Summary of HUNTINGTON BANCSHARES INC/MD

Item 2.02. Results of Operations and Financial Condition.
On April 21, 2009, Huntington Bancshares Incorporated ("Huntington") issued a news release announcing its earnings for the quarter ended March 31, 2009. Also on April 21, 2009, Huntington made a Quarterly Financial Review available on its web site, www.huntington-ir.com.
Huntington's senior management will host an earnings conference call April 21, 2009, at 1:00 p.m. EST. The call may be accessed via a live Internet webcast at www.huntington-ir.com or through a dial-in telephone number at 800-223-1238; conference ID 92645511. Slides will be available at www.huntington-ir.com just prior to 1:00 p.m. EST on April 21, 2009, for review during the call. A replay of the web cast will be archived in the Investor Relations section of Huntington's web site at www.huntington-ir.com. A telephone replay will be available two hours after the completion of the call through April 30, 2009, at 800-642-1687; conference call ID 92645511.
The information contained or incorporated by reference in this Current Report on Form 8-K contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: (1) deterioration in the loan portfolio could be worse than expected due to a number of factors such as the underlying value of the collateral could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2) changes in economic conditions;
(3) movements in interest rates; (4) competitive pressures on product pricing and services; (5) success and timing of other business strategies; (6) the nature, extent, and timing of governmental actions and reforms, including the rules of participation for the Troubled Asset Relief Program voluntary Capital Purchase Plan under the Emergency Economic Stabilization Act of 2008, which may be changed unilaterally and retroactively by legislative or regulatory actions; and (7) extended disruption of vital infrastructure. Additional factors that could cause results to differ materially from those described above can be found in Huntington's 2008 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements contained or incorporated by reference in this Current Report on Form 8-K are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement. Certain information provided in the news release regarding provision for credit losses, net charge-offs, nonaccrual loans, nonperforming assets, allowance for loan and lease losses and allowance for credit losses is not presented in accordance with Generally Accepted Accounting Standards (GAAP) because it excludes information about Franklin Credit Management Corporation (Franklin) from the narrative. Below is a reconciliation based on GAAP.

                                                          2009                   2008
(in millions)                                            First           Fourth         First

Provision for credit losses                             $  291.8        $  722.6        $ 88.7

Total net charge-offs
Total                                                   $  341.5        $  560.6        $ 48.4
Franklin                                                  (128.3 )        (423.3 )           -

Non-Franklin                                               213.2           137.3          48.4

Provision for credit losses in excess of
non-Franklin net charge-offs                            $   78.6        $  585.3        $ 40.3

                                                           2009                       2008
(in millions)                                             First             Fourth            First

Commercial and industrial net charge-offs
Total                                                   $    210.6        $    473.4        $     10.7
Franklin                                                    (128.3 )          (423.3 )               -

Non-Franklin                                            $     82.3        $     50.1        $     10.7

Commercial and industrial average loan balances
Total                                                   $   13,541        $   13,746        $   13,343
Franklin                                                    (628.0 )        (1,085.0 )        (1,166.0 )

Non-Franklin                                            $   12,913        $   12,661        $   12,177

Commercial and industrial net charge-offs -
annualized percentages
Total                                                         6.22 %           13.78 %            0.32 %
Non-Franklin                                                  2.55 %            1.58 %            0.35 %

Total net charge-offs
Total                                                   $    341.5        $    560.6        $     48.4
Franklin                                                    (128.3 )          (423.3 )               -

Non-Franklin                                            $    213.2        $    137.3        $     48.4

Total average loan balances
Total                                                   $   40,866        $   41,437        $   40,367
Franklin                                                    (630.0 )        (1,085.0 )        (1,166.0 )

Non-Franklin                                            $   40,236        $   40,352        $   39,201

Total net charge-offs - annualized percentages
Total                                                         3.34 %            5.41 %            0.48 %
Non-Franklin                                                  2.12 %            1.36 %            0.49 %

