The following table provides a detail listing of Huntington's loan and lease portfolio at September 30, 2011, December 31, 2010, and September 30, 2010:

As shown in the table above, the primary loan and lease portfolios are: C&I, CRE, automobile, home equity, residential mortgage, and other consumer. For ACL purposes, these portfolios are further disaggregated into classes. The classes within the C&I portfolio are: owner occupied and other C&I. The classes within the CRE portfolio are: retail properties, multi family, office, industrial and warehouse, and other CRE. The classes within the home equity portfolio are: first-lien loans and second-lien loans. The automobile, residential mortgage, and other consumer portfolios are not further segregated into classes.

The Bank has access to the Federal Reserve's discount window and advances from the FHLB – Cincinnati. As of September 30, 2011, these borrowings and advances are secured by $18.1 billion of loans and securities.

The following table summarizes significant portfolio loan purchase and sale activity for the nine-month period ended September 30, 2011:


		Commercial		Commercial				Home		Residential		Other
		and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Portfolio loans purchased during the:
	Three-month period ended September 30, 2011	$	---	$	---	$	59,578⁽¹⁾	$	---	$	---	$	---	$	59,578
	Nine-month period ended September 30, 2011		---		---		59,578⁽¹⁾		---		---		---		59,578

Portfolio loans sold or transferred to loans held for sale during the:
	Three-month period ended September 30, 2011		48,530		---		1,000,033		---		---		---		1,048,563
	Nine-month period ended September 30, 2011		204,012		56,123		1,000,033		---		170,757		---		1,430,925

(1)	Reflected the purchase of $59.6 million of automobile loans as a result of exercising a clean-up call option related to loans previously sold under Huntington's automobile loan sale program.

Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date.

Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt.

All classes within the C&I and CRE portfolios are placed on nonaccrual status at no greater than 90-days past due. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government organizations which continue to accrue interest. First-lien and second-lien home equity portfolio are placed on nonaccrual status at 150-days past due and 120-days past due, respectively. Automobile and other consumer loans are not placed on nonaccrual status, but are generally charged-off when the loan is 120-days past due. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income is reversed with current year accruals charged to interest income, and prior year amounts charged-off as a credit loss.

For all classes within all loan portfolios, cash receipts received on NALs are applied entirely against principal until the loan or lease has been collected in full, after which time any additional cash receipts are recognized as interest income.

Regarding all classes within all portfolios, when, in Management's judgment, the borrower's ability to make required principal and interest payments resumes and collectability is no longer in doubt, and the loan has been brought current with respect to principal and interest, the loan or lease is returned to accrual status. For these loans that have been returned to accrual status, cash receipts are applied according to the contractual terms of the loan.

			2011		2010
(dollar amounts in thousands)			September 30,		December 31,

Commercial and industrial:
	Owner occupied	$	98,998	$	138,822
	Other commercial and industrial		110,634		207,898
Total commercial and industrial			209,632		346,720

Commercial real estate:
	Retail properties		51,342		96,644
	Multi family		38,301		44,819
	Office		37,010		47,950
	Industrial and warehouse		49,102		39,770
	Other commercial real estate		81,331		134,509
Total commercial real estate			257,086		363,692

Automobile			---		---
Home equity:
	Secured by first-lien		17,771		10,658
	Secured by second-lien		19,385		11,868
Residential mortgage			61,129		45,010
Other consumer			---		---
Total nonaccrual loans		$	565,003	$	777,948

The following table presents an aging analysis of loans and leases, including past due loans, by loan class: (1)

September 30, 2011
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing

Commercial and industrial:
	Owner occupied	$	16,165	$	7,883	$	63,265	$	87,313	$	3,890,718	$	3,978,031	$	---
	Other commercial and industrial		16,426		7,776		63,410		87,612		9,873,242		9,960,854		---
Total commercial and industrial		$	32,591	$	15,659	$	126,675	$	174,925	$	13,763,960	$	13,938,885	$	---

Commercial real estate:
	Retail properties	$	9,160	$	8,919	$	33,148	$	51,227	$	1,597,313	$	1,648,540	$	---
	Multi family		7,884		1,181		27,229		36,294		968,020		1,004,314		---
	Office		1,252		706		31,729		33,687		977,554		1,011,241		---
	Industrial and warehouse		2,775		1,175		25,384		29,334		704,663		733,997		---
	Other commercial real estate		12,862		13,166		59,853		85,881		1,450,471		1,536,352		---
Total commercial real estate		$	33,933	$	25,147	$	177,343	$	236,423	$	5,698,021	$	5,934,444	$	---

