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Content analysis
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8th grade Good
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New words:
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Removed:
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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(Dollars in Thousands) |
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Years ended December 31 |
| 2006 |
| 2005 |
| 2004 |
| 2003 |
| 2002 |
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Earnings: |
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Income before income taxes |
| $ | 125,492 |
| $ | 6,556 |
| $ | 114,809 |
| $ | 79,898 |
| $ | 26,053 |
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Add: fixed charges |
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| 50,102 |
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| 55,639 |
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| 56,837 |
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| 56,858 |
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| 52,234 |
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Total earnings |
| $ | 175,594 |
| $ | 62,195 |
| $ | 171,646 |
| $ | 136,756 |
| $ | 78,287 |
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Fixed charges: |
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Interest on policyholders' accounts |
| $ | 49,159 |
| $ | 54,727 |
| $ | 56,386 |
| $ | 56,459 |
| $ | 51,735 |
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Portion of rent representative of interest factor |
|
| 943 |
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| 912 |
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| 451 |
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| 399 |
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| 499 |
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Total fixed charges |
| $ | 50,102 |
| $ | 55,639 |
| $ | 56,837 |
| $ | 56,858 |
| $ | 52,234 |
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Preferred stock dividend requirement |
| $ | — |
| $ | 906 |
| $ | 4,399 |
| $ | 4,399 |
| $ | 4,410 |
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Combined fixed charges and preferred stock dividend requirements |
| $ | 50,102 |
| $ | 56,545 |
| $ | 61,236 |
| $ | 61,257 |
| $ | 56,644 |
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Ratio of earnings to fixed charges |
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| 3.50 |
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| 1.12 |
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| 3.02 |
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| 2.41 |
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| 1.50 |
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Ratio of earnings to combined fixed charges and preferred stock dividend requirements |
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| 3.50 |
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| 1.10 |
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| 2.80 |
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| 2.23 |
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| 1.38 |
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