Huntington National Bank 2012 Annual Report Download - page 108

REP
O
To t
h
Hunt
i
Colu
m
We
h
“Co
m
b
y t
h
for
m
cont
r
over
repo
r
We
c
Stat
e
inter
n
unde
eval
u
proc
e
opin
i
A co
prin
c
com
p
of fi
n
acce
p
proc
e
trans
as n
e
and
t
and
d
una
u
state
m
Bec
a
impr
on a
futu
r
degr
e
In o
u
Dec
e
Co
m
We
h
Stat
e
repo
r
Col
u
Febr
u
O
RT OF IN
D
h
e Board of Di
r
i
ngton Bancsh
a
m
bus, Ohio
h
ave audited
t
m
pany”) as o
f
h
e Committe
e
m
aintaining e
f
r
ol over fina
n
Financial Re
p
r
ting based o
n
c
onducted ou
r
e
s). Those sta
n
n
al control o
v
e
rstanding of
i
u
ating the de
s
e
dures as we
i
on.
mpany’s inte
c
ipal executi
v
p
any’s board
n
ancial repor
t
p
ted account
i
e
dures that (1
actions and
d
e
cessary to p
e
t
hat receipts
a
d
irectors of t
h
u
thorized acq
u
m
ents.
a
use of the in
h
oper manage
m
timely basis.
r
e periods are
e
e of compli
a
u
r opinion, th
e
e
mbe
r
31, 20
1
m
mittee of Sp
o
h
ave also aud
i
e
s), the conso
l
r
t dated Febr
u
u
mbus, Ohio
u
ary 15, 201
3
D
EPENDENT
r
ectors and Sh
a
a
res Incorpora
t
t
he internal c
o
f
Decembe
r
3
e
of Sponsori
n
f
fective inter
n
n
cial reportin
g
p
orting. Our
r
n
our audit.
r
audit in acc
o
n
dards requi
r
v
er financial
r
i
nternal cont
r
s
ign and oper
a
considered n
e
r
nal control
o
v
e and princi
p
of directors,
m
t
ing and the
p
ng principles
) pertain to t
h
d
ispositions o
f
e
rmit prepara
t
a
nd expendit
u
h
e company;
a
u
isition, use,
o
h
erent limitat
i
m
ent overrid
e
Also, projec
t
subject to th
e
a
nce with the
e
Company
m
1
2, based on
t
o
nsoring Org
a
i
ted, in accor
d
l
idated finan
c
u
ary 15, 201
3
3
REGISTER
E
a
reholders of
t
e
d
o
ntrol over fi
n
1, 2012, bas
e
n
g Organizati
n
al control o
v
g
, included in
r
esponsibilit
y
o
rdance with
r
e that we pla
n
r
eporting wa
s
r
ol over finan
c
a
ting effectiv
e
cessary in t
h
o
ver financial
p
al financial
o
m
anagement
,
p
reparation o
f
. A company
h
e maintenan
f
the assets o
f
t
ion of financ
i
u
res of the co
m
a
nd (3) provi
d
o
r dispositio
n
i
ons of inter
n
e
of controls,
t
ions of any e
e
risk that th
e
policies or p
r
m
aintained, i
n
t
he criteria es
t
a
nizations of
d
ance with t
h
c
ial statemen
t
3
expressed a
n
E
D PUBLIC
A
n
ancial repor
t
e
d on criteria
ons of the Tr
e
v
er financial r
e
the accomp
a
y
is to expres
s
the standard
s
n
and perfor
m
s
maintained
i
c
ial reportin
g
eness of inte
r
h
e circumsta
n
reporting is
a
o
fficers, or pe
r
,
and other p
e
f
financial sta
t
’s internal co
n
c
e of records
f
the compan
y
i
al statement
s
m
pany are be
d
e reasonabl
e
n
of the comp
a
n
al control ov
e
material mis
s
valuation of
t
e
controls ma
y
r
ocedures ma
y
n
all material
r
t
ablished in
I
t
he Treadwa
y
h
e standards
o
t
s as of and f
o
n
unqualified
100
A
CCOUNTIN
G
t
ing of Hunti
n
established i
n
e
adway Com
m
e
porting and
a
nying Repor
t
s
an opinion
o
s
of the Publi
c
m
the audit to
i
n all materia
l
g
, assessing t
h
r
nal control b
ces. We beli
e
a
process des
i
r
sons perfor
m
e
rsonnel to pr
o
t
ements for e
x
n
trol over fi
n
that, in reas
o
y
; (2) provid
e
s
in accordan
c
ing made on
l
e
assurance r
e
a
ny’s assets
t
e
r financial r
e
s
tatements d
u
t
he effective
n
y
become ina
d
y
deteriorate.
r
espects, effe
c
I
nternal Cont
r
y
Commissio
n
o
f the Public
C
o
r the year en
d
opinion on t
h
G
FIRM
n
gton Bancs
h
n
Internal Co
mission. The
for its assess
m
t
of Manage
m
o
n the Comp
a
c
Company
A
obtain reaso
n
l
respects. O
u
h
e risk that a
m
ased on the a
e
ve that our a
u
igned by, or
u
m
ing similar
f
o
vide reason
a
x
ternal purp
o
n
ancial report
i
o
nable detail,
e
reasonable
a
c
e with gene
r
l
y in accorda
n
e
garding pre
v
t
hat could ha
v
e
porting, incl
u
u
e to error or
n
ess of the in
t
dequate beca
u
c
tive internal
r
o
l
— Integr
a
n
.
C
ompany Ac
c
ded Decemb
e
h
ose financia
l
h
ares Incorpo
ntro
l
— Inte
g
Company’s
m
m
ent of the e
m
ent’s Assess
m
a
ny’s interna
l
A
ccounting O
v
n
able assura
n
u
r audit inclu
d
m
aterial wea
k
a
ssessed risk,
u
dit provide
s
u
nder the su
p
f
unctions, an
d
a
ble assuranc
o
ses in accor
d
i
ng includes
t
accurately a
n
a
ssurance tha
t
r
ally accepte
d
n
ce with auth
o
v
ention or ti
m
v
e a material
uding the po
s
fraud may n
o
t
ernal control
u
se of chang
e
l
control over
a
ted Framew
o
c
ounting Ov
e
er
31, 2012 o
f
l
statements.
o
rated and su
b
g
rated Fram
e
m
anagement
ffectiveness
o
ment of Inte
r
l
control over
versight Boa
r
n
ce abou
t
wh
e
d
ed obtainin
g
k
ness exists,
t
and performi
s
a reasonabl
e
p
ervision of, t
h
d
effected by
e regarding t
h
d
ance with ge
n
t
hose policie
s
n
d fairly refle
t
transaction
s
d
accounting
p
o
rizations of
m
ely detection
effect on the
s
sibility of c
o
o
t
b
e prevent
e
over financi
a
e
s in conditi
o
financial rep
o
r
k
issued by
e
rsight Board
f
the Compa
n
b
sidiaries (th
e
e
work issued
is responsibl
e
o
f internal
r
nal Control
financial
r
d (United
e
ther effectiv
e
g
an
t
esting and
ng such othe
r
e
basis for ou
r
h
e company’
s
the
h
e reliability
n
erally
s
and
ct the
s
are recorde
d
p
rinciples,
management
of
financial
o
llusion or
e
d or detecte
d
a
l reporting t
o
o
ns, or that th
e
orting as of
the
(United
n
y and our
e
e
e
r
r
s
d
d
o
e