Automobile		$	38,866		9,699	$	5,722	$	54,287	$	5,504,128	$	5,558,415	$	5,722
Home equity:
	Secured by first-lien		20,043		8,972		27,333		56,348		3,532,416		3,588,764		9,561
	Secured by second-lien		29,642		15,108		30,243		74,993		4,415,130		4,490,123		10,859
Residential mortgage			144,074		46,791		172,435		363,300		4,622,723		4,986,023		117,263⁽²⁾
Other consumer			6,455		1,972		2,033		10,460		504,780		515,240		2,033

December 31, 2010
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing

Commercial and industrial:
	Owner occupied	$	16,393	$	9,084	$	80,114	$	105,591	$	3,717,872	$	3,823,463	$	---
	Other commercial and industrial		34,723		35,698		110,491		180,912		9,058,918		9,239,830		---
Total commercial and industrial		$	51,116	$	44,782	$	190,605	$	286,503	$	12,776,790	$	13,063,293	$	---

Commercial real estate:
	Retail properties	$	23,726	$	694	$	72,856	$	97,276	$	1,664,941	$	1,762,217	$	---
	Multi family		8,993		8,227		31,519		48,739		1,072,877		1,121,616		---
	Office		20,888		6,032		36,401		63,321		1,059,806		1,123,127		---
	Industrial and warehouse		4,073		7,782		13,006		24,861		828,091		852,952		---
	Other commercial real estate		45,792		9,243		91,718		146,753		1,644,491		1,791,244		---
Total commercial real estate		$	103,472	$	31,978	$	245,500	$	380,950	$	6,270,206	$	6,651,156	$	---

Automobile		$	47,981	$	12,246	$	7,721	$	67,948	$	5,546,763	$	5,614,711	$	7,721
Home equity:
	Secured by first-lien		14,810		8,166		18,630		41,606		2,999,146		3,040,752		7,972
	Secured by second-lien		36,488		16,551		27,392		80,431		4,591,971		4,672,402		15,525
Residential mortgage			115,290		57,580		197,280		370,150		4,130,216		4,500,366		152,271⁽³⁾
Other consumer			7,204		2,280		2,456		11,940		551,887		563,827		2,456

(1)	NALs are included in this aging analysis based on the loan's past due status.
(2)	Includes $84,413 thousand guaranteed by the U.S. government.
(3)	Includes $98,288 thousand guaranteed by the U.S. government.

Huntington maintains two reserves, both of which reflect Management's judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change.

The appropriateness of the ACL is based on Management's current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, Management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. In addition to general economic conditions and the other factors described above, additional factors also considered include: the impact of declining residential real estate values; the diversification of CRE loans, particularly loans secured by retail properties; and the amount of C&I loans to businesses in areas of Ohio and Michigan that have historically experienced less economic growth compared with other footprint markets. Also, the ACL assessment includes the on-going assessment of credit quality metrics, and a comparison of certain ACL benchmarks to current performance. Management's determinations regarding the appropriateness of the ACL are reviewed and approved by the Company's board of directors.

The ACL is increased through a provision for credit losses that is charged to earnings, based on Management's quarterly evaluation of the factors previously mentioned, and is reduced by charge-offs, net of recoveries, and the ACL associated with securitized or sold loans.

The ALLL consists of two components: (1) the transaction reserve, which includes specific reserves related to loans considered to be impaired and loans involved in troubled debt restructurings, and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics and (2) an estimate of loss based on an impairment review of each C&I and CRE loan greater than $1 million. For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying a PD factor and a LGD factor to each individual loan based on a continuously updated loan grade, using a standardized loan grading system. The PD factor and an LGD factor are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower's industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data using a 24-month calculation period.

In the case of more homogeneous portfolios, such as automobile loans, home equity loans, and residential mortgage loans, the determination of the transaction reserve also incorporates PD and LGD factors, however, the estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used. The credit score provides a basis for understanding the borrowers past and current payment performance, and this information is used to estimate expected losses over the subsequent 12-month period. The performance of first-lien loans ahead of our second-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as needed.

The general reserve consists of economic reserve and risk-profile reserve components. The economic reserve component considers the potential impact of changing market and economic conditions on portfolio performance. The risk-profile component considers items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, management quality, concentrations, portfolio composition, industry comparisons, and internal review functions.

The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering a historical utilization of unused commitments. The AULC is reflected in accrued expenses and other liabilities in the Unaudited Condensed Consolidated Balance Sheet.

