Huntington National Bank 2008 Annual Report Download - page 13
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MANAGEMENT’S DISCUSSION AND ANALYSIS TABLE OF CONTENTS
44 Commercial Real Estate Portfolio
45 Single Family Home Builders
45 Retail Properties
45 Consumer Credit
46 Home Equity Portfolio
47 Residential Mortgages
47 Credit Quality
47 Nonaccruing Loans (NAL/NALs) and Nonperforming Assets (NPA/NPAs)
49 Allowances for Credit Losses (ACL)
52 Net Charge-offs (NCOs)
53 Investment Securities Portfolio
56 Asset-backed and Private-label CMO Securities
56 Market Risk
57 Interest Rate Risk
57 Income Simulation and Economic Value Analysis
58 Mortgage Servicing Rights (MSRs)
59 Price Risk
59 Equity Investment Portfolios
60 Liquidity Risk
60 Bank Liquidity and Sources of Liquidity
62 Parent Company Liquidity
63 Credit Ratings
63 Off-Balance Sheet Arrangements
64 Operational Risk
64 Capital
66 LINES OF BUSINESS DISCUSSION
66 Acquisition of Sky Financial
67 Funds Transfer Pricing
67 Fee Sharing
67 Treasury/Other
67 Net Income by Business Segment
67 Regional Banking
67 Objectives, Strategies, and Priorities
68 2008 Fourth Quarter versus 2008 Third Quarter
69 2008 versus 2007
69 2007 versus 2006
69 Auto Finance and Dealer Services (AFDS)
69 Objectives, Strategies, and Priorities
70 2008 versus 2007
70 2007 versus 2006
71 Private Financial, Capital Markets, and Insurance Group (PFCMIG)
71 Objectives, Strategies, and Priorities
71 2008 Fourth Quarter versus 2008 Third Quarter
72 2008 versus 2007
72 2007 versus 2006
73 RESULTS FOR THE FOURTH QUARTER
73 Earnings Discussion
73 Net Interest Income, Net Interest Margin, Loans, and Average Balance Sheet
75 Provision for Credit Losses
75 Noninterest Income
75 Noninterest Expense
76 Income Taxes
76 Credit Quality
76 Net Charge-offs
77 Nonaccrual Loans (NALs) and Nonperforming Assets (NPAs)
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