000	79,000,000	88,000,000	76,000,000	80,000,000	73,000,000	82,000,000	82,000,000	96,000,000	88,000,000	74,000,000	80,000,000	93,000,000	90,000,000	82,000,000	77,000,000	78,000,000	68,000,000	104,000,000	73,000,000	79,000,000	40,000,000	47,000,000	51,000,000	58,000,000	49,000,000	62,000,000	56,000,000	40,000,000	58,000,000	50,000,000	52,000,000	43,890,000	58,444,000	59,968,000	57,148,000	33,621,750	48,339,000	47,118,000	39,027,000	39,753,250	81,736,000	41,215,000	36,062,000	30,985,500	39,468,000	33,429,000	8,250,000	33,000,000
total noninterest expense	1,420,000,000	1,246,000,000	1,197,000,000	1,152,000,000	1,178,000,000	1,130,000,000	1,117,000,000	1,137,000,000	1,348,000,000	1,090,000,000	1,050,000,000	1,086,000,000	1,077,000,000	1,053,000,000	1,018,000,000	1,053,000,000	1,221,000,000	1,289,000,000	1,072,000,000	793,000,000	756,000,000	712,000,000	675,000,000	652,000,000	701,000,000	667,000,000	700,000,000	653,000,000	711,000,000	651,000,000	652,000,000	633,000,000	631,786,000	680,428,000	694,364,000	707,422,000	681,497,000	712,247,000	523,661,000	491,080,000	498,766,000	526,508,000	491,777,000	458,857,000	483,271,000	480,318,000	458,636,000	1,315,210,000	442,793,000	444,269,000	462,676,000	430,274,000	439,118,000	428,409,000	430,699,000
income before income taxes	631,000,000	766,000,000	638,000,000	653,000,000	669,000,000	638,000,000	586,000,000	510,000,000	247,000,000	688,000,000	699,000,000	750,000,000	793,000,000	743,000,000	661,000,000	567,000,000	490,000,000	468,000,000	-1,000,000	634,000,000	375,000,000	358,000,000	181,000,000	58,000,000	372,000,000	439,000,000	427,000,000	421,000,000	391,000,000	440,000,000	412,000,000	385,000,000	411,722,000	364,512,000	350,388,000	267,378,000	312,915,000	151,753,000	228,823,000	226,271,000	233,892,000	199,590,000	260,263,000	219,860,000	220,765,000	208,886,000	222,094,000	650,561,000	203,994,000	201,992,000	205,447,000	168,812,000	182,333,000	194,898,000	161,191,000
provision for income taxes	108,000,000	133,000,000	96,000,000	122,000,000	135,000,000	116,000,000	106,000,000	86,000,000	-1,000,000	136,000,000	134,000,000	144,000,000	144,000,000	146,000,000	120,000,000	105,000,000	51,500,000	90,000,000	14,000,000	102,000,000	59,000,000	55,000,000			48,250,000	67,000,000	63,000,000	63,000,000	44,500,000	62,000,000		59,000,000				59,284,000
income after income taxes	523,000,000	633,000,000	542,000,000	531,000,000	534,000,000	522,000,000	480,000,000	424,000,000	248,000,000	552,000,000	565,000,000	606,000,000	649,000,000	597,000,000	541,000,000	462,000,000	402,000,000	378,000,000	-15,000,000
income attributable to non-controlling interest	4,000,000	4,000,000	6,000,000	4,000,000	4,000,000	5,000,000	6,000,000	5,000,000	5,000,000	5,000,000	6,000,000	4,000,000	4,000,000	3,000,000	2,000,000	2,000,000	1,000,000	1,000,000
net income attributable to huntington	519,000,000	629,000,000	536,000,000	527,000,000	530,000,000	517,000,000	474,000,000	419,000,000	427,000,000	547,000,000	559,000,000	602,000,000
dividends on preferred shares	43,000,000	27,000,000	27,000,000	27,000,000	27,000,000	36,000,000	35,000,000	36,000,000	36,000,000	37,000,000	40,000,000	29,000,000	28,000,000	29,000,000	28,000,000	28,000,000	28,000,000	29,000,000	43,000,000	31,000,000	35,000,000	28,000,000	19,000,000	18,000,000	19,000,000	18,000,000	18,000,000	19,000,000	19,000,000	18,000,000	21,000,000	12,000,000	19,330,000	18,903,000	18,889,000	18,878,000	18,865,000	18,537,000	19,874,000	7,998,000	7,972,000	7,968,000	7,968,000	7,965,000	7,963,000	7,964,000	7,963,000	23,899,000	7,970,000	7,984,000	8,049,000	7,703,000	7,703,000	7,704,000	7,703,000
net income applicable to common shares	476,000,000	602,000,000	509,000,000	500,000,000	498,000,000	481,000,000	439,000,000	383,000,000	215,000,000	510,000,000	519,000,000	573,000,000	617,000,000	565,000,000	511,000,000	432,000,000	377,000,000	333,000,000	-58,000,000	501,000,000	281,000,000	275,000,000	131,000,000	30,000,000	259,750,000	354,000,000	346,000,000	339,000,000	315,000,000	360,000,000	334,000,000	314,000,000	412,267,000	255,665,000	252,852,000	189,216,000	220,098,000	108,467,000	154,666,000	163,316,000	170,337,000	144,620,000	188,238,000	157,889,000	155,651,000	147,052,000	156,656,000	463,062,000	143,810,000	144,722,000	145,221,000	119,155,000	135,688,000	138,214,000	118,743,000
average common shares—basic	21,966,000,000	1,459,129,000,000	1,457,309,000,000	1,454,498,000,000	627,000,000	1,452,682,000,000	1,451,207,000,000	1,448,492,000,000	571,000,000	1,447,993,000,000	1,446,372,000,000	1,443,268,000,000	539,000,000	1,442,591,000,000	1,441,200,000,000	1,438,427,000,000	-1,200,501,000,000	1,462,736,000,000	1,125,039,000,000	1,017,512,000,000	-1,016,035,000,000	1,017,253,000,000	1,016,259,000,000	1,017,643,000,000	-3,406,000,000	1,034,940,000,000	1,044,802,000,000	1,046,995,000,000	-9,028,000,000	1,084,536,000,000		1,083,836,000,000											806,891,000	809,778,000	-967,000	816,497,000	821,546,000	-6,898,000	841,103,000	862,261,000	864,499,000
average common shares—diluted	22,159,000,000	1,484,587,000,000	1,480,996,000,000	1,481,879,000,000	1,583,000,000	1,476,982,000,000	1,474,259,000,000	1,473,335,000,000	479,000,000	1,467,611,000,000	1,465,720,000,000	1,469,279,000,000	986,000,000	1,465,083,000,000	1,463,293,000,000	1,464,327,000,000	-1,224,141,000,000	1,487,335,000,000	1,125,039,000,000	1,041,003,000,000	-1,030,540,000,000	1,031,460,000,000	1,028,683,000,000	1,034,576,000,000	-2,985,000,000	1,051,273,000,000	1,060,280,000,000	1,065,638,000,000	-10,993,000,000	1,103,740,000,000		1,124,778,000,000											820,238,000	823,809,000	-846,000	829,623,000	834,687,000	-4,734,000	848,708,000	867,551,000	869,164,000
per common share:
net income—basic	300,000	410,000	350,000	340,000	340,000	330,000	300,000	260,000	150,000	350,000	360,000	400,000	420,000	390,000	350,000	300,000	260,000	230,000	-50,000	490,000	280,000	270,000	130,000	30,000	290,000	340,000	330,000	320,000	300,000	330,000		290,000											230	190	190	180	190	560	170	170	170
net income—diluted	300,000	410,000	340,000	340,000	340,000	330,000	300,000	260,000	150,000	350,000	350,000	390,000	420,000	390,000	350,000	290,000	270,000	220,000	-50,000	480,000	270,000	270,000	130,000	30,000	290,000	340,000	330,000	320,000	300,000	330,000		280,000											230	190	190	180	190	550	170	170	170
bank owned life insurance income					13,250,000	20,000,000	17,000,000	16,000,000	16,000,000	18,000,000	16,000,000	16,000,000	15,000,000	13,000,000	11,000,000	17,000,000	22,000,000	15,000,000	16,000,000	16,000,000	15,000,000	17,000,000	17,000,000	16,000,000	17,000,000	18,000,000	15,000,000	16,000,000	16,000,000	19,000,000	17,000,000	15,000,000	17,683,000	16,453,000	15,322,000	17,542,000	17,067,000	14,452,000	12,536,000	13,513,000	13,441,000	12,719,000	13,215,000	13,025,000	14,988,000	14,888,000	13,865,000	42,977,000	13,442,000			14,271,000	15,644,000	17,602,000	14,819,000
gain on sale of loans					3,500,000	7,000,000	2,000,000	5,000,000	1,000,000	2,000,000	8,000,000	3,000,000	2,000,000	15,000,000	12,000,000	28,000,000	1,000,000	2,000,000	3,000,000	3,000,000											15,000,000	8,000,000	17,299,000	13,877,000	12,002,000	12,822,000	24,987,000	7,506,000	9,265,000	5,395,000	10,122,000	5,873,000	12,453,000	4,589,000	5,408,000	8,199,000	3,914,000	15,555,000	2,616,000	4,131,000	26,770,000
see notes to unaudited consolidated financial statements
service charges on deposit accounts									66,750,000	97,000,000	87,000,000	83,000,000	89,000,000	93,000,000	105,000,000	97,000,000	101,000,000	114,000,000	88,000,000	69,000,000	78,000,000	76,000,000	60,000,000	87,000,000	95,000,000	98,000,000	92,000,000	87,000,000	94,000,000	93,000,000	91,000,000	86,000,000	91,317,000	90,681,000	87,582,000	83,420,000	91,577,000	86,847,000	75,613,000	70,262,000	72,854,000	75,157,000	70,118,000	62,220,000	67,408,000	69,118,000	72,633,000	210,919,000	60,883,000	65,998,000	60,292,000	63,324,000	65,184,000	60,675,000	54,324,000
card and payment processing income									74,500,000	103,000,000	102,000,000	93,000,000	96,000,000	96,000,000	96,000,000	86,000,000	93,000,000	96,000,000	80,000,000	65,000,000	65,000,000	66,000,000	59,000,000	58,000,000
capital markets fees									41,250,000	49,000,000	57,000,000	59,000,000	83,000,000	73,000,000	54,000,000	42,000,000	47,000,000	40,000,000	35,000,000	29,000,000	34,000,000	27,000,000	31,000,000	33,000,000	31,000,000	36,000,000	34,000,000	22,000,000	29,000,000	22,000,000	21,000,000	19,000,000	23,245,000	21,719,000	16,836,000	14,200,000	18,730,000	14,750,000	13,037,000	13,010,000	13,778,000	12,741,000	13,192,000	13,905,000	13,791,000	10,246,000	10,500,000	37,169,000	8,051,000	13,455,000	9,982,000
trust and investment management services									48,000,000	62,000,000	68,000,000	62,000,000	61,000,000	60,000,000	63,000,000	65,000,000	63,000,000	61,000,000	56,000,000	52,000,000	49,000,000	48,000,000	45,000,000	47,000,000	47,000,000	44,000,000	43,000,000	44,000,000	42,000,000	43,000,000	42,000,000	44,000,000	56,367,000	33,531,000	32,232,000	33,869,000
net income attributable to huntington bancshares inc													645,000,000	594,000,000	539,000,000	460,000,000	401,000,000	377,000,000	-15,000,000
impact of preferred stock redemption																	-4,000,000	15,000,000
see notes to unaudited condensed consolidated financial statements
net income																				532,000,000	316,000,000	303,000,000	150,000,000	48,000,000	317,000,000	372,000,000	364,000,000	358,000,000	334,000,000	378,000,000	355,000,000	326,000,000	431,597,000	274,568,000	271,741,000	208,094,000	238,963,000	127,004,000	174,540,000	171,314,000	178,309,000	152,588,000	196,206,000	165,854,000	163,614,000	155,016,000	164,619,000	486,961,000	151,780,000	152,706,000	153,270,000	126,858,000	143,391,000	145,918,000	126,446,000
yoy																				1008.33%	-0.32%	-18.55%	-58.79%	-86.59%	-5.09%	-1.59%	2.54%	9.82%	-22.61%	37.67%	30.64%	56.66%	80.61%	116.19%	55.69%	21.47%	34.02%	-16.77%	-11.04%	3.29%	8.98%	-1.57%	19.19%	-65.94%	7.80%	1.51%	7.40%	283.86%	5.85%	4.65%	21.21%
qoq																				68.35%	4.29%	102.00%	212.50%	-84.86%	-14.78%	2.20%	1.68%	7.19%	-11.64%	6.48%	8.90%	-24.47%	57.19%	1.04%	30.59%	-12.92%	88.15%	-27.24%	1.88%	-3.92%	16.86%	-22.23%	18.30%	1.37%	5.55%	-5.83%	-66.19%	220.83%	-0.61%	-0.37%	20.82%	-11.53%	-1.73%	15.40%
