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EXHIBIT 12. COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
(Dollars in Thousands) | ||||||||||||||||||||
Years ended December 31 | 2008 | 2007 | 2006 | 2005 | 2004 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | (31,829 | ) | $ | 159,334 | $ | 125,492 | $ | 6,556 | $ | 114,809 | |||||||||
Add: fixed charges | 44,994 | 44,046 | 50,102 | 55,639 | 56,837 | |||||||||||||||
Total earnings | $ | 9,165 | $ | 203,380 | $ | 175,594 | $ | 62,195 | $ | 171,646 | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest on policyholders’ accounts | $ | 40,177 | $ | 43,089 | $ | 49,159 | $ | 54,727 | $ | 56,386 | ||||||||||
Portion of rent representative of interest factor | 817 | 957 | 943 | 912 | 451 | |||||||||||||||
Total fixed charges | $ | 40,994 | $ | 44,046 | $ | 50,102 | $ | 55,639 | $ | 56,837 | ||||||||||
Preferred stock dividend requirement | $ | — | $ | — | $ | — | $ | 906 | $ | 4,399 | ||||||||||
Combined fixed charges and preferred stock dividend requirements | $ | 40,994 | $ | 44,046 | $ | 50,102 | $ | 56,545 | $ | 61,236 | ||||||||||
Ratio of earnings to fixed charges | 0.22 | 4.62 | 3.50 | 1.12 | 3.02 | |||||||||||||||
Ratio of earnings to combined fixed charges and preferred stock dividend requirements | 0.22 | 4.62 | 3.50 | 1.10 | 2.80 | |||||||||||||||