Huntington National Bank 2003 Annual Report Download - page 2

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Huntington Bancshares Incorporated (NASDAQ: HBAN) is a $30 billion regional bank holding company headquartered
in Columbus, Ohio. Its principal markets are Ohio, Michigan, West Virginia, Indiana and Kentucky. Founded in
1866, Huntington serves its customers as the “local bank with national resources.”Over 8,200 associates provide consumer
and commercial banking, mortgage banking, automobile financing, equipment leasing, investment management,
brokerage, trust and insurance services. Customers have convenient access to banking services through more than
330 regional banking offices; the customer service call center at (800) 480-BANK (2265); online at huntington.com;
and through its network of nearly 700 ATMs. Non-banking financial services are provided through selected banking
offices, as well as other local facilities.
CONTENTS
Letter to Shareholders 02
Consolidated Financial Highlights 06
Our Midwest Focus 07
Regional Banking 24
Retail Banking 24
Commercial Banking 25
Private Financial Group 26
Dealer Sales 26
Communities 27
Lines of Business 28
Directors and Managers 29
Stock and Dividend Information 30
Financial Information 31
Contact and Other Information BACK COVER
Net Income
millions
Diluted Earnings Per Share(1) Return on Average Equity
99 00 01 02 03
$414
99 00 01 02 03 99 00 01 02 03
(1) Adjusted for stock splits and stock dividends, as applicable.
$135
$322 $324
$372
$1.62
$1.29
$0.54
$1.33
$1.61 19.8%
14.7%
5.8%
14.5%
17.6%