gain on sale of loans and leases																					7,500,000	13,000,000	8,000,000	8,000,000	16,000,000	13,000,000	13,000,000	13,000,000	16,000,000	16,000,000
benefit from credit losses																							327,000,000	441,000,000							56,000,000		34,051,500	43,590,000	24,978,000		74,906,000	63,805,000	24,509,000	27,582,000	36,468,000	22,476,000	20,419,000	20,591,000	2,494,000	24,480,000	29,385,000	60,453,000	29,592,000	36,520,000	34,406,000	45,291,000	43,586,000	35,797,000	49,385,000
net interest income after benefit from credit losses																							465,000,000	349,000,000							728,000,000		524,178,500	714,843,000	719,534,000		660,075,000	561,585,000	481,372,000	475,484,000	460,443,000	472,979,000	470,267,000	447,094,000	470,758,000	441,855,000	430,663,000	1,219,985,000	394,578,000	392,442,000	382,803,000	369,734,000	362,892,000	367,540,000	354,945,000
benefit from income taxes																							31,000,000	10,000,000							57,000,000		56,968,750	89,944,000	78,647,000		73,952,000	24,749,000	54,283,000	54,957,000	55,583,000	47,002,000	64,057,000	54,006,000	57,151,000	53,870,000	57,475,000	163,600,000	52,214,000	49,286,000	52,177,000	30,666,750	38,942,000
subordinated notes and other long-term debt																									65,500,000	86,000,000	87,000,000	89,000,000	59,000,000	84,000,000	87,000,000	65,000,000	40,796,000	59,165,000	54,356,000	49,663,000	47,010,000	41,698,000	36,468,000	30,200,000	25,275,000	21,797,000	18,442,000	13,925,000	12,982,000	12,991,000	12,536,000	29,432,000	8,579,000	15,901,000	18,143,000	18,306,000	18,367,000	19,425,000	20,582,000
cards and payment processing income																									45,750,000	64,000,000	63,000,000	56,000,000	41,500,000	57,000,000	56,000,000	53,000,000	52,699,000	53,647,000	52,485,000	47,169,000	49,113,000	44,320,000	39,184,000	36,447,000
impairment losses on available-for-sale securities																																	-921,750	-104,000
cash dividends declared																													90,000	140,000		110,000											60	60	60	50	50	150	40	40	40	40	40	10	10
otti losses for the periods presented:
total otti losses																																																-1,174,000	-696,000	-2,245,000
noncredit-related portion of loss recognized in oci																																																		1,992,000
impairment losses recognized in earnings on available-for-sale securities																																			-3,559,000	-24,000	-2,043,000		-76,000			-2,440,000						-1,106,000	-696,000	-253,000
other securities
federal home loan bank advances																																	49,250	65,000	66,000	66,000	67,000	66,000	72,000	69,000	69,000	69,000	71,000	377,000	-1,045,000	981,000	622,000	776,000	301,000	333,000	222,000	155,000	234,000	215,000	220,000
available-for-sale and other securities
brokerage income																																	11,627,500	14,458,000	16,294,000	15,758,000	17,015,000	14,719,000	14,599,000	15,502,000	14,462,000	15,059,000	15,184,000	15,500,000	16,050,000	17,155,000	17,831,000					18,688,000	20,349,000	20,819,000	20,511,000
trust services																																					34,016,000	28,923,000	22,497,000	22,838,000	25,272,000	24,972,000	26,550,000	29,039,000	28,781,000	28,045,000	29,581,000	91,847,000	31,160,000	29,914,000	30,906,000
electronic banking																																									22,122,250	30,832,000	30,259,000	27,398,000	27,993,000	27,275,000	26,491,000	71,878,000	20,713,000	20,514,000	18,630,000
held-to-maturity securities - taxable																																													16,927,750	21,777,000	22,614,000
mortgage banking																																																11,312,000	45,248,000	38,349,000	46,418,000
brokerage																																																4,498,750	17,995,000	19,025,000	19,260,000
insurance																																																4,813,000	19,252,000	17,384,000	18,875,000
oreo and foreclosure expense																																																666,500	2,666,000	4,106,000	4,950,000	5,009,000	4,668,000	4,398,000	3,931,000
interest expense
bank owned life insurance																																																		13,967,000	13,937,000
automobile operating lease income																																																		2,877,000	3,775,000	4,727,000	5,890,000	7,307,000	8,847,000
securities gains/																																																		603,000
other income																																																		27,855,000	37,088,000	-25,512,000	60,644,000	45,503,000	38,247,000
automobile operating lease expense																																																		2,183,000	2,854,000	3,362,000	4,386,000	5,434,000	6,836,000
gain on extinguishment of debt																																																		-2,580,000
interest and fee income
net gains on sales of investment securities																																																			624,000	1,477,000	14,000	1,689,000	4,205,000
impairment losses on investment securities:
impairment recoveries (losses) on investment securities																																																			5,727,000	1,342,000	-5,726,000	1,218,000	9,876,000
noncredit-related																																																			-6,964,000	-2,769,750	4,362,000	-1,400,000	-14,041,000
net impairment losses on investment securities																																																			-1,237,000	-1,652,000	-1,364,000	-182,000	-4,165,000
held-to-maturity securities — taxable																																																				1,586,500	5,059,000	1,287,000
trust services income																																																				28,775,000	29,473,000	30,392,000	30,742,000
electronic banking income																																																				18,469,000	32,714,000	31,728,000	28,786,000
average common shares — basic																																																				149,000	863,911,000	863,358,000	863,359,000
average common shares — diluted																																																				178,000	867,633,000	867,469,000	867,237,000
net income — basic																																																				140	160	160	140
net income — diluted																																																				140	160	160	140
benefit for income taxes																																																						48,980,000	34,745,000
investment securities

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2013-12-31	2013-03-31	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2009-12-31

assets
cash and due from banks	1,696,000,000	1,776,000,000	1,598,000,000	1,685,000,000	1,677,000,000	1,333,000,000	1,189,000,000	1,576,000,000	1,602,000,000	1,636,000,000	1,568,000,000	1,666,000,000	1,685,000,000	1,793,000,000	1,708,000,000	1,356,000,000	1,611,000,000	1,479,000,000	1,096,000,000	1,319,000,000	1,029,000,000	1,299,000,000	1,431,000,000	1,045,000,000	1,018,000,000	870,000,000	804,000,000	1,108,000,000	1,299,000,000	1,382,000,000	1,069,000,000	1,520,000,000	1,193,738,000	1,515,476,000	1,308,813,000	1,384,770,000	1,661,939,000	867,180,000	816,248,000	847,156,000	1,024,358,000	1,379,969,000	899,876,000	1,220,565,000	879,862,000	1,001,132,000	828,688,000	1,218,588,000	1,111,165,000	1,115,968,000	2,190,276,000	983,882,000	1,208,820,000
interest-earning deposits with banks	11,536,000,000	9,171,000,000	14,330,000,000	11,647,000,000	11,163,000,000	11,450,000,000	11,216,000,000	9,309,000,000
trading account securities	81,000,000	481,000,000	477,000,000	53,000,000	472,000,000	154,000,000	167,000,000	77,000,000	121,000,000	128,000,000	18,000,000	32,000,000	32,000,000	34,000,000	74,000,000	50,000,000	77,000,000	93,000,000	51,000,000	62,000,000	54,000,000	39,000,000	36,000,000	99,000,000	118,000,000	176,000,000	166,000,000	105,000,000	83,000,000	85,000,000	85,000,000	86,000,000	88,488,000	94,767,000	97,785,000	133,295,000	36,071,000	35,289,000	45,924,000	36,997,000	38,609,000	59,146,000	47,626,000	42,191,000	66,460,000	35,573,000	86,520,000	53,837,000	59,663,000	45,899,000	85,711,000	98,771,000	164,489,000	139,000,000
available-for-sale securities	26,085,000,000	28,330,000,000	27,839,000,000	27,273,000,000	28,492,000,000	27,454,000,000	26,801,000,000		21,863,000,000	23,233,000,000	24,086,000,000		23,306,000,000	24,377,000,000	25,152,000,000		25,654,000,000	22,915,000,000	19,375,000,000	16,485,000,000	14,807,000,000		14,622,000,000	14,149,000,000	14,286,000,000	13,695,000,000	13,982,000,000	13,780,000,000	13,727,000,000	14,070,000,000	14,607,000,000
held-to-maturity securities	15,597,000,000	15,965,000,000	16,315,000,000	16,368,000,000	15,670,000,000	15,036,000,000	15,416,000,000		16,148,000,000	16,578,000,000	16,977,000,000		17,173,000,000	17,355,000,000	17,190,000,000		12,455,000,000	11,415,000,000	7,815,000,000	8,861,000,000	8,557,000,000		10,193,000,000	9,070,000,000	8,430,000,000	8,704,000,000	8,747,000,000	8,565,000,000	8,465,000,000	8,682,000,000	8,789,000,000	9,091,000,000	8,688,399,000	8,279,577,000	7,533,517,000	7,806,939,000	5,301,387,000	5,658,565,000	5,946,144,000	6,159,590,000	3,157,688,000	3,304,160,000	3,336,663,000	3,379,905,000	3,496,493,000	3,836,667,000	1,693,074,000	598,385,000	621,798,000	640,551,000	658,250,000	670,478,000
other securities	870,000,000	878,000,000	880,000,000	823,000,000	826,000,000	844,000,000	727,000,000	933,000,000	718,000,000	975,000,000	1,299,000,000	845,000,000	818,000,000	763,000,000	1,056,000,000	556,000,000	649,000,000	692,000,000	411,000,000	418,000,000	421,000,000	474,000,000	488,000,000	441,000,000	455,000,000	440,000,000	486,000,000	565,000,000	565,000,000	597,000,000	602,000,000
loans held for sale	823,000,000	876,000,000	580,000,000	654,000,000	655,000,000	668,000,000	490,000,000	554,000,000	603,000,000	545,000,000	457,000,000	973,000,000	893,000,000	969,000,000	1,070,000,000	1,398,000,000	1,335,000,000	1,391,000,000	1,537,000,000	1,275,000,000	1,303,000,000	1,039,000,000	997,000,000	877,000,000	1,064,000,000	778,000,000	693,000,000	804,000,000	792,000,000	709,000,000	506,000,000	488,000,000	651,734,000	748,077,000	518,238,000	512,951,000	3,414,497,000	786,993,000	567,664,000	474,621,000	675,636,000	548,054,000	1,620,552,000	416,327,000	410,932,000	326,212,000	729,707,000	2,123,371,000	310,383,000	1,618,391,000	334,606,000	224,860,000	164,282,000
