##### 



Exhibit 99.1
 REPORT OF
    INDEPENDENT
    REGISTERED
    PUBLIC
    ACCOUNTING
    FIRM
 HUNTINGTONBANCSHARESINCORPORATED
   
             Share-Based Payment Accounting for Servicing of Financial Assets Employers Accounting for
    Defined Benefit Pension and Other Postretirement Plans
  Internal Control 
    Integrated Framework
  
   73




---



##### 



CONSOLIDATED
    BALANCE
    SHEETS
    HUNTINGTONBANCSHARESINCORPORATED  December 31,(in thousands, except number of shares)

2007


2006AssetsCash and due from banks

$
1,416,597


$
1,080,163Federal funds sold and securities purchased under resale
    agreements


592,649



440,584Interest bearing deposits in banks


340,090



74,168Trading account securities


1,032,745



36,056Loans held for sale


494,379



270,422Investment securities


4,500,171



4,362,924Loans and leases:Commercial and industrial loans and leases


13,125,565



7,849,912Commercial real estate loans


9,183,052



4,504,540Automobile loans


3,114,029



2,125,821Automobile leases


1,179,505



1,769,424Home equity loans


7,290,063



4,926,900Residential mortgage loans


5,447,126



4,548,918Other consumer loans


714,998



427,910Loans and leases


40,054,338



26,153,425Allowance for loan and lease losses


(578,442
)


(272,068
)Net loans and leases


39,475,896



25,881,357Bank owned life insurance


1,313,281



1,089,028Premises and equipment


557,565



372,772Goodwill


3,059,333



570,876Other intangible assets


427,970



59,487Accrued income and other assets


1,486,792



1,091,182Total assets

$
54,697,468


$
35,329,019Liabilities and shareholders equityLiabilitiesDeposits in domestic officesDemand deposits  non-interest bearing

$
5,371,747


$
3,615,745Interest bearing


31,644,460



20,640,368Deposits in foreign offices


726,714



791,657Deposits


37,742,921



25,047,770Short-term borrowings


2,843,638



1,676,189Federal Home Loan Bank advances


3,083,555



996,821Other long-term debt


1,937,078



2,229,140Subordinated notes


1,934,276



1,286,657Accrued expenses and other liabilities


1,206,860



1,078,116Total liabilities


48,748,328



32,314,693Shareholders equityPreferred stock  authorized 6,617,808 shares;
    none outstandingCommon stock  No par value and authorized
    500,000,000 shares; issued 257,866,255 shares;
    outstanding 235,474,366 shares






2,560,569Par value of $0.01 and authorized 1,000,000,000 shares;
    issued 387,504,687 shares; outstanding
    366,261,676 shares


3,875Capital surplus


5,703,316Less 21,243,011 and 22,391,889 treasury shares at cost,
    respectively


(480,129
)


(506,946
)Accumulated other comprehensive loss:Unrealized (losses) gains on investment securities


(10,011
)


14,254Unrealized gains on cash flow hedging derivatives


4,553



17,008Pension and other postretirement benefit adjustments


(44,153
)


(86,328
)Retained earnings


771,689



1,015,769Total shareholders equity


5,949,140



3,014,326Total liabilities and shareholders equity

$
54,697,468


$
35,329,019   See Notes to Consolidated Financial Statements
 74




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##### 



CONSOLIDATED
    STATEMENTS
    OF
    INCOME
    HUNTINGTONBANCSHARESINCORPORATED  Year Ended December 31,(in thousands, except per share amounts)

2007


2006


2005Interest and fee incomeLoans and leasesTaxable

$
2,388,799


$
1,775,445


$
1,428,371Tax-exempt


5,213



2,154



1,466Investment securitiesTaxable


221,877



231,294



157,716Tax-exempt


26,920



23,901



19,865Other


100,154



37,725



34,347Total interest income


2,742,963



2,070,519



1,641,765Interest expenseDeposits


1,026,388



717,167



446,919Short-term borrowings


92,810



72,222



34,334Federal Home Loan Bank advances


102,646



60,016



34,647Subordinated notes and other long-term debt


219,607



201,937



163,454Total interest expense


1,441,451



1,051,342



679,354Net interest income


1,301,512



1,019,177



962,411Provision for credit losses


643,628



65,191



81,299Net interest income after provision for credit losses


657,884



953,986



881,112Service charges on deposit accounts


254,193



185,713



167,834Trust services


121,418



89,955



77,405Brokerage and insurance income


92,375



58,835



53,619Other service charges and fees


71,067



51,354



44,348Bank owned life insurance income


49,855



43,775



40,736Mortgage banking income


29,804



41,491



28,333Securities (losses), net


(29,738
)


(73,191
)


(8,055
)Other income


87,629



163,137



228,062Total non-interest income


676,603



561,069



632,282Personnel costs


686,828



541,228



481,658Outside data processing and other services


127,245



78,779



74,638Net occupancy


99,373



71,281



71,092Equipment


81,482



69,912



63,124Amortization of intangibles


45,151



9,962



829Marketing


46,043



31,728



26,279Professional services


40,320



27,053



34,569Telecommunications


24,502



19,252



18,648Printing and supplies


18,251



13,864



12,573Other expense


142,649



137,935



186,410Total non-interest expense


1,311,844



1,000,994



969,820Income before income taxes


22,643



514,061



543,574(Benefit) provision for income taxes


(52,526
)


52,840



131,483Net income

$
75,169


$
461,221


$
412,091Average common shares  basic


300,908



236,699



230,142Average common shares  diluted


303,455



239,920



233,475Per common shareNet income  basic

$
0.25


$
1.95


$
1.79Net income  diluted


0.25



1.92



1.77Cash dividends declared


1.060



1.000



0.845   See Notes to Consolidated Financial Statements
 75




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##### 



CONSOLIDATED
    STATEMENTS
    OF
    CHANGES
    IN
    SHAREHOLDERS
    EQUITY
    HUNTINGTONBANCSHARESINCORPORATED  AccumulatedPreferred Stock


Common Stock





Treasury Stock


OtherCapital





Comprehensive


Retained(in thousands)

Shares


Amount


Shares


Amount


Surplus


Shares


Amount


Loss


Earnings


TotalBalance  January 1, 2005






$



257,866


$
2,484,204







(26,261
)

$
(499,259
)

$
(10,903
)

$
563,596


$
2,537,638Comprehensive Income:Net income


































412,091



412,091Unrealized net losses on investment securities arising during
    the period, net of reclassification for net realized losses, net
    of tax of $11,626






























(21,333
)






(21,333
)Unrealized gains on cash flow hedging derivatives, net of tax of
    ($5,898)






























10,954







10,954Minimum pension liability adjustment, net of tax of $437






























(811
)






(811
)Total comprehensive income






































400,901Cash dividends declared ($0.845 per share)


































(193,843
)


(193,843
)Stock options exercised














2,999







1,866



36,195











39,194Treasury shares purchased






















(9,591
)


(231,656
)










(231,656
)Other














4,123







226



1,144











5,267Balance  December 31, 2005










257,866



2,491,326







(33,760
)


(693,576
)


(22,093
)


781,844



2,557,501Comprehensive Income:Net income


































461,221



461,221Unrealized net gains on investment securities arising during the
    period, net of reclassification for net realized losses, net of
    tax of ($26,369)






























48,270







48,270Unrealized gains on cash flow hedging derivatives, net of tax of
    ($970)






























1,802







1,802Minimum pension liability adjustment, net of tax of ($145)






























269







269Total comprehensive income






































511,562Cumulative effect of change in accounting principle for
    servicing financial assets, net of tax of $6,521


































12,110



12,110Cumulative effect of change in accounting for funded status of
    pension plans, net of tax of $44,861






























(83,314
)






(83,314
)Cash dividends declared ($1.00 per share)


































(239,406
)


(239,406
)Shares issued pursuant to acquisition














53,366







25,350



522,390











575,756Recognition of the fair value of share-based compensation














18,574























18,574Treasury shares purchased






















(15,981
)


(378,835
)










(378,835
)Stock options exercised














(3,007
)






2,013



43,836











40,829Other














310







(14
)


(761
)










(451
)Balance  December 31, 2006










257,866



2,560,569







(22,392
)


(506,946
)


(55,066
)


1,015,769



3,014,326Comprehensive Income:Net income


































75,169



75,169Unrealized net losses on investment securities arising during
    the period, net of
    reclassification(1) for
    net realized gains, net of tax of $13,245






























(24,265
)






(24,265
)Unrealized losses on cash flow hedging derivatives, net of
    tax of $6,707






























(12,455
)






(12,455
)Change in accumulated unrealized losses for pension and other
    post-retirement obligations, net of tax of ($22,710)






























42,175







42,175Total comprehensive income






































80,624Assignment of $0.01 par value per share for each share
    of common stock














(2,557,990
)


