##### 



Exhibit 99.1
 Huntington Bancshares Incorporated
 
 Condensed Consolidated Balance Sheets  (Unaudited)
 2007
    
    2006(in thousands, except number of shares)
    
    September 30,
    
    December 31,
    
    September 30,AssetsCash and due from banks
    
    $
    1,201,981
    
    
    $
    1,080,163
    
    
    $
    848,088Federal funds sold and securities
purchased under resale agreements
    
    
    431,244
    
    
    
    440,584
    
    
    
    370,418Interest bearing deposits in banks
    
    
    288,841
    
    
    
    74,168
    
    
    
    59,333Trading account securities
    
    
    1,034,240
    
    
    
    36,056
    
    
    
    122,621Loans held for sale
    
    
    479,853
    
    
    
    270,422
    
    
    
    276,304Investment securities
    
    
    4,288,974
    
    
    
    4,362,924
    
    
    
    4,643,901Loans and leases
    
    
    39,987,240
    
    
    
    26,153,425
    
    
    
    26,361,502Allowance for loan and lease losses
    
    
    (454,784
    )
    
    
    (272,068
    )
    
    
    (280,152
    )Net loans and leases
    
    
    39,532,456
    
    
    
    25,881,357
    
    
    
    26,081,350Bank owned life insurance
    
    
    1,302,363
    
    
    
    1,089,028
    
    
    
    1,083,033Premises and equipment
    
    
    547,380
    
    
    
    372,772
    
    
    
    367,709Goodwill
    
    
    2,995,961
    
    
    
    570,876
    
    
    
    571,521Other intangible assets
    
    
    443,446
    
    
    
    59,487
    
    
    
    61,239Accrued income and other assets
    
    
    2,757,188
    
    
    
    1,091,182
    
    
    
    1,176,431Total Assets
    
    $
    55,303,927
    
    
    $
    35,329,019
    
    
    $
    35,661,948Liabilities and Shareholders Equity
LiabilitiesDeposits
    
    $
    38,404,365
    
    
    $
    25,047,770
    
    
    $
    24,738,395Short-term borrowings
    
    
    2,227,116
    
    
    
    1,676,189
    
    
    
    1,532,504Federal Home Loan Bank advances
    
    
    2,716,265
    
    
    
    996,821
    
    
    
    1,221,669Other long-term debt
    
    
    1,974,387
    
    
    
    2,229,140
    
    
    
    2,592,188Subordinated notes
    
    
    1,919,625
    
    
    
    1,286,657
    
    
    
    1,275,883Accrued expenses and other liabilities
    
    
    1,812,495
    
    
    
    1,078,116
    
    
    
    1,171,563Total Liabilities
    
    $
    49,054,253
    
    
    $
    32,314,693
    
    
    $
    32,532,202Shareholders equityPreferred stock  authorized 6,617,808 shares;
none outstanding
    
    
    
    
    
    
    
    
    
    
    ---Common stock 
No par value and authorized 500,000,000 shares;
issued 257,866,255 shares; outstanding 235,474,366 and
237,361,333 shares, respectively
    
    
    
    
    
    
    2,560,569
    
    
    
    2,556,168Par value of $0.01 and authorized 1,000,000,000 shares at
September 30, 2007; issued 387,504,687 shares; outstanding
365,898,439 shares
    
    
    3,875
    
    
    
    
    
    
    
    Capital surplus
    
    
    5,700,961
    
    
    
    
    
    
    
    Less 21,606,248; 22,391,889 and 19,945,179
treasury shares at cost, respectively
    
    
    (489,062
    )
    
    
    (506,946
    )
    
    
    (445,359
    )Accumulated other comprehensive loss:Unrealized (losses) gains on investment securities
    
    
    (3,221
    )
    
    
    14,254
    
    
    
    12,316Unrealized gains on cash flow hedging derivatives
    
    
    9,392
    
    
    
    17,008
    
    
    
    23,043Pension and other postretirement benefit adjustments
    
    
    (80,272
    )
    
    
    (86,328
    )
    
    
    (3,283
    )Retained earnings
    
    
    1,108,001
    
    
    
    1,015,769
    
    
    
    986,861Total Shareholders Equity
    
    $
    6,249,674
    
    
    $
    3,014,326
    
    
    $
    3,129,746Total Liabilities and Shareholders Equity
    
    $
    55,303,927
    
    
    $
    35,329,019
    
    
    $
    35,661,948
 See notes to unaudited condensed consolidated financial statements
 59




---



##### 



Huntington Bancshares Incorporated
 
 Condensed Consolidated Statements of Income
 (Unaudited)
 Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands, except per share amounts)
    
    2007
    
    2006
    
    2007
    
    2006Interest and fee incomeLoans and leasesTaxable
    
    $
    747,938
    
    
    $
    462,709
    
    
    $
    1,675,983
    
    
    $
    1,307,979Tax-exempt
    
    
    2,409
    
    
    
    555
    
    
    
    2,994
    
    
    
    1,584Investment securitiesTaxable
    
    
    60,152
    
    
    
    60,437
    
    
    
    164,951
    
    
    
    173,397Tax-exempt
    
    
    7,100
    
    
    
    6,137
    
    
    
    19,721
    
    
    
    17,743Other
    
    
    33,556
    
    
    
    9,150
    
    
    
    64,916
    
    
    
    24,975Total interest income
    
    
    851,155
    
    
    
    538,988
    
    
    
    1,928,565
    
    
    
    1,525,678Interest expensesDeposits
    
    
    320,490
    
    
    
    194,623
    
    
    
    715,321
    
    
    
    515,969Short-term borrowings
    
    
    26,264
    
    
    
    17,161
    
    
    
    69,372
    
    
    
    52,795Federal Home Loan Bank advances
    
    
    34,661
    
    
    
    15,565
    
    
    
    63,180
    
    
    
    47,130Subordinated notes and other long-term debt
    
    
    60,107
    
    
    
    56,326
    
    
    
    162,113
    
    
    
    148,596Total interest expense
    
    
    441,522
    
    
    
    283,675
    
    
    
    1,009,986
    
    
    
    764,490Net interest income
    
    
    409,633
    
    
    
    255,313
    
    
    
    918,579
    
    
    
    761,188Provision for credit losses
    
    
    42,007
    
    
    