loans and leases	137,956,000,000	134,960,000,000	132,505,000,000	130,042,000,000	126,387,000,000	124,422,000,000	122,767,000,000		120,853,000,000	121,225,000,000	121,179,000,000		118,147,000,000	116,221,000,000	112,817,000,000	663,000,000	110,567,000,000	111,905,000,000	80,230,000,000	81,608,000,000	81,156,000,000		78,035,000,000	75,404,000,000	74,892,000,000	75,033,000,000	75,079,000,000	74,900,000,000	73,370,000,000	72,406,000,000	71,163,000,000	70,117,000,000	68,587,296,000	68,059,310,000	67,098,269,000	66,961,996,000	66,304,466,000	52,543,421,000	51,539,359,000	50,341,099,000	49,655,909,000	48,752,301,000	47,695,632,000	47,655,726,000	46,723,374,000	43,120,500,000	41,283,524,000	39,959,180,000	40,678,542,000	38,923,783,000	39,011,894,000	39,126,452,000	38,245,836,000
allowance for loan and lease losses	-2,374,000,000	-2,331,000,000	-2,263,000,000	-2,244,000,000	-2,235,000,000	-2,304,000,000	-2,280,000,000	-2,187,000,000	-2,208,000,000	-2,177,000,000	-2,142,000,000	-2,083,000,000	-2,110,000,000	-2,074,000,000	-2,018,000,000	-1,993,000,000	-2,107,000,000	-2,218,000,000	-1,703,000,000	-1,814,000,000	-1,796,000,000	-1,557,000,000	-1,504,000,000	-783,000,000	-783,000,000	-774,000,000	-764,000,000	-772,000,000	-761,000,000	-741,000,000	-721,000,000	-691,000,000	-675,486,000	-667,996,000	-672,580,000	-638,413,000	-616,898,000	-623,064,000	-613,719,000	-597,843,000	-591,938,000	-599,542,000	-605,126,000	-605,196,000	-631,036,000	-647,870,000	-746,769,000	-859,646,000	-913,069,000	-964,828,000	-1,019,710,000	-1,071,126,000	-1,133,226,000
net loans and leases	135,582,000,000	132,629,000,000	130,242,000,000	127,798,000,000	124,152,000,000	122,118,000,000	120,487,000,000		118,645,000,000	119,048,000,000	119,037,000,000		116,037,000,000	114,147,000,000	110,799,000,000	94,994,000,000	108,460,000,000	109,687,000,000	78,527,000,000	79,794,000,000	79,360,000,000	78,642,000,000	76,531,000,000	74,621,000,000	74,109,000,000	74,259,000,000	74,315,000,000	74,128,000,000	72,609,000,000	71,665,000,000	70,442,000,000	69,426,000,000	67,911,810,000	67,391,314,000	66,425,689,000	66,323,583,000	65,687,568,000	51,920,357,000	50,925,640,000	49,743,256,000	49,063,971,000	48,152,759,000	47,090,506,000	47,050,530,000	46,092,338,000	42,472,630,000	40,536,755,000	39,099,534,000	39,765,473,000	37,958,955,000	37,992,184,000	38,055,326,000	37,112,610,000
bank-owned life insurance	2,810,000,000	2,808,000,000	2,799,000,000
accrued income and other receivables	1,819,000,000	1,675,000,000	1,716,000,000	2,190,000,000	1,633,000,000	1,591,000,000	1,616,000,000		1,496,000,000	1,471,000,000	1,521,000,000		1,352,000,000	2,169,000,000	2,199,000,000
premises and equipment	1,112,000,000	1,104,000,000	1,085,000,000	1,066,000,000	1,093,000,000	1,095,000,000	1,095,000,000		1,096,000,000	1,128,000,000	1,136,000,000		1,171,000,000	1,175,000,000	1,173,000,000		1,126,000,000	1,128,000,000	747,000,000	757,000,000	752,000,000		743,000,000	763,000,000	775,000,000	774,000,000	784,000,000	790,000,000	827,000,000	840,000,000	847,000,000	864,000,000	853,290,000	855,347,000	852,582,000	815,508,000	828,440,000	596,642,000	611,603,000	620,540,000	620,515,000	615,436,000	607,263,000	616,407,000	613,214,000	634,657,000	620,833,000	583,057,000	577,538,000	564,429,000	543,324,000	528,590,000	500,736,000
goodwill	5,547,000,000	5,561,000,000	5,561,000,000	5,561,000,000	5,561,000,000	5,561,000,000	5,561,000,000		5,561,000,000	5,561,000,000	5,561,000,000		5,571,000,000	5,571,000,000	5,349,000,000		5,316,000,000	5,316,000,000	1,990,000,000	1,990,000,000	1,990,000,000		1,990,000,000	1,990,000,000	1,990,000,000	1,990,000,000	1,990,000,000	1,989,000,000	1,993,000,000	1,993,000,000	1,993,000,000	1,993,000,000	1,992,849,000	1,992,849,000	1,992,849,000	1,992,849,000	2,004,348,000	676,869,000	676,869,000	676,869,000	676,869,000	678,369,000	678,369,000	522,541,000	522,541,000	444,268,000	444,268,000	444,268,000	444,268,000	444,268,000	444,268,000	444,268,000	444,268,000
servicing rights and other intangible assets	644,000,000	647,000,000	656,000,000	677,000,000	633,000,000	673,000,000	677,000,000		718,000,000	690,000,000	685,000,000		715,000,000	703,000,000	665,000,000		614,000,000	619,000,000	480,000,000	428,000,000	419,000,000		417,000,000	475,000,000	455,000,000	481,000,000	513,000,000	535,000,000
other assets	6,026,000,000	5,841,000,000	5,518,000,000	5,642,000,000	5,726,000,000	5,558,000,000	5,310,000,000		5,231,000,000	5,102,000,000	4,968,000,000		4,974,000,000	4,649,000,000	4,745,000,000		5,233,000,000	5,227,000,000	3,613,000,000	3,679,000,000	3,502,000,000		3,425,000,000	2,703,000,000	2,763,000,000	2,675,000,000	2,528,000,000	2,288,000,000
total assets	210,228,000,000	207,742,000,000	209,596,000,000	204,230,000,000	200,535,000,000	196,310,000,000	193,519,000,000	187,556,000,000	186,650,000,000	188,505,000,000	189,070,000,000	178,768,000,000	179,402,000,000	178,782,000,000	176,856,000,000	152,281,000,000	173,878,000,000	175,172,000,000	125,768,000,000	123,038,000,000	120,116,000,000	118,191,000,000	113,897,000,000	109,002,000,000	108,735,000,000	108,247,000,000	108,203,000,000	108,781,000,000	105,652,000,000	105,358,000,000	104,246,000,000	104,185,000,000	101,988,126,000	101,406,779,000	100,045,506,000	99,714,097,000	100,765,412,000	73,954,017,000	72,644,967,000	71,044,551,000	70,210,178,000	68,845,648,000	68,002,661,000	66,298,010,000	64,330,629,000	59,476,344,000	56,054,966,000	56,622,959,000	55,876,654,000	54,450,652,000	54,978,707,000	53,050,039,000	52,948,509,000	134,000,000
liabilities and shareholders’ equity
liabilities
deposits:
demand deposits—noninterest-bearing	28,596,000,000	28,656,000,000	30,217,000,000	29,345,000,000	29,047,000,000	28,636,000,000	29,739,000,000	33,985,000,000	31,666,000,000	33,340,000,000	36,789,000,000	41,574,000,000	40,762,000,000	42,131,000,000	43,824,000,000	37,960,000,000	44,560,000,000	45,249,000,000		28,553,000,000		25,660,000,000		20,247,000,000				21,783,000,000				21,546,000,000				22,835,798,000				16,479,984,000				15,393,226,000		13,650,468,000
interest-bearing	136,616,000,000	134,724,000,000	135,120,000,000	133,103,000,000	129,304,000,000	125,731,000,000	123,486,000,000		117,201,000,000	114,688,000,000	108,489,000,000		105,551,000,000	103,304,000,000	103,141,000,000		97,338,000,000	97,556,000,000		70,395,000,000				62,100,000,000				62,991,000,000				55,495,000,000				52,771,919,000				38,547,587,000				35,937,873,000		33,540,545,000				31,761,039,000
total deposits	165,212,000,000	163,380,000,000	165,337,000,000	162,448,000,000	158,351,000,000	154,367,000,000	153,225,000,000		148,867,000,000	148,028,000,000	145,278,000,000		146,313,000,000	145,435,000,000	146,965,000,000		141,898,000,000	142,805,000,000		98,948,000,000				82,347,000,000																														13,493,000,000
short-term borrowings	252,000,000	576,000,000	664,000,000	199,000,000	868,000,000	187,000,000	182,000,000	3,081,000,000	681,000,000	1,680,000,000	6,898,000,000	2,485,000,000	426,000,000	3,048,000,000	652,000,000	-12,000,000	435,000,000	391,000,000	219,000,000	183,000,000	222,000,000	826,000,000	2,826,000,000	2,606,000,000	2,173,000,000	4,161,000,000	2,862,000,000	2,017,000,000	1,348,000,000	2,442,000,000	2,854,000,000	5,056,000,000	1,829,549,000	4,552,877,000	1,263,430,000	3,692,654,000	2,148,118,000	1,956,745,000	471,375,000	615,279,000	1,453,812,000	1,511,444,000	2,007,236,000	2,397,101,000	1,530,938,000	552,143,000	732,705,000	1,205,995,000	1,504,086,000	1,441,092,000	2,224,986,000	2,022,946,000	2,051,258,000	51,355,000,000
long-term debt	17,315,000,000	17,467,000,000	18,096,000,000	16,374,000,000	15,656,000,000	16,461,000,000	14,894,000,000	13,324,000,000	12,822,000,000	14,711,000,000	13,072,000,000	8,724,000,000	10,168,000,000	7,866,000,000	6,508,000,000	-38,000,000	7,779,000,000	7,342,000,000	7,210,000,000	8,352,000,000	9,174,000,000	9,802,000,000	9,796,000,000	9,849,000,000	9,874,000,000	8,973,000,000	9,400,000,000	8,625,000,000	9,385,000,000	9,726,000,000	8,618,000,000	9,206,000,000	9,200,707,000	8,536,471,000	9,279,140,000	8,309,159,000	8,998,571,000	7,929,820,000	7,935,412,000	7,067,614,000	6,359,445,000	5,854,584,000	5,158,836,000	4,335,962,000
other liabilities	5,163,000,000	5,349,000,000	5,013,000,000	5,427,000,000	5,008,000,000	5,732,000,000	5,845,000,000		5,750,000,000	5,248,000,000	5,011,000,000		5,324,000,000	4,454,000,000	4,250,000,000		4,267,000,000	4,103,000,000	2,555,000,000	2,562,000,000	2,649,000,000		2,676,000,000	2,405,000,000	2,384,000,000	2,563,000,000	2,354,000,000	2,263,000,000
total liabilities	187,942,000,000	186,772,000,000	189,110,000,000	184,448,000,000	179,883,000,000	176,747,000,000	174,146,000,000	168,873,000,000	168,120,000,000	169,667,000,000	170,259,000,000		162,231,000,000	160,803,000,000	158,375,000,000		154,379,000,000	154,641,000,000	112,168,000,000	110,045,000,000	107,199,000,000		102,128,000,000	97,207,000,000	96,826,000,000	96,579,000,000	96,771,000,000	97,679,000,000	94,718,000,000	93,886,000,000	92,938,000,000	93,371,000,000	91,289,277,000	90,752,597,000	89,608,359,000	89,405,951,000	90,378,647,000	66,446,713,000	65,487,297,000	64,449,945,000	63,627,541,000	62,349,390,000	61,540,707,000	59,969,840,000	58,046,419,000	53,377,021,000	50,187,828,000	50,973,728,000	50,326,826,000	49,032,552,000	49,578,228,000	47,797,396,000	47,909,910,000
commitments and contingent liabilities
shareholders’ equity																						11,945,000,000
preferred stock	2,731,000,000	1,989,000,000	1,989,000,000	1,989,000,000	2,394,000,000	2,394,000,000	2,394,000,000		2,484,000,000	2,484,000,000	2,484,000,000		2,167,000,000	2,167,000,000	2,167,000,000		2,267,000,000	2,851,000,000	2,676,000,000	2,191,000,000	2,191,000,000		1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,203,000,000	1,071,000,000	1,071,286,000	1,071,286,000	1,071,227,000	1,071,227,000	1,071,227,000	971,278,000
common stock	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000		15,000,000	15,000,000	15,000,000		14,000,000	14,000,000	14,000,000		15,000,000	15,000,000	10,000,000	10,000,000	10,000,000		10,000,000	10,000,000	10,000,000	10,000,000	11,000,000	11,000,000	11,000,000	11,000,000	11,000,000	11,000,000	10,844,000	10,932,000	10,900,000	10,886,000	10,877,000	8,015,000	7,988,000	7,970,000	7,987,000	8,050,000	8,102,000	8,131,000	8,161,000	8,322,000	8,401,000	8,596,000	8,659,000		8,652,000	8,643,000	8,643,000