2,557,990



















Cash dividends declared ($1.06 per share)


































(319,249
)


(319,249
)Shares issued pursuant to acquisitions










129,639



1,296



3,130,996



188



4,245











3,136,537Recognition of the fair value of share-based compensation


















21,836



















21,836Stock options exercised


















(9,040
)


1,111



25,822











16,782Other


















1,534



(150
)


(3,250
)










(1,716
)Balance  December 31, 2007






$



387,505


$
3,875


$
5,703,316



(21,243
)

$
(480,129
)

$
(49,611
)

$
771,689


$
5,949,140   (1)
    
    Reclassification adjustments
    represent net unrealized gains or losses as of December 31 of
    the prior year on investment securities that were sold during
    the current year. For the years ended December 31, 2007,
    2006, and 2005 the reclassification adjustments were $19,330,
    net of tax of ($10,408), $47,574, net of tax of ($25,617), and
    $5,236, net of tax of ($2,819), respectively.  See Notes to Consolidated Financial Statements.
 76




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##### 



CONSOLIDATED
    STATEMENTS
    OF
    CASH
    FLOWS
    HUNTINGTONBANCSHARESINCORPORATED  Year Ended December 31,(in thousands)

2007


2006


2005Operating activitiesNet income

$
75,169


$
461,221


$
412,091Adjustments to reconcile net income to net cash provided by
    operating activities:Provision for credit losses


643,628



65,191



81,299Depreciation and amortization


127,261



111,649



172,977Net decrease in current and deferred income taxes


(157,169
)


(357,458
)


(98,703
)Net (increase) decrease in trading account securities


(996,689
)


24,784



275,765Pension contribution






(29,800
)


(63,600
)Originations of loans held for sale


(2,815,854
)


(2,537,999
)


(2,572,346
)Principal payments on and proceeds from loans held for sale


2,693,132



2,532,908



2,501,471Other, net


87,743



(46,037
)


(34,255
)Net cash (used for) provided by operating activities


(342,779
)


224,459



674,699Investing activitiesIncrease in interest bearing deposits in banks


(188,971
)


(48,681
)


7Net cash (paid) received in acquisitions


(80,060
)


60,772



Proceeds from:Maturities and calls of investment securities


405,482



604,286



463,001Sales of investment securities


1,528,480



2,829,529



1,995,764Purchases of investment securities


(1,317,630
)


(3,015,922
)


(2,832,258
)Proceeds from sales of loans


108,588



245,635



Net loan and lease originations, excluding sales


(1,746,814
)


(338,022
)


(1,012,345
)Proceeds from sale of operating lease assets


27,591



128,666



280,746Purchases of premises and equipment


(109,450
)


(47,207
)


(57,288
)Other, net


(32,586
)


(7,760
)


20,415Net cash (used for) provided by investing activities


(1,405,370
)


411,296



(1,141,958
)Financing activities(Decrease) increase in deposits


(165,625
)


936,766



1,655,736Increase (decrease) in short-term borrowings


1,464,542



(292,211
)


682,027Proceeds from issuance of subordinated notes


250,010



250,000



Maturity/redemption of subordinated notes


(46,660
)


(4,080
)


Proceeds from Federal Home Loan Bank advances


2,853,120



2,517,210



809,589Maturity/redemption of Federal Home Loan Bank advances


(1,492,899
)


(2,771,417
)


(925,030
)Proceeds from issuance of long-term debt






935,000



Maturity of long-term debt


(353,079
)


(1,158,942
)


(1,719,403
)Dividends paid on common stock


(289,758
)


(231,117
)


(200,628
)Repurchases of common stock






(378,835
)


(231,656
)Other, net


16,997



41,842



(67,960
)Net cash provided by (used for) financing activities


2,236,648



(155,784
)


2,675Increase in cash and cash equivalents


488,499



479,971



(464,584
)Cash and cash equivalents at beginning of period


1,520,747



1,040,776



1,505,360Cash and cash equivalents at end of period

$
2,009,246


$
1,520,747


$
1,040,776Supplemental disclosures:Income taxes paid

$
104,645


$
410,298


$
230,186Interest paid


1,434,007



1,024,635



640,679Non-cash activitiesMortgage loans exchanged for mortgage-backed securities










15,058Common stock dividends accrued, paid in subsequent quarter


76,762



37,166



28,877Common stock and stock options issued for purchase acquisitions


3,136,537



575,756



   See Notes to Consolidated Financial Statements.
 77




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  1.
    SIGNIFICANT ACCOUNTING POLICIES
  
    Nature of
    Operations  Huntington Bancshares
    Incorporated (Huntington or The Company) is a multi-state
    diversified financial holding company organized under Maryland
    law in 1966 and headquartered in Columbus, Ohio. Through its
    subsidiaries, Huntington is engaged in providing full-service
    commercial and consumer banking services, mortgage banking
    services, automobile financing, equipment leasing, investment
    management, trust services, and discount brokerage services, as
    well as reinsuring private mortgage, credit life and disability
    insurance, and other insurance and financial products and
    services. Huntingtons banking offices are located in Ohio,
    Michigan, West Virginia, Indiana, Kentucky and Pennsylvania.
    Certain activities are also conducted in other states including
    Arizona, Florida, Georgia, Maryland, Nevada, New Jersey, North
    Carolina, South Carolina, Tennessee, and Vermont. Huntington
    also has a limited purpose foreign office in the Cayman Islands
    and another in Hong Kong.
    Basis of
    Presentation  The consolidated financial
    statements include the accounts of Huntington and its
    majority-owned subsidiaries and are presented in accordance with
    accounting principles generally accepted in the United States
    (GAAP). All significant intercompany transactions and balances
    have been eliminated in consolidation. Companies in which
    Huntington holds more than a 50% voting equity interest or are a
    variable interest entity (VIE) in which Huntington absorbs the
    majority of expected losses are consolidated. VIEs in which
    Huntington does not absorb the majority of expected losses are
    not consolidated. For consolidated entities where Huntington
    holds less than a 100% interest, Huntington recognizes a
    minority interest liability (included in accrued expenses and
    other liabilities) for the equity held by others and minority
    interest expense (included in other long-term debt) for the
    portion of the entitys earnings attributable to minority
    interests. Investments in companies that are not consolidated
    are accounted for using the equity method when Huntington has
    the ability to exert significant influence. Those investments in
    non-marketable securities for which Huntington does not have the
    ability to exert significant influence are generally accounted
    for using the cost method and are periodically evaluated for
    impairment. Investments in private investment partnerships are
    carried at fair value. Investments in private investment
    partnerships and investments that are accounted for under the
    equity method or the cost method are included in accrued income
    and other assets and Huntingtons proportional interest in
    the investments earnings are included in other
    non-interest income.  Consolidation of Variable
    Interest Entities
    
    Securities 
    Securities purchased with the intention of recognizing
    short-term profits or which are actively bought and sold are
    classified as trading account securities and reported at fair
    value. The unrealized gains or losses on trading account
    securities are recorded in other non-interest income, except for
    gains and losses on trading account securities used to hedge the
    fair value of mortgage servicing rights, which are included in
    mortgage banking income. All other securities are classified as
    investment securities. Investment securities include securities
    designated as available for sale and non-marketable equity
    securities. Unrealized gains or losses on investment securities
    designated as available for sale are reported as a separate
    component of accumulated other comprehensive loss in the
    consolidated statement of shareholders equity. Declines in
    the value of debt and marketable equity securities that are
    considered other-than-temporary are recorded in non-interest
    income as securities losses.       78




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    
    Loans and
    Leases  Loans and direct financing leases
    for which Huntington has the intent and ability to hold for the
    foreseeable future, or until maturity or payoff, are classified
    in the balance sheet as loans and leases. Loans and leases are
    carried at the principal amount outstanding, net of unamortized
    deferred loan origination fees and costs and net of unearned
    income. Direct financing leases are reported at the aggregate of
    lease payments receivable and estimated residual values, net of
    unearned and deferred income. Interest income is accrued as
    earned using the interest method based on unpaid principal
    balances. Huntington defers the fees it receives from the
    origination of loans and leases, as well as the direct costs of
    those activities. Huntington also acquires loans at a premium
    and at a discount to their contractual values. Huntington
    amortizes loan discounts, loan premiums and net loan origination
    fees and costs on a level-yield basis over the estimated lives
    of the related loans. Management evaluates direct financing
    leases individually for impairment.        and/or
   79




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Accounting by Creditors
    for Impairment of a Loan,
  (See Note 5 for further information.)
    
