Huntington National Bank 2004 Annual Report Download - page 73

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MANAGEMENT’S DISCUSSION AND ANALYSIS HUNTINGTON BANCSHARES INCORPORATED
Table 24 — Regional Banking(1)
Change From 2003 Change From 2002
2004 Amount % 2003 Amount % 2002
SUPPLEMENTAL DATA
# employees — full-time equivalent (eop) 4,741 (114) (2.3)% 4,855 (74) (1.5)% 4,929
Retail Banking
Average loans (in millions) $ 4,654 $ 820 21.4% $ 3,834 $ 219 6.1% $ 3,615
Average deposits (in millions) $ 11,043 $ (3) 0.0 $ 11,046 $ 50 0.5 $ 10,996
# employees — full-time equivalent (eop) 3,376 (24) (0.7) 3,400 (105) (3.0) 3,505
# banking offices (eop) 334 1 0.3 333 (2) (0.6) 335
# ATMs (eop) 704 9 1.3 695 (191) (21.6) 886
# DDA households (eop) 502,931 12,007 2.4 490,924 4,011 0.8 486,913
# New relationships 90-day cross-sell (average) 2.37 0.42 21.5 1.95 N/A N/A N/A
# on-line customers (eop) 211,392 47,800 29.2 163,592 57,924 54.8 105,668
on-line retail household penetration (eop) 40% 9% 31% 11% 20%
Small Business
Average loans (in millions) $ 2,003 $ 216 12.1% $ 1,787 $ 293 19.6% $ 1,494
Average deposits (in millions) $ 2,008 $ 325 19.3 $ 1,683 $ 98 6.2 $ 1,585
# employees — full-time equivalent (eop) 270 7 2.7 263 16 6.5 247
# business DDA relationships (eop) 50,857 4,243 9.1 46,614 297 0.6 46,317
# New relationships 90-day cross-sell (average) 2.21 0.35 18.6 1.86 N/A N/A N/A
Commercial Banking
Average loans (in millions) $ 6,300 $ (32) (0.5)% $ 6,332 $ (18) (0.3)% $ 6,350
Average deposits (in millions) $ 3,218 $ 623 24.0 $ 2,595 $ 381 17.2 $ 2,214
# employees — full-time equivalent (eop) 544 (28) (4.9) 572 (9) (1.5) 581
# customers (eop) 5,513 (690) (11.1) 6,203 N/A N/A N/A
Mortgage Banking
Average loans (in millions) $ 2,242 $ 937 71.8% $ 1,305 $ 432 49.5% $ 873
Average deposits (in millions) $ 176 $ (36) (17.0) $ 212 $ 92 76.7 $ 120
# employees — full-time equivalent (eop) 551 (69) (11.1) 620 24 4.0 596
Closed loan volume (in millions) $ 4,193 $ (1,884) (31.0) $ 6,077 $ 1,976 48.2 $ 4,101
Portfolio closed loan volume (in millions) 2,559 532 26.2 2,027 214 11.8 1,813
Agency delivery volume (in millions) 1,644 (2,681) (62.0) 4,325 1,955 82.5 2,370
Total servicing portfolio (in millions) 10,755 1,694 18.7 9,061 3,024 50.1 6,037
Portfolio serviced for others (in millions) 6,861 467 7.3 6,394 2,618 69.3 3,776
Mortgage servicing rights (in millions) 77.1 6.0 8.4 71.1 41.8 N.M. 29.3
N.M., not a meaningful value.
N/A, not available.
eop — end of period.
(1) Operating basis, see Lines of Business section for definition.
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