Huntington National Bank 2015 Annual Report Download - page 14

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6
HARP Home Affordable Refinance Program
HASI Huntington Asset Services, Inc.
HIP Huntington Investment and Tax Savings Plan
HQLA High-Quality Liquid Assets
HTM Held-to-Maturity
IRS Internal Revenue Service
LCR Liquidity Coverage Ratio
LIBOR London Interbank Offered Rate
LGD Loss-Given-Default
LIHTC Low Income Housing Tax Credit
LTV Loan to Value
NAICS North American Industry Classification System
Macquarie Macquarie Equipment Finance, Inc. (U.S. Operations)
MBS Mortgage-Backed Securities
MD&A Management’s Discussion and Analysis of Financial Condition and Results of Operations
MSA Metropolitan Statistical Area
MSR Mortgage Servicing Rights
NALs Nonaccrual Loans
NCO Net Charge-off
NII Noninterest Income
NIM Net Interest Margin
NPAs Nonperforming Assets
N.R. Not relevant. Denominator of calculation is a gain in the current period compared with a loss in the
prior period, or vice-versa
OCC Office of the Comptroller of the Currency
OCI Other Comprehensive Income (Loss)
OCR Optimal Customer Relationship
OLEM Other Loans Especially Mentioned
OREO Other Real Estate Owned
OTTI Other-Than-Temporary Impairment
PD Probability-Of-Default
Plan Huntington Bancshares Retirement Plan
Problem Loans Includes nonaccrual loans and leases (Table 11), accruing loans and leases past due 90 days or more
(Table 12), troubled debt restructured loans (Table 13), and criticized commercial loans (credit
quality indicators section of Footnote 3).
RBHPCG Regional Banking and The Huntington Private Client Group
REIT Real Estate Investment Trust
ROC Risk Oversight Committee
RWA Risk-Weighted Assets
SAD Special Assets Division
SBA Small Business Administration
SEC Securities and Exchange Commission
SERP Supplemental Executive Retirement Plan
SRIP Supplemental Retirement Income Plan
SSFA Simplified Supervisory Formula Approach
TCE Tangible Common Equity
TDR Troubled Debt Restructured loan
U.S. Treasury U.S. Department of the Treasury
UCS Uniform Classification System
UDAP Unfair or Deceptive Acts or Practices
Unified Unified Financial Securities, Inc.