    Sold Loans and
    Leases  Loans or direct financing leases
    that are sold are accounted for in accordance with Statement
    No. 140, Accounting for Transfers and Servicing of
    Financial Assets and Extinguishments of Liabilities. For
    loan or lease sales with servicing retained, an asset is also
    recorded for the right to service the loans sold, based on the
    fair value of the servicing rights.    
    Allowance for Credit
    Losses  The allowance for credit losses
    (ACL) reflects Managements judgment as to the level of the
    ACL considered appropriate to absorb probable inherent credit
    losses. This judgment is based on the size and current risk
    characteristics of the portfolio, a review of individual loans
    and leases, historical and anticipated loss experience, and a
    review of individual relationships where applicable. External
    influences such as general economic conditions, economic
    conditions in the relevant geographic areas and specific
    industries, regulatory guidelines, and other factors are also
    assessed in determining the level of the allowance.   80




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Accounting for
    Contingencies
      
    Other Real Estate
    Owned  Other real estate owned (OREO) is
    comprised principally of commercial and residential real estate
    properties obtained in partial or total satisfaction of loan
    obligations. Beginning in 2006, OREO also included government
    insured loans in the process of foreclosure. OREO obtained in
    satisfaction of a loan is recorded at the estimated fair value
    less anticipated selling costs based upon the propertys
    appraised value at the date of transfer, with any difference
    between the fair value of the property and the carrying value of
    the loan charged to the allowance for loan losses. Subsequent
    changes in value are reported as adjustments to the carrying
    amount, not to exceed the initial carrying value of the assets
    at the time of transfer. Changes in value subsequent to transfer
    are recorded in non-interest expense. Gains or losses not
    previously recognized resulting from the sale of OREO are
    recognized in non-interest expense on the date of sale.
    Resell and Repurchase
    Agreements  Securities purchased under
    agreements to resell and securities sold under agreements to
    repurchase are generally treated as collateralized financing
    transactions and are recorded at the amounts at which the
    securities were acquired or sold plus accrued interest. The fair
    value of collateral either received from or provided to a third
    party is continually monitored and additional collateral is
    obtained or is requested to be returned to Huntington as deemed
    appropriate.
    Goodwill and Other
    Intangible Assets  Under the purchase
    method of accounting, the net assets of entities acquired by
    Huntington are recorded at their estimated fair value at the
    date of acquisition. The excess cost of the acquisition over the
    fair value of net assets acquired is recorded as goodwill. Other
    intangible assets are amortized either on an accelerated or
    straight-line basis over their estimated useful lives. Goodwill
    and other intangible assets are evaluated for impairment on an
    annual basis at October 1st of each year or whenever
    events or changes in circumstances indicate that the carrying
    value may not be recoverable.
    Mortgage Banking
    Activities  Huntington recognizes the
    rights to service mortgage loans as separate assets, which are
    included in other assets in the consolidated balance sheets,
    only when purchased or when servicing is contractually separated
    from the underlying mortgage loans by sale or securitization of
    the loans with servicing rights retained. Servicing rights are
    initially recorded at fair value. All mortgage servicing rights
    are subsequently carried at fair value, and are included in
    other assets.   81




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED      
    Premises and
    Equipment  Premises and equipment are
    stated at cost, less accumulated depreciation and amortization.
    Depreciation is computed principally by the straight-line method
    over the estimated useful lives of the related assets. Buildings
    and building improvements are depreciated over an average of 30
    to 40 years and 10 to 20 years, respectively. Land
    improvements and furniture and fixtures are depreciated over
    10 years, while equipment is depreciated over a range of
    three to seven years. Leasehold improvements are amortized over
    the lesser of the assets useful life or the term of the
    related leases, including any renewal periods for which renewal
    is reasonably assured. Maintenance and repairs are charged to
    expense as incurred, while improvements that extend the useful
    life of an asset are capitalized and depreciated over the
    remaining useful life.
    Operating Lease
    Assets  Operating lease assets consist of
    automobiles leased to consumers. These assets are reported at
    cost, including net deferred origination fees or costs, less
    accumulated depreciation. Net deferred origination fees or costs
    include the referral payments Huntington makes to automobile
    dealers, which are deferred and amortized on a straight-line
    basis over the life of the lease.  Accounting for the Impairment or Disposal of Long-Lived
    Assets
    
    Bank Owned Life
    Insurance  Huntingtons bank owned
    life insurance policies are carried at their cash surrender
    value. Huntington recognizes tax-free income from the periodic
    increases in the cash surrender value of these policies and from
    death benefits.
    Derivative Financial
    Instruments  A variety of derivative
    financial instruments, principally interest rate swaps, are used
    in asset and liability management activities to protect against
    the risk of adverse price or interest rate movements. These
    instruments provide flexibility in adjusting the Companys
    sensitivity to changes in interest rates without exposure to
    loss of principal and higher funding requirements.    Accounting for Derivative
    Instruments and Hedging Activities
 82




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##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    FIN 39-1,
  
    Advertising
    Costs  Advertising costs are expensed as
    incurred and recorded as a marketing expense, a component of
    non-interest expense.
    Income
    Taxes  Income taxes are accounted for
    under the asset and liability method. Accordingly, deferred tax
    assets and liabilities are recognized for the future book and
    tax consequences attributable to temporary differences between
    the financial statement carrying amounts of existing assets and
    liabilities and their respective tax bases. Deferred tax assets
    and liabilities are determined using enacted tax rates expected
    to apply in the year in which those temporary differences are
    expected to be recovered or settled. The effect on deferred tax
    assets and liabilities of a change in tax rates is recognized in
    income at the time of enactment of such change in tax rates. Any
    interest or penalties due for payment of income taxes are
    included in the provision for income taxes.
    Treasury
    Stock  Acquisitions of treasury stock are
    recorded at cost. The reissuance of shares in treasury for
    acquisitions, stock option exercises, or for other corporate
    purposes, is recorded at weighted-average cost.
    Share-Based
    Compensation  On January 1, 2006,
    Huntington adopted the fair value recognition provisions of FASB
    Statement No. 123 (revised 2004), Share-Based Payment(Statement No. 123R), relating to its share-based
    compensation plans. Prior to January 1, 2006, Huntington
    had accounted for share-based compensation plans under the
    intrinsic value method promulgated by Accounting Principles
    Board (APB) Opinion 25, Accounting for Stock Issued to
    Employees(APB 25), and related interpretations. In
    accordance with APB 25, compensation expense for employee stock
    options was generally not recognized for options granted that
    had an exercise price equal to the market value of the
    underlying common stock on the date of grant.  Accounting for
    Stock-Based Compensation ) (See
    Note 16 for further information.)
 83




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  
    Segment
    Results  Accounting policies for the lines
    of business are the same as those used in the preparation of the
    consolidated financial statements with respect to activities
    specifically attributable to each business line. However, the
    preparation of business line results requires management to
    establish methodologies to allocate funding costs and benefits,
    expenses, and other financial elements to each line of business.
    Changes are made in these methodologies utilized for certain
    balance sheet and income statement allocations performed by
    Huntingtons management reporting system, as appropriate.
    Statement of Cash
    Flows  Cash and cash equivalents are
    defined as Cash and due from banks and Federal
    funds sold and securities purchased under resale
    agreements.  2.
    NEW ACCOUNTING STANDARDS
  Standards
    Adopted in 2007:
  
    Financial Accounting
    Standards Board (FASB) Interpretation No. 48,Accounting for Uncertainty in Income Taxes(FIN 48) In July 2006, the FASB
    issued FIN 48, Accounting for Uncertainty in Income
    Taxes. This Interpretation of FASB Statement No. 109,
    Accounting for Income Taxes, contains guidance on the
    recognition and measurement of uncertain tax positions.
    Huntington adopted FIN 48 on January 1, 2007.
    Huntington recognizes the impact of a tax position if it is more
    likely than not that it will be sustained upon examination,
    based upon the technical merits of the position. The adoption of
    FIN 48 was not significant to Huntingtons
    consolidated financial statements (See Note 17).
    FASB Statement
    No. 158,Employers Accounting for Defined
    Benefit Pension and Other Postretirement Plans  an
    amendment of FASB Statements No. 87, 88, 106, and 132R
    (Statement No. 158) In September 2006,
    the FASB issued Statement No. 158, as an amendment to FASB
    Statements No. 87, 88, 106, and 132R. Huntington adopted
    the recognition provisions of Statement No. 158 at
    December 31, 2006. In addition, Statement No. 158
    requires a fiscal year end measurement of plan assets and
    benefit obligations, eliminating the use of earlier measurement
    dates currently permissible. Huntington has elected the
    two-measurement approach to transition to a fiscal
    year-end measurement date. The impact of transitioning to a
    fiscal year-end measurement date on January 1, 2008, was
    not material to Huntingtons consolidated financial
    statements.  Standards
    Not Yet Fully Adopted as of December 31, 2007:
  