capital surplus	15,537,000,000	15,506,000,000	15,479,000,000	15,484,000,000	15,455,000,000	15,425,000,000	15,407,000,000		15,363,000,000	15,335,000,000	15,332,000,000		15,282,000,000	15,261,000,000	15,255,000,000		15,350,000,000	15,830,000,000	8,806,000,000	8,781,000,000	8,766,000,000		8,728,000,000	8,806,000,000	8,980,000,000	9,030,000,000	9,167,000,000	9,181,000,000	9,358,000,000	10,038,000,000	10,025,000,000	9,707,000,000	9,820,600,000	9,920,052,000	9,898,889,000	9,881,277,000	9,863,149,000	7,074,249,000	7,050,463,000	7,038,502,000	7,053,902,000	7,109,493,000	7,185,766,000	7,221,745,000	7,243,879,000	7,398,515,000	7,451,287,000	7,569,481,000	7,602,064,000	7,596,809,000	7,594,090,000	7,588,248,000	7,584,367,000
less treasury shares, at cost	-87,000,000	-87,000,000	-90,000,000	-86,000,000	-89,000,000	-90,000,000	-91,000,000		-91,000,000	-92,000,000	-82,000,000		-80,000,000	-85,000,000	-78,000,000		-79,000,000	-105,000,000	-59,000,000	-59,000,000	-59,000,000		-56,000,000	-56,000,000	-55,000,000	-52,000,000	-45,000,000	-45,000,000	-44,000,000	-40,000,000	-34,000,000	-35,000,000	-35,133,000	-31,288,000	-26,765,000	-27,384,000	-26,933,000	-21,358,000	-18,417,000	-17,932,000	-17,464,000	-17,043,000	-13,849,000	-13,382,000	-12,938,000	-9,643,000	-11,141,000	-10,393,000	-10,234,000	-10,255,000	-10,161,000	-9,357,000	-8,647,000
accumulated other comprehensive income	-2,071,000,000	-2,246,000,000	-2,433,000,000	-2,866,000,000	-2,104,000,000	-2,911,000,000	-2,879,000,000		-3,622,000,000	-3,006,000,000	-2,755,000,000		-3,276,000,000	-2,098,000,000	-1,314,000,000
retained earnings	6,123,000,000	5,751,000,000	5,474,000,000	5,204,000,000	4,935,000,000	4,682,000,000	4,476,000,000		4,334,000,000	4,052,000,000	3,764,000,000		3,029,000,000	2,691,000,000	2,408,000,000		2,051,000,000	1,939,000,000	2,223,000,000	1,878,000,000	1,752,000,000		1,657,000,000	2,088,000,000	1,946,000,000	1,750,000,000	1,551,000,000	1,361,000,000	1,196,000,000	990,000,000	780,000,000	588,000,000	201,215,000
total huntington shareholders’ equity	22,248,000,000	20,928,000,000	20,434,000,000	19,740,000,000	20,606,000,000	19,515,000,000	19,322,000,000	18,634,000,000	18,483,000,000	18,788,000,000	18,758,000,000
non-controlling interest	38,000,000	42,000,000	52,000,000	42,000,000	46,000,000	48,000,000	51,000,000	49,000,000	47,000,000	50,000,000	53,000,000	31,000,000	35,000,000	29,000,000	29,000,000	12,000,000	20,000,000	20,000,000
total equity	22,286,000,000	20,970,000,000	20,486,000,000	19,782,000,000	20,652,000,000	19,563,000,000	19,373,000,000	18,683,000,000	18,530,000,000	18,838,000,000	18,811,000,000	18,294,000,000	17,171,000,000	17,979,000,000	18,481,000,000	17,009,000,000	19,499,000,000	20,531,000,000
total liabilities and equity	210,228,000,000	207,742,000,000	209,596,000,000	204,230,000,000	200,535,000,000	196,310,000,000	193,519,000,000		186,650,000,000	188,505,000,000	189,070,000,000
common shares authorized	2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000		2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000		2,250,000,000,000,000	2,250,000,000,000,000	2,250,000,000,000,000		2,250,000,000,000,000	2,250,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000		1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000	1,500,000,000,000		1,500,000,000,000	1,500,000,000,000	1,500,000,000,000
common shares outstanding	1,459,390,757,000,000	1,458,800,042,000,000	1,456,811,621,000,000	1,453,635,809,000,000	1,452,811,392,000,000	1,452,432,838,000,000	1,449,254,147,000,000		1,448,075,093,000,000	1,447,882,434,000,000	1,443,614,966,000,000		1,442,734,255,000,000	1,442,194,344,000,000	1,439,174,659,000,000		1,446,461,249,000,000	1,476,557,426,000,000	1,018,052,923,000,000	1,017,196,776,000,000	1,017,310,599,000,000		1,014,218,094,000,000	1,020,003,482,000,000	1,032,755,207,000,000	1,037,841,268,000,000	1,046,440,116,000,000	1,046,767,252,000,000	1,061,529,259,000,000	1,104,226,603,000,000	1,101,795,768,000,000	1,072,026,681,000,000	1,080,946,315,000	1,090,016,469,000	1,087,119,978,000	1,085,688,538,000	1,084,782,727,000	799,153,996,000	796,689,077,000	794,928,886,000	796,659,440,000	803,065,757,000	808,528,243,000	811,454,676,000	814,453,953,000	830,963,427,000	838,757,987,000	858,401,176,000	864,674,530,000	864,406,152,000	864,074,883,000	863,323,099,000	863,398,578,000
treasury shares outstanding	6,907,525,000,000	6,972,708,000,000	7,164,203,000,000	6,984,102,000,000	7,174,374,000,000	7,322,727,000,000	7,413,634,000,000		7,391,874,000,000	7,429,675,000,000	6,465,176,000,000		6,341,958,000,000	6,691,381,000,000	6,211,714,000,000		6,306,127,000,000	8,056,484,000,000	5,041,104,000,000	5,062,054,000,000	5,066,072,000,000		4,534,022,000,000	4,537,605,000,000	4,548,310,000,000	4,299,339,000,000	3,813,304,000,000	3,817,385,000,000	3,722,229,000,000	3,591,198,000,000	3,192,763,000,000	3,268,265,000,000	3,420,274,000	3,145,995,000	2,866,475,000	2,952,713,000	2,948,762,000	2,374,874,000	2,091,861,000	2,040,808,000	2,004,209,000	1,969,941,000	1,721,134,000	1,681,645,000	1,637,993,000	1,253,671,000	1,329,230,000	1,195,839,000	1,198,969,000	1,178,365,000	1,129,628,000	987,182,000	881,406,000
preferred stock, authorized shares	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000		6,617,808,000,000	6,617,808,000,000	6,617,808,000,000		6,617,808,000,000	6,617,808,000,000	6,617,808,000,000		6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000		6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000,000	6,617,808,000	6,617,808,000	6,617,808,000	6,617,808,000	6,617,808,000	6,617,808,000
preferred shares outstanding	885,000,000,000	877,500,000,000	877,500,000,000	877,500,000,000	881,587,000,000	881,587,000,000	881,587,000,000		882,500,000,000	882,500,000,000	882,500,000,000		557,500,000,000	557,500,000,000	557,500,000,000		657,500,000,000	1,257,500,000,000	1,250,500,000,000	750,500,000,000	750,500,000,000		740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	740,500,000,000	1,098,006,000,000	1,098,006,000	1,098,006,000	1,098,006,000	1,098,006,000	1,098,006,000	998,006,000	798,006,000	398,006,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	398,007,000	362,507,000	362,507,000	362,507,000
bank owned life insurance				2,793,000,000	2,782,000,000	2,775,000,000	2,767,000,000		2,757,000,000	2,757,000,000	2,753,000,000		2,768,000,000	2,766,000,000	2,762,000,000		2,771,000,000	2,763,000,000	2,581,000,000	2,577,000,000	2,567,000,000		2,551,000,000	2,542,000,000	2,532,000,000	2,528,000,000	2,516,000,000	2,507,000,000	2,494,000,000	2,488,000,000	2,480,000,000	2,466,000,000	2,459,807,000	2,448,913,000	2,445,545,000	2,432,086,000	2,422,692,000	1,777,628,000	1,766,637,000	1,757,668,000	1,748,328,000	1,735,627,000	1,725,388,000	1,718,436,000	1,703,692,000	1,647,170,000	1,609,610,000	1,573,891,000	1,562,449,000	1,549,783,000	1,494,251,000	1,480,203,000	1,471,099,000
assets:
securities:
available-for-sale securities:
taxable								20,539,000,000				21,994,000,000				19,767,000,000						11,179,000,000																																265,944,000,000
tax-exempt								2,720,000,000				2,842,000,000				2,916,000,000						2,728,000,000																																19,792,000,000
total available-for-sale securities								23,259,000,000				24,836,000,000				22,683,000,000						13,907,000,000
held-to-maturity securities—taxable								16,507,000,000				16,509,000,000				10,000,000,000						9,798,000,000
total securities								40,776,000,000				42,222,000,000				33,289,000,000						24,218,000,000
loans and leases:
commercial:
commercial and industrial								49,640,000,000				43,118,000,000				36,898,000,000						35,284,000,000
commercial real estate								13,140,000,000				15,768,000,000				11,412,000,000						7,086,000,000
lease financing								5,128,000,000				4,974,000,000				3,739,000,000
total commercial								67,908,000,000				63,860,000,000				52,049,000,000						42,370,000,000
consumer:
residential mortgage								22,990,000,000				20,907,000,000				15,953,000,000						11,463,000,000
automobile								12,881,000,000				13,454,000,000				13,008,000,000						12,681,000,000
home equity								10,156,000,000				10,409,000,000				10,018,000,000						8,897,000,000
rv and marine								5,650,000,000				5,322,000,000				4,672,000,000						3,706,000,000
other consumer								1,362,000,000				1,314,000,000				1,287,000,000						1,082,000,000
total consumer								53,039,000,000				51,406,000,000				44,938,000,000						37,829,000,000																																12,177,000,000
total loans and leases								120,947,000,000				115,266,000,000				96,987,000,000						80,199,000,000
total earning assets								171,586,000,000				163,313,000,000				140,175,000,000						109,038,000,000																																13,153,000,000
goodwill and other intangible assets								5,731,000,000				5,688,000,000				4,108,000,000
all other assets								10,850,000,000				10,184,000,000				8,635,000,000						7,205,000,000																																82,523,000,000
liabilities and shareholders’ equity:
interest-bearing deposits:
demand deposits—interest-bearing								39,826,000,000				41,779,000,000				32,708,000,000						23,878,000,000
money market deposits								40,401,000,000				33,733,000,000				30,039,000,000						25,728,000,000																																452,763,000,000
savings and other domestic deposits								18,345,000,000				21,316,000,000				17,357,000,000						10,609,000,000
core certificates of deposit								9,780,000,000				2,439,000,000				2,368,000,000						3,003,000,000
other domestic deposits of 250,000 or more								354,000,000				233,000,000
negotiable cds, brokered and other deposits								4,697,000,000				3,838,000,000				3,525,000,000
total interest-bearing deposits								113,403,000,000				103,338,000,000				86,350,000,000						67,562,000,000
total interest-bearing liabilities								129,808,000,000				114,547,000,000				94,107,000,000						78,190,000,000
