Huntington National Bank 2015 Annual Report Download - page 47

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Table 5 - Consolidated Average Balance Sheet and Net Interest Margin Analysis (Continued) (3)
(dollar amounts in thousands)
Interest Income / Expense Average Rate (2)
Fully-taxable equivalent basis (1) 2015 2014 2013 2015 2014 2013
Assets
Interest-bearing deposits in banks $ 90 $ 103 $ 102 0.10% 0.12% 0.15%
Loans held for sale 23,812 12,728 18,905 3.64 3.94 3.63
Securities:
Available-for-sale and other securities:
Taxable 202,104 171,080 148,557 2.53 2.52 2.33
Tax-exempt 64,637 44,562 25,663 3.11 3.12 4.56
Total available-for-sale and other securities 266,741 215,642 174,220 2.65 2.63 2.51
Trading account securities 493 421 355 1.06 0.92 0.44
Held-to-maturity securities—taxable 86,614 88,724 50,214 2.47 2.46 2.33
Total securities 353,848 304,787 224,789 2.60 2.57 2.45
Loans and leases: (2)
Commercial:
Commercial and industrial 700,139 643,484 643,731 3.55 3.51 3.75
Commercial real estate:
Construction 36,956 31,414 23,440 3.63 4.31 4.04
Commercial 146,526 163,192 182,622 3.48 3.82 4.11
Commercial real estate 183,482 194,606 206,062 3.51 3.89 4.10
Total commercial 883,621 838,090 849,793 3.54 3.59 3.83
Consumer:
Automobile loans and leases 282,379 262,931 221,469 3.22 3.43 3.90
Home equity 340,342 343,281 345,379 4.01 4.09 4.16
Residential mortgage 220,678 213,268 199,601 3.71 3.79 3.84
Other consumer 41,866 28,824 27,939 8.71 7.30 6.41
Total consumer 885,265 848,304 794,388 3.74 3.84 4.05
Total loans and leases 1,768,886 1,686,394 1,644,181 3.64 3.71 3.93
Total earning assets $ 2,146,636 $ 2,004,012 $ 1,887,977 3.41% 3.47% 3.66%
Liabilities and Shareholders’ Equity
Deposits:
Demand deposits—noninterest-bearing $ — $ — $ — —% —% —%
Demand deposits—interest-bearing 4,278 2,272 2,525 0.07 0.04 0.04
Total demand deposits 4,278 2,272 2,525 0.02 0.01 0.01
Money market deposits 43,406 42,156 38,830 0.22 0.24 0.25
Savings and other domestic deposits 7,340 8,779 13,292 0.14 0.17 0.26
Core certificates of deposit 20,646 26,998 50,544 0.79 0.81 1.11
Total core deposits 75,670 80,205 105,191 0.22 0.25 0.34
Other domestic time deposits of $250,000
or more 1,078 1,036 1,442 0.42 0.43 0.47
Brokered time deposits and negotiable CDs 4,767 4,728 9,100 0.17 0.22 0.57
Deposits in foreign offices 659 483 508 0.13 0.13 0.15
Total deposits 82,174 86,452 116,241 0.22 0.25 0.35
Short-term borrowings 1,584 2,940 1,475 0.12 0.11 0.11
Long-term debt 80,026 49,929 38,313 1.43 1.43 2.29