    14,162
    
    
    
    131,546
    
    
    
    49,447Net interest income after provision for credit losses
    
    
    367,626
    
    
    
    241,151
    
    
    
    787,033
    
    
    
    711,741Service charges on deposit accounts
    
    
    78,107
    
    
    
    48,718
    
    
    
    172,917
    
    
    
    137,165Trust services
    
    
    33,562
    
    
    
    22,490
    
    
    
    86,220
    
    
    
    66,444Brokerage and insurance income
    
    
    28,806
    
    
    
    14,697
    
    
    
    62,087
    
    
    
    44,235Other service charges and fees
    
    
    21,045
    
    
    
    12,989
    
    
    
    49,176
    
    
    
    37,570Bank owned life insurance income
    
    
    14,847
    
    
    
    12,125
    
    
    
    36,602
    
    
    
    32,971Mortgage banking income
    
    
    9,629
    
    
    
    8,512
    
    
    
    26,102
    
    
    
    35,322Securities losses
    
    
    (13,152
    )
    
    
    (57,332
    )
    
    
    (18,187
    )
    
    
    (57,387
    )Other income
    
    
    31,830
    
    
    
    35,711
    
    
    
    91,127
    
    
    
    124,143Total non-interest income
    
    
    204,674
    
    
    
    97,910
    
    
    
    506,044
    
    
    
    420,463Personnel costs
    
    
    202,148
    
    
    
    133,823
    
    
    
    471,978
    
    
    
    403,284Outside data processing and other services
    
    
    40,600
    
    
    
    18,664
    
    
    
    88,115
    
    
    
    58,084Net occupancy
    
    
    33,334
    
    
    
    18,109
    
    
    
    72,659
    
    
    
    54,002Equipment
    
    
    23,290
    
    
    
    17,249
    
    
    
    58,666
    
    
    
    51,761Marketing
    
    
    13,186
    
    
    
    7,846
    
    
    
    29,868
    
    
    
    25,521Professional services
    
    
    11,273
    
    
    
    6,438
    
    
    
    25,856
    
    
    
    18,095Telecommunications
    
    
    7,286
    
    
    
    4,818
    
    
    
    15,989
    
    
    
    14,633Printing and supplies
    
    
    4,743
    
    
    
    3,416
    
    
    
    11,657
    
    
    
    10,254Amortization of intangibles
    
    
    19,949
    
    
    
    2,902
    
    
    
    24,988
    
    
    
    6,969Other expense
    
    
    29,754
    
    
    
    29,165
    
    
    
    72,514
    
    
    
    90,601Total non-interest expense
    
    
    385,563
    
    
    
    242,430
    
    
    
    872,290
    
    
    
    733,204Income before income taxes
    
    
    186,737
    
    
    
    96,631
    
    
    
    420,787
    
    
    
    399,000Provision for income taxes
    
    
    48,535
    
    
    
    (60,815
    )
    
    
    106,338
    
    
    
    25,494Net income
    
    $
    138,202
    
    
    $
    157,446
    
    
    $
    314,449
    
    
    $
    373,506Average common shares  basic
    
    
    365,895
    
    
    
    237,672
    
    
    
    279,171
    
    
    
    236,790Average common shares  diluted
    
    
    368,280
    
    
    
    240,896
    
    
    
    282,014
    
    
    
    239,933Per common shareNet income  basic
    
    $
    0.38
    
    
    $
    0.66
    
    
    $
    1.13
    
    
    $
    1.58Net income  diluted
    
    
    0.38
    
    
    
    0.65
    
    
    
    1.12
    
    
    
    1.56Cash dividends declared
    
    
    0.265
    
    
    
    0.250
    
    
    
    0.795
    
    
    
    0.750
 See notes to unaudited condensed consolidated financial statements
 60




---



##### 



Huntington Bancshares Incorporated
 
 Condensed Consolidated Statements of Changes in Shareholders Equity
 (Unaudited)
 AccumulatedOtherPreferred Stock
    
    Common Stock
    
    Capital
    
    Treasury Stock
    
    Comprehensive
    
    Retained(in thousands)
    
    Shares
    
    Amount
    
    Shares
    
    Amount
    
    Surplus
    
    Shares
    
    Amount
    
    Income (Loss)
    
    Earnings
    
    TotalNine Months Ended September 30, 2006:Balance, beginning of period
    
    
    
    
    
    $
    
    
    
    
    257,866
    
    
    $
    2,491,326
    
    
    $
    
    
    
    
    (33,760
    )
    
    $
    (693,576
    )
    
    $
    (22,093
    )
    
    $
    781,844
    
    
    $
    2,557,501Comprehensive Income:Net income
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    373,506
    
    
    
    373,506Unrealized net gains on investment securities
arising during the period, net of reclassification (1)
for net realized losses, net of tax of ($25,313)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    46,332
    
    
    
    
    
    
    
    46,332Unrealized gains on cash flow hedging derivatives,
net of tax of $4,220
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    7,837
    
    
    
    
    
    
    
    7,837Total comprehensive income
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    427,675Cumulative effect of change in accounting principle
for servicing financial assets, net of tax of $6,521
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    12,110
    
    
    
    12,110Cash dividends declared ($0.75 per share)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (180,599
    )
    
    
    (180,599
    )Shares issued pursuant to acquisition
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    53,366
    
    
    
    
    
    
    
    25,350
    
    
    
    522,390
    
    
    
    
    
    
    
    
    
    
    
    575,756Recognition of the fair value of share-based
compensation
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    13,430
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    13,430Treasury shares purchased
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (12,931
    )
    
    
    (303,898
    )
    
    
    
    
    
    
    
    
    
    
    (303,898
    )Stock options exercised
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (2,073
    )
    
    
    
    
    
    
    1,439
    
    
    
    30,911
    
    
    
    
    
    
    
    
    
    
    
    28,838Other
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    119
    
    
    
    
    
    
    
    (43
    )
    
    
    (1,186
    )
    
    
    
    
    
    
    
    
    
    
    (1,067
    )Balance, end of period
    
    
    
    
    
    
    
    
    
    
    257,866
    
    
    
    2,556,168
    
    
    
    
    
    
    
    (19,945
    )
    
    
    (445,359
    )
    