all other liabilities								5,080,000,000				4,353,000,000				3,205,000,000						2,396,000,000																																18,224,000,000
total liabilities and shareholders’ equity								187,556,000,000				178,768,000,000	179,402,000,000	178,782,000,000	176,856,000,000	152,281,000,000	173,878,000,000	175,172,000,000	125,768,000,000	123,038,000,000	120,116,000,000	118,191,000,000	113,897,000,000	109,002,000,000	108,735,000,000	108,247,000,000	108,203,000,000	108,781,000,000	105,652,000,000	105,358,000,000	104,246,000,000	104,185,000,000	101,988,126,000	101,406,779,000	100,045,506,000	99,714,097,000	100,765,412,000	73,954,017,000	72,644,967,000	71,044,551,000	70,210,178,000	68,845,648,000	68,002,661,000	66,298,010,000	64,330,629,000	59,476,344,000	56,054,966,000	56,622,959,000	55,876,654,000	54,450,652,000	54,978,707,000	53,050,039,000	52,948,509,000	134,000,000
net interest rate spread								2,540,000				3,060,000
impact of noninterest-bearing funds on margin								650,000				190,000
net interest margin/nii								5,481,000,000				5,304,000,000
interest-bearing deposits at federal reserve bank									9,833,000,000	9,443,000,000	8,801,000,000	4,626,000,000	2,691,000,000	2,115,000,000	2,816,000,000		8,134,000,000	11,776,000,000	7,493,000,000	5,276,000,000	5,246,000,000		336,000,000	125,000,000	618,000,000	728,000,000	532,000,000	1,564,000,000
interest-bearing deposits in banks									258,000,000	210,000,000	203,000,000	226,000,000	216,000,000	196,000,000	98,000,000	372,000,000	443,000,000	671,000,000	52,000,000	117,000,000	109,000,000	169,000,000	137,000,000	102,000,000	122,000,000	149,000,000	147,000,000	53,000,000	43,000,000	41,000,000	46,000,000	47,000,000	50,090,000	77,148,000	63,055,000	58,267,000	51,113,000	44,896,000	66,668,000	51,838,000	65,805,000	71,409,000	74,030,000	64,559,000	72,898,000	57,043,000	71,317,000	88,825,000	151,973,000	90,943,000	105,454,000	116,698,000	129,999,000
total huntington bancshares inc shareholders’ equity												18,263,000,000	17,136,000,000	17,950,000,000	18,452,000,000	16,997,000,000	19,479,000,000	20,511,000,000
fully-taxable equivalent basis
investment securities																174,000,000
other earning assets																30,000,000
total interest income from earning assets																867,000,000
deposits																46,000,000			102,184,000,000		95,154,000,000		86,830,000,000		82,395,000,000	80,882,000,000	82,155,000,000	84,774,000,000	81,689,000,000	79,587,000,000	79,471,000,000	77,041,000,000	78,445,113,000	75,933,373,000	77,422,510,000	75,607,717,000	77,405,096,000	55,043,465,000	55,628,842,000	55,294,979,000	54,244,711,000	53,473,179,000	52,832,695,000	51,732,151,000	50,129,837,000	47,506,718,000	46,867,141,000	46,076,075,000	45,008,964,000	43,279,625,000	43,219,727,000	41,402,355,000	41,366,487,000
total interest expense of interest-bearing liabilities																2,000,000
net interest income																865,000,000
table 3 - consolidated average balance sheet and net interest margin analysis
interest-bearing deposits in federal reserve bank																8,129,000,000						3,413,000,000
commercial real estate:
construction																1,500,000,000						1,201,000,000
commercial																9,912,000,000						5,885,000,000
other domestic time deposits of 250,000 or more																353,000,000						230,000,000
accumulated other comprehensive gain																	-125,000,000	-19,000,000	-56,000,000		257,000,000		227,000,000
total shareholders’ equity																			13,600,000,000	12,993,000,000	12,917,000,000		11,769,000,000	11,795,000,000	11,909,000,000	11,668,000,000	11,432,000,000	11,102,000,000	10,934,000,000	11,472,000,000	11,308,000,000	10,814,000,000	10,698,849,000	10,654,182,000	10,437,147,000	10,308,146,000	10,386,765,000	7,507,304,000	7,157,670,000	6,594,606,000	6,582,637,000	6,496,258,000	6,461,954,000	6,328,170,000	6,284,210,000	6,099,323,000	5,867,138,000	5,649,231,000	5,549,828,000	5,418,100,000	5,400,479,000	5,252,643,000	5,038,599,000
accumulated other comprehensive loss																				192,000,000				-256,000,000	-175,000,000	-273,000,000	-455,000,000	-609,000,000	-790,000,000	-730,000,000	-677,000,000	-528,000,000	-369,963,000	-350,357,000	-390,860,000	-401,016,000	-172,175,000	-134,042,000	-167,286,000	-226,158,000	-139,739,000	-185,650,000	-160,832,000	-222,292,000	-182,016,000	-214,009,000	-159,955,000	-135,977,000	-157,816,000	-173,763,000	-80,404,000	-122,543,000	-203,921,000
commitments and contingencies
intangible assets																						2,206,000,000
brokered deposits and negotiable cds																						4,114,000,000
deposits in domestic offices
other intangible assets																													306,000,000	319,000,000	333,000,000	346,000,000	359,844,000	373,861,000	388,103,000	402,458,000	428,774,000	47,666,000	51,266,000	54,978,000	58,793,000	62,705,000	72,665,000	74,671,000	85,324,000	93,193,000	124,236,000	159,195,000	171,135,000	175,302,000	188,477,000	201,864,000	215,251,000
servicing rights																													251,000,000	248,000,000	246,000,000	238,000,000	229,746,000	224,656,000	227,678,000	225,578,000	180,938,000	159,467,000	168,648,000
accrued income and other assets																													2,198,000,000	2,239,000,000	2,201,000,000	2,151,000,000	2,055,270,000	2,016,488,000	2,018,047,000	2,062,976,000	2,277,271,000	1,729,427,000	1,682,275,000	1,845,597,000	1,984,738,000	1,983,143,000	1,927,324,000	1,807,208,000	1,665,071,000	1,619,046,000	1,805,319,000	2,013,230,000	2,191,024,000	2,168,149,000	2,228,376,000	2,145,383,000	2,214,521,000
accrued expenses and other liabilities																													2,296,000,000	2,131,000,000	1,995,000,000	2,068,000,000	1,813,908,000	1,729,876,000	1,643,279,000	1,796,421,000	1,826,862,000	1,516,683,000	1,451,668,000	1,472,073,000	1,569,573,000	1,510,183,000	1,541,940,000	1,504,626,000	1,161,056,000	1,059,888,000	1,059,516,000	1,127,746,000	1,204,408,000	1,213,978,000	1,160,547,000	1,020,163,000	1,082,665,000
common shares issued																													1,065,251,488,000,000	1,107,817,801,000,000	1,104,988,531,000,000	1,075,294,946,000,000	1,084,366,589,000	1,093,162,464,000	1,089,986,453,000	1,088,641,251,000	1,087,731,489,000	801,528,870,000	798,780,938,000	796,969,694,000	798,663,649,000	805,035,698,000	810,249,377,000	813,136,321,000	816,091,946,000	832,217,098,000	840,087,217,000	859,597,015,000	865,873,499,000	865,584,517,000	865,204,511,000	864,310,281,000	864,279,984,000
preferred shares issued																													2,707,571,000,000	2,707,571,000,000	2,707,571,000,000	2,702,571,000,000	2,702,571,000	2,702,571,000	2,705,571,000	2,702,571,000	2,702,571,000	2,602,571,000	2,402,571,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000	1,967,071,000
available-for-sale and other securities																																15,469,000,000	15,453,061,000	15,388,306,000	16,173,605,000	15,562,837,000	16,470,374,000	9,653,038,000	9,319,381,000	8,775,441,000	11,094,868,000	10,254,871,000	9,922,399,000	9,384,670,000	8,721,804,000	7,308,753,000	7,504,639,000	8,666,778,000	8,909,733,000	8,078,014,000	8,713,530,000	8,099,716,000	9,322,434,000
retained (deficit) earnings																																		33,557,000	-126,244,000	-226,844,000	-359,380,000	-390,838,000	-487,717,000	-594,067,000	-708,341,000	-804,884,000	-943,525,000	-1,052,324,000	-1,159,168,000	-1,470,154,000	-1,807,746,000	-2,168,768,000	-2,279,137,000	-2,389,639,000	-2,474,205,000	-2,574,855,000	-2,704,350,000
commercial and industrial loans and leases																																				28,058,712,000				20,559,834,000				19,033,146,000		17,594,276,000				14,699,371,000
commercial real estate loans																																				7,300,901,000				5,268,651,000				5,197,403,000		4,850,094,000				5,825,709,000
automobile loans																																				10,968,782,000				9,480,678,000				8,689,902,000
home equity loans																																				10,105,774,000				8,470,482,000				8,490,915,000		8,336,318,000				8,215,413,000
residential mortgage loans																																				7,724,961,000				5,998,400,000				5,830,609,000		5,321,088,000				5,228,276,000
rv and marine finance loans																																				1,846,447,000
other consumer loans																																				956,419,000				563,054,000				413,751,000		380,011,000				497,568,000
deposits in foreign offices																																								267,408,000				401,052,000		315,705,000				360,781,000
preferred stock—authorized 6,617,808 shares:
series a, 8.50% fixed rate, non-cumulative perpetual convertible preferred stock, par value of 0.01, and liquidation value per share of 1,000																																							362,506,000	362,506,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000	362,507,000
series b, floating rate, non-voting, non-cumulative perpetual preferred stock, par value of 0.01, and liquidation value per share of 1,000																																							23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000	23,785,000
series d, 6.25% fixed rate, non-cumulative perpetual preferred stock, par value of 0.01, and liquidation value per share of 1,000																																							386,348,000
preferred stock—authorized 6,617,808 shares;
federal home loan bank advances																																													1,658,112,000	1,808,293,000	183,491,000	835,653,000	56,938,000	362,972,000	14,157,000	220,224,000	21,379,000
other long-term debt																																													2,590,212,000	1,349,119,000	156,301,000	310,043,000	1,058,167,000	1,231,517,000	1,421,518,000	1,635,247,000	1,900,555,000
subordinated notes																																													976,264,000	1,100,860,000	1,188,674,000	1,418,216,000	1,494,263,000	1,503,368,000	1,537,293,000	1,496,461,000	1,487,566,000
automobile loans and leases																																														6,638,713,000				4,457,446,000				134,438,000,000
federal funds sold and securities purchased under resale agreements																																																	52,000
demand deposits — noninterest-bearing																																																		11,157,805,000				80,213,000,000
