Huntington National Bank 2007 Annual Report Download - page 12

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MANAGEMENT’S DISCUSSION AND ANALYSIS TABLE OF CONTENTS
13 INTRODUCTION
13 Forward-Looking Statements
14 Risk Factors
14 Critical Accounting Policies and Use of Significant Estimates
14 Total Allowances for Credit Losses
15 Fair Value Measurements
15 Goodwill
15 Mortgage Servicing Rights (MSRs)
15 Trading Securities and Securities Available-for-sale
15 Derivatives
16 Loans Held-for-sale
16 Other Investments - Equity Investments
16 Income Taxes
16 Recent Accounting Pronouncements and Developments
16 Acquisitions
16 Sky Financial Group, Inc.
17 Unizan Financial Corp.
17 Impact Methodology
17 Balance Sheet Items
17 Sky Financial
17 Unizan
17 Income Statement Items
17 Sky Financial
18 Unizan
20 DISCUSSION OF RESULTS OF OPERATIONS
20 Summary
20 2007 versus 2006
20 2006 versus 2005
21 Basis of Presentation
21 Significant Items
21 Timing Differences
21 Other Items
22 Provision for Credit Losses
22 Other Exclusions
22 Significant Items Influencing Financial Performance Comparisons
25 Net Interest Income / Average Balance Sheet
26 2007 versus 2006
27 2006 versus 2005
30 Provision for Credit Losses
30 Non-Interest Income
31 2007 versus 2006
31 2006 versus 2005
33 Non-Interest Expense
33 2007 versus 2006
34 2006 versus 2005
34 Provision for Income Taxes
35 RISK MANAGEMENT AND CAPITAL
35 Credit Risk
35 Credit Exposure Mix
37 Commercial Credit
38 Single Family Homebuilders
39 Consumer Credit
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