    FASB Statement
    No. 157,Fair Value Measurements(Statement
    No. 157)  In September 2006, the FASB issued
    Statement No. 157. This Statement establishes a common
    definition for fair value to be applied to GAAP guidance
    requiring use of fair value, establishes a framework for
    measuring fair value, and expands disclosure about such fair
    value measurements. Statement No. 157 is effective for
    fiscal years beginning after November 15, 2007. Huntington
    adopted Statement No. 157, effective January 1, 2008.
    The impact of this new pronouncement was not material to
    Huntingtons consolidated financial statements.
    FASB Statement
    No. 159,The Fair Value Option for Financial
    Assets and Financial Liabilities (Statement
    No. 159)  In February 2007, the FASB issued
    Statement No. 159. This Statement permits entities to
    choose to measure financial instruments and certain other
    financial assets and financial liabilities at fair value. This
    Statement is effective for fiscal years beginning after
    November 15, 2007. Huntington adopted Statement
    No. 159, effective January 1, 2008. The impact of this
    new pronouncement was not material to Huntingtons
    consolidated financial statements.
    Securities and
    Exchange Commission (SEC) Staff Accounting
    Bulletin No. 109, Written Loan
    Commitments Recorded at Fair Value Through Earnings(SAB 109)  In November 2007, SEC
    SAB 109 was issued. SAB 109 provides the staffs
    views on the accounting for written loan commitments recorded at
    fair value. To make the staffs views consistent with
    Statement No. 156, Accounting for Servicing of Financial
    Assets, and Statement No. 159, SAB 109 revises and
    rescinds portions of SAB No. 105, Application of
    Accounting Principles to Loan Commitments, and requires that
    the expected net future cash flows related to the associated
    servicing of a loan should be included in the measurement of all
    written loan commitments that are accounted for at fair value
    through earnings. The provisions of SAB 109 are applicable
    to written loan commitments issued or modified in fiscal
    quarters beginning after December 15, 2007. The Company is
    currently assessing the impact this Statement will have on its
    consolidated financial statements.
    FASB Statement
    No. 141 (Revised 2007),Business Combinations
    (Statement No. 141R)  Statement
    No. 141R was issued in December 2007. The revised statement
    requires an acquirer to recognize the assets acquired, the
    liabilities assumed, and any noncontrolling interest in the
    acquiree at the acquisition date, measured at their fair values
    as of that date, with limited exceptions specified in the
    Statement. Statement No. 141R requires prospective
    application for business combinations consummated in fiscal
    years beginning on or after December 15, 2008. Early
    application is prohibited. 84




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  
    FASB Statement
    No. 160,Noncontrolling Interests in Consolidated
    Financial Statements  an amendment of ARB
    No. 51 (Statement No. 160) 
    Statement No. 160 was issued in December 2007. The
    statement requires that noncontrolling interests in subsidiaries
    be initially measured at fair value and classified as a separate
    component of equity. The statement is effective for fiscal year
    beginning on or after December 15, 2008. Earlier adoption
    is prohibited. The Company is currently assessing the impact
    this Statement will have on its consolidated financial
    statements.  3.
    ACQUISITIONS
    2-day
    (in thousands)

July 1, 2007Equity consideration

$
3,133,232Cash consideration


357,031Direct acquisition costs


36,501Purchase price


3,526,764Carrying value of tangible net assets acquired


(1,111,393
)Excess of purchase price over carrying value of net assets
    acquired


2,415,371Purchase accounting adjustments:Loans and leases


192,142Loans held for sale


137,511Premises and equipment


51,083Accrued income and other assets


(33,762
)Accrued expenses and other liabilities


109,153Goodwill and other intangible assets


2,871,498Less other intangible assets:Core deposit intangible


(328,300
)Other identifiable intangible assets


(80,450
)Other intangible assets


(408,750
)Goodwill

$
2,462,748     weighted-average
   85




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  The following table summarizes the
    preliminary estimated fair value of the net assets acquired on
    July 1, 2007 related to the acquisition of Sky Financial:
  (in thousands)

July 1, 2007AssetsCash and due from banks

$
341,566Federal funds sold and securities purchased under resale
    agreements(1)


1,023,284Loans held for sale


167,296Securities and other earning assets


853,633Loans and leases


12,577,906Goodwill and other intangible assets


2,871,498Accrued income and other assets


603,947Total assets


18,439,130Liabilities
    Deposits


12,850,717Borrowings


1,888,290Accrued expenses and other liabilities


173,359Total liabilities


14,912,366Purchase price

$
3,526,764  (1)
    The federal funds sold and securities purchased under resale
    agreements were with Huntington.    (in thousands, except per share amounts)

2007


2006Net interest income

$
1,602,506


$
1,583,047Provision for credit losses


(683,152
)


(102,045
)Net interest income after provision for credit losses


919,354



1,481,002Non-interest income


748,221



779,939Non-interest expense


(1,633,509
)


(1,516,481
)Income before income taxes


34,066



744,460Benefit (provision) for income taxes


49,651



(128,396
)Net income

$
83,717


$
616,064Net income per common shareBasic

$
0.23


$
1.72Diluted


0.23



1.70Average common shares outstandingBasic


365,696



357,393Diluted


367,069



361,537      86




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    4.
    INVESTMENT SECURITIES
    Unrealized(in thousands)

Amortized Cost

Gross Gains

Gross Losses

Fair Value2007U.S. Treasury

$
549

$
7

$


$
556Federal Agencies
    Mortgage-backed securities


1,559,388


13,743


(1,139)


1,571,992Other agencies


170,195


2,031


(2)


172,224Total Federal agencies


1,729,583


15,774


(1,141)


1,744,216Asset-backed securities


869,654


2,915


(38,080)


834,489Municipal securities


691,384


8,507


(2,565)


697,326Private label collaterized mortgage obligations


784,339


4,109


(5,401)


783,047Other securities


440,152


432


(47)


440,537Total investment securities

$
4,515,661

$
31,744

$
(47,234)

$
4,500,171   Unrealized(in thousands)

Amortized Cost

Gross Gains

Gross Losses


Fair Value2006U.S. Treasury

$
1,846

$
15

$
(5
)

$
1,856Federal AgenciesMortgage-backed securities


1,277,184


4,830


(553
)


1,281,461Other agencies


149,917


102


(70
)


149,949Total Federal agencies


1,427,101


4,932


(623
)


1,431,410Asset-backed securities


1,574,572


11,372


(3,140
)


1,582,804Municipal securities


586,467


7,332


(2,376
)


591,423Private label collaterized mortgage obligations


586,088


4,046


(72
)


590,062Other securities


164,829


607


(67
)


165,369Total investment securities

$
4,340,903

$
28,304

$
(6,283
)

$
4,362,924       2007

2006(in thousands)

Amortized Cost

Fair Value

Amortized Cost

Fair ValueUnder 1 year

$
104,477

$
104,520

$
7,490

$
7,4731-5 years


87,584


89,720


203,728


203,8676-10 years


186,577


188,273


170,075


169,680Over 10 years


3,714,072


3,694,722


3,802,375


3,824,111Non-marketable equity securities


414,583


414,583


150,754


150,754Marketable equity securities


8,368


8,353


6,481


7,039Total investment securities

$
4,515,661

$
4,500,171

$
4,340,903

$
4,362,924  87




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED      Less than 12 Months


Over 12 Months


TotalUnrealized





Unrealized





Unrealized(in thousands)

Fair Value


Losses


Fair Value


Losses


Fair Value


LossesU.S. Treasury

$



$



$



$



$



$
Federal agenciesMortgage-backed securities


128,629



(1,139
)










128,629



(1,139
)Other agencies


497



(2
)










497



(2
)Total Federal agencies


129,126



(1,141
)










129,126



(1,141
)Asset-backed securities


653,603



(33,422
)


71,790



(4,658
)


725,393



(38,080
)Municipal securities


163,721



(1,432
)


106,305



(1,133
)


270,026



(2,565
)Private label collaterized mortgage obligations


273,137



(5,401
)










273,137



(5,401
)Other securities


6,627



(47
)










6,627



(47
)Total temporarily impaired securities

$
1,226,214


$
(41,443
)

$
178,095


$
(5,791
)

$
1,404,309


$
(47,234
)   and/or
    5. LOANS
    AND LEASES
   88




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    At December 31,(in thousands)

2007


2006Commercial and industrialLease payments receivable

$
977,183


$
624,656Estimated residual value of leased assets


52,438



44,893Gross investment in commercial lease financing receivables


1,029,621



669,549Deferred origination fees and costs


4,469



3,983Unearned income


(139,422
)


(86,849
)Total net investment in commercial lease financing
    receivables

$
894,668


$
586,683ConsumerLease payments receivable

$
543,640


$
857,127Estimated residual value of leased assets


740,621



1,068,766Gross investment in consumer lease financing receivables


1,284,261



1,925,893Deferred origination fees and costs


(1,368
)


