Huntington National Bank 2003 Annual Report Download - page 34

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MANAGEMENT’S DISCUSSION AND ANALYSIS
TABLE OF CONTENTS
35 INTRODUCTION
35 Forward-Looking Statements
35 Risk Factors
35 Securities and Exchange Commission Investigation
36 Critical Accounting Policies and Use of Significant Estimates
37 DISCUSSION OF RESULTS
37 Summary
39 Results of Operations
39 Significant Factors Influencing Financial Performance Comparisons
44 Net Interest Income
45 Balance Sheet
50 Provision for Loan and Lease Losses
50 Non-Interest Income
52 Non-Interest Expense
53 Income Taxes
53 Credit Risk
53 Credit Risk Management
54 Commercial Credit
54 Consumer Credit
55 Investment Portfolio
55 Net Charge-offs
56 Non-Performing Assets
57 Allowance for Loan and Lease Losses
59 Market Risk
60 Interest Rate Risk
61 Lease Residual Risk
61 Price Risk
61 Liquidity
62 Bank Liquidity
66 Parent Company Liquidity
66 Off-Balance Sheet Arrangements
67 Capital
68 Economic Capital
68 Lines of Business Discussion
71 Regional Banking
76 Dealer Sales
81 Private Financial Group
86 Treasury/Other
91 Results for the Fourth Quarter
95 ACQUISITION OF UNIZAN FINANCIAL CORP.
HUNTINGTON BANCSHARES INCORPORATED
32