Huntington National Bank 2007 Annual Report Download - page 13

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MANAGEMENT’S DISCUSSION AND ANALYSIS TABLE OF CONTENTS
39 Home Equity Loans
40 Residential Mortgages
40 Credit Quality
41 Nonaccruing Loans (NAL/NALs) and Nonperforming Assets (NPA/NPAs)
42 Allowances for Credit Losses (ACL)
46 Net Charge-offs
47 Investment Portfolio
47 Available-for-sale Portfolio
47 Market Risk
47 Interest Rate Risk
47 Overview
48 Income Simulation and Economic Value Analysis
49 Mortgage Servicing Rights (MSRs)
50 Price Risk
50 Equity Investment Portfolios
50 Liquidity Risk
51 Sources of Liquidity
55 Parent Company Liquidity
55 Credit Ratings
56 Off-Balance Sheet Arrangements
56 Operational Risk
57 Capital
58 LINES OF BUSINESS DISCUSSION
58 Acquisition of Sky Financial
58 Funds Transfer Pricing
59 Treasury / Other
59 Net Income by Business Segment
59 Regional Banking
59 Objectives, Strategies, and Priorities
60 2007 Fourth Quarter versus 2007 Third Quarter
60 2007 versus 2006
61 2006 versus 2005
61 Dealer Sales
61 Objectives, Strategies, and Priorities
61 2007 Fourth Quarter versus 2007 Third Quarter
62 2007 versus 2006
62 2006 versus 2005
62 Private Financial and Capital Markets Group (PFCMG)
62 Objectives, Strategies, and Priorities
63 2007 Fourth Quarter versus 2007 Third Quarter
63 2007 versus 2006
63 2006 versus 2005
64 RESULTS FOR THE FOURTH QUARTER
64 Earnings Discussion
64 Net Interest Income, Net Interest Margin, Loans and Average Balance Sheet
66 Provision for Credit Losses
66 Non-Interest Income
67 Non-Interest Expense
67 Income Taxes
67 Credit Quality
68 Net Charge-offs
68 Nonaccrual Loans (NALs) and Nonperforming Assets (NPAs)
11