The following table presents ALLL and AULC activity by portfolio segment for the three-month and nine-month periods ended September 30, 2011:

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Three-month period ended September 30, 2011:

	ALLL balance, beginning of period		$	281,016	$	463,874	$	55,428	$	146,444	$	98,992	$	25,372	$	1,071,126
		Loan charge-offs		(28,624)		(29,621)		(8,087)		(27,916)		(13,422)		(8,229)		(115,899)
		Recoveries of loans previously charged-off		10,733		5,181		4,224		1,694		1,860		1,652		25,344
		Provision for loan and lease losses		22,129		(20,539)		4,565		19,394		11,544		8,774		45,867
		Allowance for loans sold or transferred to loans held for sale		---		---		(6,728)		---		---		---		(6,728)

	ALLL balance, end of period		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710

	AULC balance, beginning of period		$	31,341	$	6,632	$	---	$	2,249	$	1	$	837	$	41,060
		Provision for unfunded loan commitments and letters of credit		(882)		(1,316)		---		(67)		---		(16)		(2,281)

	AULC balance, end of period		$	30,459	$	5,316	$	---	$	2,182	$	1	$	821	$	38,779

	ACL balance, end of period		$	315,713	$	424,211	$	49,402	$	141,798	$	98,975	$	28,390	$	1,058,489

Nine-month period ended September 30, 2011:

	ALLL balance, beginning of period		$	340,614	$	588,251	$	49,488	$	150,630	$	93,289	$	26,736	$	1,249,008
		Loan charge-offs		(110,590)		(146,991)		(24,939)		(83,598)		(53,773)		(23,716)		(443,607)
		Recoveries of loans previously charged-off		31,804		27,273		14,109		5,220		6,824		5,205		90,435
		Provision for loan and lease losses		23,426		(49,638)		17,472		67,364		54,148		19,344		132,116
		Allowance for loans sold or transferred to loans held for sale		---		---		(6,728)		---		(1,514)		---		(8,242)

	ALLL balance, end of period		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710

	AULC balance, beginning of period		$	32,726	$	6,158	$	---	$	2,348	$	1	$	894	$	42,127
		Provision for unfunded loan commitments and letters of credit		(2,267)		(842)		---		(166)		---		(73)		(3,348)

	AULC balance, end of period		$	30,459	$	5,316	$	---	$	2,182	$	1	$	821	$	38,779

	ACL balance, end of period		$	315,713	$	424,211	$	49,402	$	141,798	$	98,975	$	28,390	$	1,058,489

Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment.

C&I and CRE loans are either charged-off or written down to net realizable value at 90-days past due. Automobile loans and other consumer loans are charged-off at 120-days past due. First-lien and second-lien home equity loans are charged-off to the estimated fair value of the collateral at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due.

To facilitate the monitoring of credit quality for C&I and CRE loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following categories of credit grades:

Pass = Higher quality loans that do not fit any of the other categories described below.

OLEM = Potentially weak loans. The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or inadequately protect Huntington's position in the future.

Substandard = Inadequately protected loans by the borrower's ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated.

Doubtful = Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high.

The categories above, which are derived from standard regulatory rating definitions, are assigned upon initial approval of the loan or lease and subsequently updated as appropriate.

Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are also considered Classified loans.

For all classes within all consumer loan portfolios, each loan is assigned a specific PD factor that is generally based on the borrower's most recent credit bureau score (FICO), which we update quarterly. A HYPERLINK "http://www.investorglossary.com/fico-score.htm" FICO credit bureau score is a HYPERLINK "http://www.investorglossary.com/credit-score.htm" credit score developed by Fair Isaac Corporation based on data provided by the credit bureaus. The FICO credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the FICO credit bureau score, the higher likelihood of repayment and therefore, an indicator of lower credit risk

The following table presents loan and lease balances by credit quality indicator:

		September 30, 2011
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,531,028	$	108,665	$	337,037	$	1,301	$	3,978,031
	Other commercial and industrial		9,318,615		204,594		432,760		4,885		9,960,854
Total commercial and industrial		$	12,849,643	$	313,259	$	769,797	$	6,186	$	13,938,885

Commercial real estate:
	Retail properties	$	1,303,839	$	133,512	$	211,189	$	-	$	1,648,540
	Multi family		849,886		52,630		101,548		250		1,004,314
	Office		849,981		91,098		70,034		128		1,011,241
	Industrial and warehouse		634,183		26,074		73,740		-		733,997
	Other commercial real estate		1,094,653		107,116		333,876		707		1,536,352
Total commercial real estate		$	4,732,542	$	410,430	$	790,387	$	1,085	$	5,934,444

