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8th grade Good
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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(Dollars in Thousands) | 2005 | 2004 | 2003 | 2002 | 2001 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | 6,556 | $ | 114,809 | $ | 79,898 | $ | 26,053 | $ | 28,630 | ||||||||||
Add: fixed charges | 55,639 | 56,837 | 56,858 | 52,234 | 48,649 | |||||||||||||||
Total earnings | $ | 62,195 | $ | 171,646 | $ | 136,756 | $ | 78,287 | $ | 77,279 | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest on policyholders’ accounts | $ | 54,727 | $ | 56,386 | $ | 56,459 | $ | 51,735 | $ | 48,213 | ||||||||||
Portion of rent representative of interest factor | 912 | 451 | 399 | 499 | 436 | |||||||||||||||
Total fixed charges | $ | 55,639 | $ | 56,837 | $ | 56,858 | $ | 52,234 | $ | 48,649 | ||||||||||
Preferred stock dividend requirement | $ | 906 | $ | 4,399 | $ | 4,399 | $ | 4,410 | $ | — | ||||||||||
Combined fixed charges and preferred stock dividend requirements | $ | 56,545 | $ | 61,236 | $ | 61,257 | $ | 56,644 | $ | 48,649 | ||||||||||
Ratio of earnings to fixed charges | 1.12 | 3.02 | 2.41 | 1.50 | 1.59 | |||||||||||||||
Ratio of earnings to combined fixed charges and preferred stock dividend requirements | 1.10 | 2.80 | 2.23 | 1.38 | 1.59 | |||||||||||||||