(810
)Unearned income


(103,388
)


(155,659
)Total net investment in consumer lease financing
    receivables

$
1,179,505


$
1,769,424     Franklin
    Credit Management Corporation (Franklin) Portfolio
     Participated to(in thousands)

Franklin


Tribeca


Subtotal


others


TotalVariable rate, term loan (Facility A)

$
600,000


$
400,000


$
1,000,000


$
(175,303
)

$
824,697Variable rate, subordinated term loan (Facility B)


318,937



91,133



410,070



(73,994
)


336,076Fixed rate, junior subordinated term loan (Facility C)


125,000







125,000



(8,224
)


116,776Line of credit facility


1,033







1,033







1,033Other variable rate term loans


4,327



44,537



48,864



(22,269
)


26,595Subtotal


1,049,297



535,670



1,584,967


$
(279,790
)

$
1,305,177Participated to others


(194,045
)


(85,745
)


(279,790
)Total principal owed to Huntington


855,252



449,925



1,305,177Amounts charged off


(116,776
)






(116,776
)Total book value of loans

$
738,476


$
449,925


$
1,188,401    89




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Single
    Family Homebuilders
     Home
    Equity and Residential Mortgage Loans
   Related
    Party Transactions
   (in thousands)

2007


2006Balance, beginning of year

$
56,506


$
76,488Loans made


125,229



105,337Repayments


(98,366
)


(91,639
)Changes due to status of executive officers and directors


13,024



(33,680
)Balance, end of year

$
96,393


$
56,506   Nonaccrual
    Loans, Non-Performing Assets and Past Due Loans and
    Leases
    At December 31,(in thousands)

2007


2006Commercial and industrial

$
87,679


$
58,393Commercial real estate


148,467



37,947Residential mortgage


59,557



32,527Home equity


24,068



15,266Total nonaccrual loans and leases


319,771



144,133Restructured loans


1,187,368



Other real estate, net


75,271



49,487Impaired loans held for
    sale(1)


73,481



Other nonperforming
    assets(2)


4,379



Total nonperforming assets

$
1,660,270


$
193,620Accruing loans past due 90 days or more

$
140,977


$
59,114  (1)
    Represent loans obtained from the Sky acquisition that are
    intended to be sold. Held for sale loans are carried at the
    lower of cost or fair value.(2)
    Other NPAs represent certain investment securities backed by
    mortgage loans to borrowers with lower FICO scores.   90




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    6. LOAN
    SALES AND SECURITIZATIONS
  Residential
    Mortgage Loans
          (in thousands)

2007


2006Fair value, beginning of period

$
131,104


$
109,890New servicing assets created


32,058



29,013Servicing assets acquired


81,450



2,474Change in fair value during the period due to:Time
    decay(1)


(6,226
)


(4,086
)Payoffs(2)


(14,361
)


(11,058
)Changes in valuation inputs or
    assumptions(3)


(16,131
)


4,871Fair value, end of year

$
207,894


$
131,104  (1)
    Represents decrease in value due to passage of time, including
    the impact from both regularly scheduled loan principal payments
    and partial loan paydowns.(2)
    Represents decrease in value associated with loans that paid off
    during the period.(3)
    Represents change in value resulting primarily from
    market-driven changes in interest rates.      Decline in fairvalue due to10%


20%adverse


adverse(in thousands)

Actual


change


changeConstant pre-payment rate


13.34
%

$
(9,488
)

$
(18,601
)Discount rate


9.28



(7,004
)


(13,557
)      91




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Automobile
    Loans
       Year Ended December 31,(in thousands)




2007


2006Carrying value, beginning of year





$
7,916


$
10,805New servicing assets






1,900



4,748Amortization






(5,717
)


(7,637
)Impairment charges










Carrying value, end of year





$
4,099


$
7,916Fair value, end of year





$
5,005


$
9,457       7. ALLOWANCES
    FOR CREDIT LOSSES (ACL)
   92




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Year Ended December 31,(in thousands)

2007


2006


2005Allowance for loan and leases losses, beginning of year
    (ALLL)

$
272,068


$
268,347


$
271,211Acquired allowance for loan and lease losses


188,128



23,785



Loan and lease losses


(517,943
)


(119,692
)


(115,848
)Recoveries of loans previously charged off


40,312



37,316



35,791Net loan and lease losses


(477,631
)


(82,376
)


(80,057
)Provision for loan and lease losses


628,802



62,312



83,782Economic reserve
    transfer(1)










(6,253
)Allowance for assets sold and
    securitized(2)










(336
)Allowance for loans transferred to held-for-sale


(32,925
)






Allowance for loan and lease losses, end of year

$
578,442


$
272,068


$
268,347Allowance for unfunded loan commitments and letters of
    credit, beginning of year (AULC)

$
40,161


$
36,957


$
33,187Acquired AULC


11,541



325Provision for unfunded loan commitments and letters of credit
    losses


14,826



2,879



(2,483
)Economic reserve
    transfer(1)










6,253Allowance for unfunded loan commitments and letters of
    credit, end of year

$
66,528


$
40,161


$
36,957Total allowances for credit losses (ACL)

$
644,970


$
312,229


$
305,304Recorded balance of impaired loans, at end of
    year(3):With specific reserves assigned to the loan and lease
    balances(4)

$
1,318,518


$
35,212


$
41,525With no specific reserves assigned to the loan and lease balances


33,062



25,662



14,032Total

$
1,351,580


$
60,874


$
55,557Average balance of impaired loans for the
    year(3)

$
424,797


$
65,907


$
29,441Allowance for loan and lease losses on impaired
    loans(3)


142,058



7,612



14,526   (1)
    During 2005, the economic reserve associated with unfunded loan
    commitments was transferred from the ALLL to the AULC. This
    transfer had no impact on net income.(2)
    In conjunction with the automobile loan sales and
    securitizations in 2005, an allowance for loan and lease losses
    attributable to the associated loans sold was included as a
    component of the loans carrying value upon their sale.(3)
    Includes impaired commercial and industrial loans and commercial
    real estate loans with outstanding balances greater than
    $500,000. A loan is impaired when it is probable that Huntington
    will be unable to collect all amounts due according to the
    contractual terms of the loan agreement. Impaired loans are
    included in non-performing assets. The amount of interest
    recognized in 2007, 2006 and 2005 on impaired loans while they
    were considered impaired was $0.9 million, less than
    $0.1 million, and less than $0.1 million,
    respectively. The recovery of the investment in impaired loans
    with no specific reserves generally is expected from the sale of
    collateral, net of costs to sell that collateral.(4)
    The loans to Franklin, classified as troubled debt
    restructuring, are included in impaired loans at the end of the
    year.  8. GOODWILL
    AND OTHER INTANGIBLE ASSETS
    Regional


Dealer




Treasury/

Huntington(in thousands)

Banking


Sales

PFCMG


Other

ConsolidatedBalance, January 1, 2006

$
199,971


$


$
12,559


$


$
212,530Goodwill acquired during the period


335,884






22,462






358,346Balance, December 31, 2006


535,855






35,021






570,876Goodwill acquired during the period


2,370,804






56,946



61,845


2,489,595Adjustments


(504
)





(4,450
)


3,816


(1,138
)Balance, December 31, 2007

$
2,906,155


$


$
87,517


$
65,661

$
3,059,333   Goodwill and Other Intangible Assets,
 93




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    GrossCarrying

Accumulated


Net(in thousands)

Amount

Amortization


Carrying ValueDecember 31, 2007Core deposit intangible

$
373,300

$
(46,057
)

$
327,243Customer relationship


104,574


(7,055
)


97,519Other


23,655


(20,447
)


3,208Total other intangible assets

$
501,529

$
(73,559
)

$
427,970December 31, 2006Core deposit intangible

$
45,000

$
(7,525
)

$
37,475Customer relationship


19,622


(1,634
)


17,988Other


23,655


(19,631
)


4,024Total other intangible assets

$
88,277

$
(28,790
)

$
59,487     Amortization(in thousands)

Expense2008

$
75,6422009


67,3662010


59,5972011


52,6002012


45,503   9. PREMISES
    AND EQUIPMENT
    At December 31,(in thousands)

2007


2006Land and land improvements

$
122,224


$
79,273Buildings


355,560



270,942Leasehold improvements


176,952



154,097Equipment


565,303



491,428Total premises and equipment


1,220,039



995,740Less accumulated depreciation and amortization


(662,474
)


(622,968
)Net premises and equipment

$
557,565


$
372,772     Year Ended December 31,(in thousands)

2007


2006


2005Total depreciation and amortization of premises and equipment

$
64,052


$
52,333


$
50,355Rental income credited to occupancy expense


12,808



11,602



11,010  94




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  10.
    SHORT-TERM
    BORROWINGS    At December 31,(in thousands)

