Huntington National Bank 2004 Annual Report Download - page 26

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24
27 INTRODUCTION
27 Forward-Looking Statements
27 Risk Factors
28 Securities and Exchange Commission Formal Investigation and Formal Regulatory Supervisory Agreements
28 Critical Accounting Policies and Use of Significant Estimates
31 DISCUSSION OF RESULTS
31 Summary
32 Results of Operations
32 Significant Factors Influencing Financial Performance Comparisons
38 Net Interest Income
39 Balance Sheet
41 Provision for Credit Losses
42 Non-Interest Income
44 Non-Interest Expense
45 Operating Lease Assets
46 Provision for Income Taxes
47 RISK MANAGEMENT
47 Credit Risk
48 Commercial Credit
49 Consumer Credit
49 Non-Performing Assets
51 Allowances for Credit Losses
54 Net Charge-offs
54 Investment Portfolio
56 Market Risk
56 Interest Rate Risk
57 Lease Residual Risk
57 Price Risk
57 Liquidity Risk
63 Parent Company Liquidity
63 Off-Balance Sheet Arrangements
63 Capital
65 LINES OF BUSINESS DISCUSSION
67 Regional Banking
72 Dealer Sales
77 Private Financial Group
82 Treasury/Other
88 RESULTS FOR THE FOURTH QUARTER
Management’s Discussion and Analysis
Table of Contents