Eagle Bancorp (EGBN) 10-K 2014 FY Annual report

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

	Years Ended December 31,
(dollars in thousands)	2014		2013		2012		2011		2010
Earnings:
Income before income taxes	$	86,216	$	75,325	$	56,172	$	38,289	$	25,755
Fixed charges, excluding preferred stock dividend requirement		13,095		12,504		14,414		20,077		19,832
Total earnings including fixed charges(a)	$	99,311	$	87,829	$	70,586	$	58,366	$	45,587
Fixed charges:
Interest on deposits	$	9,638	$	10,614	$	12,057	$	17,248	$	16,886
Interest on customer repurchase agreements and federal funds purchased		143		254		325		685		731
Interest on short-term borrowings		31		—		3		—		27
Interest on long-term borrowings deposits		3,283		1,636		2,029		2,144		2,188
Preferred stock dividend requirements (pre-tax)		976		907		901		2,356		2,009
Total fixed charges(b)	$	14,071	$	13,411	$	15,315	$	22,433	$	21,841
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)		7.06		6.55		4.61		2.60		2.09
Earnings, excluding interest on deposits:
Total earnings including fixed charges	$	99,311	$	87,829	$	70,586	$	58,366	$	45,587
Less interest on deposits		9,638		10,614		12,057		17,248		16,886
Total earnings excluding interest on deposits(c)	$	89,673	$	77,215	$	58,529	$	41,118	$	28,701
Fixed charges, excluding interest on deposits:
Total fixed charges	$	14,071	$	13,411	$	15,315	$	22,433	$	21,841
Less interest on deposits		9,638		10,614		12,057		17,248		16,886
Total fixed charges, excluding interest on deposits(d)	$	4,433	$	2,797	$	3,258	$	5,185	$	4,955
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits(c/d)		20.23		27.61		17.96		7.93		5.79

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT