P.W. Huntington formed Huntington National Bank in 1866 which has since grown to be Huntington Bancshares Inc. operating in 6 states. The document analyzes Huntington's financial performance and competition comparing it to Comerica and Fifth Third Bank. While Huntington has a rich history and focuses on customers, its profit growth declined in 2013, it only operates in 6 states, and faces threats from larger banks and regulations. The recommendation is for Huntington to continue focusing on customers, acquire other small banks, expand its geographic reach, and improve 2014 profit growth.

1. A Bank Analysis
by Brenda Jansen

2. Brief History
 P. W. Huntington formed Huntington
National Bank in 1866
 Incorporated in 1905
 Maintained strict, low-risk banking strategy
during the Depression
 Became Huntington Bancshares Inc. in
1966

3. Products & Services
 Personal
 Checking
 Savings & CDs
 Credit Card
 Online Services
 Loans
 Mortgages
 Investments
 Insurance
 Wealth Services
 Business
 Small Business
 Commercial Banking
 Trust Services
 Insurance
 Government Banking
 Planning & Tools
 Retirement
 College
 Home Buying
 Calculators & Educators
 Rate Finder
 Balancing Worksheet

4. Competition
 Huntington:
 Market Capital: $7,655,000,000
 Locations: OH, MI, PN, IN, WV, and KY
 Comerica:
 Market Capital: $8,823,000,000
 Locations: TX, AZ, CA, FL and MI
 Fifth Third:
 Market Capital: $17,837,000,000
 Locations: OH, FL, GA, IL, IN, KY, MI, MO, NC, PA,
TN, and WV

5. Financial Analysis
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
ROI
HBAN
FITB
CMA
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
ROE
HBAN
FITB
CMA
ROE & ROI are good but dropped in 2013; Keeping
up with Fifth Third

6. Financial Analysis
-
0.20
0.40
0.60
0.80
1.00
1.20
1.40
2011 2012 2013
Price to Book
HBAN
FITB
CMA
Increased each year; higher than others in 2013

7. Financial Analysis
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
2011 2012 2013
Net Income/Average Assets
HBAN
FITB
CMA
Above 1% is good; Fifth Third is doing better

8. Financial Analysis
0.00%
0.20%
0.40%
0.60%
0.80%
2011 2012 2013
Provision for Loan Losses/Average
Assets
HBAN
FITB
CMA
Lower is better; decreased each year; not as low
as Comerica

9. Strategic Analysis
 Strengths
 Rich history
 People focused
 Weakness
 Only in 6 states
 Negative profit
growth 2013
 Opportunities
 Expand into other
states
 Possible acquisitions
 Threats
 Bigger banks
 Economic conditions
 Regulations

10. Recommendations
 Continue to focus on customers
 Acquire other small banks
 Expand into other states
 Improve profit growth in 2014
 Invest? No
 They are still recovering
 Negative profit growth in 2013