2007


2006Federal funds purchased

$
1,013,119


$
520,354Securities sold under agreements to repurchase


1,693,307



1,111,959Other borrowings


137,212



43,876Total short-term borrowings

$
2,843,638


$
1,676,189       Year Ended December 31,(in thousands)

2007


2006Average balance during the year

$
1,490,264


$
1,065,649Average interest rate during the year


3.59
%


3.33
%Maximum month-end balance during the year

$
2,188,629


$
1,213,673   11. FEDERAL
    HOME LOAN BANK ADVANCES
    12. SUBORDINATED
    NOTES
    At December 31,(in thousands)

2007


2006Parent company:6.11% subordinated notes due 2008

$
50,020


$
6.21% subordinated notes due 2013


48,070



5.66% junior subordinated debentures due
    2027(1)


184,836



206,1865.62% junior subordinated debentures due
    2028(2)


93,093



103,0938.54% junior subordinated debentures due 2029


23,389



23,4285.60% junior subordinated debentures due 2030


66,848



6.14% junior subordinated debentures due
    2033(3)


6,224



6.13% junior subordinated debentures due
    2033(4)


31,411



5.76% junior subordinated debentures due
    2036(5)


78,465



6.16% junior subordinated debentures due
    2036(5)


78,466



6.69% junior subordinated debentures due
    2067(6)


249,356



The Huntington National Bank:8.18% subordinated notes due 2010


145,167



152,3036.21% subordinated notes due 2012


64,773



5.00% subordinated notes due 2014


198,076



193,1225.59% subordinated notes due 2016


253,365



248,9086.67% subordinated notes due 2018


213,793



212,5265.45% subordinated notes due 2019


148,924



147,091Total subordinated notes

$
1,934,276


$
1,286,657   (1)
    Variable effective rate at December 31, 2007, based on
    three month LIBOR + 0.70.(2)
    Variable effective rate at December 31, 2007, based on
    three month LIBOR + 0.625.(3)
    Variable effective rate at December 31, 2007, based on
    three month LIBOR + 3.25.(4)
    Variable effective rate at December 31, 2007, based on
    three month LIBOR + 2.95.(5)
    Variable effective rate at December 31, 2007, based on
    three month LIBOR + 1.40.(6)
    The junior subordinated debentures due 2067 are subordinate to
    all other junior subordinated debentures. 95




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED         13. OTHER
    LONG-TERM DEBT
    At December 31,(in thousands)

2007


2006The Huntington National Bank

$
715,465


$
808,1125.33% Securitization trust note payable due
    2012(1)


155,666



408,7455.57% Securitization trust note payable due
    2018(2)


1,015,947



962,2837.88% Class C preferred securities of REIT subsidiary, no
    maturity


50,000



50,000Total other long-term debt

$
1,937,078


$
2,229,140  (1)
    Variable effective rate at December 31, 2007, based on one
    month LIBOR + 0.33.(2)
    Variable effective rate at December 31, 2007, based on one
    month LIBOR + 0.67.          14. SHAREHOLDERS
    EQUITY
  Change
    in Par Value and Shares Authorized
    Share
    Repurchase Program
   96




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    15. EARNINGS
    PER SHARE
    Year ended December 31,(in thousands, except per share amounts)

2007


2006


2005Net income

$
75,169


$
461,221


$
412,091Average common shares outstanding


300,908



236,699



230,142Dilutive potential common shares


2,547



3,221



3,333Diluted average common shares outstanding


303,455



239,920



233,475Earnings Per ShareBasic

$
0.25


$
1.95


$
1.79Diluted


0.25



1.92



1.77       16. SHARE-BASED
    COMPENSATION
       97




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    2007


2006


2005AssumptionsRisk-free interest rate


4.74
%


4.96
%


4.07
%Expected dividend yield


5.26



4.24



3.34Expected volatility of Huntingtons common stock


21.1



22.2



26.3Expected option term (years)


6.0



6.0



6.0Weighted-average grant date fair value per share

$
2.80


$
4.21


$
5.28     Year EndedDecember 31,(in millions, except per share amounts)

2005Pro forma resultsNet income, as reported

$
412.1Pro forma expense, net of tax


(11.9
)Pro forma net income

$
400.2Net income per common share:Basic, as reported

$
1.79Basic, pro forma


1.74Diluted, as reported


1.77Diluted, pro forma


1.71     Weighted-Weighted-

AverageAverage

Remaining

AggregateExercise

Contractual

Intrinsic(in thousands, except per share amounts)

Options


Price

Life (Years)

ValueOutstanding at January 1, 2007


20,573


$21.36Granted


2,131


20.03Acquired(1)


7,374


18.40Exercised


(1,048
)

18.10Forfeited/expired


(965
)

22.80Outstanding at December 31, 2007


28,065


$20.55

4.5

$1,578Exercisable at December 31, 2007


24,106


$20.32

4.2

$1,578   (1)
    Relates to option plans acquired from the merger with Sky
    Financial.       98




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED        Weighted-




Weighted-Average




AverageRestricted


Grant Date

Restricted


Grant DateStock


Fair Value

Stock


Fair Value(in thousands, except per share amounts)

Units


Per Share

Awards


Per ShareNonvested at January 1, 2007


468



$23.37





$
Granted


682



20.00


222



22.74Vested


(8
)


23.34


(222
)


22.74Forfeited


(56
)


21.56






Nonvested at December 31, 2007


1,086



$21.35





$
         Options Outstanding



Exercisable OptionsWeighted-AverageRemaining

Weighted-



Weighted-Contractual

Average



AverageLife

Exercise



Exercise(in thousands, except per share amounts)

Shares

(Years)

Price

Shares

PriceRange of Exercise Prices$9.91 to $15.00


1,979

2.9

$14.00


1,979

$
14.00$15.01 to $20.00


9,182

4.1

17.80


9,171


17.80$20.01 to $25.00


14,673

5.4

22.14


10,725


22.20$25.01 to $28.35


2,231

1.1

27.21


2,231


27.21Total


28,065

4.5

$20.55


24,106

$
20.32      99




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  17. INCOME
    TAXES
          At December 31,(in thousands)

2007


2006


2005Current tax (benefit) provisionFederal

$
135,196


$
340,665


$
163,383State


288



222



210Total current tax provision


135,484



340,887



163,593Deferred tax (benefit) provisionFederal


(188,518
)


(288,475
)


(32,681
)State


508



428



571Total deferred tax benefit


(188,010
)


(288,047
)


(32,110
)(Benefit) provision for income taxes

$
(52,526
)

$
52,840


$
131,483       2007


2006


2005(in thousands)

Amount


Amount


AmountProvision for income taxes computed at the statutory rate

$
7,925


$
179,921


$
190,251Increases (decreases):Tax-exempt interest income


(13,161
)


(10,449
)


(8,741
)Tax-exempt bank owned life insurance income


(17,449
)


(15,321
)


(14,257
)Asset securitization activities


(18,627
)


(10,157
)


(6,651
)Federal tax loss carryback






(33,086
)


(28,705
)General business credits


(8,884
)


(7,130
)


(6,878
)Repatriation of foreign earnings










5,741Resolution of federal income tax audit






(52,604
)


Other, net


(2,330
)


1,666



723(Benefit) provision for income taxes

$
(52,526
)

$
52,840


$
131,483  100




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    At December 31,(in thousands)

2007

2006Deferred tax assets:Allowances for credit losses

$
170,231

$
132,085Loss and other carry-forwards


36,500


37,872Fair value adjustments


33,238


40,971Partnerships investments


22,257


5,327Operating assets


30,286


21,291Accrued expense/prepaid


41,446


30,995Other


51,239


29,628Total deferred tax assets


385,197


298,169Deferred tax liabilities:Lease financing


413,227


547,488Pension and other employee benefits


21,154


34,133Purchase accounting adjustments


27,913


13,978Mortgage servicing rights


38,732


32,123Loan origination costs


16,793


19,497Other


56,256


57,556Total deferred tax liability


574,075


704,775Net deferred tax liability before valuation allowance


188,878


406,606Valuation allowance


35,852


37,315Net deferred tax liability

$
224,730

$
443,921       18. BENEFIT
    PLANS
     101




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED     Post-RetirementPension Benefits


Benefits2007


2006


2007


2006Weighted-average assumptions used to determine benefit
    obligations at December 31Discount rate


6.30
%


5.74
%


6.30
%


5.74
%Rate of compensation increase


5.00



5.00



N/A



N/AWeighted-average assumptions used to determine net periodic
    benefit cost for the years ended December 31Discount rate


5.97
%


5.43
%


5.97
%


5.43
%Expected return on plan assets


8.00



8.00



N/A



N/ARate of compensation increase


5.00



5.00



N/A



N/A          Post-RetirementPension Benefits


Benefits(in thousands)

