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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(In Thousands) | |||||||||||||||
Years ended December 31 | 2015 | 2014 | 2013 | 2012 | 2011 | ||||||||||
Earnings | |||||||||||||||
Income (loss) before income taxes | $ | 121,451 | $ | 76,463 | $ | 101,902 | $ | 46,074 | $ | (12,715 | ) | ||||
Add: fixed charges | 24,931 | 31,653 | 36,467 | 42,612 | 43,868 | ||||||||||
Total earnings | $ | 146,382 | $ | 108,116 | $ | 138,369 | $ | 88,686 | $ | 31,153 | |||||
Fixed charges | |||||||||||||||
Interest on policyholders’ accounts | $ | 23,680 | $ | 30,245 | $ | 35,163 | $ | 41,409 | $ | 42,834 | |||||
Portion of rent representative of interest factor | 1,251 | 1,408 | 1,304 | 1,203 | 1,034 | ||||||||||
Total fixed charges | $ | 24,931 | $ | 31,653 | $ | 36,467 | $ | 42,612 | $ | 43,868 | |||||
Ratio of earnings to fixed charges | 5.87 | 3.42 | 3.79 | 2.08 | 0.71 |