Nonaccrual loans
Total                                                   $  1,553.1        $  1,502.1        $    377.4
Franklin                                                    (366.1 )          (650.2 )               -

Non-Franklin                                            $  1,187.0        $    851.9        $    377.4

Total loans and leases
Total                                                   $   39,548        $   41,092        $   41,014
Franklin                                                    (494.0 )          (650.2 )        (1,157.0 )

Non-Franklin                                            $   39,054        $   40,442        $   39,857

NAL ratio
Total                                                         3.93 %            3.66 %            0.92 %
Non-Franklin                                                  3.04 %            2.11 %            0.95 %

Nonperforming assets
Total                                                   $  1,775.7        $  1,636.4        $    520.4
Franklin                                                    (445.7 )          (650.2 )               -

Non-Franklin                                            $  1,330.0        $    986.2        $    520.4

Total loans and leases                                  $   39,548        $   41,092        $   41,014
Total other real estate, net                                 210.8             122.9              73.9
Impaired loans held for sale                                  11.9              12.0              66.4
Other NPAs                                                       -                 -               2.8

Total nonperforming assets                                39,770.7          41,226.9          41,157.1
Franklin                                                    (445.7 )          (650.2 )               -

Non-Franklin                                            $ 39,325.0        $ 40,576.7        $ 41,157.1

NPA ratio
Total                                                         4.46 %            3.97 %            1.26 %
Non-Franklin                                                  3.38 %            2.43 %            1.26 %

                                               2009                  2008
       (in millions)                           First        Fourth         First

       Allowance for loan and lease losses
       Total                                 $   838.5     $   900.2     $    627.6
       Franklin                                      -        (130.0 )       (115.3 )

       Non-Franklin                          $   838.5     $   770.2     $    512.3

       Allowance for credit losses
       Total                                 $   885.5     $   944.4     $    685.2
       Franklin                                      -        (130.0 )       (115.3 )

       Non-Franklin                          $   885.5     $   814.4     $    569.9

       Total loans and leases
       Total                                 $  39,548     $  41,092     $   41,014
       Franklin                                 (494.0 )      (650.2 )     (1,157.0 )

       Non-Franklin                          $  39,054     $  40,442     $   39,857

       ALLL as % of total loans and leases
       Total                                      2.12 %        2.19 %         1.53 %
       Non-Franklin                               2.15 %        1.90 %         1.29 %
       ACL as % of total loans and leases
       Total                                      2.24 %        2.30 %         1.67 %
       Non-Franklin                               2.27 %        2.01 %         1.43 %

       Allowance for loan and lease losses
       Total                                 $   838.5     $   900.2     $    627.6
       Franklin                                      -        (130.0 )       (115.3 )

       Non-Franklin                          $   838.5     $   770.2     $    512.3

       Allowance for credit losses
       Total                                 $   885.5     $   944.4     $    685.2
       Franklin                                      -        (130.0 )       (115.3 )

       Non-Franklin                          $   885.5     $   814.4     $    569.9

       Nonaccrual loans
       Total                                 $ 1,553.1     $ 1,502.1     $    377.4
       Franklin                                 (366.1 )      (650.2 )            -

       Non-Franklin                          $ 1,187.0     $   851.9     $    377.4

       ALLL as % of NALs
       Total                                        54 %          60 %          166 %
       Non-Franklin                                 71 %          90 %          136 %
       ACL as % of NALs
       Total                                        57 %          63 %          182 %
       Non-Franklin                                 75 %          96 %          151 %

The information contained or incorporated by reference in Item 2.02 of this Form 8-K shall be treated as "furnished" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended. Item 9.01. Financial Statements and Exhibits.
The exhibits referenced below shall be treated as "furnished" for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.
(d) Exhibits. Exhibit 99.1 - News release of Huntington Bancshares Incorporated, dated April 21, 2009.
Exhibit 99.2 - Quarterly Financial Review, March 2009.