    
    32,076
    
    
    
    986,861
    
    
    
    3,129,746Nine Months Ended September 30, 2007:Balance, beginning of period
    
    
    
    
    
    
    
    
    
    
    257,866
    
    
    
    2,560,569
    
    
    
    
    
    
    
    (22,392
    )
    
    
    (506,946
    )
    
    
    (55,066
    )
    
    
    1,015,769
    
    
    
    3,014,326Comprehensive Income:Net income
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    314,449
    
    
    
    314,449Unrealized net losses on investment securities
arising during the period, net of reclassification(1)for net realized gains, net of tax of ($9,497)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (17,475
    )
    
    
    
    
    
    
    (17,475
    )Unrealized losses on cash flow hedging derivatives,
net of tax of ($4,101)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (7,616
    )
    
    
    
    
    
    
    (7,616
    )Amortization included in net periodic benefit costs:Net actuarial loss, net of tax of ($2,809)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    5,216
    
    
    
    
    
    
    
    5,216Prior service costs, net of tax of ($161)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    300
    
    
    
    
    
    
    
    300Transition obligation, net of tax of ($291)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    540
    
    
    
    
    
    
    
    540Total comprehensive income
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    295,414Assignment of $0.01 par value per share for each
share of Common Stock
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (2,557,990
    )
    
    
    2,557,990
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Cash dividends declared ($0.795 per share)
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (222,217
    )
    
    
    (222,217
    )Shares issued pursuant to acquisition
    
    
    
    
    
    
    
    
    
    
    129,639
    
    
    
    1,296
    
    
    
    3,131,936
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    3,133,232Recognition of the fair value of share-based
compensation
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    12,725
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    12,725Stock options exercised
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    (3,608
    )
    
    
    935
    
    
    
    21,190
    
    
    
    
    
    
    
    
    
    
    
    17,582Other
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    1,918
    
    
    
    (149
    )
    
    
    (3,306
    )
    
    
    
    
    
    
    
    
    
    
    (1,388
    )Balance, end of period
    
    
    
    
    
    $
    
    
    
    
    387,505
    
    
    $
    3,875
    
    
    $
    5,700,961
    
    
    
    (21,606
    )
    
    $
    (489,062
    )
    
    $
    (74,101
    )
    
    $
    1,108,001
    
    
    $
    6,249,674
 
 (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 nine months ended September 30, 2007 and 2006, the reclassification adjustments were $11,822, net of tax of ($6,365), and $37,302, net of tax of ($20,085), respectively. See notes to unaudited condensed consolidated financial statements.
 61




---



##### 



Huntington Bancshares Incorporated
Condensed Consolidated Statements of Cash Flows(Unaudited)
 Nine Months EndedSeptember 30,(in thousands)
    
    2007
    
    2006Operating activitiesNet income
    
    $
    314,449
    
    
    $
    373,506Adjustments to reconcile net income to net cash provided by operating activities:Provision for credit losses
    
    
    131,546
    
    
    
    49,447Depreciation and amortization
    
    
    80,339
    
    
    
    88,402Increase (decrease) in accrued income taxes
    
    
    63,976
    
    
    
    (98,893
    )Deferred income tax benefit
    
    
    (79,447
    )
    
    
    (166,168
    )Net increase in trading account securities
    
    
    (1,833,142
    )
    
    
    (36,535
    )Pension contribution
    
    
    
    
    
    
    (29,800
    )Originations of loans held for sale
    
    
    (2,027,442
    )
    
    
    (1,934,660
    )Principal payments on and proceeds from loans held for sale
    
    
    1,892,573
    
    
    
    1,931,216Other, net
    
    
    28,148
    
    
    
    (131,983
    )Net cash provided by operating activities
    
    
    (1,429,000
    )
    
    
    44,532Investing activitiesIncrease in interest bearing deposits in banks
    
    
    (129,950
    )
    
    
    (33,846
    )Net cash (paid) received in acquisitions
    
    
    (48,821
    )
    
    
    66,507Proceeds from:Maturities and calls of investment securities
    
    
    345,973
    
    
    
    461,680Sales of investment securities
    
    
    785,702
    
    
    
    1,330,257Purchases of investment securities
    
    
    (353,354
    )
    
    
    (1,645,140
    )Proceeds from sales of loans
    
    
    108,588
    
    
    
    Net loan and lease originations, excluding sales
    
    
    (1,199,908
    )
    
    
    (275,766
    )Proceeds from sale of operating lease assets
    
    
    25,004
    
    
    
    106,448Purchases of premises and equipment
    
    
    (75,991
    )
    
    
    (28,327
    )Other, net
    
    
    17,132
    
    
    
    (668
    )Net cash used for investing activities
    
    
    (525,625
    )
    
    
    (18,855
    )Financing activitiesIncrease in deposits
    
    
    501,648
    
    
    
    632,079Decrease (Increase) in short-term borrowings
    
    
    848,020
    
    
    
    (435,896
    )Proceeds from issuance of subordinated notes
    
    
    250,010
    
    
    
    250,000Maturity/redemption of subordinated notes
    
    
    (46,660
    )
    
    
    Proceeds from Federal Home Loan Bank advances
    
    
    2,101,683
    
    
    
    2,312,050Maturity/redemption of Federal Home Loan Bank advances
    
    
    (1,110,545
    )
    
    
    (2,339,341
    )Proceeds from issuance of long-term debt
    
    
    
    
    
    
    935,000Maturity of long-term debt
    
    
    (301,283
    )
    
    
    (765,777
    )Dividends paid on common stock
    
    
    (193,567
    )
    
    
    (161,906
    )Repurchases of common stock
    
    
    
    
    
    
    (303,898
    )Other, net
    
    
    17,797
    
    
    
    29,742Net cash provided by financing activities
    
    
    2,067,103
    
    
    
    152,053Increase in cash and cash equivalents
    
    
    112,478
    
    
    
    177,730Cash and cash equivalents at beginning of period
    
    
    1,520,747
    
    
    
    1,040,776Cash and cash equivalents at end of period
    
    $
    1,633,225
    
    
    $
    1,218,506Supplemental disclosures:Income taxes paid
    
    $
    176,507
    
    
    $
    282,418Interest paid
    
    
    990,828
    
    
    
