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New words:
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accommodation, achieved, alleviate, AMT, April, arranger, Assignment, automatically, breadth, central, choice, commenced, convergence, converted, depth, disclose, doubt, driver, duly, earning, ending, execution, fact, IASB, initiative, intersegment, Joinder, leaseback, Los, lost, lowered, MergeCo, nonassessable, noncredit, nonrenew, outflow, par, reconciled, released, reorganization, replaced, requisite, runner, showed, spring, summer, surviving, swing, syndicate, syndicated, syndication, ticker, treated, UFC
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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(In Thousands) | |||||||||||||||
Years ended December 31 | 2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||
Earnings | |||||||||||||||
Consolidated income before income taxes(1) | $ | 26,293 | $ | 58,667 | $ | 121,451 | $ | 76,463 | $ | 101,902 | |||||
Add: fixed charges | 19,956 | 21,461 | 24,931 | 31,653 | 36,467 | ||||||||||
Total earnings | $ | 46,249 | $ | 80,128 | $ | 146,382 | $ | 108,116 | $ | 138,369 | |||||
Fixed charges | |||||||||||||||
Interest on policyholders’ accounts | $ | 18,525 | $ | 20,079 | $ | 23,680 | $ | 30,245 | $ | 35,163 | |||||
Portion of rent representative of interest factor | 1,431 | 1,382 | 1,251 | 1,408 | 1,304 | ||||||||||
Total fixed charges | $ | 19,956 | $ | 21,461 | $ | 24,931 | $ | 31,653 | $ | 36,467 | |||||
Ratio of earnings to fixed charges | 2.32 | 3.73 | 5.87 | 3.42 | 3.79 |
(1) Includes Income before income taxes from both continuing operations and discontinued operations.