Huntington National Bank 2003 Annual Report Download - page 45

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MANAGEMENT’S DISCUSSION AND ANALYSIS
Interest Income / Expense Average Rate(2)(3)(4)
2003 2002 2001 2000 1999 2003 2002 2001 2000 1999
$ 0.6 $ 0.8 $ 0.2 $ 0.3 $ 0.4 1.53% 2.38% 3.43% 5.03% 4.04%
0.6 0.3 1.3 1.1 0.8 4.02 4.11 5.13 7.11 5.89
1.6 1.1 4.5 5.5 1.2 1.80 1.56 4.19 6.33 5.58
30.0 20.5 25.0 8.7 16.3 5.32 6.35 6.95 7.96 7.03
159.6 173.0 206.9 269.5 297.0 4.52 6.06 6.58 6.24 6.08
23.5 10.1 13.0 20.8 23.5 7.04 7.42 7.49 7.61 7.90
183.1 183.1 219.9 290.3 320.5 4.73 6.12 6.63 6.33 6.18
274.5 319.4 480.5 557.9 485.8 5.08 5.62 7.22 8.65 7.92
53.8 57.1 86.4 106.0 84.4 4.14 4.70 7.08 8.96 8.45
141.5 147.4 177.3 184.1 182.0 5.23 6.20 7.58 8.42 8.15
242.1 237.9 253.8 271.4 288.7 7.38 8.67 NM NM NM
72.8 23.2 1.2 (0.5) 2.5 5.09 5.14 NM NM NM
314.9 261.1 255.0 270.9 291.2 6.68 8.17 8.94 8.67 8.24
177.2 183.9 279.7 254.8 197.0 5.06 5.96 8.23 8.52 8.40
108.3 91.4 81.7 107.1 111.8 5.50 6.36 7.79 7.77 7.51
29.5 32.3 49.6 54.9 113.3 7.10 7.59 8.41 10.35 10.30
629.9 568.7 666.0 687.7 713.3 5.93 6.98 8.44 8.57 8.42
1,099.7 1,092.6 1,410.2 1,535.7 1,465.5 5.49 6.27 7.79 8.61 8.22
1,315.6 1,298.4 1,661.1 1,841.6 1,804.7 5.35 6.23 7.58 8.13 7.75
73.0 88.9 133.5 143.1 106.0 1.18 1.71 2.64 3.30 2.56
41.7 50.6 106.7 145.7 125.5 1.49 1.77 3.07 4.09 3.36
100.4 165.6 281.5 282.2 244.6 3.68 4.58 5.65 5.72 5.10
26.0 29.6 48.2 52.0 53.7 3.86 4.05 5.34 5.52 5.20
241.1 334.7 569.9 623.0 529.8 1.94 2.70 3.95 4.52 3.86
18.5 28.8 66.8 90.4 76.6 2.50 3.39 5.22 6.01 5.28
24.1 17.3 6.6 31.9 12.8 1.70 2.36 5.12 6.35 5.40
4.6 4.9 10.8 34.0 18.6 0.92 1.47 3.82 6.31 5.14
288.3 385.7 654.1 779.3 637.8 1.91 2.69 4.06 4.77 4.05
15.7 29.0 95.8 113.1 114.3 0.98 1.56 4.57 5.75 4.48
24.4 5.6 1.2 0.8 0.3 1.94 2.00 6.17 6.32 5.19
128.5 123.3 188.4 270.0 230.0 2.82 3.70 5.52 6.74 5.59
456.9 543.6 939.5 1,163.2 982.4 2.03 2.75 4.34 5.22 4.38
$ 858.7 $ 754.8 $ 721.6 $ 678.4 $ 822.3
3.32% 3.48% 3.24% 2.91% 3.37%
0.17 0.14 0.05 0.09 0.16
3.49% 3.62% 3.29% 3.00% 3.53%
HUNTINGTON BANCSHARES INCORPORATED 43