    457,404Non-cash activitiesCommon stock dividends accrued, paid in subsequent quarter
    
    
    75,921
    
    
    
    47,700Common stock and stock options issued for purchase acquisition
    
    
    3,133,232
    
    
    
    575,756
 See notes to unaudited condensed consolidated financial statements.
 62




---



##### 



Notes to Unaudited Condensed Consolidated Financial Statements
 Note 1  Basis of Presentation
    Note 2  New Accounting Pronouncements
 Financial Accounting Standards Board (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)
 FASB Interpretation No. 48, Accounting for Uncertainty in Income Taxes (FIN 48) Accounting for Uncertainty in Income Taxes Accounting for Income Taxes
 FASB Statement No. 157, Fair Value Measurements (Statement No. 157)
 63




---



##### 



FASB Statement No. 159, The Fair Value Option for Financial Assets and Financial Liabilities (Statement No. 159)
 Note 3  Acquisitions
    (in thousands)
    
    July 1, 2007Equity consideration
    
    $
    3,133,232Cash consideration
    
    
    357,031Direct acquisition costs
    
    
    33,356Purchase price
    
    
    3,523,619Carrying value of net assets acquired
    
    
    (1,111,393
    )Excess of purchase price over carrying value of net assets acquired
    
    
    2,412,226Purchase accounting adjustments:Loans and leases
    
    
    183,732Loans held for sale
    
    
    110,500Premises and equipment
    
    
    51,329Accrued income and other assets
    
    
    (23,345
    )Accrued expenses and other liabilities
    
    
    100,531Goodwill and other intangible assets
    
    
    2,834,973Less other intangible assets:Core deposit intangible
    
    
    (328,300
    )Other identifiable intangible assets
    
    
    (80,450
    )Other intangible assets
    
    
    (408,750
    )Goodwill
    
    $
    2,426,223
   64




---



##### 



(in thousands)
    
    July 1, 2007AssetsCash and due from banks
    
    $
    341,566Federal funds sold
    
    
    1,023,284Loans held for sale
    
    
    120,653Securities and other earning assets
    
    
    852,860Loans and leases
    
    
    12,659,970Goodwill and other intangible assets
    
    
    2,834,973Accrued income and other assets
    
    
    594,052Total assets
    
    
    18,427,358LiabilitiesDeposits
    
    
    12,850,717Borrowings
    
    
    1,896,228Accrued expenses and other liabilities
    
    
    156,794Total liabilities
    
    
    14,903,739Purchase price
    
    $
    3,523,619
  Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands, except per share amounts)
    
    2007
    
    2006
    
    2007
    
    2006Net interest income
    
    $
    409,632
    
    
    $
    392,873
    
    
    $
    1,219,573
    
    
    $
    1,175,966Provision for credit losses
    
    
    (42,007
    )
    
    
    (23,607
    )
    
    
    (171,070
    )
    
    
    (75,522
    )Net interest income after provision for credit losses
    
    
    367,625
    
    
    
    369,266
    
    
    
    1,048,503
    
    
    
    1,100,444Non-interest income
    
    
    204,674
    
    
    
    158,843
    
    
    
    577,663
    
    
    
    584,010Non-interest expense
    
    
    (385,565
    )
    
    
    (363,527
    )
    
    
    (1,193,957
    )
    
    
    (1,100,866
    )Income before income taxes
    
    
    186,734
    
    
    
    164,582
    
    
    
    432,209
    
    
    
    583,588Provision (benefit) for income taxes
    
    
    (48,535
    )
    
    
    38,559
    
    
    
    (107,655
    )
    
    
    (86,421
    )Net income
    
    $
    138,199
    
    
    $
    203,141
    
    
    $
    324,554
    
    
    $
    497,167Net income per common shareBasic
    
    $
    0.38
    
    
    $
    0.57
    
    
    $
    1.07
    
    
    $
    1.39Diluted
    
    
    0.38
    
    
    
    0.56
    
    
    
    1.06
    
    
    
    1.38Average common shares outstandingBasic
    
    
    365,895
    
    
    
    356,875
    
    
    
    365,371
    
    
    
    356,125Diluted
    
    
    368,280
    
    
    
    360,957
    
    
    
    368,620
    
    
    
    360,198
   65




---



##### 



Note 4  Goodwill and Other Intangible Assets
  Regional
    
    Dealer
    
    
    
    
    
    Treasury/
    
    Huntington(in thousands)
    
    Banking
    
    Sales
    
    PFCMG
    
    Other
    
    ConsolidatedBalance, January 1, 2007
    
    $
    535,855
    
    
    $
    
    
    
    $
    35,021
    
    
    $
    
    
    
    $
    570,876Goodwill acquired during the period
    
    
    2,381,347
    
    
    
    
    
    
    
    44,876
    
    
    
    
    
    
    
    2,426,223Adjustments
    
    
    209
    
    
    
    
    
    
    
    (1,347
    )
    
    
    
    
    
    
    (1,138
    )Balance, September 30, 2007
    
    $
    2,917,411
    
    
    $
    
    
    
    $
    78,550
    
    
    $
    
    
    
    $
    2,995,961
 Goodwill and Other Intangible Assets, st
  Gross
    
    Accumulated
    
    Net(in thousands)
    
    Carrying Amount
    
    Amortization
    
    Carrying ValueSeptember 30, 2007Core deposit intangible
    
    $
    373,300
    
    
    $
    (28,644
    )
    
    $
    344,656Customer relationship
    
    
    99,887
    
    
    
    (4,510
    )
    
    
    95,377Other
    
    
    23,655
    
    
    
    (20,242
    )
    
    
    3,413Total other intangible assets
    
    $
    496,842
    
    
    $
    (53,396
    )
    
    $
    443,446December 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
    )
    
    $
    59,487September 30, 2006Core deposit intangible
    
    $
    45,000
    
    
    $
    (5,268
    )
    
    $
    39,732Customer relationship
    
    
    18,382
    
    
    
    (1,103
    )
    
    
    17,279Other
    
    
    23,655
    
    
    
    (19,427
    )
    
    
    4,228Total other intangible assets
    
    $
    87,037
    
    
    $
    (25,798
    )
    
    $
    61,239
   Amortization(in thousands)
    