2007


2006


2007


2006Projected benefit obligation at beginning of measurement year
    (September 30)

$
425,704


$
418,091


$
48,221


$
43,616Changes due to:Service cost


19,087



17,262



1,608



1,302Interest cost


24,408



22,157



2,989



2,332Benefits paid


(7,823
)


(7,491
)


(3,242
)


(3,540
)Settlements


(12,080
)


(11,523
)






Plan amendments


2,295







15,685



1,700Actuarial assumptions and gains and losses


(23,763
)


(12,792
)


(6,253
)


2,811Total changes


2,124



7,613



10,787



4,605Projected benefit obligation at end of measurement year
    (September 30)

$
427,828


$
425,704


$
59,008


$
48,221      102




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Pension Benefits(in thousands)

2007


2006Fair value of plan assets at beginning of measurement year
    (September 30)

$
481,015


$
440,787Changes due to:Actual return on plan assets


56,981



30,232Employer contributions






29,800Settlements


(13,280
)


(12,313
)Benefits paid


(7,823
)


(7,491
)Total changes


35,878



40,228Fair value of plan assets at end of measurement year
    (September 30)

$
516,893


$
481,015       Pension Benefits


Post-Retirement Benefits(in thousands)

2007


2006


2005


2007


2006


2005Service cost

$
19,087


$
17,552


$
14,186


$
1,608


$
1,302


$
1,378Interest cost


24,408



22,157



19,016



2,989



2,332



2,903Expected return on plan assets


(37,056
)


(33,577
)


(25,979
)










Amortization of transition asset


4



(1
)


(4
)


1,104



1,104



1,104Amortization of prior service cost


1



1



1



379



489



379Amortization of gain














(368
)


(722
)


(126
)Settlements


2,218



3,565



3,642











Recognized net actuarial loss


11,076



17,509



10,689











Benefit cost

$
19,738


$
27,206


$
21,551


$
5,712


$
4,505


$
5,638       10-year
 103




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Fair Value2007


2006(in thousands)

Balance


%


Balance


%Huntington funds  money market

$
65




%

$
820




%Huntington funds  equity funds


375,883



73



331,022



69Huntington funds  fixed income funds


129,867



25



133,641



28Huntington common stock


11,078



2



15,532



3Fair value of plan assets (September 30)

$
516,893



100
%

$
481,015



100
%         (in thousands of dollars)

Pension Benefits


Post-Retirement Benefits2008

$
22,907


$
5,3512009


24,460



5,5262010


26,695



5,7112011


30,201



5,8792012


33,418



5,9532013 through 2017


193,426



29,713          104




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    (in thousands)

2007


2006Accrued income and other assets

$
89,246


$
55,311Accrued expenses and other liabilities


85,228



75,230     (in thousands)

2007


2006Net actuarial loss

$
(36,301
)

$
(78,209
)Prior service cost


(4,914
)


(3,808
)Transition liability


(2,938
)


(4,311
)Defined benefit pension plans

$
(44,153
)

$
(86,328
)   Tax Expense(in thousands)

Pre-tax


(benefit)


Net of taxBalance, beginning of year


(132,813
)


46,485



(86,328
)Net actuarial (loss) gain:Amounts arising during the year


53,312



(18,659
)


34,653Amortization included in net periodic benefit costs


12,169



(4,260
)


7,909Prior service cost:Amounts arising during the year


(2,318
)


811



(1,507
)Amortization included in net periodic benefit costs


615



(215
)


400Transition obligation:Amounts arising during the year










Amortization included in net periodic benefit costs


1,107



(387
)


720Balance, end of year


(67,928
)


23,775



(44,153
)     19. FAIR
    VALUE OF FINANCIAL INSTRUMENTS
    2007


2006Carrying





Carrying(in thousands)

Amount


Fair Value


Amount


Fair ValueFinancial Assets:Cash and short-term assets

$
2,349,336


$
2,349,336


$
1,594,915


$
1,594,915Trading account securities


1,032,745



1,032,745



36,056



36,056Loans held for sale


494,379



494,460



270,422



270,422Investment securities


4,500,171



4,500,171



4,362,924



4,362,924Net loans and direct financing leases


39,475,896



40,158,604



25,811,357



25,945,357Derivatives


101,893



101,893



44,793



44,793Financial Liabilities:Deposits


(37,742,921
)


(36,295,978
)


(25,047,770
)


(23,754,770
)Short-term borrowings


(2,843,638
)


(2,776,882
)


(1,676,189
)


(1,676,189
)Federal Home Loan Bank advances


(3,083,555
)


(3,084,590
)


(996,821
)


(996,821
)Other long term debt


(1,937,078
)


(1,956,342
)


(2,229,140
)


(2,229,140
)Subordinated notes


(1,934,276
)


(1,953,570
)


(1,286,657
)


(1,351,657
)Derivatives


(79,883
)


(79,883
)


(27,041
)


(27,041
)  105




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED        
    Loans Held for
    Sale  generally based on collateral value
    and observable market prices of similar instruments. If market
    prices are not available, fair value is determined using
    internally developed models based on the estimated cash flows,
    adjusted for credit risk. The credit risk adjustment is
    discounted using a rate that is appropriate for each maturity
    and incorporates the effects of interest rate changes.
    Investment
    Securities  based on quoted market prices,
    where available. If quoted market prices are not available, fair
    values are based on quoted market prices of comparable
    securities. Retained interests in securitized assets are valued
    using a discounted cash flow analysis. The carrying amount and
    fair value of securities exclude the fair value of
    asset/liability management interest rate contracts designated as
    hedges of securities available for sale.
    Loans and Direct
    Financing Leases  variable-rate loans that
    reprice frequently are based on carrying amounts, as adjusted
    for estimated credit losses. The fair values for other loans and
    leases are estimated using discounted cash flow analyses and
    employ interest rates currently being offered for loans and
    leases with similar terms. The rates take into account the
    position of the yield curve, as well as an adjustment for
    prepayment risk, operating costs, and profit. This value is also
    reduced by an estimate of probable losses in the loan and lease
    portfolio.
    Deposits 
    demand deposits, savings accounts, and money market deposits
    are, by definition, equal to the amount payable on demand. The
    fair values of fixed-rate time deposits are estimated by
    discounting cash flows using interest rates currently being
    offered on certificates with similar maturities.
    Debt 
    fixed-rate, long-term debt is based upon quoted market prices
    or, in the absence of quoted market prices, discounted cash
    flows using rates for similar debt with the same maturities. The
    carrying amount of variable-rate obligations approximates fair
    value and do not reflect the impact of Huntingtons own
    credit risk.  20. DERIVATIVE
    FINANCIAL INSTRUMENTS
  Derivatives
    Used in Asset and Liability Management Activities
    Fair Value


Cash Flow(in thousands )

Hedges


Hedges


TotalInstruments associated with:Deposits

$
560,000


$
315,000


$
875,000Federal Home Loan Bank advances






525,000



525,000Subordinated notes


750,000







750,000Other long-term debt


50,000







50,000Total notional value at December 31, 2007

$
1,360,000


$
840,000


$
2,200,000  106




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Average




Weighted-Average RateNotional


Maturity

Fair(in thousands )

Value


(years)

Value


Receive


PayLiability conversion swapsReceive fixed  generic

$
820,000


8.5

$
16,881



5.28
%


5.24
%Receive fixed  callable


540,000


5.8


(4,604
)


4.80



4.91Pay fixed  generic


840,000


1.5


(9,050
)


5.14



4.98Total liability conversion swaps

$
2,200,000


5.2

$
3,227



5.11
%


5.06
%     AverageNotional

Maturity

Fair

Weighted-Average(in thousands )

Value

(years)

Value

Strike RateInterest rate caps  purchased

$
500,000

1.1

$
57


5.5
%              107




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Derivatives
    Used in Mortgage Banking Activities
    At December 31,(in thousands)

2007


2006Derivative assets:Interest rate lock agreements

$
753


$
236Forward trades and options


260



1,176Total derivative assets


1,013



1,412Derivative liabilities:Interest rate lock agreements


(800
)


(838
)Forward trades and options


(4,262
)


(699
)Total derivative liabilities


(5,062
)


(1,537
)Net derivative liability

$
(4,049
)

$
(125
)   .
  Derivatives
    Used in Trading Activities
       108




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  21. COMMITMENTS
    AND CONTINGENT LIABILITIES
  Commitments
    to Extend Credit
    At December 31,(in millions)

2007


2006Contract amount represents credit riskCommitments to extend creditCommercial

$
6,756


$
4,416Consumer


4,680



3,374Commercial real estate


2,565



1,645Standby letters of credit


1,549



1,156       Commitments
    to Sell Loans
    Litigation
       109




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED      Commitments
    Under Capital and Operating Lease Obligations
      22. OTHER
    REGULATORY MATTERS
      Tier 1