preferred stock — authorized 6,617,808 shares;
common stock —
par value of 0.01 and authorized 1,500,000,000 shares																																																		8,656,000
5.00% series b non-voting, cumulative preferred stock, par value of 0.01 and liquidation value per share of 1,000
8.50% series a non-cumulative perpetual convertible preferred stock, par value of 0.01 and liquidation value per share of 1,000																																																			362,507,000	362,507,000	362,507,000
federal funds sold and securities purchased under resale agreement
investment securities:
total investment securities																																																						285,645,000,000
other loans
demand deposits — interest-bearing																																																						76,316,000,000
total core deposits																																																						30,979,000,000
brokered time deposits and negotiable cds
subordinated notes and other long-term debt
continued

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2013-03-31	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31

operating activities
net income	633,000,000	542,000,000	531,000,000	534,000,000	522,000,000	480,000,000	424,000,000	248,000,000	552,000,000	565,000,000	606,000,000	649,000,000	597,000,000	541,000,000	462,000,000	402,000,000	378,000,000	-15,000,000	532,000,000	316,000,000	303,000,000	150,000,000	48,000,000	317,000,000	372,000,000	364,000,000	358,000,000	334,000,000	378,000,000	355,000,000	326,000,000	431,597,000	274,568,000	271,741,000	208,094,000	238,963,000	127,004,000	174,540,000	171,314,000	178,309,000	152,588,000	196,206,000	165,854,000	163,614,000	151,780,000	152,706,000	153,270,000	126,858,000	143,391,000	145,918,000	126,446,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses	122,000,000	103,000,000	115,000,000	107,000,000	106,000,000	100,000,000	107,000,000	126,000,000	99,000,000	92,000,000	85,000,000		106,000,000	67,000,000	25,000,000				-60,000,000	103,000,000			441,000,000				67,000,000				66,000,000				67,638,000
depreciation, amortization, and accretion	175,000,000	188,000,000	209,000,000
share-based compensation expense	31,000,000	32,000,000	21,000,000	25,000,000	28,000,000	33,000,000	20,000,000	24,000,000	25,000,000	23,000,000	25,000,000	23,000,000	19,000,000	23,000,000	40,000,000	32,000,000	31,000,000	38,000,000	28,000,000	17,000,000	20,000,000	25,000,000	15,000,000	19,000,000	16,000,000	31,000,000	17,000,000	19,000,000	15,000,000	29,000,000	15,000,000	19,253,000	20,702,000	53,930,000	-1,885,000	17,040,000	20,769,000	16,531,000	11,268,000	12,279,000	13,563,000	14,478,000	11,095,000	10,010,000	8,021,000
deferred income tax benefit	-94,000,000	-148,000,000	-25,000,000
net gains on sales of securities	0
gain from early extinguishment of debt
net change in:
trading account securities	400,000,000	-4,000,000	-424,000,000	419,000,000	-318,000,000	13,000,000	-42,000,000	-4,000,000	7,000,000	-110,000,000	1,000,000	12,000,000	3,000,000	40,000,000	-28,000,000	31,000,000	16,000,000	-42,000,000	11,000,000	-8,000,000	-9,000,000	-9,000,000	63,000,000	19,000,000	20,000,000	-10,000,000	-61,000,000	-14,000,000	2,000,000	0	1,000,000	2,193,000	6,279,000	3,018,000	35,510,000	-97,224,000	-782,000	10,635,000	-8,927,000	1,612,000	20,537,000	-11,520,000	-5,435,000	24,269,000	4,685,000
loans held for sale	44,000,000	-296,000,000	70,000,000	-28,000,000	-9,000,000	-188,000,000	-2,000,000	76,000,000	-80,000,000	-123,000,000	44,000,000	211,000,000	-21,000,000	24,000,000	461,000,000	59,000,000	-165,000,000	456,000,000	-406,000,000	-139,000,000	-214,000,000	-161,000,000	-20,000,000	142,000,000	-259,000,000	-169,000,000	72,000,000	83,000,000	-110,000,000	-247,000,000	-27,000,000	176,405,000	56,269,000	-244,218,000	23,544,000	71,688,000	113,145,000	-268,378,000	-39,502,000	321,259,000
other assets	-217,000,000	-262,000,000	52,000,000	-125,000,000	-44,000,000	-207,000,000	-385,000,000	424,000,000	-298,000,000	-269,000,000	-348,000,000	-47,000,000	-903,000,000	-35,000,000	-171,000,000	613,000,000	169,000,000	-496,000,000	80,000,000	-158,000,000	113,000,000	-9,000,000	-1,023,000,000	69,000,000	-198,000,000	-180,000,000	-284,000,000
short-term borrowings	-355,000,000	-100,000,000	503,000,000
other liabilities	-183,000,000	462,000,000	-543,000,000	407,000,000	-832,000,000	-103,000,000	184,000,000	52,000,000	502,000,000	243,000,000	-456,000,000	131,000,000	826,000,000	169,000,000	-102,000,000	-428,000,000	194,000,000	689,000,000	-428,000,000	-207,000,000	135,000,000	-137,000,000	892,000,000	-103,000,000	-65,000,000	186,000,000	176,000,000
other	-58,000,000	-21,000,000	4,000,000	-14,000,000	5,000,000	5,000,000	-3,000,000	26,000,000			-24,000,000	3,000,000	15,000,000	-5,000,000	-2,000,000	-124,000,000	-15,000,000	61,000,000	21,000,000	1,000,000	1,000,000			27,000,000	9,000,000	-13,000,000	6,000,000	103,000,000	1,000,000	-137,000,000	1,000,000	4,353,000	1,986,000	5,676,000	5,985,000	25,983,000	-5,530,000	-2,847,000	-4,036,000	9,893,000	6,566,000	-18,437,000	-8,788,000	2,579,000	401,000	108,598,000	-60,371,000	-79,892,000	5,482,000	165,390,000	-119,639,000
net cash from operating activities	487,000,000	554,000,000	513,000,000	1,484,000,000	-438,000,000	305,000,000	464,000,000	898,000,000	999,000,000	630,000,000	130,000,000	1,357,000,000	846,000,000	975,000,000	849,000,000	497,000,000	577,000,000	1,099,000,000	-111,000,000	64,000,000	549,000,000	212,000,000	498,000,000	676,000,000	46,000,000	355,000,000	497,000,000	582,000,000	542,000,000	308,000,000	294,000,000	847,705,000	547,551,000	162,993,000	395,751,000	529,496,000	399,168,000	94,848,000	191,790,000	632,536,000	314,731,000	104,352,000	-18,257,000	259,560,000	211,909,000	283,505,000	277,270,000	208,073,000	196,359,000	435,394,000	754,961,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	487,000,000	554,000,000	513,000,000	1,484,000,000	-438,000,000	305,000,000	464,000,000	898,000,000	999,000,000	630,000,000	130,000,000	1,357,000,000	846,000,000	975,000,000	849,000,000	497,000,000	577,000,000	1,099,000,000	-111,000,000	64,000,000	549,000,000	212,000,000	498,000,000	676,000,000	46,000,000	355,000,000	497,000,000	582,000,000	542,000,000	308,000,000	294,000,000	847,705,000	547,551,000	162,993,000	395,751,000	529,496,000	399,168,000	94,848,000	191,790,000	632,536,000	314,731,000	104,352,000	-18,257,000	259,560,000	211,909,000	283,505,000	277,270,000	208,073,000	196,359,000	435,394,000	754,961,000
investing activities
change in interest-earning deposits with banks	100,000,000
proceeds from:
maturities and calls of available-for-sale securities	2,645,000,000	1,213,000,000	1,481,000,000	2,835,000,000	3,489,000,000	3,088,000,000	1,589,000,000	946,000,000	683,000,000	628,000,000	432,000,000	755,000,000	897,000,000	1,025,000,000	1,376,000,000	1,867,000,000	1,725,000,000	1,925,000,000	1,758,000,000	2,040,000,000	1,710,000,000	1,278,000,000	669,000,000	786,000,000	570,000,000	433,000,000	335,000,000	570,000,000	525,000,000	552,000,000	462,000,000
maturities and calls of held-to-maturity securities	373,000,000	354,000,000	571,000,000	343,000,000	355,000,000	372,000,000	327,000,000	391,000,000	422,000,000	390,000,000	320,000,000	497,000,000	607,000,000	771,000,000	928,000,000	1,078,000,000	1,078,000,000	952,000,000	1,043,000,000	1,014,000,000	855,000,000	775,000,000	398,000,000	365,000,000	276,000,000	205,000,000	175,000,000
maturities and calls of other securities	42,000,000	25,000,000	40,000,000	3,000,000	27,000,000	18,000,000	9,000,000	19,000,000	259,000,000			3,000,000	17,000,000	429,000,000	383,000,000						21,000,000				26,000,000	46,000,000	81,000,000
sales of available-for-sale securities	10,000,000			980,000,000				29,000,000	2,000,000	301,000,000	435,000,000					32,000,000	22,000,000	5,828,000,000	10,000,000	0	2,000,000	371,000,000	19,000,000	2,157,000,000	200,000,000			1,038,000,000	0	178,000,000	203,000,000
purchases of available-for-sale securities	-162,000,000	-2,330,000,000	-1,577,000,000	-3,365,000,000	-3,620,000,000	-3,755,000,000	-3,303,000,000	-3,255,000,000	-161,000,000	-381,000,000	-1,168,000,000	-742,000,000	-1,119,000,000	-1,380,000,000	-3,866,000,000	-4,941,000,000	-4,710,000,000	-5,428,000,000	-4,857,000,000	-5,116,000,000	-3,244,000,000	-268,000,000	-2,476,000,000	-2,862,000,000	-1,284,000,000	-1,536,000,000	-354,000,000	-1,441,000,000	-273,000,000	-264,000,000	-507,000,000
purchases of held-to-maturity securities	0	0	-515,000,000	-1,042,000,000				-1,000,000	-1,000,000	0	-254,000,000	-384,000,000	-436,000,000	-949,000,000	-1,460,000,000	-1,092,000,000	-2,138,000,000							-1,003,000,000	0	-160,000,000	-356,000,000	-267,000,000	0			-666,330,000	-681,054,000	0	-8,616,000					-163,904,000	0	-132,890,000	-82,557,000					106,000	-148,000
purchases of other securities	-39,000,000	-23,000,000	-97,000,000	0	-9,000,000	-135,000,000	-11,000,000	-27,000,000	-3,000,000	-14,000,000	-586,000,000	-71,000,000	-73,000,000	-140,000,000	-796,000,000						-4,000,000	-7,000,000	-55,000,000		-3,000,000	0	-2,000,000	-2,000,000	-3,000,000	0	-2,000,000
net proceeds from sales of loans and leases	215,000,000	112,000,000	49,000,000
principal payments received under direct finance leases	622,000,000	384,000,000	356,000,000
net loan and lease activity, excluding sales and purchases	-3,681,000,000	-2,978,000,000	-2,883,000,000	-3,982,000,000	-2,335,000,000	-2,310,000,000	-1,398,000,000	-1,835,000,000	-261,000,000	-740,000,000	-2,272,000,000	-1,794,000,000	-2,517,000,000	-4,167,000,000	-1,691,000,000	-1,471,000,000	968,000,000	1,751,000,000	1,402,000,000	-745,000,000	-656,000,000	-2,517,000,000	-2,926,000,000	-987,000,000	-355,000,000	-279,000,000	-528,000,000	-1,750,000,000	-964,000,000	-1,482,000,000	-1,137,000,000	-1,520,034,000	-730,599,000	-992,283,000	-437,084,000	-664,663,000	-1,065,309,000	-1,506,789,000	-714,140,000		-1,009,407,000	-839,795,000	-332,637,000
purchases of premises and equipment	-41,000,000	-54,000,000	-54,000,000	-27,000,000	-42,000,000	-42,000,000	-32,000,000	-60,000,000	-23,000,000	-32,000,000	-25,000,000	-49,000,000	-42,000,000	-50,000,000	-73,000,000	-90,000,000	-58,000,000	-77,000,000	-22,000,000	-37,000,000	-33,000,000	-38,000,000	-11,000,000	-25,000,000	-31,000,000	-27,000,000	-24,000,000	-48,000,000	-24,000,000	-22,000,000	-16,000,000	-49,363,000	-32,071,000	-57,081,000	-55,485,000	-56,750,000	-43,842,000	-7,689,000	-12,157,000	-24,076,000	-25,928,000	-29,999,000	-13,094,000	-27,303,000	-23,942,000	-26,135,000	-29,342,000	-41,332,000	-30,604,000	-45,240,000	-26,587,000