    ExpenseFiscal year:2007
    
    $
    19,9492008
    
    
    74,8112009
    
    
    66,6212010
    
    
    58,9372011
    
    
    52,0242012
    
    
    44,997
 66




---



##### 



Note 5  Loan Sales and Securitizations
 Automobile loans
  Accounting for Servicing of Financial Assets  an amendment of FASB Statement
No. 140
  Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands)
    
    2007
    
    2006
    
    2007
    
    2006Carrying value, beginning of period
    
    $
    6,279
    
    
    $
    8,985
    
    
    $
    7,916
    
    
    $
    10,805New servicing assets
    
    
    
    
    
    
    1,289
    
    
    
    1,900
    
    
    
    3,651Amortization
    
    
    (1,265
    )
    
    
    (1,794
    )
    
    
    (4,802
    )
    
    
    (5,976
    )Carrying value, end of period
    
    $
    5,014
    
    
    $
    8,480
    
    
    $
    5,014
    
    
    $
    8,480Fair value, end of period
    
    $
    6,058
    
    
    $
    10,826
    
    
    $
    6,058
    
    
    $
    10,826
  Residential Mortgage Loans
  67




---



##### 



Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands)
    
    2007
    
    2006
    
    2007
    
    2006Fair value, beginning of period
    
    $
    155,420
    
    
    $
    136,244
    
    
    $
    131,104
    
    
    $
    109,890New servicing assets created
    
    
    8,497
    
    
    
    8,273
    
    
    
    25,923
    
    
    
    21,484Servicing assets acquired (1)
    
    
    81,450
    
    
    
    
    
    
    
    81,450
    
    
    
    2,474Change in fair value during the period due to:Time decay (2)
    
    
    (2,037
    )
    
    
    (1,065
    )
    
    
    (4,236
    )
    
    
    (3,049
    )Payoffs (3)
    
    
    (4,534
    )
    
    
    (3,419
    )
    
    
    (10,422
    )
    
    
    (8,260
    )Changes in valuation inputs or assumptions (4)
    
    
    (9,863
    )
    
    
    (10,716
    )
    
    
    5,114
    
    
    
    6,778Fair value, end of period
    
    $
    228,933
    
    
    $
    129,317
    
    
    $
    228,933
    
    
    $
    129,317
 (1)
    
    Represents servicing assets acquired from the merger with Sky Financial.(2)
    
    Represents decrease in value due to passage of time, including the impact from
both regularly scheduled loan principal payments and partial loan paydowns.(3)
    
    Represents decrease in value associated with loans that paid off during the period.(4)
    
    Represents change in value resulting primarily from market-driven changes in
interest rates.
   Decline in fair valuedue to10%
    
    20%adverse
    
    adverse(in thousands)
    
    Actual
    
    change
    
    changeConstant pre-payment rate
    
    
    11.40
    %
    
    $
    (9,707
    )
    
    $
    (18,946
    )Discount rate
    
    
    9.29
    
    
    
    (8,484
    )
    
    
    (16,373
    )
   Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands)
    
    2007
    
    2006
    
    2007
    
    2006Servicing fees
    
    $
    10,811
    
    
    $
    6,077
    
    
    $
    24,607
    
    
    $
    17,997Late fees
    
    
    715
    
    
    
    649
    
    
    
    2,063
    
    
    
    1,810Ancillary fees
    
    
    204
    
    
    
    206
    
    
    
    732
    
    
    
    547Total fee income
    
    $
    11,730
    
    
    $
    6,932
    
    
    $
    27,402
    
    
    $
    20,354
 68




---



##### 



6 Investment Securities
  September 30, 2007
    
    
    December 31, 2006
    
    
    September 30, 2006Amortized
    
    
    
    
    
    
    Amortized
    
    
    
    
    
    
    Amortized(in thousands)
    
    Cost
    
    
    Fair Value
    
    
    Cost
    
    
    Fair Value
    
    
    Cost
    
    
    Fair ValueU.S. TreasuryUnder 1 year
    
    $
    599
    
    
    $
    604
    
    
    $
    800
    
    
    $
    800
    
    
    $
    799
    
    
    $
    8021-5 years
    
    
    250
    
    
    
    251
    
    
    
    1,046
    
    
    
    1,056
    
    
    
    20,464
    
    
    
    20,4796-10 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Over 10 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Total U.S. Treasury
    
    
    849
    
    
    
    855
    
    
    
    1,846
    
    
    
    1,856
    
    
    
    21,263
    
    
    
    21,281Federal agenciesMortgage backed securitiesUnder 1 year
    
    
    1,349
    
    
    
    1,352
    
    
    
    1,848
    
    
    
    1,847
    
    
    
    4,091
    
    
    
    4,0961-5 years
    
    
    11,530
    
    
    
    11,671
    
    
    
    9,560
    
    
    
    9,608
    
    
    
    8,409
    
    
    
    8,4876- 10 years
    
    
    4,502
    
    
    
    4,533
    
    
    
    4,353
    
    
    
    4,355
    
    
    
    1,701
    
    
    
    1,705Over 10 years
    
    
    1,409,953
    
    
    
    1,408,323
    
    
    
    1,261,423
    
    
    
    1,265,651
    
    
    
    1,354,964
    
    
    
    1,356,884Total mortgage-backed Federal agencies
    
    
    1,427,334
    
    
    
    1,425,879
    
    
    
    1,277,184
    
    
    
    1,281,461
    
    
    
    1,369,165
    
    
    
    1,371,172Other agenciesUnder 1 year
    
    
    99,834
    
    
    
    99,875
    
    
    
    
    
    
    
    
    
    
    
    44,610
    
    
    
    44,6101-5 years
    
    
    49,692
    
    
    
    50,415
    
    
    
    149,819
    
    
    
    149,853
    
    
    
    288,744
    
    
    
    288,7446-10 years
    
    
    
    
    
    
    
    
    
    
    98
    
    
    
    96
    
    
    
    
    
    
    
    Over 10 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Total other Federal agencies
    
    
    149,526
    
    
    
    150,290
    
    
    
    149,917
    
    
    
    149,949
    
    
    
    333,354
    
    
    
    333,354Total Federal agencies
    
    
    1,576,860
    
    
    
    1,576,169
    
    
    
    1,427,101
    
    
    