		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,552,438	$	2,200,114	$	697,307	$	108,556	$	5,558,415
Home equity:
	Secured by first-lien		2,039,431		1,219,344		318,745		11,244		3,588,764
	Secured by second-lien		2,168,899		1,686,926		633,704		594		4,490,123
Residential mortgage			2,301,637		1,731,554		718,477		234,355		4,986,023
Other consumer			196,729		212,512		84,725		21,274		515,240



		December 31, 2010
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,265,266	$	159,398	$	392,969	$	5,830	$	3,823,463
	Other commercial and industrial		8,434,969		264,679		524,867		15,315		9,239,830
Total commercial and industrial		$	11,700,235	$	424,077	$	917,836	$	21,145	$	13,063,293

Commercial real estate:
	Retail properties	$	1,283,667	$	128,067	$	350,478	$	5	$	1,762,217
	Multi family		898,935		78,577		143,689		415		1,121,616
	Office		867,970		122,173		132,833		151		1,123,127
	Industrial and warehouse		668,452		72,177		112,323		-		852,952
	Other commercial real estate		1,220,708		88,288		481,136		1,112		1,791,244
Total commercial real estate		$	4,939,732	$	489,282	$	1,220,459	$	1,683	$	6,651,156

		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,516,130	$	2,267,363	$	724,584	$	106,634	$	5,614,711
Home equity:
	Secured by first-lien		1,643,792		1,082,143		313,961		856		3,040,752
	Secured by second-lien		2,224,545		1,768,450		678,738		669		4,672,402
Residential mortgage			1,978,843		1,580,266		795,676		145,581		4,500,366
Other consumer			206,952		234,558		102,254		20,063		563,827

(1)	Reflects currently updated customer credit scores.
(2)	Reflects deferred fees and costs, loans in process, loans to legal entities, etc.

For all classes within the C&I and CRE portfolios, all loans with an outstanding balance of $1 million or greater are evaluated on a quarterly basis for impairment. Generally, consumer loans within any class are not individually evaluated on a regular basis for impairment.

Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates.

When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral if the loan is collateral dependent. When the present value of expected future cash flows is used, the effective interest rate is the original contractual interest rate of the loan adjusted for any premium or discount. When the contractual interest rate is variable, the effective interest rate of the loan changes over time. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan's expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve.

When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts received on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full, after which time any additional cash receipts are recognized as interest income. Cash receipts received on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired.

The following table presents summarized data for impaired loans and the related ALLL by portfolio segment:



			Commercial		Commercial						Residential		Other
			and Industrial		Real Estate		Automobile		Home Equity		Mortgage		Consumer		Total

ALLL at September 30, 2011:
(dollar amounts in thousands)

	Portion of ending balance:

		Attributable to loans individually evaluated for impairment	$	31,249	$	61,472	$	1,344	$	1,610	$	14,757	$	311	$	110,743
		Attributable to loans collectively evaluated for impairment		254,005		357,423		48,058		138,006		84,217		27,258		908,967
	Total ALLL balance at September 30, 2011		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710

	ALLL associated with portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---

Loans and Leases at September 30, 2011:
(dollar amounts in thousands)

	Portion of loans and leases at September 30, 2011:

		Individually evaluated for impairment		161,939		400,952		37,371		47,877		325,242		4,626		978,007
		Collectively evaluated for impairment		13,776,946		5,533,492		5,521,044		8,031,010		4,660,781		510,614		38,033,887
	Total loans evaluated for impairment		$	13,938,885	$	5,934,444	$	5,558,415	$	8,078,887	$	4,986,023	$	515,240	$	39,011,894

	Portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---




			Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total

ALLL at December 31, 2010
(dollar amounts in thousands)

	Portion of ALLL balance at December 31, 2010:

		Attributable to loans individually evaluated for impairment	$	63,307	$	65,130	$	1,477	$	1,498	$	11,780	$	668	$	143,860
		Attributable to loans collectively evaluated for impairment		277,307		523,121		48,011		149,132		81,509		26,068		1,105,148
	ALLL balance at December 31, 2010:		$	340,614	$	588,251	$	49,488	$	150,630	$	93,289	$	26,736	$	1,249,008

	ALLL associated with portfolio loans acquired with deteriorated credit quality		$	---	$	-	$	-	$	-	$	-	$	-	$	-

Loans and Leases at December 31, 2010:
(dollar amounts in thousands)

	Portion of loans and leases at December 31, 2010:

		Individually evaluated for impairment		198,120		310,668		29,764		37,257		334,207		9,565		919,581
		Collectively evaluated for impairment		12,865,173		6,340,488		5,584,947		7,675,897		4,166,159		554,262		37,186,926
	Total loans evaluated for impairment		$	13,063,293	$	6,651,156	$	5,614,711	$	7,713,154	$	4,500,366	$	563,827	$	38,106,507

	Portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---

The following tables present detailed impaired loan information by class: (1), (2)

									Three Months Ended				Nine Months Ended
			September 30, 2011						September 30, 2011				September 30, 2011
					Unpaid						Interest				Interest
			Ending		Principal		Related		Average		Income		Average		Income
(dollar amounts in thousands)			Balance		Balance (5)		Allowance		Balance		Recognized		Balance		Recognized

With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	10,105	$	14,456	$	-	$	4,284	$	122	$	7,121	$	139
		Other commercial and industrial		3,782		6,165		-		3,324		37		6,102		162
	Total commercial and industrial		$	13,887	$	20,621	$	-	$	7,608	$	159	$	13,223	$	301

	Commercial real estate:
		Retail properties	$	43,746	$	55,370	$	-	$	29,895	$	348	$	21,158	$	362
		Multi family		21,156		21,345		-		16,187		188		12,951		499
		Office		1,105		1,431		-		1,542		-		1,804		-
		Industrial and warehouse		1,866		2,908		-		3,098		36		2,755		41
		Other commercial real estate		23,032		42,611		-		27,559		251		25,988		609
	Total commercial real estate		$	90,905	$	123,665	$	-	$	78,281	$	823	$	64,656	$	1,511

	Automobile		$	-	$	-	$	-	$	-	$	-	$	-	$	-
	Home equity:
		Secured by first-lien		-		-		-		-		-		-		-
		Secured by second-lien		-		-		-		-		-		-		-
	Residential mortgage			-		-		-		-		-		-		-
	Other consumer			-		-		-		-		-		-		-

With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	40,311	$	58,925	$	5,891	$	49,354	$	499	$	56,747	$	1,362
		Other commercial and industrial		107,741		138,751		25,358		102,193		946		99,629		2,246
	Total commercial and industrial		$	148,052	$	197,676	$	31,249	$	151,547	$	1,445	$	156,376	$	3,608

	Commercial real estate: (4)
		Retail properties	$	118,010	$	146,923	$	29,030	$	99,018	$	863	$	96,231	$	1,975
		Multi family		22,365		29,085		4,170		23,943		130		29,348		625
		Office		24,863		41,496		3,490		25,061		53		27,716		197
		Industrial and warehouse		50,423		61,563		7,141		54,345		166		44,649		588
		Other commercial real estate		94,386		131,350		17,641		107,635		873		85,949		1,510
	Total commercial real estate		$	310,047	$	410,417	$	61,472	$	310,002	$	2,085	$	283,893	$	4,895

	Automobile		$	37,371	$	37,371	$	1,344	$	33,215	$	847	$	31,451	$	2,154
	Home equity:
		Secured by first-lien		32,681		32,681		638		27,758		354		24,734		816
		Secured by second-lien		15,196		15,196		972		14,714		187		15,746		550
	Residential mortgage			325,242		347,843		14,757		329,685		3,038		335,400		9,848
	Other consumer			4,626		4,626		311		6,768		41		8,068		373


			December 31, 2010
					Unpaid
			Ending		Principal		Related
(dollar amounts in thousands)			Balance		Balance (5)		Allowance

With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	13,750	$	26,603	$	---
		Other commercial and industrial		11,127		22,688		---
	Total commercial and industrial		$	24,877	$	49,291	$	---

	Commercial real estate:
		Retail properties	$	31,972	$	67,487	$	---
		Multi family		5,058		5,675		---
		Office		2,270		3,562		---
		Industrial and warehouse		3,305		6,912		---
		Other commercial real estate		26,807		58,996		---
	Total commercial real estate		$	69,412	$	142,632	$	---

	Automobile		$	---	$	---	$	---
	Home equity:
		Secured by first-lien		---		---		---
		Secured by second-lien		---		---		---
	Residential mortgage			---		---		---
	Other consumer			---		---		---

With an allowance recorded:
	Commercial and industrial:
		Owner occupied	$	63,951	$	85,279	$	14,322
		Other commercial and industrial		109,292		154,424		48,986
	Total commercial and industrial		$	173,243	$	239,703	$	63,308

	Commercial real estate:
		Retail properties	$	74,732	$	120,051	$	14,846
		Multi family		38,758		39,299		7,760
		Office		26,595		31,261		9,466
		Industrial and warehouse		34,588		44,168		10,453
		Other commercial real estate		66,583		104,485		22,604
	Total commercial real estate		$	241,256	$	339,264	$	65,129

	Automobile		$	29,764	$	29,764	$	1,477
	Home equity:
		Secured by first-lien		20,553		20,675		511
		Secured by second-lien		16,704		17,060		987
	Residential mortgage			334,207		347,571		11,780
	Other consumer			9,565		9,565		668

(1)	These tables do not include loans fully charged-off.
(2)	All automobile, home equity, residential mortgage, and other consumer impaired loans included in the tables below are considered impaired due to their status as a TDR.
(3)	At September 30, 2011, $32,685 thousand of the $148,052 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.
(4)	At September 30, 2011, $26,916 thousand of the $310,047 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR.
(5)	The differences between the ending balance and the unpaid principal balance amounts represent partial charge-offs.

TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs.

The Company's standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analysis, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower's specific circumstances at a point in time. All loan modifications, including those classified as TDRs, are reviewed and approved. The types of concessions provided to borrowers include:

Commercial loan TDRs – Commercial accruing TDRs often result from loans receiving a concession with terms that are not considered a market transaction to Huntington. The TDR remains in accruing status as long as the customer is less than 90 days past due on payments per the restructured loan terms and no loss is expected.

Commercial nonaccrual TDRs result from either: (1) an accruing commercial TDR being placed on nonaccrual status, or (2) a workout where an existing commercial NAL is restructured and a concession was given. At times, these workouts restructure the NAL so that two or more new notes are created. The primary note is underwritten based upon our normal underwriting standards and is sized so projected cash flows are sufficient to repay contractual principal and interest. The terms on the secondary note(s) vary by situation, and may include notes that defer principal and interest payments until after the primary note is repaid. Creating two or more notes often allows the borrower to continue a project or weather a temporary economic downturn and allows Huntington to right-size a loan based upon the current expectations for a borrower's or project's performance. Additionally, if a charge-off was taken as part of the restructuring, the TDR status is not considered for removal. The TDR status on commercial loans is considered for removal if the loan is subsequently modified at market terms.

Residential Mortgage loan TDRs – Residential mortgage TDRs represent loan modifications associated with traditional first-lien mortgage loans in which a concession has been provided to the borrower. The primary concessions given to residential mortgage borrowers are amortization or maturity date changes and interest rate reductions. Residential mortgages identified as TDRs involve borrowers unable to refinance their mortgages through the Company's normal mortgage origination channels or through other independent sources. Some, but not all, of the loans may be delinquent.

Other Consumer loan TDRs – Generally, these are TDRs associated with home equity borrowings and automobile loans. The Company may make similar interest rate, term, and principal concessions as with residential mortgage loan TDRs.

Huntington's ALLL is largely driven by updated risk ratings assigned to commercial loans, updated borrower credit scores on consumer loans, and borrower delinquency history in both the commercial and consumer portfolios. As such, the provision for credit losses is impacted primarily by changes in borrower payment performance rather than the TDR classification. TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs whereas accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the restructured terms will be collected.

Commercial loan TDRs – In instances where the bank substantiates that it will collect its outstanding balance in full, the note is considered for return to accrual status upon the borrower sustaining sufficient cash flows for a six-month period of time. This six-month period could extend before or after the restructure date. If a charge-off was taken as part of the restructuring, any interest or principal payments received on that note are applied to first reduce the bank's outstanding book balance and then to recoveries of charged-off principal, unpaid interest, and/or fee expenses.

Residential Mortgage and Other Consumer loan TDRs – Modified loans identified as TDRs are aggregated into pools for analysis. Cash flows and weighted average interest rates are used to calculate impairment at the pooled-loan level. Once the loans are aggregated into the pool, they continue to be classified as TDRs until contractually repaid or charged-off.

Residential mortgage loans not guaranteed by a U.S. government agency such as the FHA, VA, and the USDA, including TDR loans, are reported as accrual or nonaccrual based upon delinquency status. Nonaccrual TDRs are those that are greater than 150-days contractually past due. Loans guaranteed by U.S. government organizations continue to accrue interest upon delinquency.