purchases of loans and leases	-310,000,000	-122,000,000	-195,000,000	-333,000,000	-299,000,000	-25,000,000	-23,000,000	-19,000,000	-27,000,000	-13,000,000	-12,000,000	-41,000,000	-76,000,000	-97,000,000	-396,000,000	-426,000,000	-278,000,000	-227,000,000	-266,000,000	-258,000,000	-846,000,000	-91,000,000	-311,000,000	-134,000,000	-70,000,000	-97,000,000	-144,000,000	-224,000,000	-214,000,000	-36,000,000	-68,000,000	-292,141,000	-19,299,000	-49,588,000	-43,972,000	-51,417,000	-17,223,000	325,046,000	-667,031,000	-92,585,000	-182,800,000	-41,867,000	-16,474,000	-58,220,000	-21,541,000	0	-393,191,000
net accrued income and other receivables activity	-60,000,000	56,000,000	476,000,000	-561,000,000	-13,000,000	41,000,000	59,000,000	-143,000,000	10,000,000	24,000,000	92,000,000	-162,000,000	914,000,000	49,000,000	-867,000,000
net cash from investing activities	-266,000,000	-2,495,000,000	-2,150,000,000			-2,192,000,000	-2,262,000,000	-3,309,000,000	1,444,000,000	1,167,000,000	-2,299,000,000	-1,263,000,000	-1,141,000,000	-3,850,000,000	-5,355,000,000	-4,751,000,000	-3,197,000,000	4,362,000,000	-376,000,000	-2,487,000,000	-1,783,000,000	-47,000,000	-4,322,000,000	-1,114,000,000	-184,000,000	-64,000,000	-515,000,000	-1,686,000,000	-519,000,000	-682,000,000	-776,000,000	-2,164,041,000	-1,121,818,000	-843,074,000	-737,067,000	-585,366,000	-263,994,000	-1,006,550,000	-1,589,443,000	-1,668,982,000	-1,737,769,000	-353,097,000	-1,168,806,000	-1,471,191,000	-515,681,000	-700,881,000	-803,279,000	-686,744,000	-543,009,000	-416,637,000	341,684,000
financing activities
increase in deposits	1,832,000,000	-1,957,000,000	2,889,000,000	4,097,000,000	3,984,000,000	1,142,000,000	1,995,000,000	2,363,000,000	839,000,000	2,750,000,000	-2,636,000,000	1,601,000,000	878,000,000	-1,530,000,000	3,702,000,000	1,365,000,000	-58,000,000	1,958,000,000	3,236,000,000	3,794,000,000	1,463,000,000	6,861,000,000	4,483,000,000	-48,000,000	1,513,000,000	-548,000,000	-2,619,000,000	3,085,000,000	2,102,000,000	116,000,000	2,430,000,000	-1,404,396,000	2,511,740,000	-1,489,137,000	1,814,793,000	-1,146,065,000	1,110,139,000	-619,510,000	363,177,000	1,028,273,000	795,050,000	739,965,000	1,081,204,000	1,602,530,000	616,206,000	1,068,118,000	1,016,203,000	62,798,000	1,814,502,000	28,751,000	-485,107,000
decrease in short-term borrowings	12,000,000	-56,000,000	-82,000,000												557,000,000		90,000,000
net proceeds from issuance of long-term debt	461,000,000	48,000,000	1,953,000,000	2,287,000,000	68,000,000	2,520,000,000	2,786,000,000	68,000,000	1,303,000,000	10,053,000,000	3,541,000,000	5,625,000,000	3,304,000,000	2,036,000,000	39,000,000	129,000,000	587,000,000	24,000,000	35,000,000	38,000,000	27,000,000	35,000,000	1,286,000,000	59,000,000	880,000,000	22,000,000	835,000,000	108,000,000	790,000,000	1,280,000,000	51,000,000	42,904,000	712,399,000	31,466,000	1,029,231,000		1,029,849,000	27,726,000	1,024,068,000
repayment of long-term debt
dividends paid on preferred stock	-27,000,000	-27,000,000	-27,000,000	-36,000,000	-36,000,000	-35,000,000	-36,000,000	-37,000,000	-40,000,000	-28,000,000	-29,000,000	-29,000,000	-28,000,000	-28,000,000	-28,000,000	-29,000,000	-43,000,000	-31,000,000	-35,000,000	-29,000,000	-18,000,000	-19,000,000	-18,000,000	-19,000,000	-18,000,000	-19,000,000	-18,000,000	-19,000,000	-21,000,000	-11,000,000	-19,000,000	-19,368,000	-18,889,000	-18,878,000	-18,865,000	-7,971,000	-18,537,000	-19,874,000	-7,998,000	-7,971,000	-7,968,000	-7,968,000	-7,965,000	-7,963,000	-7,973,000	-8,049,000	-7,703,000	-7,703,000	-7,703,000	-7,704,000	-7,703,000
dividends paid on common stock	-227,000,000	-227,000,000	-226,000,000	-226,000,000	-226,000,000	-225,000,000	-226,000,000	-226,000,000	-225,000,000	-224,000,000	-225,000,000	-224,000,000	-224,000,000	-224,000,000	-225,000,000	-219,000,000	-223,000,000	-155,000,000	-153,000,000	-154,000,000	-153,000,000	-152,000,000	-155,000,000	-155,000,000	-147,000,000	-147,000,000	-148,000,000	-152,000,000	-122,000,000	-122,000,000	-118,000,000	-87,407,000	-87,425,000	-87,153,000	-87,015,000	-76,552,000	-56,569,000	-55,892,000	-56,195,000	-46,946,000	-48,262,000	-48,572,000	-48,738,000	-45,682,000	-33,683,000	-34,469,000	-34,648,000	-34,549,000	-9,798,000	-8,626,000	-8,618,000
net proceeds from issuance of preferred stock								0	0	0	317,000,000					0	1,000,000	0	485,000,000	0	494,000,000							0	0	0	495,000,000					0	-51,000	198,639,000	386,348,000
net cash from financing activities	2,158,000,000	-3,010,000,000	4,100,000,000	3,562,000,000	3,358,000,000	2,253,000,000	3,849,000,000	1,105,000,000	-2,087,000,000	-1,087,000,000	5,834,000,000	2,234,000,000	763,000,000	2,259,000,000	3,508,000,000	31,000,000	-890,000,000	-795,000,000	2,481,000,000	2,743,000,000	1,216,000,000	4,361,000,000	4,421,000,000	-28,000,000	176,000,000	-29,000,000	-1,318,000,000	2,477,000,000	-106,000,000	687,000,000	31,000,000		252,529,000	886,744,000	265,359,000	-221,299,000	659,585,000	962,634,000	1,366,745,000	859,244,000	1,067,427,000	728,838,000	866,374,000	1,552,334,000	-130,346,000	524,747,000	521,258,000	-595,637,000	1,553,044,000	-243,695,000	-735,713,000
increase in cash and cash equivalents	2,379,000,000	-4,951,000,000	2,463,000,000	262,000,000	39,000,000	366,000,000	2,051,000,000	-1,306,000,000	356,000,000	710,000,000	3,665,000,000	2,328,000,000	468,000,000	-616,000,000	-998,000,000	-4,223,000,000	-3,510,000,000	4,666,000,000	1,994,000,000	320,000,000	-18,000,000	4,526,000,000	597,000,000	-466,000,000	38,000,000	262,000,000	-1,336,000,000					326,032,000	-321,738,000	206,663,000	-75,957,000	-277,169,000	794,759,000	50,932,000	-30,908,000	-177,202,000	-355,611,000	480,093,000	-320,689,000	340,703,000	-434,118,000	107,371,000	-4,751,000	-1,074,308,000	1,206,394,000	-224,938,000	360,932,000
cash and cash equivalents at beginning of period	0	0	12,847,000,000	0	0	0	10,129,000,000	0	0	0	6,704,000,000	0	0	0	5,522,000,000	0	0	0	6,595,000,000	0	0	0	1,170,000,000	0	0	0	2,672,000,000	0	0	0	1,520,000,000	230,000	0	0	1,384,770,000	0	0	0	847,156,000	0	0	0	1,220,565,000	0	1,262,806,000	0	1,115,968,000	0	0	0	847,888,000
cash and cash equivalents at end of period	2,379,000,000	-4,951,000,000	15,310,000,000	262,000,000	39,000,000	366,000,000	12,180,000,000	-1,306,000,000	356,000,000	710,000,000	10,369,000,000	2,328,000,000	468,000,000	-616,000,000	4,524,000,000	-4,223,000,000	-3,510,000,000	4,666,000,000	8,589,000,000	320,000,000	-18,000,000	4,526,000,000	1,767,000,000	-466,000,000	38,000,000	262,000,000	1,336,000,000	1,373,000,000	-83,000,000	313,000,000	1,069,000,000	326,262,000	-321,738,000	206,663,000	1,308,813,000	-277,169,000	794,759,000	50,932,000	816,248,000	-177,202,000	-355,611,000	480,093,000	899,876,000	340,703,000	828,688,000	107,371,000	1,111,217,000	-1,074,308,000	1,206,394,000	-224,938,000	1,208,820,000
maturity/redemption of long-term debt		-758,000,000	-378,000,000	-1,310,000,000	-1,172,000,000	-925,000,000	-156,000,000	-744,000,000	-3,096,000,000	-8,268,000,000	-268,000,000	-6,115,000,000	-744,000,000	-625,000,000	-533,000,000	-755,000,000	-123,000,000	-1,391,000,000	-1,135,000,000	-834,000,000	-584,000,000	-94,000,000	-1,540,000,000	-59,000,000	-23,000,000	-548,000,000	-113,000,000	-883,000,000	-1,181,000,000	-162,000,000	-572,000,000	-65,023,000	-39,958,000	-795,585,000	-47,434,000	-590,092,000	-428,996,000	-60,275,000	-195,475,000	-141,276,000	-106,033,000	-39,332,000	-750,076,000		-2,086,000	-748,171,000	-171,643,000	-187,710,000	-213,367,000	-393,705,000	-107,870,000
change in interest earning deposits with banks			183,000,000
depreciation and amortization				130,000,000	132,000,000	170,000,000	190,000,000	240,000,000	214,000,000	202,000,000	142,000,000	129,000,000	148,000,000	95,000,000	112,000,000	92,000,000	25,000,000	203,000,000	71,000,000	109,000,000	80,000,000	59,000,000	119,000,000	78,000,000	104,000,000	73,000,000	131,000,000	143,000,000	122,000,000	123,000,000	105,000,000	105,937,000	96,238,000	-373,000	211,198,000	80,328,000	91,195,000	103,146,000	105,103,000	78,493,000	94,831,000	72,293,000	95,664,000	93,858,000	67,177,000	68,153,000	70,723,000	69,021,000	70,284,000	69,566,000	73,234,000
deferred income tax provision
net cash paid in business acquisition
sales of other securities								1,000,000	1,000,000
increase in short-term borrowings				-830,000,000			-505,000,000	-229,000,000	-859,000,000	-5,335,000,000	5,128,000,000	1,378,000,000	-2,426,000,000						53,000,000	-67,000,000	-13,000,000	-2,751,000,000	458,000,000	390,000,000	-1,961,000,000	1,381,000,000	776,000,000			-398,000,000	-2,181,000,000	3,236,157,000	-2,703,546,000	3,271,444,000	-2,433,055,000	1,536,043,000	-972,370,000	1,483,227,000	-147,339,000	-852,019,000	-77,949,000	-531,148,000	-357,831,000	-865,043,000	154,490,000	-401,987,000	70,606,000	-774,236,000	176,203,000	-56,145,000	73,843,000
repurchase/redemption of preferred stock
deferred income tax expense					-28,000,000	2,000,000	-29,000,000	-314,000,000	-26,000,000	-17,000,000	55,000,000	155,000,000	56,000,000	56,000,000	52,000,000				61,000,000	30,000,000			-37,000,000	29,000,000	-35,000,000	14,000,000	15,000,000	-62,000,000	-14,000,000	46,000,000	93,000,000	131,756,000
change in interest bearing deposits in banks					-20,000,000	-9,000,000	-15,000,000	47,000,000	-29,000,000	11,000,000	-6,000,000	45,000,000	-34,000,000	-67,000,000	388,000,000	105,000,000	196,000,000	226,000,000	189,000,000	-1,000,000	-53,000,000	-1,000,000	-26,000,000	9,000,000	16,000,000	-26,000,000	-111,000,000	28,000,000	6,000,000	34,000,000	22,000,000	18,312,000	1,214,000	2,598,000	16,876,000		26,279,000	21,772,000	-14,830,000		5,604,000	2,621,000	-9,471,000
net proceeds from sales of portfolio loans and leases					104,000,000	93,000,000	71,000,000	95,000,000	89,000,000	177,000,000	89,000,000	58,000,000	233,000,000	257,000,000	447,000,000	38,000,000	145,000,000