    1,431,410
    
    
    
    1,702,519
    
    
    
    1,704,526Municipal securitiesUnder 1 year
    
    
    45
    
    
    
    45
    
    
    
    42
    
    
    
    42
    
    
    
    42
    
    
    
    421-5 years
    
    
    14,895
    
    
    
    14,984
    
    
    
    10,553
    
    
    
    10,588
    
    
    
    9,808
    
    
    
    9,8526- 10 years
    
    
    164,291
    
    
    
    164,071
    
    
    
    165,624
    
    
    
    165,229
    
    
    
    162,659
    
    
    
    162,433Over 10 years
    
    
    501,677
    
    
    
    501,170
    
    
    
    410,248
    
    
    
    415,564
    
    
    
    414,717
    
    
    
    419,356Total municipal securities
    
    
    680,908
    
    
    
    680,270
    
    
    
    586,467
    
    
    
    591,423
    
    
    
    587,226
    
    
    
    591,683Private label CMOUnder 1 year
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    1-5 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    6-10 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Over 10 years
    
    
    700,578
    
    
    
    701,039
    
    
    
    586,088
    
    
    
    590,062
    
    
    
    753,266
    
    
    
    756,009Total private label CMO
    
    
    700,578
    
    
    
    701,039
    
    
    
    586,088
    
    
    
    590,062
    
    
    
    753,266
    
    
    
    756,009Asset backed securitiesUnder 1 year
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    1-5 years
    
    
    30,000
    
    
    
    30,000
    
    
    
    30,000
    
    
    
    30,056
    
    
    
    30,000
    
    
    
    30,0616- 10 years
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    Over 10 years
    
    
    893,346
    
    
    
    889,097
    
    
    
    1,544,572
    
    
    
    1,552,748
    
    
    
    1,365,139
    
    
    
    1,374,535Total asset backed securities
    
    
    923,346
    
    
    
    919,097
    
    
    
    1,574,572
    
    
    
    1,582,804
    
    
    
    1,395,139
    
    
    
    1,404,596OtherUnder 1 year
    
    
    3,650
    
    
    
    3,647
    
    
    
    4,800
    
    
    
    4,784
    
    
    
    3,400
    
    
    
    3,4001-5 years
    
    
    9,497
    
    
    
    9,489
    
    
    
    2,750
    
    
    
    2,706
    
    
    
    5,843
    
    
    
    5,8136-10 years
    
    
    446
    
    
    
    443
    
    
    
    
    
    
    
    
    
    
    
    692
    
    
    
    693Over 10 years
    
    
    2,808
    
    
    
    2,858
    
    
    
    44
    
    
    
    86
    
    
    
    44
    
    
    
    44Non-marketable equity securities
    
    
    350,080
    
    
    
    350,080
    
    
    
    150,754
    
    
    
    150,754
    
    
    
    148,923
    
    
    
    148,923Marketable equity securities
    
    
    44,903
    
    
    
    45,027
    
    
    
    6,481
    
    
    
    7,039
    
    
    
    6,559
    
    
    
    6,933Total other
    
    
    411,384
    
    
    
    411,544
    
    
    
    164,829
    
    
    
    165,369
    
    
    
    165,461
    
    
    
    165,806Total investment securities
    
    $
    4,293,925
    
    
    $
    4,288,974
    
    
    $
    4,340,903
    
    
    $
    4,362,924
    
    
    $
    4,624,874
    
    
    $
    4,643,901Duration in years (1)
    
    
    
    
    
    
    3.5
    
    
    
    
    
    
    
    3.2
    
    
    
    
    
    
    
    3.3
 (1)
    
    The average duration assumes a market driven pre-payment rate on securities subject to
pre-payment. 69




---



##### 



Note 7  Earnings per Share
  Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,(in thousands, except per share amounts)
    
    2007
    
    2006
    
    2007
    
    2006Net income
    
    $
    138,199
    
    
    $
    157,446
    
    
    $
    314,446
    
    
    $
    373,506Average common shares outstanding
    
    
    365,895
    
    
    
    237,672
    
    
    
    279,171
    
    
    
    236,790Dilutive potential common shares
    
    
    2,385
    
    
    
    3,224
    
    
    
    2,843
    
    
    
    3,143Diluted average common shares outstanding
    
    
    368,280
    
    
    
    240,896
    
    
    
    282,014
    
    
    
    239,933Earnings per shareBasic
    
    $
    0.38
    
    
    $
    0.66
    
    
    $
    1.13
    
    
    $
    1.58Diluted
    
    
    0.38
    
    
    
    0.65
    
    
    
    1.12
    
    
    
    1.56
  Note 8  Share-based Compensation
   70




---



##### 



Three Months Ended
    
    Nine Months EndedSeptember 30,
    
    September 30,2007
    
    2006
    
    2007
    
    2006AssumptionsRisk-free interest rate
    
    
    4.75
    %
    
    
    5.11
    %
    
    
    4.74
    %
    
    
    5.09
    %Expected dividend yield
    
    
    5.27
    
    
    
    4.27
    
    
    
    5.26
    
    
    
    4.26Expected volatility of Huntingtons common stock
    
    
    21.1
    
    
    
    22.2
    
    
    
    21.1
    
    
    
    22.2Expected option term (years)
    
    
    6.0
    
    
    
    6.0
    
    
    
    6.0
    
    
    
    6.0Weighted-average grant date fair value per share
    
    $
    2.80
    
    
    $
    4.20
    
    
    $
    2.80
    
    
    $
    4.20
  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
    
    
    2,127
    
    
    
    20.04Acquired (1)
    
    
    7,374
    
    
    
    18.40Exercised
    
    
    (988
    )
    
    
    18.25Forfeited/expired
    
    
    (788
    )
    
    
    23.31Outstanding at September 30, 2007
    
    
    28,298
    
    
    $
    20.54
    
    
    
    4.6
    
    
    $
    9,270Exercisable at September 30, 2007
    
    
    24,037
    
    
    $
    20.30
    
    
    
    4.5
    
    
    $
    9,270
 
 (1)
    
    Relates to option plans acquired from the merger with Sky Financial.    71




---



##### 



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
    
    
    676
    
    
    
    20.03
    
    
    
    222
    
    
    
    22.74Vested
    
    
    (6
    )
    