Total Capital


Tier 1 Leverage(in millions)

2007


2006


2007


2006


2007


2006Huntington Bancshares IncorporatedAmount

$
3,460


$
2,784


$
4,995


$
3,986


$
3,460


$
2,784Ratio


7.51
%


8.93
%


10.85
%


12.79
%


6.77
%


8.00
%The Huntington National BankAmount

$
3,037


$
1,990


$
4,650


$
3,214


$
3,037


$
1,990Ratio


6.64
%


6.47
%


10.17
%


10.44
%


5.99
%


5.81
%    110




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED          23. PARENT
    COMPANY FINANCIAL STATEMENTS
    Balance Sheets

December 31,(in thousands)

2007


2006ASSETSCash and cash equivalents

$
153,489


$
412,724Due from The Huntington National Bank


144,526



31,481Due from non-bank subsidiaries


332,517



277,245Investment in The Huntington National Bank


5,573,495



2,035,175Investment in non-bank subsidiaries


878,409



725,875Accrued interest receivable and other assets


165,416



45,592Total assets

$
7,247,852


$
3,528,092LIABILITIES AND SHAREHOLDERS EQUITYShort-term borrowings

$
2,578


$
3,252Long-term borrowings


902,169



329,898Dividends payable, accrued expenses, and other liabilities


393,965



180,616Total liabilities


1,298,712



513,766Shareholders equity


5,949,140



3,014,326Total liabilities and shareholders
    equity(1)

$
7,247,852


$
3,528,092  (1) See page 76 for
    Huntingtons Consolidated Statements of Changes in
    Shareholders Equity.
  111




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Statements of Income

Year Ended December 31,(in thousands)

2007


2006


2005IncomeDividends fromThe Huntington National Bank

$
239,000


$
575,000


$
180,000Non-bank subsidiaries


41,784



47,476



3,800Interest fromThe Huntington National Bank


18,622



13,167



35,253Non-bank subsidiaries


12,180



10,880



8,770Management fees from subsidiaries


3,882



9,539



30,539Other


1,180



23



406Total income


316,648



656,085



258,768ExpensePersonnel costs


24,818



31,427



25,060Interest on borrowings


41,189



17,856



22,772Other


14,667



20,040



24,741Total expense


80,674



69,323



72,573Income before income taxes and equity in undistributed net
    income of subsidiaries


235,974



586,762



186,195Income taxes


(39,509
)


(20,922
)


(2,499
)Income before equity in undistributed net income of subsidiaries


275,483



607,684



188,694Increase (decrease) in undistributed net income of:The Huntington National Bank


(176,083
)


(142,672
)


208,061Non-bank subsidiaries


(24,231
)


(3,791
)


15,336Net income

$
75,169


$
461,221


$
412,091   112




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Statements of Cash Flows

Year Ended December 31,(in thousands)

2007


2006


2005Operating activitiesNet income

$
75,169


$
461,221


$
412,091Adjustments to reconcile net income to net cash provided by
    operating activities:Decrease (increase) in equity in undistributed net income of
    subsidiaries


200,315



146,463



(223,397
)Depreciation and amortization


4,367



2,150



2,674Other, net


(51,283
)


170,367



(49,557
)Net cash provided by operating activities


228,568



780,201



141,811Investing activitiesNet cash paid for acquisition


(313,311
)






Repayments from subsidiaries


333,469



370,049



154,152Advances to subsidiaries


(442,418
)


(397,216
)


(206,765
)Proceeds from sale of securities available for sale










Net cash provided by (used in) investing activities


(422,260
)


(27,167
)


(52,613
)Financing activitiesProceeds from issuance of long-term borrowings


250,010



250,200



Payment of borrowings


(42,577
)


(249,515
)


(99,437
)Dividends paid on common stock


(289,758
)


(231,117
)


(200,628
)Acquisition of treasury stock






(378,835
)


(231,656
)Proceeds from issuance of common stock


16,782



41,842



39,194Net cash used for financing activities


(65,543
)


(567,425
)


(492,527
)Change in cash and cash equivalents


(259,235
)


185,609



(403,329
)Cash and cash equivalents at beginning of year


412,724



227,115



630,444Cash and cash equivalents at end of year

$
153,489


$
412,724


$
227,115Supplemental disclosure:Interest paid

$
41,189


$
17,856


$
22,754   24. SEGMENT
    REPORTING
      Regional Banking:
 113




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  Dealer Sales:
  Private Financial and Capital Markets Group (PFCMG):
  Treasury/Other:
 114




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED    Regional


Dealer





Treasury/


HuntingtonINCOME STATEMENTS(in
    thousands)

Banking


Sales


PFCMG


Other


Consolidated2007Net interest income

$
1,116,920


$
133,139


$
84,442


$
(32,989
)

$
1,301,512Provision for credit losses


(602,483
)


(28,879
)


(12,266
)






(643,628
)Non-interest income


460,535



41,721



157,708



16,639



676,603Non-interest expense


(816,374
)


(80,807
)


(169,980
)


(244,683
)


(1,311,844
)Income taxes


(55,509
)


(22,812
)


(20,967
)


151,814



52,526Net income

$
103,089


$
42,362


$
38,937


$
(109,219
)

$
75,1692006Net interest income

$
883,177


$
134,927


$
73,097


$
(72,024
)

$
1,019,177Provision for credit losses


(45,296
)


(14,206
)


(5,689
)






(65,191
)Non-interest income


340,005



83,599



157,240



(19,775
)


561,069Non-interest expense


(653,641
)


(112,307
)


(133,297
)


(101,749
)


(1,000,994
)Income taxes


(183,486
)


(32,204
)


(31,974
)


194,824



(52,840
)Net income

$
340,759


$
59,809


$
59,377


$
1,276


$
461,2212005Net interest income

$
779,706


$
145,523


$
72,767


$
(35,585
)

$
962,411Provision for credit losses


(51,255
)


(25,922
)


(4,122
)






(81,299
)Non-interest income


305,041



169,675



132,114



25,452



632,282Non-interest expense


(590,598
)


(187,039
)


(122,580
)


(69,603
)


(969,820
)Income taxes


(155,014
)


(35,783
)


(27,363
)


86,677



(131,483
)Net income

$
287,880


$
66,454


$
50,816


$
6,941


$
412,091   Assets


DepositsAt December 31,


At December 31,BALANCE SHEETS(in
    millions)

2007


2006


2007


2006Regional Banking

$
34,360


$
21,055


$
32,626


$
20,122Dealer Sales


5,823



5,169



58



59PFCMG


2,963



2,097



1,626



1,168Treasury/Other


11,551



7,008



3,433



3,699Total

$
54,697


$
35,329


$
37,743


$
25,048  115




---



##### 



NOTES
    TO CONSOLIDATED
    FINANCIAL
    STATEMENTS
    HUNTINGTONBANCSHARESINCORPORATED  25. QUARTERLY
    RESULTS OF OPERATIONS (UNAUDITED)
    2007(in thousands, except per share data)

Fourth


Third


Second


FirstInterest income

$
814,398


$
851,155


$
542,461


$
534,949Interest expense


(431,465
)


(441,522
)


(289,070
)


(279,394
)Net interest income


382,933



409,633



253,391



255,555Provision for credit losses


(512,082
)


(42,007
)


(60,133
)


(29,406
)Non-interest income


170,557



204,674



156,193



145,177Non-interest expense


(439,552
)


(385,563
)


(244,655
)


(242,072
)Income (loss) before income taxes


(398,144
)


186,737



104,796



129,254(Provision) benefit for income taxes


158,864



(48,535
)


(24,275
)


(33,528
)Net income (loss)

$
(239,280
)

$
138,202


$
80,521


$
95,726Net income per common share  Basic

$
(0.65
)

$
0.38


$
0.34


$
0.41Net income per common share  Diluted


(0.65
)


0.38



0.34



0.40   2006(in thousands, except per share data)

Fourth


Third


Second


FirstInterest income

$
544,841


$
538,988


$
521,903


$
464,787Interest expense


(286,852
)


(283,675
)


(259,708
)


(221,107
)Net interest income


257,989



255,313



262,195



243,680Provision for credit losses


(15,744
)


(14,162
)


(15,745
)


(19,540
)Non-interest income


140,606



97,910



163,019



159,534Non-interest expense


(267,790
)


(242,430
)


(252,359
)


(238,415
)Income before income taxes


115,061



96,631



157,110



145,259(Provision) benefit for income taxes


(27,346
)


60,815



(45,506
)


(40,803
)Net income

$
87,715


$
157,446


$
111,604


$
104,456Net income per common share  Basic

$
0.37


$
0.66


$
0.46


$
0.45Net income per common share  Diluted


0.37



0.65



0.46



0.45  116