principal payments received under direct finance and sales-type leases					448,000,000	449,000,000	447,000,000	480,000,000	461,000,000	463,000,000	487,000,000	493,000,000	487,000,000	680,000,000	222,000,000	156,000,000	491,000,000	220,000,000	188,000,000		172,000,000	175,000,000	171,000,000		204,000,000	168,000,000	172,000,000
net cash by from investing activities
net cash received from business acquisition
net cash paid for branch disposition																0								0	7,000,000
repurchases of common stock																-150,000,000				-4,000,000	0	0	-88,000,000	-196,000,000	-68,000,000	-152,000,000	-25,000,000	-200,000,000	-691,000,000	0	-48,000,000	-136,796,000									-72,136,000	-99,140,000	-51,707,000		-33,600,000
net cash paid from business combinations
net cash received from business combinations													0
benefit from credit losses																												60,000,000	53,000,000				43,590,000			74,906,000	63,805,000	24,509,000	27,582,000	36,468,000	22,476,000	20,419,000	20,591,000	2,494,000	29,592,000	36,520,000	34,406,000	45,291,000	43,586,000	35,797,000	49,385,000
net cash (paid) received from business acquisition
payment to repurchase preferred stock																-100,000,000
net cash received from business combination																	0
adjustments to reconcile net income to net cash provided by operating activities:
net proceeds from sales of portfolio loans																			158,000,000	417,000,000	280,000,000	225,000,000	191,000,000	379,000,000	240,000,000	203,000,000	227,000,000	236,000,000	151,000,000	234,000,000	76,000,000	175,858,000	167,977,000	140,539,000	118,626,000		117,669,000	159,777,000	74,831,000
payments related to tax-withholding for share based compensation awards																			-5,000,000	-1,000,000	0	-13,000,000	-6,000,000	0	0	-18,000,000	-8,000,000	0	0	-17,000,000	-10,000,000	-387,000	-1,020,000
cash paid for acquisition of a business, net of cash received																																									0	0	-457,836,000
principal payments received from finance leases
supplemental disclosures:
interest paid																																												33,408,000	38,312,000	55,072,000	73,353,000	80,297,000	55,724,000	99,280,000	121,911,000
income taxes paid																																												52,464,000	3,254,000	1,586,000	3,117,000	11,699,000	25,549,000	30,784,000	12,033,000
non-cash activities:
loans transferred to held-for-sale from portfolio																																												11,621,000
loans transferred to portfolio from held-for-sale																																												0
transfer of securities from held-to-maturity to available-for-sale
transfer of securities from available-for-sale to held-to-maturity
deferred income tax (benefit) expense
transfer of loans to oreo
net incomees (gains) on sales of securities																												19,000,000
impairment losses recognized in earnings on available-for-sale securities																																313,000													696,000
maturities, calls, and sales of other securities																												2,000,000
net cash paid for branch divestiture
income taxes (refunded) paid
common stock issued to acquire firstmerit
preferred stock issued to acquire firstmerit
accrued income and other assets																													-155,000,000	67,000,000	-237,000,000	-283,515,000	-78,850,000	-111,645,000	54,010,000	73,695,000	-72,119,000	-56,268,000	-41,066,000	-17,932,000	-40,225,000	-117,241,000	-58,226,000	-281,203,000	-11,734,000
accrued expense and other liabilities																													248,000,000	16,000,000	-49,000,000	190,838,000	102,344,000	127,890,000	-188,072,000	-140,495,000	73,942,000	96,134,000	-25,580,000	-45,190,000	94,856,000	-53,838,000	-30,674,000	220,414,000	-134,700,000
maturities of held-to-maturity securities																													223,000,000	176,000,000	174,000,000		269,687,000	244,232,000	279,077,000	362,009,000	354,525,000	285,039,000	210,606,000	160,713,000	145,486,000	164,075,000	124,631,000	115,610,000	50,136,000	22,763,000	18,089,000	16,925,000	11,500,000
net proceeds from issuance of secured financing
increase in cash a cash equivalents																													-83,000,000	313,000,000	-451,000,000
proceeds from sales of other real estate																														5,000,000	8,000,000	12,844,000	7,354,000	11,942,000	5,860,000	28,534,000	8,475,000	6,340,000	6,950,000	7,982,000	7,031,000	12,168,000	8,857,000	8,738,000	9,206,000	15,139,000	5,545,000	6,916,000	8,841,000	15,520,000	24,540,000
proceeds from stock options exercised																														1,000,000	3,000,000	1,684,000	2,432,000	2,062,000	4,822,000	10,897,000	2,197,000	2,761,000	1,126,000	14,353,000	-1,870,000	2,717,000	3,800,000
maturities and calls of available-for-sale and other securities																																864,909,000	365,198,000	599,632,000	116,261,000		798,398,000	250,618,000	217,015,000		560,960,000	519,080,000	397,406,000	423,672,000	438,838,000	452,337,000	496,689,000	892,497,000	542,246,000
sale of deposits																																								0	0
net cash from (used) financing activities
transfer of securities to held-to-maturity from available-for-sale
sales of available-for-sale and other securities																																	843,389,000	246,399,000	165,364,000		3,722,496,000				131,200,000			59,731,000	230,038,000	161,222,000	145,938,000	401,115,000	107,140,000
purchases of available-for-sale and other securities																																	-1,316,827,000	-1,003,901,000	-887,880,000		-4,029,297,000	-713,428,000	-691,607,000		-1,473,837,000	-920,493,000	-878,256,000	-1,117,746,000	-618,975,000	-362,573,000	-1,416,630,000	-704,935,000	-1,236,141,000
deferred income taxes																																		31,996,000	-20,271,000	182,841,000	-11,230,000	-2,498,000	-4,366,000		-13,181,000
impairment of goodwill																																												0
decrease (increase) in interest-bearing deposits in banks
net cash (paid) received in acquisitions
net proceeds from sales of loans																																										113,711,000	89,347,000	99,148,000	39,150,000	130,396,000	1,397,343,000	147,181,000	1,187,106,000	143,172,000	162,778,000
proceeds from sale of operating lease assets																																												17,229,000	3,786,000	7,814,000	8,970,000	12,283,000	14,277,000	16,124,000	20,060,000
purchases of customer lists
proceeds from issuance of long-term debt																																								905,186,000	580,103,000	751,328,000	995,610,000	750,000,000
repurchase of common stock
net proceeds from issuance of common stock																																												0
net gain on sales of securities																																					-1,031,000				-188,000				-187,000
net proceeds from securitization																																									0
change in deferred income taxes																																											-14,467,000	22,908,000	49,939,000
net loan and lease activity, excluding sales																																												-1,002,968,000	-660,070,000	-1,171,592,000	-1,077,171,000	-1,422,746,000	-1,122,922,000	-1,131,865,000	-470,891,000
loans transferred to available-for-sale securities
purchase of customer list
originations of loans held for sale																																										-1,047,375,000	-843,057,000	-643,037,000	-798,655,000	-961,803,000	-953,486,000	-716,986,000	-603,372,000	-468,564,000	-625,250,000
principal payments on and proceeds from loans held for sale																																										1,023,679,000	653,775,000	651,660,000	865,553,000	828,736,000	1,008,227,000	699,513,000	509,187,000	404,881,000	1,207,216,000
gain on sale of loans held for sale																																												-5,531,000	-20,258,000
gain on sale of loans																																											-4,589,000
gain on early extinguishment of debt
bargain purchase gain																																														0	-11,409,000
net cash received in acquisitions
dividends accrued, paid in subsequent quarter																																												7,563,000	40,195,000	-198,000	48,057,000	29,000	24,801,000	550,000	15,391,000
cash received from acquisition, net of cash paid
maturity/redemption of subordinated notes																																																0	0
proceeds from federal home loan bank advances																																													175,000,000			350,000,000	0
maturity/redemption of federal home loan bank advances																																													-1,000,481,000	-36,313,000	-351,235,000	-1,223,000	-206,112,000	-1,204,000	-151,193,000
non-cash activities
securities transferred to held-to-maturity from available-for-sale
repurchase of warrant to the treasury																																																0	0	0	-49,100,000
cost to issue preferred stock
trust preferred securities exchange
increase in interest bearing deposits in banks																																													37,292,000	67,543,000	171,000		35,581,000	-3,636,000	13,107,000
net cash received from acquisition																																														0	40,310,000
loans transferred to loans held for sale																																													26,316,000
change in current and deferred income taxes																																														47,699,000	49,061,000	30,275,000	13,391,000	18,195,000	22,694,000
net sales (purchases) of trading account securities																																														5,826,000	-13,764,000	39,812,000	13,060,000	65,718,000	20,915,000
securities (gains) losses																																														-1,840,000	613,000		1,350,000	-1,507,000	-40,000
securities losses
net proceeds from issuance of subordinated notes
costs to issue preferred stock
maturities and calls of investment securities																																																			449,045,000
sales of investment securities																																																			1,457,057,000
purchases of investment securities																																																			-1,287,517,000
losses on available-for-sale and other securities
purchases of operating lease assets

Huntington Bancshares Incorporated(NASDAQ:HBAN)

Huntington Bancshares Incorporated
(NASDAQ:HBAN)