Huntington National Bank 2007 Annual Report Download - page 38

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Table 13 — Loan and Lease Portfolio Composition
(in millions of dollars) 2007 2006 2005 2004 2003
At December 31,
Commercial
(1)
Middle market commercial and industrial
(2)
$10,158 25.3% $ 5,961 22.8% $ 5,084 20.6% $ 4,666 19.3% $ 4,416 19.7%
Construction 1,946 4.9 1,229 4.7 1,522 6.2 1,602 6.6 1,264 5.6
Commercial 5,858 14.6 2,722 10.4 2,015 8.2 1,917 7.9 1,919 8.6
Total middle market real estate 7,804 19.5 3,951 15.1 3,537 14.4 3,519 14.5 3,183 14.2
Small business commercial and industrial and
commercial real estate 4,347 10.8 2,442 9.2 2,224 9.1 2,118 8.8 1,887 8.4
Total commercial 22,309 55.6 12,354 47.1 10,845 44.1 10,303 42.6 9,486 42.3
Consumer:
Automobile loans 3,114 7.8 2,126 8.1 1,985 8.1 1,949 8.1 2,992 13.4
Automobile leases 1,180 2.9 1,769 6.8 2,289 9.3 2,443 10.1 1,902 8.5
Home equity 7,290 18.2 4,927 18.8 4,763 19.3 4,647 19.2 3,746 16.7
Residential mortgage 5,447 13.6 4,549 17.4 4,193 17.0 3,829 15.9 2,531 11.3
Other loans 715 1.7 428 1.7 397 1.4 389 1.7 418 2.0
Total consumer 17,746 44.2 13,799 52.8 13,627 55.1 13,257 55.0 11,589 51.9
Total loans and direct financing leases 40,055 99.8 26,153 99.9 24,472 99.2 23,560 97.6 21,075 94.2
Automobile operating lease assets 68 0.2 28 0.1 189 0.8 587 2.4 1,260 5.6
Securitized loans —— — — — — — — 37 0.2
Total credit exposure $40,123 100.0% $26,181 100.0% $24,661 100.0% $24,147 100.0% $22,372 100.0%
Total automobile exposure
(3)
$ 4,362 10.9% $ 3,923 15.0% $ 4,463 18.1% $ 4,979 20.6% $ 6,191 27.7%
By Business Segment
(4)
Regional Banking:
Central Ohio $ 5,110 12.8% $ 3,570 13.6%
Northwest Ohio 2,284 5.7 462 1.8
Greater Cleveland 3,097 7.7 1,920 7.3
Greater Akron/Canton 2,021 5.0 1,326 5.1
Southern Ohio/Kentucky 2,660 6.6 2,190 8.4
Mahoning Valley 928 2.3 ——
Ohio Valley 870 2.2 ——
West Michigan 2,478 6.2 2,421 9.3
East Michigan 1,750 4.4 1,630 6.2
Western Pennsylvania 1,054 2.6 ——
Pittsburgh 901 2.2 ——
Central Indiana 1,421 3.5 963 3.7
West Virginia 1,156 2.9 1,124 4.3
Other Regional
(2)
6,177 15.6 3,806 14.5
Regional Banking 31,907 79.7 19,412 74.2
Dealer Sales 5,563 13.9 4,908 18.8
Private Financial and Capital Markets Group 2,585 6.4 1,833 7.0
Treasury/Other —— ——
Total loans and direct financing leases $40,055 100.0% $26,153 100.0%
(1) There were no commercial loans outstanding that would be considered a concentration of lending to a particular industry or group of industries.
(2) 2007 includes loans to Franklin.
(3) Total automobile loans and leases, operating lease assets, and securitized loans.
(4) Prior period amounts have been reclassified to conform to the current period business segment structure.
36
MANAGEMENT’S DISCUSSION AND ANALYSIS HUNTINGTON BANCSHARES INCORPORATED