Huntington National Bank 2005 Annual Report Download - page 30

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MANAGEMENT’S DISCUSSION AND ANALYSIS TABLE OF CONTENTS
28
31 INTRODUCTION
31 Forward-Looking Statements
31 Risk Factors
32 Securities and Exchange Commission Formal Investigation
32 Formal Regulatory Supervisory Agreements and Pending Acquisition
32 Critical Accounting Policies and Use of Signifi cant Estimates
36 DISCUSSION OF RESULTS OF OPERATIONS
36 Summary
37 Results of Operations
37 Signifi cant Factors Infl uencing Financial Performance Comparisons
40 Net Interest Income
45 Provision for Credit Losses
45 Non-Interest Income
48 Non-Interest Expense
49 Operating Lease Assets
50 Provision for Income Taxes
51 RISK MANAGEMENT AND CAPITAL
51 Credit Risk
52 Credit Exposure Mix
53 Commercial Credit
55 Consumer Credit
55 Non-Performing Assets (NPAs)
57 Allowances for Credit Losses (ACL)
60 Net Charge-offs
61 Investment Portfolio
61 Market Risk
61 Interest Rate Risk
63 Price Risk
63 Lease Residual Risk
63 Liquidity Risk
64 Sources of Liquidity
67 Parent Company Liquidity
67 Credit Ratings
69 Off-Balance Sheet Arrangements
69 Operational Risk
70 Capital
71 LINES OF BUSINESS DISCUSSION
73 Regional Banking
78 Dealer Sales
83 Private Financial and Capital Markets Group
87 Treasury/Other
91 RESULTS FOR THE FOURTH QUARTER