    
    23.34
    
    
    
    (22
    )
    
    
    22.74Forfeited
    
    
    (31
    )
    
    
    22.45
    
    
    
    
    
    
    
    Nonvested at September 30, 2007
    
    
    1,107
    
    
    $
    21.36
    
    
    
    200
    
    
    $
    22.74
   Note 9  Income Taxes
    Note 10  Benefit Plans
   72




---



##### 



Pension Benefits
    
    
    Post Retirement BenefitsThree Months Ended
    
    
    Three Months EndedSeptember 30,

    
    September 30,(in thousands)
    
    2007
    
    
    2006
    
    
    2007
    
    
    2006Service cost
    
    $
    5,780
    
    
    $
    4,414
    
    
    $
    484
    
    
    $
    383Interest cost
    
    
    6,859
    
    
    
    5,539
    
    
    
    989
    
    
    
    565Expected return on plan assets
    
    
    (10,132
    )
    
    
    (8,518
    )
    
    
    
    
    
    
    Amortization of transition asset
    
    
    
    
    
    
    
    
    
    
    276
    
    
    
    276Amortization of prior service cost
    
    
    
    
    
    
    
    
    
    
    95
    
    
    
    95Settlements
    
    
    323
    
    
    
    1,000
    
    
    
    
    
    
    
    Recognized net actuarial loss (gain)
    
    
    1,729
    
    
    
    4,377
    
    
    
    (64
    )
    
    
    (181
    )Benefit expense
    
    $
    4,559
    
    
    $
    6,812
    
    
    $
    1,780
    
    
    $
    1,138
 Pension Benefits
    
    
    Post Retirement BenefitsNine Months Ended
    
    
    Nine Months EndedSeptember 30,

    
    September 30,(in thousands)
    
    2007
    
    
    2006
    
    
    2007
    
    
    2006Service cost
    
    $
    14,670
    
    
    $
    13,137
    
    
    $
    1,233
    
    
    $
    1,103Interest cost
    
    
    18,792
    
    
    
    16,617
    
    
    
    2,323
    
    
    
    1,695Expected return on plan assets
    
    
    (28,372
    )
    
    
    (25,057
    )
    
    
    
    
    
    
    Amortization of transition asset
    
    
    3
    
    
    
    
    
    
    
    828
    
    
    
    828Amortization of prior service cost
    
    
    1
    
    
    
    1
    
    
    
    284
    
    
    
    285Settlements
    
    
    2,323
    
    
    
    3,000
    
    
    
    
    
    
    
    Recognized net actuarial loss (gain)
    
    
    7,960
    
    
    
    13,131
    
    
    
    (267
    )
    
    
    (543
    )Benefit expense
    
    $
    15,377
    
    
    $
    20,829
    
    
    $
    4,401
    
    
    $
    3,368
    73




---



##### 



Note 11  Commitments and Contingent Liabilities
 Commitments to extend credit :
  September 30,
    
    December 31,
    
    September 30,(in millions)
    
    2007
    
    2006
    
    2006Contract amount represents credit riskCommitments to extend creditCommercial
    
    $
    6,674
    
    
    $
    4,416
    
    
    $
    4,265Consumer
    
    
    4,673
    
    
    
    3,374
    
    
    
    3,336Commercial real estate
    
    
    2,556
    
    
    
    1,645
    
    
    
    1,752Standby letters of credit
    
    
    1,403
    
    
    
    1,156
    
    
    
    1,136Commercial letters of credit
    
    
    48
    
    
    
    54
    
    
    
    45
    Commitments to sell loans:
  Litigation:
  74




---



##### 



Note 12  Derivative Financial Instruments
 Derivatives used in Asset and Liability Management Activities
  Fair Value
    
    Cash Flow(in thousands )
    
    Hedges
    
    Hedges
    
    TotalInstruments associated with:Deposits
    
    $
    615,000
    
    
    $
    315,000
    
    
    $
    930,000Federal Home Loan Bank advances
    
    
    
    
    
    
    525,000
    
    
    
    525,000Subordinated notes
    
    
    750,000
    
    
    
    
    
    
    
    750,000Other long-term debt
    
    
    50,000
    
    
    
    
    
    
    
    50,000Total notional value at September 30, 2007
    
    $
    1,415,000
    
    
    $
    840,000
    
    
    $
    2,255,000
  Notional
    
    AverageMaturity
    
    Fair
    

Weighted-AverageRate(in thousands )
    
    Value
    
    (years)
    
    Value
    
    Receive
    
    PayLiability conversion swapsReceive fixed  generic
    
    $
    820,000
    
    
    
    8.8
    
    
    $
    2,498
    
    
    
    5.27
    %
    
    
    5.74
    %Receive fixed  callable
    
    
    595,000
    
    
    
    5.8
    
    
    
    (9,692
    )
    
    
    4.74
    
    
    
    5.32Pay fixed  generic
    
    
    840,000
    
    
    
    1.7
    
    
    
    (3,508
    )
    
    
    5.68
    
    
    
    4.98Total liability conversion swaps
    
    $
    2,255,000
    
    
    
    5.4
    
    
    $
    (10,702
    )
    
    
    5.28
    %
    
    
    5.32
    %
  AverageNotional
    
    Maturity
    
    Fair
    
    Weighted-Average(in thousands )
    
    Value
    
    (years)
    
    Value
    
    Strike RateInterest rate caps  purchased
    
    $
    500,000
    
    
    
    1.3
    
    
    $
    808
    
    
    
    5.50
    %
     75




---



##### 



Derivatives Used in Mortgage Banking Activities
  September 30,
    
    December 31,
    
    September 30,(in thousands)
    
    2007
    
    2006
    
    2006Derivative assets:Interest rate lock agreements
    
    $
    920
    
    
    $
    236
    
    
    $
    626Forward trades and options
    
    
    234
    
    
    
    1,176
    
    
    
    82Total derivative assets
    
    
    1,154
    
    
    
    1,412
    
    
    
    708Derivative liabilities:Interest rate lock agreements
    
    
    (385
    )
    
    
    (838
    )
    
    
    (347
    )Forward trades and options
    
    
    (2,736
    )
    
    
    (699
    )
    
    
    (3,003
    )Total derivative liabilities
    
    
    (3,121
    )
    
    
    (1,537
    )
    
    
    (3,350
    )Net derivative (liability) asset
    
    $
    (1,967
    )
    
    $
    (125
    )
    
    $
    (2,642
    )
 Derivatives Used in Trading Activities
   .
  76




---



##### 



Note 13  Shareholders Equity
 Change in par value and shares authorized:
  Share Repurchase Program:
   Note 14  Segment Reporting
   Regional Banking:
 Dealer Sales:
 77




---



##### 



Private Financial and Capital Markets Group (PFCMG):
 Treasury / Other:
 78




---



##### 



Three Months Ended September 30,Income Statements
    
    Regional
    
    Dealer
    
    
    
    
    
    Treasury/
    
    Huntington(in thousands )
    
    Banking
    
    Sales
    
    PFCMG
    
    Other
    
    Consolidated2007Net interest income
    
    $
    351,494
    
    
    $
    34,510
    
    
    $
    23,511
    
    
    $
    118
    
    
    $
    409,633Provision for credit losses
    
    
    (31,398
    )
    
    
    (8,575
    )
    
    
    (2,034
    )
    
    
    
    
    
    
    (42,007
    )Non-interest income
    
    
    137,026
    
    
    
    8,051
    
    
    
    59,919
    
    
    
    (322
    )
    
    
    204,674Non-interest expense
    
    
    (239,936
    )
    
    
    (19,713
    )
    
    
    (59,944
    )
    
    
    (65,970
    )
    
    
    (385,563
    )Income taxes
    
    
    (76,014
    )
    
    
    (4,996
    )
    
    
    (7,508
    )
    
    
    39,983
    
    
    
    (48,535
    )Operating / reported net income
    
    $
    141,172
    
    
    $
    9,277
    
    
    $
    13,944
    
    
    $
    (26,191
    )
    
    $
    138,2022006Net interest income
    
    $
    224,157
    
    
    $
    32,540
    
    
    $
    19,356
    
    
    $
    (20,740
    )
    
    $
    255,313Provision for credit losses
    
    
    (10,286
    )
    
    
    (2,652
    )
    
    
    (1,224
    )
    
    
    
    
    
    
    (14,162
    )Non-interest income
    
    
    89,353
    
    
    
    20,286
    
    
    
    36,475
    
    
    
    (48,204
    )
    
    
    97,910Non-interest expense
    
    
    (163,709
    )
    
    
    (24,813
    )
    
    
    (35,328
    )
    
    
    (18,580
    )
    
    
    (242,430
    )Income taxes
    
    
    (48,830
    )
    
    
    (8,876
    )
    
    
    (6,748
    )
    
    
    125,269
    
    
    
    60,815Operating / reported net income
    
    $
    90,685
    
    
    $
    16,485
    
    
    $
    12,531
    
    
    $
    37,745
    
    
    $
    157,446
 Nine Months Ended September 30,Income Statements
    
    Regional
    
    Dealer
    
    
    
    
    
    Treasury/
    
    Huntington(in thousands of dollars)
    
    Banking
    
    Sales
    
    PFCMG
    
    Other
    
    Consolidated2007Net interest income
    
    $
    780,083
    
    
    $
    98,484
    
    
    $
    60,887
    
    
    $
    (20,875
    )
    
    $
    918,579Provision for credit losses
    
    
    (108,727
    )
    
    
    (16,623
    )
    
    
    (6,196
    )
    
    
    
    
    
    
    (131,546
    )Non-Interest income
    
    
    323,226
    
    
    
    32,216
    
    
    
    139,534
    
    
    
    11,068
    
    
    
    506,044Non-Interest expense
    
    
    (569,447
    )
    
    
    (57,918
    )
    
    
    (141,239
    )
    
    
    (103,686
    )
    
    
    (872,290
    )Income taxes
    
    
    (148,796
    )
    
    
    (19,657
    )
    
    
    (18,545
    )
    
    
    80,660
    
    
    
    (106,338
    )Operating / reported net income
    
    $
    276,339
    
    
    $
    36,502
    
    
    $
    34,441
    
    
    $
    (32,833
    )
    
    $
    314,4492006Net interest income
    
    $
    659,710
    
    
    $
    102,155
    
    
    $
    54,962
    
    
    $
    (55,639
    )
    
    $
    761,188Provision for credit losses
    
    
    (35,520
    )
    
    
    (9,465
    )
    
    
    (4,462
    )
    
    
    
    
    
    
    (49,447)Non-Interest income
    
    
    259,904
    
    
    
    68,794
    
    
    
    116,508
    
    
    
    (24,743
    )
    
    
    420,463Non-Interest expense
    
    
    (483,102
    )
    
    
    (84,696
    )
    
    
    (104,155
    )
    
    
    (61,251
    )
    
    
    (733,204)Income taxes
    
    
    (140,347
    )
    
    
    (26,875
    )
    
    
    (21,999
    )
    
    
    163,727
    
    
    
    (25,494)Operating / reported net income
    
    $
    260,645
    
    
    $
    49,913
    
    
    $
    40,854
    
    
    $
    22,094
    
    
    $
    373,506
 Assets at
    
    Deposits atSeptember 30,
    
    December 31,
    
    September 30,
    
    September 30,
    
    December 31,
    
    September 30,(in millions)
    
    2007
    
    2006
    
    2006
    
    2007
    
    2006
    
    2006Regional Banking
    
    $
    34,599
    
    
    $
    20,933
    
    
    $
    21,110
    
    
    $
    32,718
    
    
    $
    20,231
    
    
    $
    20,301Dealer Sales
    
    
    5,632
    
    
    
    5,003
    
    
    
    5,257
    
    
    
    63
    
    
    
    59
    
    
    
    59PFCMG
    
    
    2,884
    
    
    
    2,153
    
    
    
    2,174
    
    
    
    1,631
    
    
    
    1,162
    
    
    
    1,145Treasury / Other
    
    
    12,189
    
    
    
    7,240
    
    
    
    7,121
    
    
    
    3,992
    
    
    
    3,596
    
    
    
    3,233Total
    
    $
    55,304
    
    
    $
    35,329
    
    
    $
    35,662
    
    
    $
    38,404
    
    
    $
    25,048
    
    
    $
    24,738
 79