The following table presents new TDR activity by class for the three-month and nine-month periods ended September 30, 2011:

		New Troubled Debt Restructurings During The
		Three-Month Period Ended September 30, 2011

			Post-modification		Net change in
(dollar amounts in thousands)		Number of	Outstanding		ALLL resulting
		Contracts	Balance (1)		from modification

C&I - Owner occupied:

	Interest rate reduction	3	$	638	$	(68)
	Amortization or maturity date change	16		11,023		(1,085)
	Other	2		729		(1)
Total C&I - Owner occupied		21	$	12,390	$	(1,154)

C&I - Other commercial and industrial:

	Interest rate reduction	6	$	18,292	$	1,225
	Amortization or maturity date change	11		2,175		13
	Other	2		3,027		64
Total C&I - Other commercial and industrial		19	$	23,494	$	1,302

CRE - Retail properties:

	Interest rate reduction	2	$	19,883	$	5,603
	Amortization or maturity date change	7		17,984		1,012
	Other	1		2,595		5
Total CRE - Retail properties		10	$	40,462	$	6,620

CRE - Multi family:

	Interest rate reduction	4	$	1,275	$	103
	Amortization or maturity date change	1		1,066		(51)
	Other	---		---		---
Total CRE - Multi family		5	$	2,341	$	52

CRE - Office:

	Interest rate reduction	---	$	---	$	---
	Amortization or maturity date change	---		---		---
	Other	---		---		---
Total CRE - Office		---	$	---	$	---

CRE - Industrial and warehouse:

	Interest rate reduction	---	$	---	$	---
	Amortization or maturity date change	2		229		(2)
	Other	1		2,147		(145)
Total CRE - Industrial and Warehouse		3	$	2,376	$	(147)

CRE - Other commercial real estate:

	Interest rate reduction	10	$	7,834	$	(374)
	Amortization or maturity date change	12		31,470		(365)
	Other	2		2,492		---
Total CRE - Other commercial real estate		24	$	41,796	$	(739)

Automobile:

	Interest rate reduction	12	$	147	$	3
	Amortization or maturity date change	822		7,687		(68)
	Other	---		---		---
Total Automobile		834	$	7,834	$	(65)

Residential mortgage:

	Interest rate reduction	2	$	181	$	---
	Amortization or maturity date change	164		22,120		649
	Other	5		600		33
Total Residential mortgage		171	$	22,901	$	682

First-lien home equity:

	Interest rate reduction	48	$	5,857	$	1,016
	Amortization or maturity date change	49		5,820		111
	Other	---		---		---
Total First-lien home equity		97	$	11,677	$	1,127

Second-lien home equity:

	Interest rate reduction	55	$	2,992	$	22
	Amortization or maturity date change	44		1,631		40
	Other	---		---		---
Total Second-lien home equity		99	$	4,623	$	62

Other consumer:

	Interest rate reduction	6	$	561	$	48
	Amortization or maturity date change	50		348		(18)
	Other	---		---		---
Total Other consumer		56	$	909	$	30

		New Troubled Debt Restructurings During The
		Nine-Month Period Ended September 30, 2011

			Post-modification		Net change in
(dollar amounts in thousands)		Number of	Outstanding		ALLL resulting
		Contracts	Balance (1)		from modification

C&I - Owner occupied:

	Interest rate reduction	27	$	12,240	$	(749)
	Amortization or maturity date change	35		19,294		(1,733)
	Other	4		3,072		243
Total C&I - Owner occupied		66	$	34,606	$	(2,239)

C&I - Other commercial and industrial:

	Interest rate reduction	18	$	21,382	$	1,067
	Amortization or maturity date change	41		23,145		(2,651)
	Other	17		25,421		(3,020)
Total C&I - Other commercial and industrial		76	$	69,948	$	(4,604)

CRE - Retail properties:

	Interest rate reduction	8	$	46,534	$	4,359
	Amortization or maturity date change	14		25,689		1,858
	Other	6		14,253		(1,974)
Total CRE - Retail properties		28	$	86,476	$	4,243

CRE - Multi family:

	Interest rate reduction	10	$	4,378	$	(9)
	Amortization or maturity date change	5		2,256		25
	Other	---		---		---
Total CRE - Multi family		15	$	6,634	$	16

CRE - Office:

	Interest rate reduction	3	$	1,505	$	259
	Amortization or maturity date change	2		1,238		97
	Other	---		---		---
Total CRE - Office		5	$	2,743	$	356

CRE - Industrial and warehouse:

	Interest rate reduction	1	$	2,165	$	(299)
	Amortization or maturity date change	6		19,300		(5,446)
	Other	1		2,147		(145)
Total CRE - Industrial and Warehouse		8	$	23,612	$	(5,890)

CRE - Other commercial real estate:

	Interest rate reduction	15	$	17,893	$	(1,180)
	Amortization or maturity date change	48		103,120		(3,602)
	Other	5		8,199		32
Total CRE - Other commercial real estate		68	$	129,212	$	(4,750)

Automobile:

	Interest rate reduction	14	$	186	$	3
	Amortization or maturity date change	1,534		13,832		(113)
	Other	---		---		---
Total Automobile		1,548	$	14,018	$	(110)

Residential mortgage:

