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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(In Thousands) | ||||||||||||||||||||
Years ended December 31 | 2009 | 2008 | 2007 | 2006 | 2005 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | (28,706 | ) | $ | (33,136 | ) | $ | 159,334 | $ | 125,492 | $ | 6,556 | ||||||||
Add: fixed charges | 42,494 | 40,994 | 44,046 | 50,102 | 55,639 | |||||||||||||||
Total earnings | $ | 13,788 | $ | 7,858 | $ | 203,380 | $ | 175,594 | $ | 62,195 | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest on policy holders’ accounts | $ | 41,652 | $ | 40,177 | $ | 43,089 | $ | 49,159 | $ | 54,727 | ||||||||||
Portion of rent representative of interest factor | 842 | 817 | 957 | 943 | 912 | |||||||||||||||
Total fixed charges | $ | 42,494 | $ | 40,994 | $ | 44,046 | $ | 50,102 | $ | 55,639 | ||||||||||
Preferred stock dividend requirement | — | — | — | — | 906 | |||||||||||||||
Combined fixed charges and preferred stock dividend requirements | $ | 42,494 | $ | 40,994 | $ | 44,046 | $ | 50,102 | $ | 56,545 | ||||||||||
Ratio of earnings to fixed charges | 0.32 | 0.19 | 4.62 | 3.50 | 1.12 | |||||||||||||||
Ratio of earnings to combined fixed charges and preferred stock dividend requirements | 0.32 | 0.19 | 4.62 | 3.50 | 1.10 | |||||||||||||||