Eagle Bancorp (EGBN) 10-K 2013 FY Annual report

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

	Year Ended December 31,
(dollars in thousands)	2013		2012		2011		2010		2009
Earnings:
Income before income taxes	$	75,325	$	56,172	$	38,289	$	25,755	$	16,384
Fixed charges, excluding preferred stock dividend requirement		12,504		14,414		20,077		19,832		24,809
Total earnings including fixed charges(a)	$	87,829	$	70,586	$	58,366	$	45,587	$	41,193
Fixed charges:
Interest on deposits	$	10,614	$	12,057	$	17,248	$	16,886	$	20,956
Interest on customer repurchase agreements and federal funds purchased		254		325		685		731		957
Interest on short-term borrowings		—		3		—		27		611
Interest on long-term borrowings deposits		1,636		2,029		2,144		2,188		2,285
Preferred stock dividend requirements (pre-tax)		907		901		2,356		2,009		3,628
Total fixed charges(b)	$	13,411	$	15,315	$	22,433	$	21,841	$	28,437
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)		6.55		4.61		2.60		2.09		1.45
Earnings, excluding interest on deposits:
Total earnings including fixed charges	$	87,829	$	70,586	$	58,366	$	45,587	$	41,193
Less interest on deposits		10,614		12,057		17,248		16,886		20,956
Total earnings excluding interest on deposits(c)	$	77,215	$	58,529	$	41,118	$	28,701	$	20,237
Fixed charges, excluding interest on deposits:
Total fixed charges	$	13,411	$	15,315	$	22,433	$	21,841	$	28,437
Less interest on deposits		10,614		12,057		17,248		16,886		20,956
Total fixed charges, excluding interest on deposits(d)	$	2,797	$	3,258	$	5,185	$	4,955	$	7,481
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits(c/d)		27.61		17.96		7.93		5.79		2.71

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT