Huntington National Bank 2005 Annual Report Download - page 22

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LINES OF BUSINESS
TOTAL CREDIT EXPOSURE BY LINE OF BUSINESS(1)
AT DECEMBER 31, 2005
NET INCOME BY LINE OF BUSINESS(1)
2005 FULL YEAR
Regional Banking (71%)
Dealer Sales(2) (22%)
Private Financial and
Capital Markets Group (7%)
Regional Banking (72%)
Dealer Sales (16%)
Private Financial and
Capital Markets Group (12%)
(1) Excluding Treasury/Other
(2) Includes operating lease assets and commercial loans;
18% excluding commercial loans
(1) Operating basis and before Treasury/Other
20
We view our operations as three distinct lines of business: Regional Banking, Dealer Sales, and the Private
Financial and Capital Markets Group. A fourth segment includes the company’s Treasury functions and other
unallocated assets, liabilities, revenue, and expense. We use earnings on an operating basis, rather than on
a GAAP basis, to measure underlying performance trends for each business segment. Analyzing earnings
on an operating basis is very helpful in assessing underlying performance trends, a critical factor to determine
the success of strategies and future earnings capabilities. Operating earnings represent GAAP earnings
adjusted to exclude the impact of certain signifi cant items. (See the Segment Reporting Note in the Notes to
Consolidated Financial Statements in the Financial Information section of this Annual Report for a complete
reconciliation between GAAP and operating earnings.)
REGIONAL BANKING
KEY FINANCIAL MEASURES
in thousands 2005 2004
Operating Revenues (fully taxable equivalent) $ 1,092,372 $ 987,796
Operating Earnings 290,627 250,415
Total Loans and Leases (December 31) 17,551,858 16,591,964
RETAIL BANKING PROFILE
Customer base comprised of 816,000 customers, of which 69,000 are small businesses.
Products and services include home equity loans, fi rst mortgage loans, installment loans, small business loans,
and deposit products, as well as cash management, investment, and insurance services.
COMMERCIAL BANKING PROFILE
Customer base comprised of middle-market and larger corporations with annual sales of $10-$500 million
headquartered in our marketplace.
Products and services include commercial and industrial loans, commercial construction fi nancing, equipment
leasing, deposit products, cash management, and international trade services, as well as alternative fi nancing
solutions through Huntington’s Private Financial and Capital Markets Group.