	Interest rate reduction	8	$	6,604	$	(589)
	Amortization or maturity date change	499		67,351		2,289
	Other	18		3,555		115
Total Residential mortgage		525	$	77,510	$	1,815

First-lien home equity:

	Interest rate reduction	95	$	11,836	$	1,899
	Amortization or maturity date change	75		9,073		587
	Other	---		---		---
Total First-lien home equity		170	$	20,909	$	2,486

Second-lien home equity:

	Interest rate reduction	109	$	5,480	$	287
	Amortization or maturity date change	89		2,975		59
	Other	---		---		---
Total Second-lien home equity		198	$	8,455	$	346

Other consumer:

	Interest rate reduction	11	$	837	$	73
	Amortization or maturity date change	57		363		(19)
	Other	---		---		---
Total Other consumer		68	$	1,200	$	54

(1)	Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.

All classes within the C&I and CRE portfolios are considered as redefaulted at 90-days past due. Automobile loans and other consumer loans are considered as redefaulted at 120-days past due. Residential mortgage loans are considered as redefaulted at 150-days past due. The first-lien and second-lien home equity portfolios are considered as redefaulted at 150-days past due and 120-days past due, respectively.

The following table presents TDRs modified within the previous twelve months that have subsequently redefaulted during the three-month and nine-month periods ended September 30, 2011:

		Troubled Debt Restructurings Within The Previous Twelve Months
		That Have Subsequently Defaulted During The (1)
		Three-month period ended September 30, 2011			Nine-month period ended September 30, 2011


(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance


C&I - Owner occupied:

	Interest rate reduction	---	$	---	9	$	3,850
	Amortization or maturity date change	3		3,224	7		4,072
	Other	---		---	2		2,352
Total C&I - Owner occupied		3	$	3,224	18	$	10,274

C&I - Other commercial and industrial:

	Interest rate reduction	---	$	---	1	$	193
	Amortization or maturity date change	2		9,300	6		9,932
	Other	---		---	---		---
Total C&I - Other commercial and industrial		2	$	9,300	7	$	10,125

CRE - Retail Properties:

	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	1		796
	Other	---		---	---		---
Total CRE - Retail properties		---	$	---	1	$	796

CRE - Multi family:

	Interest rate reduction	2	$	812	4	$	1,180
	Amortization or maturity date change	---		---	2		465
	Other	---		---	---		---
Total CRE - Multi family		2	$	812	6	$	1,645

CRE - Office:

	Interest rate reduction	---	$	---	1	$	116
	Amortization or maturity date change	---		---	1		334
	Other	---		---	---		---
Total CRE - Office		---	$	---	2	$	450

CRE - Industrial and Warehouse:

	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		229	7		2,581
	Other	---		---	---		---
Total CRE - Industrial and Warehouse		2	$	229	7	$	2,581

CRE - Other commercial real estate:

	Interest rate reduction	2	$	132	7	$	2,214
	Amortization or maturity date change	---		---	10		2,037
	Other	---		---	---		---
Total CRE - Other commercial real estate		2	$	132	17	$	4,251

Automobile:

	Interest rate reduction	---	$	---	1	$	---⁽²⁾
	Amortization or maturity date change	41		---⁽²⁾	112		---⁽²⁾
	Other	---		---	---		---
Total Automobile		41	$	---⁽²⁾	113	$	---⁽²⁾

Residential mortgage:

	Interest rate reduction	1	$	65	2	$	221
	Amortization or maturity date change	22		2,276	51		5,544
	Other	1		149	5		757
Total Residential mortgage		24	$	2,490	58	$	6,522

First-lien home equity:

	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	3		121
	Other	---		---	---		---
Total First-lien home equity		---	$	---	3	$	121

Second-lien home equity:

	Interest rate reduction	---	$	---	2	$	153
	Amortization or maturity date change	---		---	5		249
	Other	---		---	---		---
Total Second-lien home equity		---	$	---	7	$	402

Other consumer:

	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	2		11⁽³⁾
	Other	---		---	---		---
Total Other consumer		---	$	---	2	$	11

(1)	Subsequent default is defined as a payment redefault within 12 months of the restructuring date.
(2)	Automobile loans are charged-off at time of subsequent default. During the three-month period ended September 30, 2011, $220 thousand of total automobile loans were charged-off at the time of subsequent redefault. During the nine-month period ended September 30, 2011, $813 thousand of total automobile loans were charged-off at the time of subsequent default.
(3)	Other consumer loans are charged-off at time of subsequent default. During the nine-month period ended September 30, 2011, $11 thousand of total other consumer loans were charged-off at the time of subsequent default.